ZajednicÌŒar = Fraternalist. [volume] (Allegheny, Pa.) 1894-current, 1958-06-18
Bv JOHN OVCARICH,

"A UGH INTEREST WAS evinced during the Society's
wi Training Schools of recent vintage Chicago, April e.
a. and Pittsburgh June in the Croatian Fraterna Uni
ons Income Defender Certificate.
Adopted via Referendum Vote during the months of
October and November 1853 and made effective of
January 1854 this modern protection is far reaching
in it's scope of coverage that herewith explain it's main
features detail for the edfcaton of our Lodge Officers
Campaign Workers, and Members.
To begin with, the plan provides benefits for loss
of the result of accidental bodily injuries and for
loss of time caused by illness.
In other words, person must be wage (male
ae if such person to be insured and collect benefits
under this plan result of loss of time caused by
accident Illness
Any loss time which is sustained the result of
accidental bodily injury benefits for such loss shall be
payable from the first day Any loss of time which is
sustained the result of Illness benefits for such loss
shall be payable only after the certificate has been in force
at least 80 days after the date of issue.
To further explain this provision, member cannot
claim any benefits for loss of time the result of
illness during the first 80 days the certificate is in force
This insurance such injury if caused by any of
the aviation but only while the insured is riding
as fare paying passenger in licensed passenger plane
provided by incorporated carrier of passengers
and operated licensed transport pilot between definitely
established airports.
What If Member Becomes Totally Disabled?
If member becomes totally disabled the result of
accident he shall be entitled to benefits beginning with
benefits shall $4,000 per month and shall not
exceed months for any injury. month shall
period of 80 days. member becomes injured but is not
disabled benefits will be paid for the expense actually in
Cured to $500 such injury requires treatment within
"a hours by licensed physician, surgeon, oseopath
chropracor and providing other benefits received
by the member for such injury.
If member becomes totally disabled the result of
Illness he is entitled to benefits the 9Th day after
the first treatment by licensed physician surgeon e
days shall be required before any benefits pa) Such
benefits shall amount to $4,000 per month and shall not
exceed months for any illness.
disqualification Angle OF Income Defender
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
benefit commencing with the first day of confinement
but such benefits shall not exceed period Of 30 days
the result of any injury Illness
For further clarification this simply means that if
you 70 to 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 was in the hospital for 60
days. he would be entitled to $4,000 for the first 30 days
and $4,000 for the next 80 days. total of S3O0OO If
married female suffers illness the result of child
birth after 2S weeks of pregnancy and such childbirth
after the certificate has been
months, payment of $4,000 will be made
l Such payment shall be made the basis of $500
to the insured member and $500 credit to the child