The Bridgeport times and evening farmer., 1919-11-25

for the payment of compensation to as a separate and distinct feature. The holder of one of these policies is entitled to the payment benefit according to the terms of the Act and is also entitled to compensation for disability. The act which created the Bureau of War Risk Insurance is one of the most comprehensive< pieces of legis- 1ation ever passed, and affects mill lions of our citizens. Wherever one goes he will find that War Risk mat ters constitute one of the favorite top icS of conversation among men who have been in the service.
 One of the sections of the Act be- ing widely discussed at present is that which relates to compensation. This section (Article 1ID provides compensation to those disabled in the service and to the families of those disabled and deceased in the service, a2d 1t is naturally of great interest to those who have been disabled.
 An Act which is as comprehensive as this naturally requires a great deal of interpretation, and gives rise to a great adeal of natural curiosity as to it's effect. The purpose of this state ment is to attempt to answer some of the more persistent and prevalent in duI4SS LIldL Have I4o04A SOiASC1A AAA1iS the Act and it's effect.
 The first question is one which real 1y dos not effect compensation but nevertheless is one of such vital in terest to the disabled men, and one continually arising The man asks: "Can I draw a percentage of my in surance equal to the percentage of my disability" The answer to this question is 'tNo.'
 The Government by the insurance feature of the Act provided for a very cheap kind of insurance for the men in the service, at a time when the men could not have procured in surance, and shared with the men the expenses of such insurance. In odl- CT words, the Government paid for the cost of administering such tnsur- ance and for the added war risk, while premiums were calculated with out reference to the usual conditions under which the insurance was is sued. Congress realized at the time, however, that many men would De disabled. It was realized that the ex- pense of compensation for such dis ability should be borne by the Gov ernment, and should not be placed upon the individual man in the ser vice; so 1t separated what might be called the accident insurance from the life insurance, and placed 1t in Article III as compensation. How ever, total and permanent disa ability arising from any cause, is also a fea- ture of the Government insurance policies, @
 All of the men who held War Risk Insurance policies and who are-en- titled to payments of insurance for total and permanent disability will receive 'coInpensation "in addition te their insurance money, after dis charge from the. service. They would have received Compensation auto mahcally and regardless of whether they carried any War Risk Insurance but they would not have received the insurance money if they had not car ried insurance policies.
 When one carries 8 War Risk In surance Policy and becomes totally and permanently disabled through sickness or injury, he becomes eligi ble to receive monthly payments O. insurance from the date of his dis ability, and long as he lives. He doe not have to pay any more premiums Every former service man or servic' woman who keeps his or her govern ment insurance will have this protec fion against possible total permanen disability, which may occur to an. one at any time from variety o causes.
 When a member of the military o naval forces bought War Risk Insur ance, he purchased straight life in surance with the added proviso, with out increase in premiums, that tn insurance would mature and becom payable to the insured himself in tn event that he becomes totally 0 permanently disabled. Few peopl appear to realize that insurance is en tirely separate from "compensation, the latter being provided irrespecttv of whether or not a man purchase insurance.
 Another question which is com mon1y asked, especially by men wh have not yet been discharged is 'sWhat will be my rate of compensa tion?" This Is a question which car not be answered offhand. It is question which cannot be answered any published schedule of ratings has been found that practically ever case, Is an individual case, which rt auires individual attention and ths any fixed schedule must be use merely as g. guide.
 The schedule, of ratings being use has been revised ever since 1t WE drawn up, and at the present time
 besins continually improved and CT 1arged upon. It Is impossible for or soldier who apparently has the san disability as another to say that b' cause the second one has receive a rating of 50 per cent, he will T. ceive the same rating. This is becau! no two injuries are exactly simils any more than the finger prints different men are similar. To ba. rating upon hard and fast rule a great many cases would work il justice which could not have bee foreseen at the time of adoption
 the rating.
 The provision that men who ha' lost both eyes, both arms, or bot legs, Or who are permanently ar helplessly bed ridden shall recei' $10o a month created such defni fixed schedule, and the natural rest followed. A man made applicatit who had lost an arm and leg on Il game side, and who was really wor off than the man who had lost bo
 legs, and yet the Bureau was unab to- grant to that man anything mo than a permanent total rating whi
 carried with it only $50 per mont The Bureau is deciding each ca