arm, above elbow, $50; thigh, $100; fingers, one or more entire, $10; toes, one or more entire, $25. Reduction of, dislocation of shoulder, elbow, hip, knee or ankle, $25; wrist or jaw, $15; fingers, one or more, $10. Excision of shoulder, hip or knee joint, $100; elbow, wrist or ankle joint, $50. Incision for synovitis (inflammation of the lining membrane of a joint), $25. Injection of anti-tetanic serum into frontal lobe of brain, $100. Sequestrotomy (removal of dead bone), $35. Reduction of, fracture of nose, lower jaw, collar bone or shoulder blade, $25; breast bone, $10; rib or ribs, $10; upper arm, $35; forearm, one or both bones, $25; wrist or hand, $15; fingers, one or more, $10; pelvis or sacrum, any of the bones of, $50; coccyx, $10; thigh, $75; knee cap, $50; leg bones, one or both, $50; foot, two or more bones, not toes, $15; toes, one or more, $10. Gunshot wounds-removal of shot or bullet, $25. Skull trephining for fracture, $100. Suturing wounds, $5.

PART IX. INDENTIFICATION INDEMNITY.-If such bodily injury shall render the insured physically unable to communicate with relatives or friends the company will, upon the receipt of a telegram or other message giving this policy number, immediately transmit to the beneficiary any information in its possession respecting the insured and will pay, in addition to the indemnity otherwise provided herein, the expense necessary to place the insured in communication with and in care of relatives or friends, but such expense and the liability of the company under this part shall not exceed one hundred dollars ($100).

FOR STANDARD PROVISIONS SEE PAGE 11
ADDITIONAL PROVISIONS

SECTION A. No assignment of interest under this policy shall bind the company unless consent thereto is formally endorsed hereon by an executive officer of the company. A copy of any assignment shall be given, within thirty days, to the company, which shall not be responsible for its validity. Failure on the part of any claimant under this policy to furnish proofs of loss within ninety days after the date of loss, or the termination of the period for which the company is liable, provided the furnishing of such proofs within that period was reasonably possible; or, refusal to permit such examination of the person of the insured or autopsy in case of death as herein before provided for, shall invalidate all claims under this policy.

SECTION B. SURGICAL OPERATION, FEES OR HOSPITAL INDEMNITY.—Affirmative proof of a surgical operation, or of hospital confinement, must be furnished to the company at its said home office, within ninety days from the date of the operation, or of the termination of the confinement in a hospital.

SECTION C. The company's liability shall not in any case extend to more than one part of this policy on account of any one accident to the insured except as provided in Parts VII, VIII and IX hereof.

SECTION D. The insurance hereunder shall not cover accident, injury, disability, death or other loss caused directly or indirectly by disease in any form or by ptomaines, or sustained by the insured while engaged in aerial navigation.

SECTION E. The falsity of any statement in the application for this policy materially affecting either the acceptance of the risk or the hazard assumed hereunder, or made with intent to deceive shall bar all right to recovery under this policy.

SECTION F. No provision of the charter, constitution or by-laws shall be used in defense of any claim under this policy, unless such provision is incorporated in full in this policy, but this requirement shall not be deemed to apply to the table of rates or manual of classification of risks filed by the company with the state official having supervision of insurance companies in the state wherein this policy is issued prior to the date of the occurrence of the injury for which indemnity in claimed.

SECTION G. This policy may be renewed with the consent of the company, by the payment of the premium in advance, subject, however, to all the conditions and provisions of the policy.

SECTION H. The copy of the application endorsed hereon is made a part of this contract, which is made subject thereto.

WEEKLY INDEMNITY.-While totally disabled and confined to the house $25; one day to fifty-two weeks. For total disability following such confinement $12.50, one day to fifty-two weeks. For total disability beyond fifty-two weeks $6.25 a week up to age 70. While confined to a hospital the result of an operation $50 a week. While quarantined by reason of contagious disease $25 a week up to twelve weeks.

SURGEON'S FEES.-In case of operation the result of disease, this policy provides a long list of cash benefits, and which are paid in addition to the weekly indemnity.

PREMIUM.-Ages 18 to 50 inclusive, $35 per annum; ages 51 to

55 inclusive, $45 per annum. Health policies are sold only to those who carry accident insurance in this company.

The Preferred Accident Insurance Company, of New York, (herein called the company) in consideration of the representations and agreements contained in the application for this policy and of the premium of thirty-five dollars, does hereby insure, John Doe, (herein called the insured) of New York, State of New York, by occupation an attorney at law for the period of twelve months, beginning at twelve o'clock noon, (Standard time), at the place where insured resides on the first day of January, 1914, and ending at the same hour on the first day of January, 1915,

against disability from sickness, as herein defined and specified, subject to the provi sicions and limitations hereinafter contained or endorsed hereon: Weekly indemnity under this policy is twenty-five dollars ($25).

PART I. WEEKLY INDEMNITY-TOTAL DISABILITY. HOUSE CONFINEMENT.-If any sickness contracted by the insured, during the term of this policy or any renewal hereof, and not hereinafter excepted, necessarily confines the insured in the house for a period beginning during the said term, and prevents the insured throughout the period of such confinement from performing any and every kind of duty pertaining to his occupation, the company will pay the insured so long as he lives and is so confined, not exceeding fifty-two consecutive weeks, the weekly indemnity mentioned above.

DISABILITY FOLLOWING HOUSE CONFINEMENT.-If the insured shall be confined in the house and disabled within the terms of the preceding paragraph and if continuously thereafter the sickness causing the said confinement in the house totally disables and prevents the insured from performing any and every kind of duty pertaining to his occupation (but not necessarily to the extent of confining him in the house) the company will pay the insured for the period of said disability, if any, following said confinement in the house and within fifty-two weeks from the beginning of the said confinement, onehalf of the weekly indemnity mentioned above.

INDEMNITY FOLLOWING FIFTY-TWO WEEKS HOUSE CONFINEMENT.-If immediately following the expiration of the said fifty-two weeks of confinement in the house as aforementioned, the insured continuously suffers said disability and shall be prevented by reason thereof from performing any and every kind of duty pertaining either to the occupation stated in the aforementioned application or to any other business or occupation whatsoever, the company will pay the insured for each week that he is continuously so disabled one-quarter of the weekly indemnity mentioned above.

PART II. PERMANENT DISABILITY FROM SICKNESS.-Upon due proof to the company that the insured has, as the result of disease contracted during the term of this policy and not hereinafter excepted, entirely and irrecoverably lost the sight of both eyes, or permanently and entirely lost the use of both hands or both feet, or of one hand and one foot, or has suffered incurable paralysis, and also that he has been for one year and will thereafter and during his life, by reason thereof be permanently disabled from engaging in any work or occupation for wages or profit, the company will extend the period during which it will pay indemnity under the first paragraph of Part I to one hundred (100) consecutive weeks.

PART III. HOSPITAL INDEMNITY.-An additional weekly indemnity, equal to fifty per cent of the weekly indemnity aforementioned, will be paid by the company to the insured for the period, not exceeding ten weeks, that the insured is necessarily confined in a hospital by reason of any sickness for which indemnity is payable under this policy, provided, the insured be removed to said hospital within ninety days from date of the beginning of said sickness.

PART IV. SURGICAL OPERATION FEES.-If a sickness, for which indemnity is payable under this policy, is suffered by the insured, and if on account of said sickness and within ninety days from the date of the beginning of said sickness, the insured undergoes a surgical operation named in the following schedule of operations the company will pay the insured (in addition to the indemnity payable under Parts I and III for said sickness) the sum set opposite such operation in said schedule; but the payment shall not be made for more than one (the first) operation resulting from any one sickness, nor for any operation resulting from any sickness, disease or condition existing or contracted prior to the issue of this policy.

SCHEDULE OF OPERATIONS.-The amounts stated in the following schedule are payable under this policy if the weekly indemnity aforementioned is twenty-five dollars.--proportionate amounts are payable if said weekly indemnity is for a larger or smaller sum. Opening the abdominal cavity (laparotomy) for removal of appendix, $50. Aneurismnon-traumatic (tumor of artery)-ligation, $50. Abscess or boil-incision, $5. Bronchotomy, thyrotomy, laryngotomy, laryngotracheotomy or tracheotomy, $50. Carbuncleincision and treatment, $5. Caries (bone ulcer) curetting, $15. Eye, ear, nose or throatany cutting operation, $10. Felon-incision, $5. Ganglion (cystic tumor of tendon sheath)-incision and curetting, $15. Hydrocele-tapping-incision or excision of sac. $25. Ingrowing toe nail-removal, $10. Intestinal obstruction (see laparotomy), Kidney-fixation or removal, $100. Lithotomy (operation for removal of stone in bladder, tapping excluded) any cutting, $75. Mastoiditis-operation for, $50. Necrosis (death of bone)-sequestrotomy (removal of dead bone), $35. Esophogotomy for stricture or other cause, $100. Peritonitis (see laparotomy). Paracentesis--tapping of abdomen, baldder, $25; ear drum, $10. Rectum, operation for hemorrhoids (external or internal) excision or ligation, prolapsed-operation for fistula in ano-incision, poly

Tumors

pus extirpation, $25; malignant stricture-excision or colostomy, $100. extirpation from any part of the body benign, $15; malignant, $50. Varicose veinsligation or excision, $25. Varicocele acupressure-ligation or excision, $25.

FOR STANDARD PROVISIONS SEE PAGE 11
ADDITIONAL PROVISIONS

SECTION A. No assignment of interest under this policy shall bind the company unless consent thereto is formally endorsed hereon by an executive officer of the company. A copy of any assignment shall be given, within thirty days, to the company, which shall not be responsible for its validity. Failure on the part of any claimant under this policy to furnish proofs of loss within ninety days after the date of loss, or the termination of the period for which the company is liable, provided the furnishing of such proofs within that period was reasonably possible; or, refusal to permit such examination of the person of the insured or autopsy in case of death as is herein before provided for, shall invalidate all claims under this policy.

SECTION B. SURGICAL OPERATION FEES OR HOSPITAL INDEMNITY-Affirmative proof of a surgical operation, or of hospital confinement, must be furnished to the company at its said home office, within ninety days from the date of the operation, or of the termination of the confinement in a hospital.

SECTION C. The company's liability hereunder shall not in any case extend to more than one part of this policy on account of any one sickness suffered by the insured, except as provided in Parts I, III and IV. If the insured shall have become entitled to indemnity for disability on account of accidental injury, the company shall not for the same period of time be liable for any disability on account of sickness.

SECTION D. In the event of disability, either temporary or permanent, resulting rom any disease contracted within fifteen days from noon of the date of this policy, the measure of the company's liability shall be one-tenth of the amount which would otherwise be payable hereunder; anything herein to the contrary notwithstanding.

SECTION E. This policy does not cover any sickness for which the insured is not regularly attended by a licensed physician; nor for any disease that is not contracted during the term of this policy; nor any sickness resulting from injury caused by external and accidental violence; nor any sickness occasioned by or while engaged in military or naval service in time of war; nor disease contracted or suffered outside of the limits of the United States, Canada and Europe, or in Alaska or the insular possessions of the United States, other than the Hawaiian Islands.

SECTION F. The falsity of any statement in the application for this policy materially effecting either the acceptance of the risk or the hazard assumed hereunder, or made with intent to deceive shall bar all right to recovery under this policy.

SECTION G. No provision of the charter, constitution or by-laws shall be used in defense of any claim under this policy unless such provision is incorporated in full in this policy.

SECTION H. This policy may be renewed with the consent of the company, by the payment of the premium in advance, subject, however, to all the conditions and provisions of the policy.

SECTION I. The copy of the application endorsed hereon is made a part of this contract, which is made subject thereto.

The Ridgely Protective Association.

WORCESTER, MASS.

HON. F. A. HARRINGTON, Pres.

F. C. HARRINGTON, Sec.

Incorporated 1894. This association was organized for the purpose of paying sick, accident and death benefits to members of the I. O. O. F. only. COST OF MEMBERSHIP.-An admission fee of $5 is payable at time of application and is returned if applicant is rejected. The premium is $16 a year, payable quarterly.

SPECIAL POLICY.-TABLE OF BENEFITS.

Guaranteed COST.-$16 a year or $4 a quarter. Applicants

50 to 54 years of age must pay $2 a quarter extra.

The association also issues a “Business Man's" policy (Classes 1 and 2 only), costing $20 a year; providing $2000 principal sum, $33 a week accident indemnity, $16.50 a week sickness indemnity and $100 a week traveling indemnity.

The "Record" policy costs $3 a quarter up to the age of 50 years, and covers practically all classes of risks.

POLICY FORM-"SPECIAL"

This policy witnesseth that The Ridgely Protective Association of Worcester, Massachusetts, (hereinafter called the association), in consideration of the representations and agreements contained in the application for this policy, a true copy of which is given on the back hereof, and which is made a part of this contract, and the agreement on the part of the applicant to accept the provisions and conditions therein and herein contained, all of which are hereby declared to be parts of this contract, and in further consideration of the payment of the policy fee and such future premiums as shall be accepted by the Home Office of the Association,

Does hereby insure, for the period covered by such payments, and subject to all conditions and limitations hereinafter contained, John J. Jones, the person named and described in said application (hereinafter called the insured) by occupation an insurance agent with duties as described and defined in the application of this policy, as follows:

A. The association will pay twelve and one-half dollars for the first entire week and twenty-five dollars for each succeeding entire week of total disability resulting immediately, continuously and solely from accidental injuries due to violent, external and involuntary causes, and leaving visible marks of wounds, fracture or dislocation upon the body of the insured.

B. If such accidental injuries shall not totally disable the insured an entire week, but shall immediately and continuously disable him from performing a majority of the Juties of his occupation, the association will pay, during the continuance of such partial disability, one-half the amount provided in Clause A for total disability. Indemnity shall

not be allowed, in any case, for both total and partial disability resulting from injury. C. If injuries and disability described in Clause A shall alone result in any of the following total losses within ninety days of the accident, the association, in lieu of any other indemnity, and provided notice of such injury is mailed to the home office within twenty days from date of accident, will pay for one, and only one, of the following total losses: For loss of both hands by severance at or above the wrists, or for loss of both feet by severance at or above the ankles, or for such loss of one hand and one foot, the principal sum. For such loss of either hand, or for such loss of either foot, half the principal For entire and permanent loss of sight of both eyes, the principal sum. For entire and permanent loss of sight of one eye, one-fourth the principal sum. For loss of life, fifteen hundred dollars (the principal sum of this policy).

sum.

Except that, for such accidental loss of life from drowning, or caused wholly or in part from septic poisoning whether or not induced, following, or in any way connected with prior or existing disability, other poisoning, inhaling of gas or vapor, freezing or sunstroke, the association will pay one hundred dollars ($100).

D. If immediately and totally disabling injuries described in Clause A shall be received by the insured (1) while riding as a passenger in any public conveyance propelled by steam, cable or electricity (including passenger elevators) and in consequence of the wrecking thereof, or (2) while a guest in any public hotel, or a spectator in any theatre or one of the congregation of any church, and while, in consequence of the burning thereof, attempting to escape therefrom, the association will pay, in lieu of all and any other benefits, and for a period not to exceed ten weeks, a special indemnity of fifty dollars for each entire week of total disability.

E. The association will pay at the rate of six dollars for the first week, and at the rate of twelve dollars per week (including the fractional part of a week) during the remainder of the period that the insured is totally disabled and absolutely, necessarily confined within his house by sickness with a pronounced disease and therein regularly visited by a qualified physician, and the sum of six dollars for each entire week of total disability continuing after such confinement, and requiring the care of a qualified physician; provided that a disability to be recognized under this Clause E shall necessitate at least seven consecutive days of such confinement within the house.

F. Disability resulting wholly or in part from septic poisoning whether or not induced, following, or in any way connected with prior or existing disability, other poisoning, inhaling of gas or vapor, freezing, sunstroke, any strain, or from injuries not immediately disabling, shall be classified as sickness, and the provisions contained in Clause E shall apply.

G. If this policy shall have been in force for a continuous period of twelve months immediately preceding the beginning of a disability for which claim is made, the amounts named in clauses A, B or E will be increased ten per cent. The weekly indemnities provided by this policy, collectively, shall not cover periods of disability exceeding sixty (60) weeks in the aggregate. The term, "total disability," whenever used in this policy, shall mean inability to perform any of the duties of any and every kind of business or occupation.

H. The insured shall at all times exercise due care and diligence for his personal safety and protection; he shall from the commencement of and during disability employ the personal attendance of a graduate from a reputable college of medicine; and, in case of injury affecting the lower limbs, shall, to hasten recovery, give them absolute rest.

I. If notice of disability is not given as required, in clauses 4 and 5 of the "standard provisions," the claim shall not be invalidated thereby except that the date on which notice is actually mailed to the home office shall be considered as the date of the beginning of the disability.

J. During the continuance of disability, reports and affidavits giving information concerning the disability of the insured shall be furnished as requested by the home office. Failure to comply with such a request shall forfeit the insured's right to indemnity for any period of disability existing thereafter, unless he shall show that such compliance was not reasonably possible. The acknowledgment by the association of the receipt of notice given under this policy, or the furnishing of forms for filing proof of loss, or the acceptance of such proofs, or the investigation of any claim thereunder, shall not operate as a waiver of any of the rights of the association in defense of any claim arising under this policy.

K. Indemnity shall not be payable for any death or disability that results, wholly or in part, from the insured's use of, or being or having been under the influence of, intoxicating liquors or narcotics, or from fighting, rioting, strikes, war, or from voluntary exposure to unnecessary danger.

L. The indemnity for disability resulting, wholly or in part, from rheumatism or tuberculosis shall be one-half the amount provided for sickness.

M. Indemnity shall not be payable for any disability or death which shall be caused by accident received prior to date of this policy, nor for any disability which shall be caused by sickness or ailment commencing prior to the expiration of thirty (30) days from the date of this policy.

N. No assignment of this policy or any claim arising thereunder and no waiver, alteration or change of any of its provisions, conditions, definitions or limitations, shall be valid unless approved in writing by the president or secretary of the association, and such approval endorsed hereon.

O The premium on this policy shall be four dollars per quarter, payable in advance on or before the fifteenth day of January, of April, of July and of October in each year and this policy is issued upon the express condition that when the insured shall have reached the age of sixty-five years his quarterly premium shall be twice the amount above named, or the insured may at his option continue this policy at the same premium as before paid, but in that event the weekly indemnities provided for in this policy shall be decreased one-half, I case of failure to make such payment this policy becomes void, but the