The citizen., 1920-04-29
cluded In the paid up and extended
feature Of the policy contract.
Total Disability.

cluded In the paid up and extended
feature Of the policy contract.
Total Disability.
The treasury department points out
that total permanent disability, as re-
ferred TO In the permanent policy con
trnct, Is any impairment Of mind or
body which continuously renders II i'm
possible for the disabled person to fol.
low any substantial gainful occupa-
tion and which is founded upon con-
ditions which render II reasonably GER
tain that II will continue throughout
the life Of the person suffering from
IT," The total permanent disability
exceeding six months prior to the re-
ceipt Of due proof Of disability.
The government. In the contract
which II Is TO make with the service
, men, agrees that the irrecoverable loss
o. the sight Of both eyes or the loss
Of both hands, or the loss OF both feet,
OF the loss Of one hand and one foot
IL 10 be considered as total permanent
disability within the meaning Of the
contract. and monthly installments for
any Of these specifically enumerated
causes Of total permanent disability
are TO accrue from the date Of the to
tai permanent disability. and any pre-
miums become due after the develop
ment Of the disability, II paid. are to
be refunded without interest. n the
policy Is an endowment policy and one
or more monthly installments have
been paid on account OF total perma-
nent disability the insured may at the
end Of the endowment period surreD-
der his policy for the commuted value
OF the lnstallments less any Indebted
ness The government, through the
treasury department. has agreed that
all these service men policies shall be
Incontestable from the date they take
effect. except for non-payment Of pre-
miums. and every policy Is TO be Is
sued free OF restrictions as to travel.
residence, occupation or military or
naval service. except that the discharge
or dismissal OF the person insured
from the military or naval forces of
the United States on the ground that
he is an alien enemy, conscientious
obJector or deserter shall terminate
mis- Insurance.
VIII Retire Civil Service Workers.
II seems reasonably cetrain that
before this session OF congress
comes to an end provision will
be made for the retirement on account
of age Of employees In the civil serv-
ice. The subject has been discussed at
every session for the last quarter of
century. Believing that the time to
day passed bill which fixes the age
Of retirement at seventy and makes
reasonable provision for employees to
go out Of public service at that age.
The bill as II was brought before the
senate with a favorable committee re-
port fixed the retirement age at sixty
five. but the friends OF the measure.
when they saw IL could not be passed
unless the age limit should be raised.
agreed TO seventy years.
The house of Representatives is ap-
parently favorably disposed toward
the legislation and the leaders In that
body have promised TO include the bill
In the list that is TO be disposed Of be-
fore this session Is brought to an end.
II Is estimated that the total cost of
the legislation for the first year with
the retirement age fixed at seventy
will be S2.051.3S7. While such legisla-
tion will affect civil service employees
who have reached the retirement age
limit. no matter where they may be
employed. the departments here will
be affected TO the greatest extent. A
great many men and women seventy
years of age and older are employed
In the departments. Some Of them who
otherwise would have retired voluntar-
lily have been holding on with the
hope and expectation that congress
would pass a retirement bill.
Features Of the Bill.
The leading features of the bill
which the senate has passed may be
enumerated as follows:
III uueclS ult Clhsslutu ClNl SeTNice
employees.
II automatically retires ut the age
of seventy all employees affected by
the act who have served the govern
ment for 10 years.
II provides for the retirement of en-
ployees who. before reaching the age
of seventy and after having served Is
years. became totally disabled Cor use
full and efficient service through dis
ease or injury.
Becomes effective 80 days after ap-
proyal by the president.
The amount Of annuity is deter
mined by length of service and is
based upon the average pay for the
last ten years Of employees service.
Glass A includes employees Of thirty
or more years service and provides an
annuity Of GO per cent of their average
annual pay for previous ten years;
$720 is fixed as the maximum and $500
the minimum.
Glass B.-Alakes period of service
q to 80 years; annuity, 81 per cent;
maximum. seas; minimum, 1924.
Glass C.-Makes period of service
o1 10 OF veors. annuifv lQ NOR cant