ZajednicÌŒar = Fraternalist. [volume] (Allegheny, Pa.) 1894-current, 1955-11-16
The Junior Order

Section 282 The Croatian FraternaI Union
maintains and operates Junior Department for
the issuance of benefit certificates to children from
birth to 16 years of age.
Section 2SS. The object of the Junior Order
Is to provide protection for the children Of Gro
atians other Slavs and their descendants and to
instruct and prepare them for eventual membership
in the Senior Department. 1t shall also provide for
the payment of such benefits as are authorized by
the Bylaws of the Croatian Fraternal Union and
allowed by the Statutes of the Commonwealth of
Pennsylvania, and in conformity with the laws Of
the State and the Province of Canada in which
the member is domiCled
Section 284. The Junior Order shall attain
Its objectives in the following manner:
a. Through the organizing of nests by the lodges;
b. BY encouraging the nests to hold monthly
meetings for the collection of dues, and to in
cite activity in the national cultural field.
g BY issuing the Junior Magazine.
Funds
Section 2s5. The Funds of the Junior Order
consist Of
a. Mortuary Fund-for the payment of death or
endowment benefits, lny other benefits
authorized by the Bylaws of the Union;
b. Expense Fund-for the payment of admins
tratiye expenses.
The Mortuary Fund
Section 2s6 The Mcrtuary Fund, out of
which death benefits are paid, consists of pay
ments made by Junior Members for this purpose,
plus the accretions from the invested assets
Required Reserves shall be set aside, based
on the annual valuation prepared by the actuary
as Of the preceding December.
A Contingency Reserve which must not be
less than SO of the Required Reserve, shall be
maintained to insure against abnormal mortality
or other unforeseen emergencies.
The Surplus consists Of savings in mortality
gains from interest earnings in of the
quired rate and accumulations from lapses nd
Withdrawals of members for whom provision had
been made in the Required Reserve All declared
dividends or other forms of returns permitted
by law shall be paid from the Surplus.
The Expense Fund
Section 287. The Expense Fund consists of
Initiation Fees of Term members; 800 of the
regular monthly Term rate; first year payments
of permanent type certificates; 80 cents monthly
charge on permanent certificates; the additional
renewal expense allowance CSC certificates plus
the accretions from the invested assets.
Section 233. For the purpose of deflaying
the cost of Junior sports and cultural activities,
the Supreme Board has the right to make trans
fers of appropriate from the Junior Ex-
pense Fund to the Sports and Educational Fund
of the Croatan Fraternal Union.
Section 289. All receipts and disbursements
OF the Junior Order shall be kept separate books
of the Union.
All payments Of the Junior Order shall be
made by the Director. Checks shall be signed by
the Supreme President, Supreme Treasurer and
the Junior Director
Membership
Section 200. Application for membership in
the Junior Order shall be made on forms furnished
by the Union and shall be signed and submitted
to the Nest Manager by the parent, guardian or
any other person who will be responsible for the
payment of dues.
Section 29l Applicants for membership are
accepted without medical examination, except in
cases where the Supreme Medical Director re-
quests it, or when the applican. seeks permanent
type coverage in excess of $5,00000
Certificates
Section 2s2 The Junior Order issues GER
tficates to $4,000 90 based on the ESQ table Of
mortality at go, and subject to the laws of the
States and Provinces of Canada in which the men,
bers reside:
az Term to age 18;
b. 20 Pay-Endowment at Age S5
e. 20 Year Endowment;
d. Educational Endowment at Age 18
Payor Benefits issued on all but Term contracts)
In addition to the plans of insurance provided
herein, the Supreme Board of the Union may issue
such additional plans and certificates as deemed
necessary.
Section 29s. Any member of the Junior Or
der may possess Term certificate and one or
more of the permanent type certificates, but the
total amount of insurance payable under all such
certificates shall not exceed the limits set forth
by the laws of the State and all Provinces in Can
ada in which tie member resides.
Section @4 a All * Term t appea1s M sst shall hail. pay ~
that month. For the succeeding months the
insured on other plans must pay dues for the
month in which admitted without any Initiation
Section 295 Beginning with the second
month Of Term membership, the Nest must retain
five cents from the dues payments of each member
for it's expenses If it go desires, it may also
make expense charge against permanent type
Section 1885, All money belonging to the Jun
ior Order of the Union shall be sent regularly each
month to the Supreme Treasurer by the Lodge
Treasurer or Nest Manager; Al checks for dis
the Nest Manager
Transfer to Adult Membership
Section 297. Members insured the Term
to Age 18 Plan shall be entitled to Special Trans
fer Dividend transfer to the Adult Department
of the Croatian Fraternal Union. The Special
Transfer Dividend shall be paid out Of surplus earn
ings accumulated in the mortuary other Funds
of the Junior Order and shall be so cents for each
full year of premium payment.
The Special Transfer Dividend shall be in addi-
ton to any other dividends declared under this plan
and may be applied only towards the payment of
premiums for plan of insurance then being issued
in the Adult Department in the prescribed
by the Supreme Board.
Section 29S When member of the Junior
Order, insured on Term has attained age Is, he
must within go days, transfer to the Senior De-
partment Should such member fail to transfer
within so days, he shall be expelled from the Jun
ior Order his certificate forfeited and he shall not
be entitled to any credits.
Every member of the Junior Order has the
right to transfer to the Senior Department upon
reaching his 18th birthday.
The member must pay dues to the nest until
the month in which he joins the lodge. -
Section 299. Those members insured on plans
other than Term, shall upon attaining compulsory
transfer age, be automatically transferred to the
Senior Department and shall payment of