Fraternity-Testvériség, 1980 (58. évfolyam, 1-4. szám)

1980-10-01 / 4. szám

1 nate at age 60, except for the Income Protection Plan, which may be extended to age 65 at higher rates. 107. Members having paid-up life certificates may continue their membership in the Sick Benefit Department if they pay 35 cents each month or $3.00 per year in advance over their regular monthly sick benefit dues. 108. Application for a Sick Benefit Certifi­cate shall be made upon the form of application blank prescribed by the Federation. The term of membership shall date from the day when the Vice President-Secretary shall record the name of the accepted applicant in the official register of the Federation, together with the receipt of at least one month’s dues. 109. Women members holding certificates issued before 1960 shall be entitled to receive sick benefit of only $5.00 per week. Income Protection Plan is issued only to men, ages 16-55. 110. The monthly dues for sick benefit in­surance are due and payable on the first day of each month, and if not paid within the grace period, the members shall be suspended from all benefits. A suspended member may be re­instated within three months upon the payment of all monthly dues. 111. No sick benefit shall be paid to a mem­ber: a) unless regularly attended by a physician: M. D.; or osteopath; b) unless sickness is reported within 30 days, or within a reasonable period of time from the beginning of the disability; c) who within 6 months after his admission of membership is afflicted witli cancer, nervous or mental disease, alcoholism or any other illness which was contracted prior to the date of application. d) on a certificate issued by a chiropractor, neuropath, dentist or midwife. The Federation reserves the right to reject any medical certificate and order a re-examina­tion by another physician (M.D.) at the expense of the Federation. ARTICLE XV HOSPITALIZATION CERTIFICATES 112. The Federation issues individual hos­pitalization insurance certificates to adult mem­bers between the ages of 16 and 55. The Federa­tion also issues family hospitalization insurance certificates to members in said age group which includes the spouse and children. 113. Medical examination shall be required for hospitalization insurance and increases. 114. Both individual and family hospitaliza­tion certificates are guaranteed renewable up to age 65. 115. The Federation shall provide for bene­fits specified in each certificate. Such' benefits shall be payable directly to the member or his designated beneficiary and shall not be assign­able. Hospitalization benefits shall be paid on submitted and certified claims and bills. Docu­mentary proofs and bills to be submitted shall be the responsibility of the member. 116. While the Federation cannot cancel hospitalization certificates before the age of 65, it reserves the right to levy additional assess­ments. Rates will not be changed for individual members. Any rate change necessary will apply to all members of the same class. This stipula­tion will not apply to non-cancellable, guaran­teed, renewable hospitalization certificates. 117. Hospitalization insurance certificates shall be issued in the form of a rider or as a separate certificate to the life insurance certifi­cate of a member. ARTICLE XVI COVERAGE 118. All provisions of these by-laws shall be applicable with the same force and effect to all members and branches located in the various states of the United States and the various pro­vinces of Canada. ARTICLE XVII MISCELLANEOUS PROVISIONS 119. Only the Executive Committee of the Federation shall have the power to waive any XIV

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