ZajednicÌŒar = Fraternalist. [volume] (Allegheny, Pa.) 1894-current, 1957-11-20
Minutes OF Se,i-A, A,1,,ua Sessions Of Supreme Board

plcation well established by the family application for
hospital benefits 1t is the type application and the
principles employed.
When medical examination is required it is custo-
mary to require the medical only the husband. That
would apply when he is age 49, if the nonmedcal
brought out information to indicate medical examination
should be given medical examination would be required
the husband if he applied for units but not by the
wife, unless she 40 years of age in such
dition that YOU would want a medical examination.
Newborn children after the issue date of the contract
added to the coverage without change the pre-
mium and this is the usual clause that goes in:
"Any child born to the husband and wife after the
issue date, will become insured for of the hus-
bands he gives notice to the Union OF the
name and birth date Of the child and gives evidence
that it has attained one month, which is the et-
fecve date of the insurance If such notice not given
due to unntentional oversight the Insurance. never
theess, will take effect as of such age.
a. Children born with defects, covered automat-
caly after age month.
b. If the father would forget to send in the name OF
the child, the coverage is still in force =,
Some of the large eastern companies have taken the
positionwh the consent of insurance departments es-
pecialy New Yorkthat it not necessary to name the
children in the contract is their view that the admins
tratng expensive than the mortality cost to
pay the death claim Mortality children has been phe
nomena that is almost negligible The feeling then is
that the children the better Crious the experience
has been this contract has been good seller among
newy-weds with children that you will find this con-
tract being issued where there children just as much
where there many
There will be lot of circumstances and situations
where the normal family relationship of
exist for example, the of widow In that
case the widow is nsurabe she become covered for
the entire amount of insurance that would normally go
the husband the wife, and she pays the premium
as it were issued husband at that age That MEANS
her $4,000 Endowment at S5 and $1,000 Term
to her age IS.
sideraton is where of the family members IS not IN
surable either the husband the wife the husband is
same manner as to widow If the wife unnsurable the
husband would receive the normal insurance to which he
would be entitled otherwise plus the 81 900 Term insurance
which would normally 60 to the wife.
In the of divorce that has taken place prior to
the date the contract would be issued to whichever
member applied and had control the children The d
vorced parent part of the family would be excluded
In of divorce after the Family Plan has been is
sued the circumstances will vary widely Unless the
tract is returned to the Home Office for endorsement and
special consideration the benefits would continue in force
in the same manner as the divorce had not taken place.
subject to payment of the required premium.
There large number of circumstances that can
arise concerning family Regardless of those changes the
be paid to the herein unless the contract
endorsed rewritten
to the Home Office and that the changes be made
In the selection of benefcaries it is customary to spe
husband wife want to specify other beneficiares they
have to do by The normal provision is that
the wife the beneficiary of the husband and the husband
will be the beneficiary of the wife providing the beneficiary
is living If the beneficiary is not living then the bene
carys estate will be paid the death benefit This is really
facility payment clause to enable the company to dis
charge it's obligation cleanly without becoming involved in
family changes and unusual circumstances.
remarres to wife of different age Let the
husband and original wife of the age and she
had 81 600 of insurance At her DEATH the $1,000 is paid
he Immediately becomes insured for $4,000 of Endow
ment at 85 plus $1,000 Term to 65 If he remarres at
subsequent date the $1,000 Term coverage will continue on
his fe unless he sends his contract for endorsement
In that the insurance the wife
would be whatever her age dferentia from his would pro-
vide The 1000 Term his life would of discon
nue He would be entitled to the term way
another but he must do something in order to change it
from the automatic coverage arising from the death of the
first wife If he does nothing the second wife has in
If the change made she will be covered the
as though she covered at date of ISSUE
The Family Plan contains conversion benefit which
permits the wife and children to convert to permanent
plan of coverage without evidence of nsuraby the
praton date of their benefits The wife convert for
amount of insurance equal to the amount which she had
the Family Pan whereas the children convert to
equal to five times that which they had under
the Term to Is benefit.
And with this Mr. Bruce concluded his explanation of
this method of whoe-famy protection.
Mr.. Bruce then invited questions pertaining to the
Family Group Plan proposed for adoption by this Board
Bro. Skrtic asked if provision has been made in this
suggested Family Group Plan" for the payment of $032
the Societys funds and Mr. Bruce applied in
the affirmative.
Bro. Vranes asked what the status quo would be of
the children covered under this plan when they reached the
age of 25 years.
Mr.. Bruce said that credits would be given in such
that such must seek type potec