July 27, 1944

SC

Robert Fair

Social Credit

Mr. FAIR:

I commend the government for bringing in this -measure but I think it might be improved along the lines suggested by the hon, member for Brantford City, the hon. member for Lambton West, -the hon. -member for Cape Breton South, and the hon. member for Fraser Valley. The minister realizes that there are in the forces men who joined up immediately after coming out of school. They

Veterans' Insurance

have had no experience in earning a livelihood and very many of them will not have any money to get married and to do a great many of the other things they would like to do. Insurance is one of the things they will put aside for the time being. I recommend that the time be extended even beyond the five-year period suggested by the hon. member for Davenport. The experience of the last war has taught us that men were in too big a rush to get out of the army and into some form of employment so that they neglected a number of things they found necessary ten or fifteen years later. If it is not possible to have the act extended I suggest that the old act be amended immediately so that the men of the first great war may be given the protection that is being provided for the veterans of this war.

Topic:   QUESTIONS PASSED AS ORDERS FOR RETURNS
Subtopic:   VETERANS' INSURANCE
Sub-subtopic:   PROVISION OF LIFE INSURANCE FOR VETERANS OF THE PRESENT WAR
Permalink
CCF

Percy Ellis Wright

Co-operative Commonwealth Federation (C.C.F.)

Mr. WRIGHT:

I do not wish to repeat anything that has already been said by others and I heartily agree with what hon. members have submitted to the minister. Has the minister any figures to show the percentage of veterans under the old act who took out insurance during the first two years as compared with those who took it out later?

Topic:   QUESTIONS PASSED AS ORDERS FOR RETURNS
Subtopic:   VETERANS' INSURANCE
Sub-subtopic:   PROVISION OF LIFE INSURANCE FOR VETERANS OF THE PRESENT WAR
Permalink
LIB

Ian Alistair Mackenzie (Minister of Pensions and National Health)

Liberal

Mr. MACKENZIE (Vancouver Centre):

The figures are these:

Year Number Amount1920- 1921

2,371 $ 7,074,0001921- 1922

7,456 17,874,5001922- 1923

9,725 22,083,5001923- 1924

14,025 28,696,500

In 1924-1925, 1925-1926, 1926-1927, 1927-1928,

no applications were received.

Year Number Amount1928- 1929

4,035 $9,869,0001929- 1930

3,407 7,967.5001930- 1931

1,672 3,801.5001931- 1932

1,373 3,210,5001932- 1933

1,450 ' 3,116,0001933- 1934

2,802 5,598,0001934- 1935

4 8,500

That must have been very unusual applications after the act closed.

Topic:   QUESTIONS PASSED AS ORDERS FOR RETURNS
Subtopic:   VETERANS' INSURANCE
Sub-subtopic:   PROVISION OF LIFE INSURANCE FOR VETERANS OF THE PRESENT WAR
Permalink
CCF

Percy Ellis Wright

Co-operative Commonwealth Federation (C.C.F.)

Mr. WRIGHT:

The figures quoted by the minister prove- the points of members who have been speaking, that this grew in popularity from year to year as the soldier realized the benefits under the act.

Topic:   QUESTIONS PASSED AS ORDERS FOR RETURNS
Subtopic:   VETERANS' INSURANCE
Sub-subtopic:   PROVISION OF LIFE INSURANCE FOR VETERANS OF THE PRESENT WAR
Permalink
LIB

Ian Alistair Mackenzie (Minister of Pensions and National Health)

Liberal

Mr. MACKENZIE (Vancouver Centre):

In the first five years the total of the members which I read in detail was 33,577, and in the last six years the total was 14,743.

Topic:   QUESTIONS PASSED AS ORDERS FOR RETURNS
Subtopic:   VETERANS' INSURANCE
Sub-subtopic:   PROVISION OF LIFE INSURANCE FOR VETERANS OF THE PRESENT WAR
Permalink
CCF

Percy Ellis Wright

Co-operative Commonwealth Federation (C.C.F.)

Mr. WRIGHT:

But there was a period in between in which it was dropped.

Topic:   QUESTIONS PASSED AS ORDERS FOR RETURNS
Subtopic:   VETERANS' INSURANCE
Sub-subtopic:   PROVISION OF LIFE INSURANCE FOR VETERANS OF THE PRESENT WAR
Permalink
LIB

Ian Alistair Mackenzie (Minister of Pensions and National Health)

Liberal

Mr. MACKENZIE (Vancouver Centre):

Yes.

Topic:   QUESTIONS PASSED AS ORDERS FOR RETURNS
Subtopic:   VETERANS' INSURANCE
Sub-subtopic:   PROVISION OF LIFE INSURANCE FOR VETERANS OF THE PRESENT WAR
Permalink
CCF

Percy Ellis Wright

Co-operative Commonwealth Federation (C.C.F.)

Mr. WRIGHT:

And as a result the publicity would naturally be less with regard to the scheme, I really think, after the figures the minister has given, that he should seriously consider lengthening the period, if not eliminating it altogether. Under the scheme, can the beneficiary elect to receive an annuity instead of a cash benefit at the death of the insured?

Topic:   QUESTIONS PASSED AS ORDERS FOR RETURNS
Subtopic:   VETERANS' INSURANCE
Sub-subtopic:   PROVISION OF LIFE INSURANCE FOR VETERANS OF THE PRESENT WAR
Permalink
LIB

Ian Alistair Mackenzie (Minister of Pensions and National Health)

Liberal

Mr. MACKENZIE (Vancouver Centre):

It is all by way of annuity except for the cash amount payable at death.

Topic:   QUESTIONS PASSED AS ORDERS FOR RETURNS
Subtopic:   VETERANS' INSURANCE
Sub-subtopic:   PROVISION OF LIFE INSURANCE FOR VETERANS OF THE PRESENT WAR
Permalink
CCF

Stanley Howard Knowles (Whip of the Co-operative Commonwealth Federation)

Co-operative Commonwealth Federation (C.C.F.)

Mr. KNOWLES:

But it is payable only at death.

Topic:   QUESTIONS PASSED AS ORDERS FOR RETURNS
Subtopic:   VETERANS' INSURANCE
Sub-subtopic:   PROVISION OF LIFE INSURANCE FOR VETERANS OF THE PRESENT WAR
Permalink
CCF

George Hugh Castleden

Co-operative Commonwealth Federation (C.C.F.)

Mr. CASTLEDEN:

How many policies have lapsed under the agreement?

-Mr. MACKENZIE (Vancouver Centre):

I put that on Hansard the other day. My hon. friend asked sc question about it and I replied almost immediately, but he had left the chamber in the meantime. It is on Hansard.

Topic:   QUESTIONS PASSED AS ORDERS FOR RETURNS
Subtopic:   VETERANS' INSURANCE
Sub-subtopic:   PROVISION OF LIFE INSURANCE FOR VETERANS OF THE PRESENT WAR
Permalink
NAT

George Stanley White

National Government

Mr. WHITE:

I concur in what the various soldier members have said about the period for which the act is set. The minister, replying to one question, stated that it was only for a short period because they wanted the returned veterans to take out insurance while very young. Section 6 sets out who the beneficiaries are to be. The average soldier returning from overseas, if unmarried, is not going to be in very good financial circumstances, and if he can take out only a policy that is payable to his future wife and children he is not going to be very specially interested in insurance. We can take the minister's own example. When he came back from overseas, if he could only take out a policy payable to his future wife and children, he would not have veen very likely to take one. But as the years go by and the financial circumstances of a soldier improve "he may want to get married, and one of the first things he will wish to do will be to protect his wife and any children there may be.

Topic:   QUESTIONS PASSED AS ORDERS FOR RETURNS
Subtopic:   VETERANS' INSURANCE
Sub-subtopic:   PROVISION OF LIFE INSURANCE FOR VETERANS OF THE PRESENT WAR
Permalink
LIB

William Ross Macdonald

Liberal

Mr. MACDONALD (Brantford City):

The minister may w^nt to do that yet.

Topic:   QUESTIONS PASSED AS ORDERS FOR RETURNS
Subtopic:   VETERANS' INSURANCE
Sub-subtopic:   PROVISION OF LIFE INSURANCE FOR VETERANS OF THE PRESENT WAR
Permalink
NAT

George Stanley White

National Government

Mr. WHITE:

We all hope so. Perhaps the baby bonus will induce him to do so. But the period of time may have lapsed and the soldier will not be entitled to take advantage of the act. The minister says that he wants the returning soldier to take advantage of it as soon as he comes home, and while he is young, but there is no inducement there for him to do so because it is payable only to his future wife and children. I think it should be extended because of that point alone; and when the soldier does marry it is not too late for him to take advantage of it.

Veterans' Insurance

Topic:   QUESTIONS PASSED AS ORDERS FOR RETURNS
Subtopic:   VETERANS' INSURANCE
Sub-subtopic:   PROVISION OF LIFE INSURANCE FOR VETERANS OF THE PRESENT WAR
Permalink
LIB

Ian Alistair Mackenzie (Minister of Pensions and National Health)

Liberal

Mr. MACKENZIE (Vancouver Centre):

May I reply to the hon. member for Yorkton. He asked for the number of policies that had lapsed. Up to March 31, 1943, the number was 53,288, and the amount was $122,016,470.24. The lapses for 1943-44 were 361, the total amount $859,395.48 or a total of 53,589 with a valuation of $122,875,865.72.

Topic:   QUESTIONS PASSED AS ORDERS FOR RETURNS
Subtopic:   VETERANS' INSURANCE
Sub-subtopic:   PROVISION OF LIFE INSURANCE FOR VETERANS OF THE PRESENT WAR
Permalink
NAT

George Stanley White

National Government

Mr. WHITE:

,When a policy lapsed under the old act after it had been carried on for a number of years what happened?

Topic:   QUESTIONS PASSED AS ORDERS FOR RETURNS
Subtopic:   VETERANS' INSURANCE
Sub-subtopic:   PROVISION OF LIFE INSURANCE FOR VETERANS OF THE PRESENT WAR
Permalink
LIB

Ian Alistair Mackenzie (Minister of Pensions and National Health)

Liberal

Mr. MACKENZIE (Vancouver Centre):

There is a special provision in the old act that deals with that.

Topic:   QUESTIONS PASSED AS ORDERS FOR RETURNS
Subtopic:   VETERANS' INSURANCE
Sub-subtopic:   PROVISION OF LIFE INSURANCE FOR VETERANS OF THE PRESENT WAR
Permalink
NAT

George Stanley White

National Government

Mr. WHITE:

Take a policy of $5,000 that a veteran had carried for ten years. Something happened and it lapsed. What benefit would he get out of that? Would he get anything?

Topic:   QUESTIONS PASSED AS ORDERS FOR RETURNS
Subtopic:   VETERANS' INSURANCE
Sub-subtopic:   PROVISION OF LIFE INSURANCE FOR VETERANS OF THE PRESENT WAR
Permalink
LIB

William Ross Macdonald

Liberal

Mr. MACDONALD (Brantford City):

While the minister is looking up that information I should like to give some information from my own experience, because I have had experience of policies lapsing from time to time. If I recall correctly what happens, after my policy lapsed I would receive a notice from the department of insurance advising me that it had lapsed and if I did not pay the premium within a certain time I would get a paid-up policy. If a soldier allowed his policy to lapse and did not pay the premium for a certain number of months-I am not sure of the number-he would have to go to a doctor, if he had been ill, and be examined, or else he would have to make a statement that he had not had any illness.

Topic:   QUESTIONS PASSED AS ORDERS FOR RETURNS
Subtopic:   VETERANS' INSURANCE
Sub-subtopic:   PROVISION OF LIFE INSURANCE FOR VETERANS OF THE PRESENT WAR
Permalink
LIB

Ian Alistair Mackenzie (Minister of Pensions and National Health)

Liberal

Mr. MACKENZIE (Vancouver Centre):

I understand the practice is that the proportion of the insurance which is covered by the premium actually paid would be payable, but not the whole amount of the policy.

Topic:   QUESTIONS PASSED AS ORDERS FOR RETURNS
Subtopic:   VETERANS' INSURANCE
Sub-subtopic:   PROVISION OF LIFE INSURANCE FOR VETERANS OF THE PRESENT WAR
Permalink

July 27, 1944