The Western news. [volume] (Libby, Mont.) 1933-current, 1947-04-03
The Vets MoiI Bog
G. /. Insurance

u, 1. insurance
There are three worries that
plague every man.
One is the fear that he will not
live long enough to see that his
family is cared for. Ordinary life
insurance is recognized as the an
swer to this worry. Another fear
is that he will live too long" and
not have enough to live on. An
endowment policy can provide for
old age.
The third and perhaps the most
frightening fear is that he might
become disabled so that he can no
longer work.
The government has also pro-
vided for that last contingency in
two. ways in National Service Life
Insurance. The first is a part OF
every policy without extra charge
TO the veteran, known as the pre-
MUM waiver clause. 1t provides
that if you become totally disabled
continuously for a six months per
iod or longer, future premiums will
be paid by the Government No
lien will be made against the policy
because of premiums waived. In
addition, any premium payments
made after the established date Of
disability are refunded.
It is important to remember that
total disability as applicable to this
clause, is not necessarily the same
as that for pension and compenga-
ton purposes. For insurance pur-
poses, total disability is defined as
any impairmentof the mind or body
which continuously renders it i'm
possible for the insured to follow
anv substantially gainful occupa-
ton.
Another clause, known as insur-
ance disability income, may be add
ed to your policy for a small extra
premium. A physical examination is
required to establish evidence of
good health. This rider provides
that should you become totally and
continuously disabled for a period
of six months or more, in income of
So per month per $1,000 of insur-
ance will be paid beginning with
the first day of the seventh month
end continuing as long as the dis
ability exists. Both disability fea-
lures are effective until your 60th
birthday but if disability begins be-
tore reaching your Goth birthday,
the Government will not discontinue
the benefits for that reason
Any veteran who has established
a war-incurred or war aggravated
disability (other than total in de-
gree) has the same privilege of
buying the disability insurance or
reinStating or buying new insurance
from now until January l,sl950, as
a veteran in perfect health.
Your VA contact office located
Room 3, Whips Block, Main and
Srd Kalispel can give you more de-
tailed information about your Ma
tional Service Life Insurance.
Question Of the Week
Q-I was wounded in action in
World War and have a service
disability, rated 20 per
cent. ! am now totally disabled be-
cause of a non-service connected
Can the Veterans Ad-
change my rating to
connected total dis
ability?
"A World War / veteran re-
ceiving compensation for partial
due to disease or injury
in service who is rated per-
and totally disabled for
pension purposes, is awarded the
larger monetary benefit, if his claim
IS otherwise appropriate (Annual
income must not exceed $1,000 if
single $500 if married or with
ninor>children) If the service-con-
1ected disability subsequently BE-
comes even more disabling and rep
'esents an additional benefit, the
payments can be made on that basis. /
Assistance to the Blind
Descriptions. VA furnishes seeing
Eye or guide dogs and pays vet
rams necessary travel expenses in
,urred in adjusting to their use.
Helpful mechanical devices (braille
etc. and electronic
equipment are provided.
Requirements: Service connected
blindness.