The Cordova daily times., 1920-01-21
HOW WAR RISK
 INSURANCE IS
 NOW PAYABLE

Continued from Page Five) services rendered and for appliances furnished"
 Provisions of the new law liberaliz- ing the insurance provisions of the original war risk act also were ex- plained by Mr. Sweet, who enumer- ated numerous benefits to the veter- ans that will result from his bill
 '"The original law. confined and re- stricted the beneficiaries to a very limited class" said MT. Sweet, but the new law increases this class and also extends the definition of the terms father and mother to include . persons who have stood in loco pa rentis (place of parents) to a mem Der of the military service for at least one year.
 There are many cases where the aunt or uncle or someone who has been in the position of parent to him prior to entering the war These per sons, under the original law, were not within the permitted class of benef- ciaries, and the intention of the sol \ dier was thus defeated, and the insur- ance would go to the father, if living, who has perhaps never paid any at tention to the boy. With the new pro- visions of the law if the soldier had designated his aunt who in reality has been a mother to him, she will in fact become his beneficiary, and re- ceive the insurance money These changes are made retroactive to the date of the passage of the original war risk insurance act.
 "Then, too, the new law permits converted insurance to be made as- signable; that is, beneficiary can make assignment of his interest to another person, provided that the lat ter is within the permitted class of beneficiaries.
 Another change in the insurance provisions provides that automatic in- surance is provided for the first l2O days after a persons admission to the military service. This automatic in- surance, amounting to the payment of ss5 month for twenty years, was un- der the original law granted only for . the first six months of the life of the original act. The extension under the new law will cost the government about S6,5O0,00O. Incidentally the ex- tension grants the insurance to all of the officers and crew of the naval col Her Cyclops, which disappeared at sea in 1918 when bringing a cargo of war ore from South America.
 For the unfortunate ex-service men confined in asylums, the new law gives the immediate benefits of the insurance without awaiting the ap- poir' 1ent of guardians. Money pay able to such persons will be placed in :. the treasury to their credits, and may be disbursed to the chief executive of hcer of the asylum for the mainte- nance and comfort of the inmate.
 Another change in the insurance provisions is that authorizing the in- surance to be paid to the ex-service fman's estate where no one of the per mitted class of benefciaries survives the insured.
 "To dispose of the so-called induct- ed man problem, provision is made that if, after induction by the local draft board, but before accepted and enrolled at camp for active service, the person dies or has become dis abled by injury-such as by a train wreck en route to camp-or by dis ease not due to willful misconduct that he shall receive compensation, as increased by the new law, and further, if application was made for insurance, that it shall be deemed valid.'