The Waterbury Democrat., 1935-05-24
la Club Attacks
Insurance Report
FmerCencv Relief Commission Statement Declared
Outrageous Improper Adjustment Level
Endangers Families Welfare

Declaring that the report sub
mitted to their investigation COM
xnittee ON the present FERA insur-
ance nlan was a contradiction or
statements, the Irish : American
Club bitterly attacked the report
Of the state adjusters at meeting
held last night. An individual re-
eardless of circumstances Is re-
duced to the class of pauper De-
fore he may be entitled TO emer-
xency relief and then placed In
position where it is hard to make
his way in the future. The insur-
ance adjusters according to the
written report allow each person
TO carry a $500 policy and in some
cases Of disability the person may
have the maximum amount OF
$1,000. Investigation of latter cases
is made, however. +.
The committee on the lnVesu-
cation was headed by John II. ROD
inson who had the assistance OF
William Lawlor and Bart Stack.
They were accorded a vote OF ap
preciation for securing the 1acts
in a written form and when wese
later placed on file in the recoros
of the organization.
Little Distinction
The present system, 1t was lnui-
Gated, gives just as much pref ,..sia
900 70 the man who shows little
concern for the welfare OF ms
family in the event of death' as ~
4be man who has much CONSIDER
alton as to the welfare OF a famiH
and wished to be assured that thes
Mill be fed and clothed and prop
erly cared for. go ~,
The submitted report signed oy
state adjusters states that In many
eases there Is generosity eXtenueu
AZ cases of sickness and where tne
nartv concerned Is allowed TO carry
insurance amounting to $l'oVu'
f.aaes of this nature however are
subject to a rigid examination.
n was indicated that should any
opa on relief meet with an I'M
fortunate death his or her FANNY
would have to pay half the amount
received on insurance for q ceme-
terry plot and the remainder TO ps
,Ised for burial below the stanuaru
Of decency. No consideration coulo
possibly be given hospitals, DOCTORS
druggists. the landlord, butcher'
baker or other persons. The famliy
az the deceased would be LETT PEN
niless and paupers through the
fault of improper insurance ADJUST
ment..
The scale of protection allotted
under the FERA is $500 on the
husband or earning member of the
family, $3.50 on the wife or mother,
and sos a week on each child. me
last item can be increased to S.lo
weekly where the child insured has
attained AN age in excess of 10 at
the date the policy has been is
sued. In all other cases $1,000 is
the maximum amount of protection
that can be carried.
Cites Cases
Cases are known where the indi-
vidual with an endowment policy
was forced to surrender the same
in preference to straight life pro-
lection at a lower premium and
thus lost the difference on the
paid-in amounts and that received
as a result or the transfer. Inc
endowment policy is looked upon
as q savings account and for this
reason cannot be held by relief
worker. The commission was APP
pointed at the selection of the lar
ger companies who they are
handicapped by methods used by
the adjusters of their own choice.
The local administration can
make proper adjustments accord
ing to the number of persons in
the family. sickness and according
to the health of each member.
These adjustments seldom if ever
exceed the maximum amount and
regardless of the need the protec-
ton barely allows for most immed-
late expenses.