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JACKSON COTOTTY JOURNAL, SYLVA, IT. C. 0 THE GOVERNMENT STRENGTHENS HONORS AMERICAN ARTIST CAMP KEARNEY MEN LEARNING GAS ATTACK METHODS FIGHTER AND SAFEGUARDS HIS HOME Uncle Sam's War Risk Insurance Offers Protection at Cost Gov ernment Assumes All Administrative Costs and Extra War Hazards Business Exceeds by Several Hundred Per Cent Largest Insurance Company in World. II I izzz 1 By JAMES H. COLLINS. Committee on Public Information.) T October G, 1917, the war-risk in mirinoe law wont into effect, provid ing for protection of our soldiers, sail ors mill marines and their families. On M,ri! '' ll)1S' ouly slx months lat" Uncle Ssun had written approxi mately U. 000,000,000 of war risk in surance on his fighting forces, cover ln,lipvari of 1,700.000 persons in the jnilitary aiui u;iiu rnvc unui-au-nts and allowances alone, approxi mately 1.(100.000 checks aggregating more'tlian $13,000,000 have already been sent. It will not be long before th, bureau will bo sending out a mil lion clucks a month. Wo liave spoken of it as "the war risl; insurance law." Technically this h eorroet; actually, it Is mislead ing for tlie legislation that went into effect on October 0, 1917, was really A group 01 laws HUll ilUlS UU-UIUlllUl- for a common purpose. The first measure in tliis unprecedented pro gram 'f protection is the system of allotments and allowances, in which tho tiduor and the government are partner" for the care of the families of all enlisted men in the military or naval service. The second measure provides for stated compensation for death and dis ability incurred in the line of duty. This Is the modem American substi tute for pensions. The compensation, which ranges from $20 to $100 a month, is paid automatically by the govern ment to certain specified beneficiaries, regardless of rank or pay, and without any cost to the recipient. The third measure of protection is outright government insurance against I fw?oWaS discusse. was stated that $58 a thousand was the lowestfig ure at which any insurance company um unora to accept soldiers and sail ors as riskSf and that only for year Thus, $10,000 life insurance, which un der the government system would cost n. soldier twenty-six years old $80.40, would cost about $580 with a private insurance company. This disparity is largely explained by the government's liberality in itself assuming all the ad ministrative costs and the extra war hazards. Supplants Pension System. The entire system of protection af forded by the government is, in the words of a major general in the army, an element of victory in the present war. Families provided for means fighters unafraid. The difference between the old pen sion system and the modern system vwucn nas supplanted it is clearly ! Louis Orr, an American artist, is the first artist of any nationality to ha.ve a picture acquired by the Louvre in Paris, during the artist's lifetime. His etching is of the Pont Neuf, the oldest bridge in Paris. The original plate Is now in permanent possession of the demonstrated by the case of Mrs. Bet- S Louvre and a C0Py of it is in the Luxem- Dourg museum along with Mr. Orr's fa mous etchings of Reims cathedral. ty Ingraham, 403 Third street. Piatt City, Ala., the first woman to receive a check from the Bureau of War-Risk Insurance for a soldier or sailor killed in action In the present war. Her son, Gunner's Mate Osmond Kelly Ingra-1 ham, was killed October 15, 1917, when ! the U. S. S. Cassin was attacked by a German submarine. Under the terms of the military and naval insurance act, Mrs. Ingraham. being a widowed mother dependent up on her sou for support, will receive $20 per month, as long as she lives, unless she remarries. Furthermore, she is entitled to $25 a month for 240 months under the insurance provision of the act. Her son had not made specific application for insurance, but up to February 12, 1918, automatic insur ance for approximately $4,300 was pro vided. Thus, Mrs. Ingraham will re ceive & total of $45 per month from the United States government. If her son had applied for $10,000 of insurance she would receive $77.50 a month. Un der the pension laws, section 4707, Re i vised Statutes, as amended by the act S of June 27, 1890, Mrs. Ingraham would ! have been entitled to $12 a month. Such is the chasm between the old and j the new. j The vast amount of Correspondence which comes to the Bureau of War Risk Insurance is steeped in human in terest. Stories of heroism and lofty patriotism are found by the thousands in the letters received at the bureau. Many mothers and fathers have re turned checks sent to them by the gov ernment, declaring that the govern ment needs the money at this crucial hour to win the war. Keeps Home Fires Burning. The Bureau of War Risk Insurance is keeping the home fires burning. But it is doing more than that. It is keep ing America's fighting forces confident and reassured. A "bluejacket" on one of the battle- ' ships after signing the application for death and total permanent disability. In this. the United States is a pioneer among the nations of the world offer ing insurance up to $10,000 to every member of its fighting forces, at net peai-e rates. The government assumes all overhead charges and costs of ad ministration, thus making the rates al- most incredibly low. This insurance i is a supplemental form of protection, j stimulating thrift and strengthening self-respect, j Immensity of Bureau's Work. The fourth measure of protection fmhodied in the military and naval Insurance act is the system of re-education and rehabilitation of the men disabled in the war in itself a task of vital importance and great magni tude. The figures given convey an idea of the immensity of the bureau's work. Th? insurance now on the books of the I'.ureau of War-Risk Insurance exceeds by several hundred per cent the insurance held by the largest life tnsurance company in the world. To cope with the hydra-headed prob lem imposed upon it, the Bureau of War Ilisk Insurance has been forced to Pxpnnd at an exceedingly rapid rate. The bureau now occupies space in eight separate buildings, covering an $10,000 of government insurance, drop area of more than 120,000 square feet, ! ped his pen and said : ami has a personnel of more than 3,-! "I have taken care of my family ; 300, working in two shifts, from nine i now I can go out and fight like blazes." o'clock in the morning till midnight. ' Thousand of families throughout It may bo asked why the govern- j the country are directly and vitally ' af fluent, in addition to familv allowances . fected by the allotment and allowance and liberal compensation, should offer Insurance against death and disability to its lighting men. The justification for this sweeping innovation is simply this: The government by calling a man to war takes him into the most hazardous business in the world, and thus destroys his insurability. In re tfirn, it is only fitting and proper that the government should go into the in surance business for his benefit. Pri vate insurance companies could not possibly insure soldiers and sailors ex It at prohibitive rates. At a con ference -of life insurance representa tives in Washington, when the pres- feature of the war insurance law. Ev ery married enlisted man in the army and navy must allot from his pay (ev ery month) at least $15 a month, and not more than half his pay, toward the support of his wife and children. To this allotment the government adds certain allowances, depending upon the size of the family. In addition, the enlisted man may make some further provision for other relatives, and in case of dependency the govern ment will add certain allowances. The Bureau of War Risk Insurance, therefore, must keep a tremendous fil ing and cross-filing system, covering FRENCH AND AMERICANS IN GRENADE ATTACK Land, some ' 'emiihioi. iirwi Ainorinnns n nrlvancinc across No Man's rcTV,n ,he front in France. They are moving cautiously, ready to use the lDalos they are carrying in the sacks slung over their shoulders. every enlisted person in the nation's service, and this means millions of cards, millions of bookkeeping and financial operations, thousands of awards, and thousands of checks go ing out every month. The bleak specter of poverty, the humiliation of charity, the silent suf fering of penniless pride these are eliminated by the government protec tion when the man is fighting. After his fighting is over, government com pensation and government insurance are then called upon to play their part in the work of protection. Persons who have business with the Bureau of War Risk Insurance, as beneficiaries or otherwise, need not in any circumstances employ claim ' agents or provide lawyers. The Bu ! reau of War Risk Insurance will cheer fully furnish full legal advice and as sistance. Secretary McAdoo has vig orously denounced the nefarious activ ities of claim agents and others wTho would prey upon dependents of men killed in battle by exacting unneces sary fees and requiring useless litiga tions. Claims Paid Promptly. Actual insurance checks, mailed to the dependents of a soldier or sailor who has been killed in battle or died of disease, involve very few complica tions making for delay. These insur ance claims are paid promptly after death. Uncle Sam's war-risk insurance had the "selling" advantage of a very at tractive rate, and also a wide popular interest roused by the contingencies of war. Even so, a certain amount of work was necessary to roll up a large body of policyholders. A very brief experience during the first few weeks demonstrated that educational work was necessary some well-organized effort looking toward explanation, so that every soldier, sailor, marine, nurse, and coast guard man would know what might be obtained under this law that is to say, liow their rights. Therefore, during the month of Jan uary, men were detailed in every can tonment and on every ship to under take the work of explanation. It was found that hundreds of trained insur ance men were available in the army and navy, and these, as well as offi cers interested in the welfare of their men, were arrayed for a general cam paign. Leaders in this movement were assembled at the War-Risk In surance Bureau in Washington for three days' instructions, returning to their posts all over the country pre pared to explain insurance in detail. A spirit of friendly rivalry was cre ated among regiments and other units of the fighting forces on land and sea Many officers made it a point of pride to have every one of the men under them Insured, very often to the entire amount allowed under the law, which vis $10,000. Average Is $8,000 a Man. The latest figures show that the av erage amount of insurance taken out by our fighters is upward of $8,000 per man. It was estimated as early as February 12, 1918, that the Ameri can army, both here and abroad, was more than 90 per cent insured by Uncle Sam. Final figures for the navy are not yet available, but the blue jackets are known to have responded enthusiastically. As long as new men are called to the colors, Uncle Sam's insurance campaign will continue with out let up. "Insurance means pre paredness; preparedness means vie tory" this is one of the many battlt cries which are arraying all Americac fighters in the insurance . ranks. The War-Risk Insurance Act is ad ministered by the treasury department and the work of carrying out its pro visions is under the close supervision of Secretary McAdoo, who proposed tc the congress the measure oreating the bureau and who has had personal charge of the organization of this new form of government activity. Its sue cess is very close to his hearty because he sees in it not only a great humani tarian piece of legislation, bringing se curity and justice to those who defend our flag, and to their dependents, but also an experiment which may lead to broader human benefits in the future Men in training at Camp Kearney, California, are shown lined up to receive their gas masks; below is seen a pois onous gas bomb attack during a night maneuver at the same camp. CANADIAN DIRIGIBLE READY FOR THE ASCENT "W"."'.1;"- 1 I i ,,, ,, ! ;...; ! U ! '..,,, . ,.,.;.:,.,,,::,,!, I . ',!,,:.,;... ., ,, I !'.,, ....... . , ' J "i n ill 1 1 j i , ..ill - 1115 jj .. ... . iiMmm 1 j.i ' 1 . .. ,,,:;,.:,.X::,.:,. Kewpper Union :!uge dirigible belonging to the Canadians in Picardy ready to go up in the air. GAS SHELLS FOR AMERICAN TROOPS WEALTHY PACKER IN KHAKI These gas shells for the Americans are being stored close to the front in France. To prevent enemy airmen spotting them or the weather damaging them the shells are kept in a well-protected and covered dump. GIGANTIC SIREN OF NOTRE DAME. PARIS 3 if jgj p m 1 M $ v" is Nelson Morris in the uniiorm of a private is shown here in charge of the selected men sent to camp by local board 13 in Chicago. He was in the quota that left for Camp Grant, where he will be trained for service in the artillery branch of the National army. Nelson Morris Is a millionaire packer and chairman of the board of director .f Nelson Morris & Co. Playing It Both Ways. She (sentimentally) Which do y-rx regard more highly the pleasures of hope or the pleasure of memory? He (briskly) I'm for both. For x aiple, I hope for a quick turn In the ock market, which promotes my hap ness, and if it turns my vn;. he "iory wi'l be everything that could - desired. This siren placed on the tower of Notre Dame is one of the 2G fixed sirens that are being installed all over Paris to warn the people of air raids or the ;ae approach of the shells from the long-range German gun. e:ich of these sirens will carry a distance of 1,500 meters. The sound from Permanent lnvtmeni think tin o wants to r declared ih- b'ond sinog "Bought you i" ilowers "Bought m j; .Im-Moium" tin i'.ii i. f.r ,i , - S.J H - . m i i i. i j- it it An H !! (i ll t 5 t! i il . - V 1 i ' : 't ' J I I ) t i : r 1 1 r l fi ! 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