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Group life insurance for the American Dental Association
PUBLISHED
THE
PlFTBBNTH
THE C. V. MOSBY Co.,
OP
35232.5 P&t
Britain - Henry Depots - Great ,W High Holborn. London, W. C.; aara-Stirling & Co., 317 Coltfns Street, Modern Chambers, MeG;zoft”o’n”e :S{ryey --“Practical Medicine,” Deihi : Forto Rico-Pedro C. Timothee: Rafael Corder0 68, San Juan, P. R. Snbsertptlon Rates-Single copies. 75 cents. To anywhere in United States, Cuba. Porto Rico, Canal Zone. Mexico. Hawaii and Phttippine Wands. $7.00 per year in advance. Under foreign postage, $7.40. Volume begins wfth January and ends with December of each year. Renrittbneee-Remittances for subscriptions shouId be made by check. draft. postofflce or express money order, or registered letter payable to the publishers, The C. V. Mosby Company. Contribatlons-The editor will be pleased to consider the publication of original communications of merit on orthodontic and allied subjects, which must be contributed solely to this. Journal. Opinions-Neither the editor nor the pubhsher hold themselves responsible for the opinfonet of contributors, nor are they responsible for other than editorlal statements. Reprints--The publishers will communicate with authors regarding reprints upon publication of paper.
Entered
at the
Post
Ohice
MONTH
Bled.,
BY
St. Louis,
Mu.
Co~mltAieatiens-Contffbut~d articles, cllustrations, letter, books for review, and &I1 other matter pertain& to the edftorial department should be addressed to the Edftor, Doctor Martin Dewey, 17 Park Ave.. New York City. All communications in regard to advertising, subsctipttons, change of addre8S. etc., should be addressed to the publishers, The C. V. Mosby Company, 3533~23 Pine Blvd., St. Louis, MO.
Barei~~
KiWTsn,
-
EVRRY
Illustrations-Such half-tones and zinc et&ings as in the Judgment of the editor are necessary to illustrate articles will be furnished when photographs or draw’lnga WI* supplied by the authors of said articles. Advertiaemmta - Obfectionable advert&e merits will not be accepted for pwblicatlon Forms close first of month in this Journal. preceding date of issue. Advertising rates and sizes on application.
Change of Address-The publishers shouhl be advised of change of subscriber’s addreaa about fifteen days before date of hwue with both new and old addresses given.
Nonreceipt of Copies-Complaints for nonreceipts of copies or requests for extra numbers must be received on or before the fifteenth of the month of publication; otherwise the supuly is apt to be exhausted. ------at St. Louis, MO.. as Second-Class Matter. -_-l_r._ -._x-.--.
EDITORIALS Gmup
Life Insurance
for the American
Dental
AsWiolo
A
T the meeting of the American Dental Association at Minneapolis in 1926, the delegates from the Kansas State Dental Association presented a proposition to the house of delegates regarding group life insurance for the members of the American Dental Association. This request was made because several state dental associations had investigated the feasibility of different state societies being granted insurance under a group policy. As a result of the investigation carried on by the Kansas State Dental Association, it was found that if the American Dental Aasociation could be induced to take out a group policy, the cost of insurauee to the individual members would be much less than to members of a state organization. 97
The plan had been carefully studied and outlined by Dr. Homer B. Robison, at that time president of the Kansas State Dental Association, and Dr. Fred A. Richmond, secretary of the aforenamed association. As this plan necessarily involves expenditure of money by the individual members of the American Dental Association and not by the association as a wholeP the matter was referred to the board of trustees for investigation. In time it was refer&d to the att,ornry for -t,he American Dental Bssociat.ion. In order to ascertain the infallibility of t,his plan, the matter was brought to the attention of attorneys in different sections of the country and to insurance brokers who were in no way financially int,erested in the proposition. These attorneys and brokers-pronounced the plan safe and sound. Some members of the board of trustees became very enthusiastic over the plan and wanted it to be put into effect. at, once, so that the members of the American Dental Association who were approaching the age limit could take advantage of the insurance before the meeting at Washington in 1929. However, some of the men who had been members of the house of delegates at Minneapolis advised that the matter be again referred to the house of delegates for final adoption. At the first meeting of the house of delegates at Washington, the board of trustees brought in a report in favor of the group insurance plan. The committee on rules and order moved that this report be made a special order of business for the afternoon. When the time arrived, the plan was adopted by the house of delegates without a dissenting vote. In brief, the plan allows any member of the American Dental Association between the ages of twenty and sixty years inclusive to obtain $3&O worth of insurance for an annual payment of $33, bet,ween the ages of sixty-one and sixty-five inclusive to obtain $1000 for an annual payment of $11. This insurance can be obtained without a medical examination, provided the individual is engaged in the practice of dentistry. The money becomes payable in the event of permanent disability before the age of sixty. Life insurance in the American Dental Association will thus become a great help to the Relief Commission of the American Dent,al Association. In order that this insurance might operate, 25 per cent of the eligible members must make application for it. As many of the members of the American Dental Association are fast approaching the age limit, and in order that they may avail themselves of t,he advantages of this insurance, we suggest that they comply with the request of the insurance committee and apply for the insurance under this group policy at once. In fact, we urge the general membership to do likewise. The following is a quotat,ion from a letter received by the insurance secretary from a very prominent member of t,he dental profession: “I think that your plan is an excellent one and consider it one of the most valuable contributions to the economic welfare of the profession made by any of the committees of the American Dental Association. It should help very materially to solve the relief problem.” We also believe that this life insurance under the group policy plan as worked out under t,he guidance of Dr. Robison and Dr. Richmond is one of the outstanding achievements of the American Dental Association.
THE
PlFTBBNTH
THE C. V. MOSBY Co.,
OP
35232.5 P&t
Britain - Henry Depots - Great ,W High Holborn. London, W. C.; aara-Stirling & Co., 317 Coltfns Street, Modern Chambers, MeG;zoft”o’n”e :S{ryey --“Practical Medicine,” Deihi : Forto Rico-Pedro C. Timothee: Rafael Corder0 68, San Juan, P. R. Snbsertptlon Rates-Single copies. 75 cents. To anywhere in United States, Cuba. Porto Rico, Canal Zone. Mexico. Hawaii and Phttippine Wands. $7.00 per year in advance. Under foreign postage, $7.40. Volume begins wfth January and ends with December of each year. Renrittbneee-Remittances for subscriptions shouId be made by check. draft. postofflce or express money order, or registered letter payable to the publishers, The C. V. Mosby Company. Contribatlons-The editor will be pleased to consider the publication of original communications of merit on orthodontic and allied subjects, which must be contributed solely to this. Journal. Opinions-Neither the editor nor the pubhsher hold themselves responsible for the opinfonet of contributors, nor are they responsible for other than editorlal statements. Reprints--The publishers will communicate with authors regarding reprints upon publication of paper.
Entered
at the
Post
Ohice
MONTH
Bled.,
BY
St. Louis,
Mu.
Co~mltAieatiens-Contffbut~d articles, cllustrations, letter, books for review, and &I1 other matter pertain& to the edftorial department should be addressed to the Edftor, Doctor Martin Dewey, 17 Park Ave.. New York City. All communications in regard to advertising, subsctipttons, change of addre8S. etc., should be addressed to the publishers, The C. V. Mosby Company, 3533~23 Pine Blvd., St. Louis, MO.
Barei~~
KiWTsn,
-
EVRRY
Illustrations-Such half-tones and zinc et&ings as in the Judgment of the editor are necessary to illustrate articles will be furnished when photographs or draw’lnga WI* supplied by the authors of said articles. Advertiaemmta - Obfectionable advert&e merits will not be accepted for pwblicatlon Forms close first of month in this Journal. preceding date of issue. Advertising rates and sizes on application.
Change of Address-The publishers shouhl be advised of change of subscriber’s addreaa about fifteen days before date of hwue with both new and old addresses given.
Nonreceipt of Copies-Complaints for nonreceipts of copies or requests for extra numbers must be received on or before the fifteenth of the month of publication; otherwise the supuly is apt to be exhausted. ------at St. Louis, MO.. as Second-Class Matter. -_-l_r._ -._x-.--.
EDITORIALS Gmup
Life Insurance
for the American
Dental
AsWiolo
A
T the meeting of the American Dental Association at Minneapolis in 1926, the delegates from the Kansas State Dental Association presented a proposition to the house of delegates regarding group life insurance for the members of the American Dental Association. This request was made because several state dental associations had investigated the feasibility of different state societies being granted insurance under a group policy. As a result of the investigation carried on by the Kansas State Dental Association, it was found that if the American Dental Aasociation could be induced to take out a group policy, the cost of insurauee to the individual members would be much less than to members of a state organization. 97
The plan had been carefully studied and outlined by Dr. Homer B. Robison, at that time president of the Kansas State Dental Association, and Dr. Fred A. Richmond, secretary of the aforenamed association. As this plan necessarily involves expenditure of money by the individual members of the American Dental Association and not by the association as a wholeP the matter was referred to the board of trustees for investigation. In time it was refer&d to the att,ornry for -t,he American Dental Bssociat.ion. In order to ascertain the infallibility of t,his plan, the matter was brought to the attention of attorneys in different sections of the country and to insurance brokers who were in no way financially int,erested in the proposition. These attorneys and brokers-pronounced the plan safe and sound. Some members of the board of trustees became very enthusiastic over the plan and wanted it to be put into effect. at, once, so that the members of the American Dental Association who were approaching the age limit could take advantage of the insurance before the meeting at Washington in 1929. However, some of the men who had been members of the house of delegates at Minneapolis advised that the matter be again referred to the house of delegates for final adoption. At the first meeting of the house of delegates at Washington, the board of trustees brought in a report in favor of the group insurance plan. The committee on rules and order moved that this report be made a special order of business for the afternoon. When the time arrived, the plan was adopted by the house of delegates without a dissenting vote. In brief, the plan allows any member of the American Dental Association between the ages of twenty and sixty years inclusive to obtain $3&O worth of insurance for an annual payment of $33, bet,ween the ages of sixty-one and sixty-five inclusive to obtain $1000 for an annual payment of $11. This insurance can be obtained without a medical examination, provided the individual is engaged in the practice of dentistry. The money becomes payable in the event of permanent disability before the age of sixty. Life insurance in the American Dental Association will thus become a great help to the Relief Commission of the American Dent,al Association. In order that this insurance might operate, 25 per cent of the eligible members must make application for it. As many of the members of the American Dental Association are fast approaching the age limit, and in order that they may avail themselves of t,he advantages of this insurance, we suggest that they comply with the request of the insurance committee and apply for the insurance under this group policy at once. In fact, we urge the general membership to do likewise. The following is a quotat,ion from a letter received by the insurance secretary from a very prominent member of t,he dental profession: “I think that your plan is an excellent one and consider it one of the most valuable contributions to the economic welfare of the profession made by any of the committees of the American Dental Association. It should help very materially to solve the relief problem.” We also believe that this life insurance under the group policy plan as worked out under t,he guidance of Dr. Robison and Dr. Richmond is one of the outstanding achievements of the American Dental Association.