Burlington weekly free press. [volume] (Burlington, Vt.) 1866-1928, 1919-09-18
WAR RISK INSURANCE
An Explanation Of Recent Changes in
Rules Regarding Reimbursement

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The home service section has had many
requests for information as to the REIN
statement Of the government war risk
term insurance. and is in receipt OF the
following information:
| recent change in the rules governing
reinstatement of insurance now permits
| man to reinstate any time within B
months after discharge without medical
examination, by merely stating that he
is in as good health as at the time OF
discharge or the expiration of his days
OF grace. whichever is the later, and by
! the payment of only the premium due
for the days of grace and one months
premium, on the reinstated or converted
insurance The man need pay no pre-
miums for the months between the end
of the month of grace and the beginning
OF the month when his insurance is REIN
stated. Thus. for example If a man drop
ped $4,000 of insurance in January, 1919,
and applies for reinstatement the first
of September for 5000 all he will have
to pay will be the premium for January
Ohe month of grace) on 5000 and the
premium for September on $1,000 Or, If
he applies for n reinstatement of the full
$4,000, he will pay total of two months
premiums on $4,000, one for January
and one for September. He will not have
to pay premiums in either case for the
intervening months. The decision stip-
ulates that the former service man APP
plying for reinstatement be In as good
health as at date of discharge.
Director r. G. Chimeley-Jo Jones. Of the
bureau of war risk insurance, following
the signing Of the decision made the
following statement:
The present decision is one of the most
important to former service men that
has been made in the history of the bu-
reau. Many service men have been de-
tered from availing themselves of the
former and less liberal reinstatement priv
ileges by reason of the relatively largo
amount of money represented by accu-
mulated overdue premiums and because
It would seem that they were paying
for something that they never actually
had. which. in fact, was the case.
Under the new decision a man Is re-
lieved of the burden of overdue pre-
minis. He has an opportunity to re-
habilitate himself financially after get
ting out of the army, navy or marine
corps and to reinstate his insurance at
any time within 10 months following dis
charge without the burden of paying a
large amount of money.
THE reason payment for the month of
grace is required under the new decision
is that the insured was protected by rea-
son of his insurance continuing in force
during that month. and that had he died
during the period of grace his policy
would have been paid.
| "Of course, every man who has dropped
his insurance should reinstate 1t imple-
diately for the reason that if he should
die before reinstatement his dependents
will not receive any payment.
Therefore, I urge that care be taken
to make clear to every former service
man who has dropped his insurance that
| the new ruling does not automatically
| reinstate him. and to impress upon him
| that he will be without insurance until
he voluntarily applies for and secures re-
instatement. He should Immediately ap-
| ply for reinstatement for his own protec-
! ton and that of his dependents.
Don't forget that men die or become
disabled in peace time as we'll as in war
| time, and that if a man waits he may not
be in as good health as he was at the
time Of his discharge and consequently
may not be able to secure reinstatement.
| Don't put off reinstatement. DO 1t
now"
full amount of war risk Insurance he
carried while in the service. he may re-
instate part of il from $1,000 up TO $40. OOC
in multiples of $500 Reductions may be
made in multiples of $500 to any amount
but not less than $1,000. Premiums are
| due on the first Of the month, although
payments may be made any time during
! the calendar month.
Premiums should he paid by check
draft, or money order payable TO the
| Treasurer of the United States, and sent
to the Premium Receipt Section. Bureau
of War Risk Insurance, Washington, d.
&c.
Further information may be obtained
| at the home service office.
The Office of the Red Cross home SER
vice will be moved within the next few
days to the Howard Relief building. cor
ner Clark and Pearl streets. This branch
of the Ped Cross will continue as hereto
fore. During the month of August SER
vice was rendered to 2i6 ex-sorvice men