Gilpin observer., 1919-10-16
.EX-SERv|CE COLUMN
Initial Statement of Plan.

lnltlal statement OF FlAn.
In order to help ex-service men
straighten out some of the difficult
ties of Government Insurance,
Compensation, Vocational Train
ing, Allotments, Allowances, Bon
uses, Extra Travel Pay, and other
difficulties that confront the men
getting back into civil life, the
Observer has established an Ex-
Service Column in which will be
answered on Thursdays of each
week any questions that former
fighters wish to ask.
/. l am discharged army nurse,
insured for $1O,O00.O0. Have been
disabled for several weeks, and
applied for compensation about
Sept. 5th. Up to date l have re-
ceived notice from the War Risk
Bureau that my claim would be
looked into. They also state that
if my claim for compensation is
granted my insurance would be
paid. Is there any way to hurry
claims, as illness and high cost
of living soon erase the figures
off of the bank book? How. should
disabled ex-service people be car
ed for while awaiting claims to
be paid? B. H. S.
Answer-Owing to the immense
press of business, it takes consid-
cradle time for insurance and
compensation claims to be passed
on by the Bureau. 1t is almost too
early to expect a decision as yet.
1t is true that your insurance in
stallments will be paid you pro-
viding your disability is adjudged
to be total and permanent. Other
wise you will not receive insur-
ance payments, but must keep up
your premiums even though you
receive compensation for tempor-
ary disability. If you are in need
of assistance, you should go to
see the secretary of the Home Ser
vice section, and if your claim is
not adjusted within the next few
weeks, they will trace the matter
up for you.
2. am carrying $5,OO0.0O War
insurance. Expect to convert it
sometime during the winter. Do
l get credit on my converted pol
icy for the premiums now being
paid on my War insurance? l am
twenty-nine years old. What will
be the rate on my converted in
surance in straight life policy,
and does this rate change from
year to year, like my War insur-
ance rates. R. M. d.
Answer-Credit will be given
on your converted policy for
premiums now being paid upon
your War Risk policy, for the rea-
son that the War policy rates are
as low as possible, and were de-
signed to cover only protection
without any of the other usual
features of insurance policies.
The rate on your straight life pol
icy, which is known as ordinary
life," at the age of twenty-nine
years, is SLAB per month for each
thousand carried, or $7.15 per
month for the five thousand. This
is what is known as "level prem
ium," that is, after conversion to
any one of the six peace time
forms, the rate remains the same
from year to year, so long as the
premiums are due.
8. l carry a policy of $S,000.00
term insurance, in favor of my
mother and young sister. My wife
with whom l have not lived for
years, is threatening to have this
insurance changed to herself as
beneficiary. My mother and sis
ter are not dependent upon me for
support, but neither is my wife.
Is it possible for her to have this
change made against my wishes?
d. NJ. B.
Answer-No one can change the
beneficiaries under your insur-
ance policy but yourself. 1t is
not necessary that relative be
dependent upon a man, in order
to be made a beneficiary. Your
wife therefore, can do rothing in
the matter.
a. l am suffering considerable
from rheumatism, and was dis
charged from the army on this ac-
count in October, 1918. / had