The Brattleboro daily reformer. (Brattleboro, Vt.) 1913-1955, 1919-07-16

In substance the recommendations are:
That the benefciaries of insurance
should include uncles, aunts, nephews,
nieces and persons who have stood in
loco PARENTS to members of the mill
tary forces. This would allow the bu-
reau to pay the claims of those men
who died in service and who had named
as beneficiaries aunts and uncles who
had brought them up since childhood.
That persons who were drafted and
who died or became disabled in the line
of duty before having been accepted
into active military service at the
camps shall be entitled to compensation
under the war risk insurance act The
act ~ il stands covers only man after
he has been accepted into active mill
tary service by the medical officer at
the camp or other place of mobilization.
IT provides also that should such a
draftee die or become disabled before
acceptance by the camp officer it shall
be deemed that to him was granted in
surance of $25 . month. payable. how
ever. only to his widow, children.
mother or father.
That any person, who after he had
been accepted by the medical officer at
the camp and if he had not refused to
take insurance, shall be covered for in
Surance paying $50 month without
charge should he die within 100 DAYS
after such acceptance This provision
is suggested in order to cover the men
who were stricken down by influenza
in the fall of 1918 and who had not
had any opportunity to apply for insur-
ance
In order that the insurance to be is
sued after the war may be properly adj
ministered, the bureau has asked au-
thoritv to invest the premiums and set
up reserve funds, investment to be
made IN interest bearing obligations of
the United States. The bureau asks the
right to frame the policy forms so that
If the insured desires to have his con-
verified insurance paid in one sum he
may so select and if he wishes his
bcneliciaries to receive the installments
in say, for three years rather than for
twenty he may also so select.
1T asks also the privilege to draft the
converted policies so that man may
designate his beneficiary, who will re-
celvc all the payments. Thus, if a
man wants his wife as beneficiary and
does not want the installment payments
after her death 10 90 to, say, sister
or a brother. the policy will provide
that installments will be paid to the
wife and on her death the remaining
installments to her estate.
T, During the war if a soldier took out
an insurance policy and was killed and
did not leave any beneficiary who could
take the insurance money the policy re-
verified to the government As condi-
tions have entirely changed. due TO the
cessation of active warfare. the bureau
asks that this forfeiture be eliminated
from the act so that in no case will the
government forfeit am insurance claim
The bin introduced by Representative
Rayburn (Tex.) and those of other
members widening the provisions foI
payment to disabled soldiers are in
dorsed by the bureau. BY these bills q
man totally permanently disabled will
receive 500 instead of $50, as at pres.
ent, and man with one leg off will re-
ceive . percentage of 500 rather thar
a percentage of $50. The amounts paw
| able if he Is temporarily totally dis
abled are considerably increased b1
these bills, and are deemed to fit NOR,
nearly present dav conditions. taking
into account the high cost of living.
Director Cholmelev Jones is suggest
| ing for the consideration of congress
the advisability of permitting term in
surance 10 be paid in the future in in
stallments for thirtysix months or NOR
rather than installments for twent,
years. In other words. if a man keep
up his term insurance and dies, the di
/ rector wants his beneficiares to hav
the privilege of receiving his insuranc
moneys on the same basis as the ney
converted policies, instalments owe
say three years at the option of the il
sured rather than arbitrarily spreadin
IT over twenty years. No payments i
lump sums for term insurance are sug
gested, however.