ZajednicÌŒar = Fraternalist. [volume] (Allegheny, Pa.) 1894-current, 1957-02-13
Society's Income Defender Certificate
Adds Up To Protection Of First Water
No Organization Can Offer Better Deal
To Wage Farmers In America And Canada
JoIr Ox,oo


To Wage Farmers In America And Canada
By John Ovcarch Secretary Sick Benefit Dept.
The Sick Benefit Department of the Croatan Frater-
nal Union issuing entirely form of protection
known the Income Defender Certificate to eligible
present and prospective members.
Adopted via Referendum Vote during the months of
October and November 1858 and made effective of
January 1854 this modern protection far reaching
in it's scope of coverage that herewith explain it's main
features in detail for the edcation of Lodge Officers
Campaign Workers, and Members
To begin with, the plan provides benefits for loss
the result of accidental bodily injuries and Tor
loss of time caused by Illness
In other words, person must be wage Garner (mae
or femae) if such person insured and collect benefits
under plan the result of loss of time caused by an
accident or illness.
ANY loss of time which is sustained result of an
accidental bodily injury benefits for such loss shall be
payable from the day Any loss of time which is
sustained result of Illness benefits for such loss
shall be payable only the certificate has been in force
at least 30 days after the date of issue
To further explain this provision, member cannot
claim any benefits of time the result of an
illness during the first 80 days the certificate in force
This insurance covers injury if caused by of
the hazards Of aviation but only while the insured is riding
fare paying passenger in licensed passenger plane
provided by incorporated carrier of passengers
and operated by licensed transport pilot between definitely
established arports.
If member becomes totally disabled the result of
an accident he shall be entitled to benefits beginning with
the first by licensed physician surgeon Such
benefits shall to $4,000 per month and shall not
exceed months for any injury month shall mean
period of 80 days If member becomes injured but IS not
disabled benefits will be paid for the expense actually in
Cured to 90 if such injury requires treatment within
"a by licensed physician, surgeon, osteopath or
chopracto and providing other benefits are received
by the member for such injury.
If a member becomes totally disabled as the result OF
Illness he entitled to benefits on the eth day after
the first treatment by licensed physician or surgeon e
days shall be required before any benefits pad) Such
benefits shall $4,000 per month and shall not
exceed months for any illness.
A member who is required to be confined in ac-
credited hospital for at least "a hours the result of
injury Illness shall be paid at double the regular month
ly benefit commencing with the first day of confinement
but such benefits shall not exceed period of 80 days
the result of any injury or illness.
For further Qualification, this simply means that if
you 20 to a Hospital and must remain in the Hospital
than "a hours the benefits will be doubled for each
day you in the Hospital for period not to exceed
80 days.
For example, if a member in the hospital for 60
days. entitled $4,000 for the first 80 days
$4,000 the 80 days, total of $30OO0 If
married female suffers from illness the result of child
birth after 2S weeks of pregnancy and such childbirth
after the certificate has been in force than 10
months, payment of $4,000 will be made.
Such payment shall be made on the basis of $35 100
to the insured member and $500 credit tO~te child
when it becomes enrolled in the Junior Order any
permanent plan of insurance. Such benefit shall apply
for each child in the of multiple births.
IT, following period Of total disability, the member
his regular occupation and performs all important
duties for six months any subsequent disability
from the shall be considered disability
but the member his regular occupation and the
period less than months any subsequent disability shall
be regarded continuation of the preceding disability
This new plan will not cover any loss whatsoever for
the following: (a) while in military naval service. (b)
contracted outside the continental limits of the u S.
Canada. (c) resulting from Intentionally selfnficted
juies. I'D caused by mental arrangement e) resulting
from venerea disease G for complications from any injury
illness which existed prior to membership unless refer
made to same. (g) from alcoholism results
thereof (h) for any illness complications due preg
nancy childbirth miscarriage, except provided for
above under childbirth
Hernia of any type, sprained or lame back lex
cepng fracture) bacterial other Infection, and dis
ability resulting from injury shall
be classified as illness.
During the first ~ months from date of issue, ben
es shall be payable for disability arising from the follow
OFFICIAL NOTICE