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U. S. DEPARTMENT OF LABOR

CHILDREN’S BUREAU
JULIA C. LA T H RO P, Chief

CARE OF DEPENDENTS OF
ENLISTED MEN IN CANADA
BY

S. HERBERT WOLFE

M ISCELLANEOU S SERIES No. 10
Bureau Publication No. 25

WASHINGTON
GOVERNMENT PRINTING OFFICE
1917

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ADDITIONAL COPIES
OF THIS PUBLICATION M AT BE PROCURED FROM
THE SUPERINTENDENT OF DOCUMENTS
GOVERNMENT PRINTING OFFICE
■WASHINGTON, D. C.
AT

10 CENTS PER COPY

V


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U S*«&

LETTER OF TRANSMITTAL.
U. S. D epartment

of L abor,
Children ’s B ureau ,

Washington, D. C., May 26, 1917.
Sir : The following report especially authorized by you upon the

care given to the dependents of enlisted men has been prepared by
an actuary of recognized authority, Mr. S. Herbert Wolfe, of New
York, who visited Canada for that purpose. Mr. Wolfe discusses
especially public provisions. In general, the methods described by
him are capable of extension and adaptation into a complete system.
The provision for the insurance of the lives of soldiers is unique. I t
is important to enlist the skill of experts on the various social and
economic matters involved, and such skill is absolutely indispensable
if the development of an insurance system is undertaken.
In the 50 years since the Civil War, legislation affecting the family
and its economic status has shown marked growth. Mothers’ pen­
sion laws and minimum-wage laws are recognized examples, and it is
acknowledged that their result has not been to pauperize but dis­
tinctly to improve the power of the family to protect itself. In view
of this tendency it is to be expected that a system of compensation
for soldiers and sailors can be developed whereby the Government
will make possible for their children the home life and parental care
which are the common need of every child.
This report is accompanied by appendixes containing copies of
laws, orders, forms, etc., used in Canada in connection with the care
of Canadian soldiers and their dependents.
Respectfully submitted.
J ulia C. L athrop, Chief.
Hon. W illiam B. W ilson,
Secretary of Labor.
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CARE OF DEPENDENTS.
The existence of an army in time of war not only brings with it the
necessity of looking after the needs of the combatants but also pre­
sents an economic problem in that their dependents must, be shielded
from any undue hardships caused by the military service of the bread­
winner.
The clear intent running through the recently enacted draft legis­
lation is to exempt from service those between the ages of 21 and 30
in a status with respect to persons dependent upon them for sup­
port.
Theoretically this should dispose of the dependency prob­
lem, but in practice relief will have to be provided from some sources—
either governmental or private—if the physical suffering of the
dependents is to be prevented. For example, at the present time the
■civilian relief committee of the New York County Branch of the
American Red Cross is looking after 110 families, dependents of
enlisted men in the United States Army, United States Navy, and
one of the National Guard regiments; in the last-named organization
the colonel has made application for the discharge of some of those
who have dependents but as yet no final action has been taken, and
in the meantime relief must be given to those requiring it; in all like­
lihood the necessity for this relief will continue, for some of the
national guardsmen having dependents will not be discharged, and no
discharge is contemplated for the enlisted men of the Regular Army
and the Navy. In all probability th at condition will be duplicated
in other localities, and, unless our experience is exceptional, depend­
ents not existent or forgotten at the moment of enlistment will make
their appearance from time to time; they can not be ignored or
neglected, and some provision must be made for them.
The war in which we are now engaged was begun nearly three years
ago, and in consequence the experience of the other participants will
be of value to us. I t becomes advisable, therefore, to consider the
methods adopted by them in caring for dependents of enlisted men.
I t may be stated as a broad general proposition th at every other
nation in the war grants benefits in varying degrees to dependents
(the destruction of property in Belgium and the occupation of her
territory by the enemy has temporarily halted her efforts), but the
5

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6

GARE OF D E PE N D E N T S

standards of living differ so radically from ours in nearly all of them
that we can derive but little benefit from a study of their methods.
In Canada, however, we find a situation more nearly comparable to
our own, and it will be of interest, therefore, to examine the system
followed there.
In Canada the assistance received by the dependents of officers and
enlisted men in the expeditionary force may be considered under two
divisions:
I. Benefits payable while in service.
II. Benefits payable after discharge.
D lV IS IO lf I. BENEFITS PAYABLE W HILE IN SERVICE.

The dependents of an enlisted man while he is in the service will
¡receive assistance from four sources.
A. Assigned fa y .—Enlisted men are required to assign at least onehalf of their pay (not including the field allowance) at the time of
their enlistment and are permitted to assign not more than 20 days’
pay in each month. The assigned pay of a private receiving daily
pay of $1 amounts, therefore, to $15. The assignment is made by an
order obtained at the time of enlistment upon a blank form which is
then filed with the appropriate branch at militia headquarters,
Ottawa, and automatically the portion of the pay indicated is sent to
the dependent each month by that branch.
In order th at an idea may be obtained of the pay and allowances
of the Canadian expeditionary force, the amounts are set forth in
detail in Appendix I.
Officers are not required to assign any definite part of their pay.
B. Separation allowance.—In addition to the assigned pay referred
to in “ A,” the dependent becomes entitled to further governmental
assistance in the form of a separation allowance which lias been
granted by the Canadian Government to the dependents of volun­
teers serving in the Canadian overseas contingents, as follows:
Per month.

Privates...................
Sergeants.................
Warrant officers.......
Lieutenants.............
Captains...................
Majors.......................
Lieutenant colonels

........$20

.....
........
........
........
........
........

25
30
30
40
50
60

I t will be noted that this is a flat allowance irrespective of the needs
of the beneficiary. The childless wife and one with a number of
children will both receive the same separation allowance. This is
handled in what would seem to be a more logical manner in the
British Army, the Imperial Government making a separation allow
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OF E N L IS T E D M E N I N CANADA.

ance to the families of British Army reservists residing in Canada on
the following monthly basis:1
Regi­
mental
Private
Color
quarter­ Warrant
Sergeant. sergeant.
and
officer.
master
corporal.
sergeant.
$11.66
15.38
19.06
22.86
25.78

$11.66
15.90
20.29
24.56
27.65

$13.52
17.81
22.10
26.39
29.46

$19.06
23.31
27,65
31.93
35.01

$20.27
24.56
28.86
33.19
36.22

N. B.__The above rates do not include allotments from soldiers’ pay. The same idea is carried out in
the French and Italian Armies, for the separation allowance is based upon the size of the families.
An increase of $3.08 per month for each additional child is allowed.

C.
Life insurance.—In certain localities in Canada families of en­
listed men are protected by life insurance the premiums on which
are paid by the municipalities in which the soldier resided at the
time of his enlistment. These policies have been issued by com­
panies domiciled in the United States (except in Toronto, to which
reference is made later), and different methods have been followed
for the distribution of benefits. In some localities the proceeds have
been payable at once to the beneficiaries of the deceased or to his
estate without regard to their necessities, while in other localities the
proceeds have been pooled and divided among the beneficiaries who
needed the protection. In the city of Toronto, however, about onefourth of the insurance protection has been issued by insurance com­
panies and the balance is being provided by the city of Toronto
itself, which has started an insurance bureau for the purpose. The
right of the city to perform this function is granted by clause (f)
of section 1 of 5 George V, chapter 37, Statutes of Ontario (see Ap­
pendix II of this report), which authorized any municipal corpora­
tion to pass by-laws to—
Insure the lives for the benefit of dependents of officers and men, residents of the
municipality, who during the present war may be on active service with the naval
and military forces of the British Empire and Great Britain’s allies.

The city of Toronto passed the necessary by-law and has issued
$2,000,000 of bonds for war purposes, payable in 10 annual install­
ments and carrying interest at the rate of 5 per cent per annum pay­
able half yearly; the charge of principal and interest is a charge upon
the general taxpayers of the city. Every officer or enlisted man
residing within the city limits who volunteers for overseas service
has from the date of his enlistment been protected by a life insurance
policy of $1,000, the protection running from the time of his enlist­
ment to his death or six months after his discharge or resignation.
Application for this protection is made upon a blank form (Appendix
i Although the payment is made on a weekly basis, the monthly equivalent is given.


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CARE OF D E P E N D E N T S

III), and at tlie time of investigation (May 14, 1917) the issued insur­
ance was divided as follows:
State Life Insurance Go. (Indianapolis).................................................... .
$262,000
Aetna Life Insurance Co. (Hartford)— ........................................................... 1,100,000
Metropolitan Life Insurance Co. (New York)................................................. 8, 638,000
Carried by the city of Toronto............................................................................ 32, 297,000
Total................................ ......................................................................‘. . . 4 2 , 297, 000

Originally the city planned to obtain all of this coverage from duly
organized insurance carriers, and the minutes of council authorizing
such coverage and the terms of the same are set forth in detail in
Appendix IY. The policies were issued without medical examina­
tion other than the examination made by the military authorities at
the time of enlistment. The mortality experience led the companies
to decline to continue further coverage on the same basis, and in
consequence the city itself has issued the large amount of protection
indicated. The following death claims to the date of investigation
have been paid:
State Life Insurance Co.............................................................................................. $8, 000
Aetna Life Insurance Co.......................................... ........................................ ......... 88, 000
Metropolitan Life Insurance Co....................................................... .............. .
712,000
City of Toronto........................................................................ \.................................... 930, 000

An interesting modification of the usual practice of insurance com­
panies has been required by the exigencies of the service, and all
companies transacting life-insurance business in Canada are required
to accept official certificates of death or presumption of death issued
by the Department of Militia and Defense as satisfactory proof of
death of the insured under any policy of life insurance issued on the
life of an enlisted soldier resident in Canada at the time of enlistment;
if such policyholder should subsequently prove to be alive and the
beneficiary fail to refund the amount of the payment to the company,
the company is reimbursed by the Dominion Government by pay­
ment out of the consolidated revenue fund under the provisions of
the war appropriation act to the extent by which the amount of such
payment made to the beneficiary exceeds the actuarial reserve main­
tained by the company at the date of the payment. (Appendix V.)
The form of the certificates of death and assumption of death are
shown in Appendix VI.
In order to protect itself against improper payments the city of
Toronto requires each beneficiary to execute an undertaking (Appen­
dix VII), agreeing that in the event of the insured being alive, or on
it being shown that he was not a resident of the city of Toronto, a
refund will be made. I t is interesting to note that while at first the
city paid the principal sum to the beneficiary in one sum, it soon
became evident that such a course was inadvisable and led to ex­
travagant and ill-considered disbursements. At the present time,
therefore, an investigation of the circumstances of the dependents is
made by a committee of officials which recommends how the amount

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OP E N L IS T E D M E N I N CANADA.

9

should be paid ; in most cases the amount is paid in monthly install­
ments of $30 each, and the city allows interest at the rate of 4 | per
cent per annum on the unpaid balance. In exceptional cases, how­
ever, this rule is modified, and if the beneficiary require the principal
sum to pay off or reduce a mortgage or to enable her to be placed in
funds to start in business the entire amount is paid at once.
So far only one action has been brought against the city. This
was the case of a soldier who worked in the city but who did not live
within its limits. Although the policy had been issued, the city
claimed under the contract that no contractual relations existed,
as it was not the intention of the city or the insurance company to
accept nonresidents, and therefore the issuance of the policy was in „
error. The court sustained the contention of the city officials and no
appeal has been taken.
At the present time it is impossible to obtain any reliable mortality
statistics, as no record has been kept of the amounts exposed.
D.
Canadian Patriotic Fund.—This organization was incorporated
in August, 1914, by the Dominion legislature (Appendix VIII) for
the purpose of “ rendering financial assistance to the dependent rela­
tives of men engaged on active service with the military and naval
forces ®f the British Empire and its allies.” I t is intended that this
assistance shall be given to families who are in need of it and whose
income from all sources (including the assigned pay and separation
allowance) is insufficient to enable them to live according to a stand­
ard which would produce a reasonable amount of comfort, although
not necessarily upon a scale identical with that which existed before
the soldier left his family.
Although the various activities of the Canadian Department of
Militia work in harmony with the fund and furnish it promptly with
the necessary data for its successful administration, the Government
neither directs nor exercises any control over the disbursements,
although the auditor general of Canada audits the accounts annually.
The funds are supplied from three sources:
(а) From voluntary contributors.
(б) From annual grants made by some of the Provinces of Canada.
(c) By grants from cities, counties, and similar political subdi­
visions.
The authority for the payments by (b) and (c) is obtained by 5
George V, chapter 37 (Appendix II of this report), 6 George V, chapter
40 (Appendix IX of this report), and 7 George V, chapter 41 (Appen­
dix X of this report).
The head office of the fund a t Ottawa has made a careful survey
of the financial conditions surrounding each town and county in the
Dominion and, after preparing a budget of probable disbursements,
has assigned to each of these divisions the amount which ought to
be raised by it. The actual raising and collecting of the funds is in
101899°—17------2

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CARE OF D E P E N D E N T S

the hands of local bodies or committees. For example, the associa­
tion having jurisdiction over the administration of the fund in
Toronto is known as “ The Toronto and York County Patriotic Fund
Association.” These local associations adopt such rules as appear
necessary for the proper administration of their trust; and the fund,
by thus placing the administration in the hands of those familiar
with the needs of the beneficiaries, has succeeded in having the fund
administered with an efficient sympathy devoid of all red tape and
waste.
In wise recognition of the fact that the cost of living differs in
different localities, the head office has provided a standard scale,
which, while correct for large cities like Montreal and Toronto, can
properly be reduced in those localities where living is less expensive.
The schedule in force at the time of investigation is shown in Appen­
dix X I. The practical effect of this schedule is that the wife of a
private having three children between the ages of 10 and 15 would
receive the following monthly allowance, upon the assumption that
he assigned the minimum portion of his pay allowed:
From the assigned pay of the private... .........................................................................$15
As separation allowance................................................................................................. .. 20
From the Canadian Patriotic Fund..................... ........................................................... 25
Total.............................. ..........................1.............................. ................................

60

The allowance at this figure continues as long as the soldier remains
in the overseas service or until some change in his status or that of
the family takes place, such as his change in rank, the death of a
child, or the passing of a child beyond the age of 15. By means of
visiting committees operating under the jurisdiction of the local
associations, supervision over the family is constantly exercised; if
it be found that the mother is failing to provide properly for the
children or is leading an immoral life or is no longer in need of assist­
ance, the evil is corrected or the payment from the fund is stopped.
With a fine sense of justice the head office has ruled that while
the schedule above (Appendix XI) is the normal one which applies
to British reservists, it is not intended to apply to those Canadians
who are serving with the French, Belgian, or Italian Armies. In
those cases the separation allowance is less than that granted by the
Canadian Government, and in consequence the grant from the
Patriotic Fund to those serving in the armies of the allies is increased
to the point where the wife and family are piit in possession of a
sufficient amount to insure the standard of living which the head
office has established as the normal one.
While the local bodies have charge of the soliciting and the col­
lecting of contributions, the officials a t the head office counsel with
the local authorities, suggest effective means of campaigning,
assign skilled organizers to conduct the campaigns, and furnish
appropriate advertising literature. Some idea of the extent to which

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OF E N L IS T E D M E N I N CANADA.

collections and disbursements have been made from September 1,
1914, to April 20, 1917, may be gathered from the following exhibit:
Receipts in the Dominion of Canada......................................................... $22,981,615. 51
Disbursements................................................................................................. 16, 875, 634. 32
Amount on hand for future distribution.......................................

6,105, 981.19

The contributions reflect the size of the localities, their popula­
tion, their prosperity, and the intensiveness with which the cam­
paigns have been conducted. An idea of the amounts collected
from the start of the fund to April 30, 1917, by four localities taken
at random can be gathered from the following schedule:
Locality.

.

Disburse­
ments.

Receipts.1
$120,512.40
5,040,245.09
3,885,892.14
56,951.62

$42,600.00
1,878,338.10
3,050,619.57
44,869.34

1 The amounts shown in this column represent the amounts which have been collected and forwarded
by the branches to the head office. They do not represent the amounts which have been collected by the
branches and being held there, or the amounts which have been pledged by the different communities.

. In Toronto, for instance, three campaigns were made, one in
September, 1914, which raised about $1,000,000, the subscriptions
providing that payments were to be made in five installments, the
first at the time of subscription and the subsequent ones each 6
months for 24 months; the second campaign, in January, 1916,
raised about $2,500,000, payable one-tenth at once and one-tenth
upon the first of each succeeding 9 months; the third campaign,
started in January, 1917, raised about $3,300,000, payable in the
same way as the second campaign. I t will be seen, therefore, that
the total subscriptions amounted to practically $7,000,000, although
the amount shown in the receipt column above is about one-half of
that figure, due to the fact that most of the 1917 subscriptions have
not yet been received.
The Montreal branch shows a financial statement as of March 31,
1917, equally as remarkable and indicative of the results which may
be obtained by intensive work, as follows:
Campaign 1914, subscriptions and pledges...................... $1,615, 906.16
Campaign 1916, subscriptions and pledges. ................. 2, 506, 784. 04
Campaign 1917, subscriptions and pledges...................... 3, 823,395.19
Total subscriptions___
Interest on bank deposits___

$7,946,085. 39
77, 854. 50

Total receipts................
Deduct:
Expended in relief..........
Administration expenses.
Remitted to Ottawa........

8,023,939. 89

Balance

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$1, 741,277. 96
58,560. 00
1,015, 338. 02
------------------- $2,815,175.98
5,208, 763. 91

12

C A R E 'O P D E P E N D E N T S

One thing must be carefully borne in mind. While the local
bodies collect the funds they do not disburse the collections which
they have made, for after being deposited in the bank the funds are
subject to withdrawal only upon the authority of the head office.
Each month the local body forwards to the head office a requisition
sufficiently large to cover its estimated budget for the next month,
and, if approved, the head office places to the credit of the local
body the amount asked for and from this account the local bodies
issue checks to the beneficiaries. On or before the 15th of the follow­
ing month a detailed statement of disbursements is submitted,
showing the payments made to the beneficiaries and giving all of
the data necessary to enable the head office to check completely
the disbursements. By this effective supervision tbe greatest
economy of administration has resulted, which, combined with the
unselfish services of public-spirited men and women, has enabled
the fund to meet all of its administration expenses by the interest
which has been allowed upon tho deposits by the banking institutions.
Practically every cent collected from contributors, therefore, has
gone or will go to the relief of dependents and none has been spent
for administrative purposes.
The Canadian Patriotic Fund and its method of administration
would seem to have had a beneficial effect upon every side of Canadian
life which it has touched. I t has furnished a great incentive to en­
listment, as cases in which men have come to the local office of the
fund to inquire what the fund will do for their families should
they enlist have been so frequent as to justify the belief th at no
small part of the patriotic response to the call for enlistment upon the
part of the Canadians can be traced to the fund; it has benefited the
soldier in the field, for its existence enables him to enjoy the peace
of mind which comes from knowing th a t his dependents are looked
after while he is away; it benefits the family who receives the grant,
not only from the point of view of intensive welfare work, but also
because the beneficiaries are made to realize th at the Canadian
Patriotic Fund grant is not a charity but represents the amount which
is justly theirs while the breadwinner is fighting for his country;
it benefits those who contribute, for it enables them to feel th at even
though they can not be on the firing line they are performing a
service to their country; and lastly, it benefits those who are engaged
in the administration by permitting them to enjoy the elevating
influence attached to this form of social service work.
DIVISION II. BENEFITS PAYABLE AFTER DISCHARGE.

In a broad general way it may be stated th at the benefits payable
to dependents after the discharge of the enlisted man arise from two
sources only.

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A, Pension payments.—In dealing with the subject of pensions the
term “ discharge” used above is intended to include the payments
which will be made to dependents, not only upon the death of the.
enlisted man in action, but as a result of disability received a t that
time but not causing his death until after his discharge. A proper
consideration of this matter necessitates a general view of the pension
system in vogue in Canada. The scale of pensions a t present in use is
as follows:
.

xoaiiy.

Rank and file................. ........................................................................................
J | 4go
Squad, battery, or company sergeant major................ ..............................................
510
Squad, battery, or companyquartermaster sergeant............ .........
510
Color sergeant.................................................... . . . . . . ......... ........................................
510
Sergeant..............................................................
520
Staff sergeant.....................................................
510
620
Regimental sergeant major, not warrant officer....... ........ .................. j ..............
Master gunner, not warrantofficer..................................
620
Regimental quartermaster sergeant..................^......................................................
620
Warrant officer........................................................................................
680
lieutenant.......................................................................................................
720
Capkd11........................................... - ................................................................... . . . . . ’ ! 1,000
Mai°r--.........-........ ...............................................................................................
1,280
Lieutenant colonel.................................................. .....................................
1 560
Co)onel............................ .............................. ............................................ ............ ........ 1,890
Brigadier general.......................... ................................................................................... 2, 700

The administration of pensions is intrusted to the board of pension
commissioners, consisting of three members appointed by the govern­
ing council.
Those who are entitled to be awarded pensions are divided into six
classes as follows :
® ass-

1-

Degree of disability.

.................................................................. - .........loo per cent.
2—
....... ........ - .......................................................80 per cent and less than 100 per cent.
3 ... ............. ............................................................. 60 per cent and less than 80 per cent.
4 ................................ : ............................................40 per cent and less than 60 per cent.
5 .............................................................................. 20 per cent and less than 40 per cent.
..... ........................................................... ............ Under 20 per cent.

In addition to the above, if the. disabled man held no commission
higher than a lieutenant and requires an attendant to look after his
physical wants, a further yearly allowance is made of an amount not
exceeding $250; an allowance is made of certain payments for each
child (boys until the age of 16 and girls until the age of 17, or if
owing to mental or physical infirmity the child is incapable of
earning a livelihood, the payments are continued to age 21). In
actual operation it has been found that the six classes shown above
were not sufficiently elastic to cover the cases which were presented,
and in the near future a scale of benefits similar to those indicated
in Appendix X II will be adopted.


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CAKE OF D E P E N D E N T S

The question of determining the degree of impairment is of course
important, and the advisability of adopting a standard scale is ob­
vious; for in that way only can uniformity of treatment be obtained
by the various medical examiners in different localities before whom
cases come. The full table of disabilities is shown in Appendix
X III, from which the following typical items are taken:
Per cent.

Epilepsy, fits occurring several times per day........ ................................................... 100
Epilepsy, fits occurring every 2 or 3 w eeks............................................................... .. 50
Loss of 1 eye......................................................................................................................... 33
Loss of tongue................................................................... ........... - .................................... 60
Loss of 1 hand...................................................................................................................... 70
75
Loss of 1 arm above elbow ........................................
Loss of 1 foot.................................................................................
60
Loss of both feet................................................................................................................... 100

Loss of life is of course considered as total disability, 100 per
cent, and in that case the following regulation applies:
If a member of the forces has been killed or has died as the result of injuries re­
ceived, or disease contracted or aggravated while on active service, the widow, until
remarriage, shall be entitled to the equivalent of the pension in Class 2, and also be
entitled to draw the allowance for children. On the remarriage of the widow her
pension shall cease but she shall be entitled then to a gratuity of an amount equiva­
lent to one year’s pension.

The amounts payable to widowed mothers, orphaned children,
and other relations of course differ from those paid to the widow,
and the amounts payable will be found set forth in full in Appendix
XIV, which deals with the present pension system in Canada.
I t may be noted in passing that the entire pension scheme is based
upon the theory that it is the duty of the citizen to offer his services
to the state and that he brings to the state a sound mind and healthy
body and is paid in respect to the disability suffered as such. No
attempt is made to compensate the disabled soldier for inability to
follow his profession before he enlisted. The same benefit is payable
to a postman and to a telegraph operator for the loss of both legs.
Many complaints have been made of the pension scale, and in all
probability it will have to be raised. The original system was based
on an average earning power and estimated expenditure of a man
with three children who would require $700. I t will be noted that
this amount is equaled by the yearly pension of $480 paid to a pri­
vate, together with an allowance of $6 a month for each of the three
children, the total being $696. I t has likewise been felt that an
error was committed in restricting the allowance for children to
classes 1, 2, and 3, and in the new schedule in all probability the
allowance for children will vary with the degree -of disability.
B. Payments during reeducation.—A Military Hospitals Commis­
sion has been organized, consisting of about 20 members who serve
without pay and are appointed by the Federal Government in addi
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OF E N L IS T E D M E N I N CANADA.

15

tion to 9 ex officio members who are representatives of the provin­
cial governments. The incapacitated soldier from overseas is met
on his arrival by a representative of the commission, who attends
to all of the legal formalities (procuring of documents, etc.) in con­
nection with his arrival and in conjunction with the proper medical
and military authorities sees that the disabled soldier is received
in the hospital, home, or sanatorium which is best calculated to pro­
vide him with the most efficient medical treatment. The paramount
idea is to restore the soldier to a condition of health which will per­
mit of his becoming a useful member of society. While he is under
the supervision of the Military Hospitals Commission the soldier is in
receipt of his regular pay and the family still continues to enjoy the
assigned pay, the separation allowance, and patriotic fund assist­
ance, if any. Before being evacuated from the hospital and dis­
charged from the service his case has been passed upon by the board
of pension commissioners and arrangements are made so that the
first pension installment is paid to the man the day that he is dis­
charged. While he has been undergoing medical treatment his case
has been studied in an endeavor to reduce his disability to a mini­
mum before he is discharged; when that takes place he is pensioned,
if entitled to a pension, and if he is unable to follow his previous
occupation he is trained for a new one.
In. each of the districts there is a vocational officer, whose duty it
is to keep track of the man. If it is found necessary to teach him a
new trade, he is surveyed by a disabled soldiers’ training board on
which the vocational officer, a medical officer, and a representative
of the provincial employment commission sit. The recommenda­
tions of this board are forwarded to the Military Hospitals Commis­
sion, and, if the recommendation be approved, a course of instruc­
tion is outlined for the pensioner; while undertaking the course he is
in receipt of the pension, is allowed $8 a month spending money by
the commission, is given his maintenance a t one of its institutions,
or in lieu thereof if he lives a t home is allowed $1 a day. Should he
be a married man there is a further allowance made to his wife,
consisting of the difference between $35 a month and the amount of
the pension paid to him. The commission also makes an allowance
for each child (boys up to the age of 16 and girls up to 17), as follows:
If the children are 10 years of age or over, $7.50 for the first child, $4.50 for the
second child, and $3 for each of the other children.
If the children are below the age of 10 but over 5, the amounts are $4.50 for the
first child and $3 for subsequent children.
If all the children are below the age of 5, $3 is allowed for each child. *

A maximum allowance of $55 a month for the wife and children
(from which is deducted the amount of the pension of the man and
his children) is allowed, so that a man undergoing vocational training

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Federal Reserve Bank of St. Louis

16

CAKE OP D E P E N D E N T S

with a wife and six children might get the following monthly allow­
ances :
Amounts indicated above..................................................................................................$55
Spending money allowance........................... ..................................... - ........................... 8
Maintenance allowance..................... ................................................................................ 30
T otal.................................................. - ........... .........................................................

93

Prom the first item would he deducted whatever pension he was
receiving. This payment is made irrespective of his rank.
I t not infrequently happens that enlisted men have returned from
overseas and when cured have been discharged. Subsequently it
has been found that the man could not work at his usual trade, and
the family would suffer hardships in consequence. There was no
machinery by which the Canadian expeditionary force could reattest
(reenlist) him. I t became necessary, therefore, to procure an order
in council empowering the Military Hospitals Commission to reenlist
the man for treatment instead of for service. In those cases the
man’s pay starts from the date of his reattestation, but if he is a
pensioner his pension ceases from th at date.
As pointed out in the early part of this report, all of the nations a t
war have provided some form of relief for the dependents of the
enlisted men. I t is a matter intimately connected with the welfare
of the soldier and his wife, but it is absolutely necessary to the minor
children. If we are to minimize the bad effects upon future genera­
tions of the hardships which are inevitably connected with the war,
we must take the necessary steps to throw every possible safeguard
around the dependents of the combatants.
Prom the outline of the Canadian system of relief shown above
some idea may be obtained of the angles from which this question
must be considered, and in this connection it must be realized that
it is just as necessary to prepare a scientific pension plan at this
time as it is to provide relief for physical suffering. We have become
accustomed to the use of the term “ pension,” but in reality the
benefits which we aim to grant by this form of relief are closely akin
to the compensation protection which covers industrial workers in
practically every State in the Union. No good reason exists for
failure to recognize the fact th at the soldier in the trenches and the
civilian worker in a munition plant are on an equality when the
question of protection to their dependents is a t issue. If we provide
th at in the event of the death or injury of the munition worker his
family shall receive benefits for a certain period, ought we deny to
the family Df the soldier a similar measure of protection ? There is
an equal necessity for placing the compensation benefits or “ pen­
sions” of the soldier upon a scientific basis as in the case of the
compensation laws applicable to the industrial worker. Every feel­
ing of gratitude and humanity dictates th at a satisfactory—even

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OF E N L IS T E D M E N I N CANADA.

17

liberal—allowance shall be made to the disabled soldier and his
dependents, but sentiment and generosity must be considered when
the plan is formulated and not when individual cases are passed upon.
The latter course must inevitably lead to discrimination, unequal
and unfair awards.
Every avenue of information in Canada was open to me by the
Government officials and the private individuals in charge of the
various phases of the work. They gave generously of their time and
seemed imbued with the idea that they should do all in their power
to prevent us making the mistakes which they did. I t is manifestly
impossible to make suitable acknowledgment of their assistance and
courtesies in this report, but attached hereto is a list of those who
gave me much information.
S. H. W olfe.
May 28, 1917.
101899°—17---- 3


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FROM WHOM INFORMATION WAS OBTAINED.
GOVERNMENT BUREAUS.
A SSIG N ED PA Y AND SE PA R A T IO N A L L O W A N C E .

Mr. R. B. Borden.
Maj. Ingall (general auditor and chief inspector of accounts).
Maj. J. W. Margeson (president board of review of separation
allowances).
Lieut. R. A. Shaw.
Mr. W. F. Kelly.
M IL IT A R Y H O SPIT A L S COM M ISSION.

Mr. E. H. Scammell, secretary.
Mr. Frederick H. Sexton, vocational officer.
Mr. Howard Angus Kennedy.
BOARD O F P E N S IO N C O M M ISSIO N ERS.

Maj. J. L. Todd.
Mrs. Rachael K. Ross.
IN SU R A N C E D E PA R T M E N T .

Mr. George D. Finlayson, superintendent.
MEMBERS OF PARLIAMENT.

Sir Herbert B. Ames.
Hon. William F. Nickle.
CANADIAN PATRIOTIC FUND.

Sir William Mulock, K. C. M. G.
Mr. Angus MacMurchy.
Mr. William C. Noxon.
Miss Helen R. Y. Reid, convener of the Montreal branch.
Mr. John Watt.
Mr. Graydon Butler.
Mr. R. J. Dilworth.
Mrs. R. S. Wilson, regent, Daughters of the Empire.
Mr. Philip H. Morris, secretary.
Lieut. Col. Clarence F. Smith.
18


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CARE OF D E P E N D E N T S OF E N L IS T E D M E N I N CANADA.
CANADIAN RED CROSS SOCIETY.

Lieut. Col. Noel G. R. Marshall.

SSP

OFFICIALS OF THE CITY OF TORONTO.

. William Johnston, city solicitor.
. Thomas Bradshaw, commissioner of finance.
. G. R. Moore, secretary of the insurance department.
MISCELLANEOUS.

Sir William Ralph Meredith, chief justice of Ontario.
Lieut. Col. Vincent Massey.


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Federal Reserve Bank of St. Louis

19


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Federal Reserve Bank of St. Louis

APPENDIX I.
I. CANADIAN EXPEDITIONARY FORCE.
PAY AND ALLOWANCES.
S T A F F.

In Canada there is no Headquarters or Divisional Staff, Canadian
Expeditionary Force.
The responsibility for the organization, administration, etc., of
units of the Canadian Expeditionary Force while in Canada devolves
upon the Permanent Headquarters and District Staff of the Militia,
who continue to receive Pay and Allowances in accordance with the
same scale as before the war. Officers, Noncommissioned Officers,
and Men of the Active Militia (Permanent and Nonpermanent) have
been attached temporarily to the Permanent Staff, as has been found
necessary from time to time, in order to assist the Permanent Staff or
to replace those appointed to the Canadian Expeditionary Force.
S T A F F IN EN G LA N D .
T able 1.

Major General, Commanding Division......................................................
Brigadier General, Commanding Training Division. ! !! !! ! !!.....................
Brigadier General, Staff, Infantry,and Artillery Brigades. . . ! .......
General Staff Officer, 1st Grade....................................................
Assistant Adjutant and Quartermaster General of Division!!!!!!!!!!!!!'
Director of Medical Services....................................................................
Director of Pay and Record Services................................ ! .! ! ! ! ! ! ! ! ! ..........
Assistant Quartermaster General................................................!!!!!!!!!!!
Principal Medical Officer (Army Corps).......................
Chief Paymaster................ .......................................! !.!!!!!!!!!!!!!!!!
Director of Recruiting and Organization...............I.! ! ! ! ! ! ! ! ! ! ! ! ! ! ! ..........
Officer in Charge of Records.............................................................................
Director of Veterinary and Remount Services................... !!!!!!!!!!!!!* !
Director of Supplies and Transport............................. •....................
General Staff Officer, 2nd Grade.................................... ! ! ! ! .! ! ! ! ! ! ! .! ........
Commandant and Chief Instructor of Training Schools! !! !! ! ! ..................
Deputy Director of Medical Services............................................................!
Assistant Director of Medical Services of Division.......................................
Paymaster in charge Overseas Base.................................!.!!!!!!!!!!!!!!!
Chief Ordnance Officer, England........................................................... !!!!"
Deputy Assistant Adjutant and Quartermaster General!!!!!!!!!!!
Deputy Assistant Quartermaster General.....................................................
Deputy Assistant Adjutant General..............................................................
Assistant Director of Medical Services in England......................................
General Auditor................................................................................... !!!!!!!!
Paymaster, Headquarters Training Division Shornciiffe, Bramshott! etc.
Assistant Director Pay Services......................................................................
Director of Chaplain Services..................................................... !.!!!!!!!!!!!
Assistant Director Veterinary Services...............................................!!!!!!!
Assistant Director of Supplies and Transport..................!!!!!!!!!!!!!!!!
Brigade Major........................................................................................ !.!
Assistant Judge Advocate General.................................! ..! ! !! ! !! ! !! !! ! !! !
Instructor of Training Schools................................................... !.!!!!!!!!!!!
Adjutant and Quartermaster of Training Schools...................................... !
Heads of Branches, Pay and Records................ .......................... !.!!!!!!!
General Staff Officer, 3rd Grade..............................................................! .!.!
Assistant Provost Marshal....................................................................!.!.! !!
Deputy Assistant Director of Medical Services............................................ !
Field Cashier, Division....................................................................................
Assistant Director of Chaplain Services.............................................. ! .!.! !!
Deputy Assistant Director of Ordnance Services........................................ !
Staff Captain................................................................. ....................................

Field
allow­
ance.

Staff
pay.
$20.00
12.00
10.00
10.00
10.00
10.00
10.00
9.00
9.00
9.00
9.00
9.00
9.00
9.00
8.00
8.00
8.00
8.00
8.00
8.00
7.00
7.00
7.00
7.00
7.00
7.00
7.00
7,00
7.00
7.00
7.00
7.00
6.00
6.00
6.00
6.00
6.0ft
5.00
5.00
5.00
5.00
5.00

21

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Federal Reserve Bank of St. Louis

$4.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
2.00
2.00
2.00
2.00
2.00
2.00
2.00
2.00
2.00
2.00
2.00
2.00
2.00
2.00
2.00
2.00
1.50
1.50
1.50
1.50
1.50
1.50
1.50
1.50
1.50
1.50
1.50
1.25

22

CARE OF D E P E N D E N T S

Staff in England—Continued.
T able 1—Continued

Staff
pay.

(Except the principal Aide-de-camp to General Officer Commanding Canadian

Field
allow­
ance.

$5.00
5.00
4.00
4.00
3.00

$1.25
1.25
1.25
1.25
1.25

4.00
3.00
3.00
3.00

1.50
1.25
1.25
1.25
________-

The above rates include all allowances (except rations valued at
42c. per diem), travelling allowance when away from station, and
Separation Allowance.
SU B O R D IN A T E ST A FF.

The following daily rates of Pay and Field Pay are authorized for
Warrant Officers, Noncommissioned Officers and Men appointed to
the Subordinate Staff of the Headquarters of an Army, Army Corps,
Division, Divisional Artillery, Cavalry or Infantry Brigade, and also
for W arrant Officers, N. C. O.’s and Men serving on the Subordinate
Staff of an Administrative Office at the Base Overseas and in Eng­
land, subject to the Establishment authorized:
Pay of
rank.

T able 2.

$2.00
1.80
1.60
1.50
1.35
1.50

Field
pay.
$1.00
.50
.50
.50
.50
.25
.25

Pay of
rank.

R E G IM E N T A L R A T E S (G E N E R A L ).
T able 3.

Pay of
rank.
$6.00
5.00
4.00
3.00
2.00
2.00
1.80
1.50
1.50
1.60
1.60
1.50
1.35
1.10
1.05
1.00
1.00
1.00

Field
pay.
$1.50
1.25
1.00

.75
.60

.30

.20
.20
.20
.20
.20
.20

.15
.10
.10
.10
.10

.10
'

j t o t e .__i n addition to the above Regimental rates, Officers in Command of a Unit numbering five hun­
dred men or over shall receive Command Pay at the rate of $1.00 (one dollar) a day. It is not payable
to officers in receipt of special rates of Staff Pay under Table (I).


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Federal Reserve Bank of St. Louis

OF E N L IS T E D M E N I N

23

CANADA.

R E G IM E N T A L R A T E S (S P E C IA L ).
OFFICERS, CANADIAN ARMY MEDICAL CORPS.

Pay of
rank.

T able 4.

$8.00
7.00
5.50
4.50
3.50
3.00
2.00

Field
pay$1.50
1.25
1.00
.75
.60
.75
.60

CANADIAN OFFICERS ATTACHED TO THE ROYAL FLYING CORPS.

Consoli­
dated
rate of
pay.

T able 5.

$10.00
7.50
6.00
N o t e . —The above

rates include Field Pay, Flying Pay, and Ration Allowance.

Lieutenants, on probation previous to qualifying, receive the
ordinary rates of Pay laid down in Table (3) plus 50 cents per diem
Flying Pay.
FO R E S T R Y U N IT S A F T E R A R R IV A L O V E R S E A S.

Consoli­
dated
rate of
pay.

T able 6.

$3.00
3.00
2.25
2.25
2.25
1.75
1.75
5.50

N ote.—The above rates include Regimental Pay and Field Pay.

SK IL L E D RA ILW A Y E M PL O Y E E S (S E C T IO N S ).
T able 7.

In addition to rates laid down in Table 1, Officers appointed to a
Section of the Skilled Railway Employees (1 Captain and 2 Lieuten­
ants per Section of 266 Officers, N. C. O.’s ana Men) receive $1.00
per diem Specialists’ Pay, and the Noncommissioned Officers and
Men a rate ranging from 10c. to $1.00 per diem on the recommendation
of their Officer Commanding, according to the class of work performed,
rovided they be either Blockmen, Shunters, Drivers, Firemen,
'itters, Tubers, or Blacksmiths.

P


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Federal Reserve Bank of St. Louis

24

CARE OP D E P E N D E N T S
ALLOWANCES.

SU B SISTE N C E ALLOW A NCE (iN L IE U O F Q U A R T ER S A N D R A T IO N S ).

From the date of enlistment, Officers, Noncommissioned Officers
and Men are provided in addition to their pay of rank (or staff pay)
and field pay with all their requirements, lodgings, rations, medical
care, etc., Noncommissioned Officers and men are also issued with
clothing and equipment. Officers provide their own clothing and
equipment and receive an allowance in lieu, vide Table 15.
In some cases, however, it is not convenient nor practicable to
provide lodgings and rations; certain allowances in money are paid
instead, either to the soldier himself or to those providing the main­
tenance, a t the following rates:
ALLOW A NCE IN L IE U O P R A T IO N S A N D Q U A R T ER S IN CANADA.
T able 8.

Per diem.

Officers, irrespective of rank..... .......................................................................
Noncommissioned Officers and men, actual cost per capita not exceeding

. . . . $1.50
............. 60

IN E N G L A N D .
T able 9.

At
Else­
London
where
per diem. per diem.
$2.00
1.50
1.25
1.00

$1.50
1.00
1.00
.75

M E SSIN G A LLO W A N CE.
T able 10.

All Officers and Nursing' Sisters, except those in receipt of special
rates of Staff Pay, are granted a Messing Allowance of four shillings a
day from the date they arrive in England.
T R A V E L L IN G A L L O W A N C E .

When Officers, N. C. O.’s, and Men travel away from their station
on public service they are provided with Government transport war­
rants, which they exchange for railway tickets, the railway companies
being afterwards repaid direct by the Department for the warrants in
their possession.
An allowance as per following scales is authorized to cover hotel
expenses and meals on train:
IN CANADA.
T able 11.

Colonels............................................................................................................ ...
Lieut. Colonels.................................................................................................
Captains and Lieutenants.......................... .......................................................
Warrant Officers.................................................................................................
N. C. O.’s not below'rank of Sergeant...................................................................


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East of
Port
Arthur.
$6.00
5.00
4.50
4.00
3.00
2.00
1.70

West of
Port
Arthur.
$6.00
5.00
5.00
4.50
3.50
2.25
2.00

25

OF E N L IS T E D M E N I N CANADA.

After a stay of seven days in one place the above scale is reduced
as follows:
T able 11a .

T able 11a .

East of
Port
Arthur.

West of
Port
Arthur.

$3.00
2.50
2.25
1.75
1.50
1.00

$3.50
3.00
2.75
2.50
2.25
1.75

IN E N G L A N D .
T able 12.

Shillings
per diem.
Officers................................................................. ............................................................................................... 15
N. C. O.’s a n d m e n ............................................................................. ».......................................................... 5

IN FR A N C E .
T able 13.
Francs
per diem.
Offioers.................................................................................................................................................................. 12
N. C. O.’s and men........................................................................................................................ '................... 8

SE PA R A T IO N A LLOW A NCE.

To provide for the needs of the dependents of soldiers, Separation
Allowance is paid at the following rates:
T able 14.

Colonels and Lieut. Colonels.
Majors...................................
Captains.............................. .
Lieutenants.............................
Warrant Officers.....................
Sergeants and Staff Sergeants
Rank and File.........................

Per month.
....... $60.00
....... 50.00
....... 40.00
....... 30.00
....... 30.00
....... 25.00
. .....

20.00

Payable from date of enlistment in the Canadian Expeditionary
Force.
CLASS OF PERSONS ENTITLED TO RECEIVE SEPARATION ALLOWANCE.

Class “A ”— Wives and Children:
(1) Lawful wife at time of enlistment.
(2) Wife married since enlistment with Commanding Officer’s
consent.
(3) Wife separated by court, provided court decrees husband must
contribute to support.
(4) Wife separated less than two years without court decree.
(5) Woman supported by soldier on a permanent “ bona fide’'
domestic basis two years prior to enlistment.
Class “B ”— Motherless Children:
(1) Legitimate children (Payable to Guardian named by soldier).
(2) Children of soldiers or women as in Class “ A” (5) as above.
101899°—17----- 4

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26

CARE OF D E P E N D E N T S OF E N L IS T E D M E N IN CANADA.

CJl&ss ^
•
Widow entirely dependent where the son has enlisted and is sole

R e p a ra tio n Allowance can not be paid in respect of the same soldier
to more than one household at the same time. In the event of ^ d i­
vidual cases arising which do not appear to come within the above
regulations, or any cases not already provided for, such may be
specially considered by the Governor General in Council.
A SSIG N ED PAY.

Assigned Pay is the portion of a soldier’s Pay of Rank retained by
his own request or by compulsion and paid to a party designated by
him. The amount of the assignment can not exceed twenty days
Pa?Vrhenr Separation Allowance is being paid on account of a soldier,
it is compulsory for him to assign at least half of his pay (of rank).
In the case of officers assignment of pay is not compulsory.
O U T F IT A LLO W A N CES.
OFFICERS.

T able 15.

An Outfit Allowance of $250.00 is authorized for every officer to­
wards the cost of uniforms and equipment, payable as follows :
$100.00 after three months’ service in Canada, $50.00 on departure
for oversea, $100.00 after-arrival in England.
T able 16.

Nursing Sisters are also entitled to an Outfit Allowance of $150.00
under similar conditions to the above, but not to the additional
$100.00 after arrival in England.
WARRANT OFFICERS.

T able 17.

Warrant Officers, Class I, who have been duly appointed as such,
are entitled to an Outfit Allowance of $100.00 after arrival m England.
Officers and Warrant Officers provide their own clothing and equip­
ment out of above allowances.
Noncommissioned Officers and Men are issued, clothing and equip­
ment in kind.


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Federal Reserve Bank of St. Louis

APPENDIX II.
No. 74.

1915.
BILL.

AN ACT TO AUTHORIZE AND CONFIRM GRANTS BY MUNICIPAL
CORPORATIONS FOR PATRIOTIC PURPOSES.

His Majesty, by and with the advice and consent of the Legislative
Assembly of the Province of Ontario, enacts as follows:
1. Any municipal corporation may pass by-laws for granting aid to— objects which
(a) The Canadian Patriotic Fund, established by an act of the may 1)6 aide<i’
Dominion Parliament passed in the fifth year of the reign of His
Majesty King George the Fifth, chaptered 8.
(b) The Canadian Red Cross Association.
(c) The Belgian Relief Fund.
(d) Any other fund established for providing hospital accommo­
dation, medical or surgical care or other assistance of a like nature
to persons who have suffered or may suffer by reason of the present
war.
(e) Provide military outfit and equipment for the members of
any local body organized for the purpose of home defence and offi­
cially recognized by the Department of Militia and Defence.
(f) Insure the lives for the benefit of dependents of officers and
men, residents of the municipality, who during the present war
may be on active service with the naval and military forces of the
British Empire and Great Britain’s allies.
_(g) Any fund established for the assistance in case of need of the
wives, children, and dependent relatives of officers and men, resi­
dents of the municipality, who during the present war may be on
active service with the naval and military forces of the British
Empire and Great Britain’s allies. 9
(h) To_ purchase and forward supplies of food and clothing for
distribution among those requiring assistance in Great Britain,
France, or Belgium.
2. (1) For the purposes mentioned in section 1 the municipal corpo- Power to borration may borrow money by the issue of debentures, payable in notbenturesorprom^
more than ten years from the date of issue, or on the security of promis- issory notes,
sory notes, or may provide for raising the money in the estimates and
levy for the same in the taxes for the current year. (2) If the money is How promisborrowed on promissory notes and the council decides to extend paynotes to 1)6
ment of any of them beyond one year, the notes shall be so drawn and p
made that the number and principal of the notes falling due in one year
shall be equal to the number and principal of those falling due in each
of the other years of the term fixed by the council, but so that none
shall be for a longer period than five years from the date of the first.
3. It shall not be necessary to obtain the assent of the electors to any Assent of eleoby-law passed under the authority of this Act, or to observe the formal-tors not rectuiredities in relation thereto prescribed by The Municipal Act.
4. A special rate shall be levied in each year on all the rateable prop- Special rates,
erty in the municipality sufficient to pay the instalments of principal
and the interest falling due in respect of the debentures or to pay the
interest and provide for a sinking fund to retire the debentures at their
maturity, or to pay the principal and interest falling due on the promis­
sory notes as the case may be.
27


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28

CARE OF D E P E N D E N T S OP E N L IS T E D M E N IN CANADA.

Confirmation of 5. Any by-law heretofore or hereafter passed for any of the purposes
pas gran s.
mentioned m section 1, may be approved by the Lieutenant Governor

in Council ami when so approved shall be legal, valid and binding.
6. Any Public U tility Commission having the management and con­
trol of a public utility as defined by The Public Utilities Act may make
grants in aid of any of the purposes set out in section 1. Such grants
may be made out of any funds under the control of the Commission.
b^iavre.mati0n °f ^' ^he by-laws set out in the Schedule hereto are hereby confirmed
and declared to be legal, valid, and binding.
SC H E D U L E .

By-law No. 464 of the Municipal Council of the Corporation of the
County of Perth, contributing to the Canadian Patriotic Fund $1,400
during each month in the years 1915 and 1916, until three months
after the present war he ended and has concluded, or until the
moneys to be assessed and levied are exhausted, whichever shall first
happen.
By-law No. 857 of the Municipal Corporation of the County of
Elgin, contributing to the Canadian Patriotic Fund $1,000 a month
during the continuance of the war between Great Britain and Ger­
many.
Bv-law No. 748 of the Corporation of the County of Victoria to
establish and provide a fund to be known as “ The Countv of Vic­
toria Patriotic Fund” and contributing $16,166.85 to the fund.
A by-law of the Municipal Corporation of the County of Prince
Edward, passed on the 18th day of December, 1914, to aid the
Canadian Patriotic Fund by a contribution of $500 a month for a
period of not exceeding twenty-four months and to a total amount
not exceeding $12,000.
By-law No. 821 of the County of Ontario to raise money for cre­
ating a Patriotic Fund for the relief of soldiers in this County, who
have volunteered for service in the present war in which the British
Empire is engaged and for the relief of persons dependent upon such
solcfiers who may have been killed or permanently disabled. Con­
tribution is $15,000, raised in five annual payments of $3,000.
By-law No. 2220 of the City of Sfe Thomas to authorize the issue
of debentures to the amount of $5,000 to be contributed by the
City of St. Thomas to the Canadian Patriotic Fund.
By-law No. 658 to authorize the issuing of debentures of the Town
of Leamington for $2,000, for the purpose of the Leamington and
Vicinity Patriotic Association.
By-law No. 290 of the Township of King in the County of York to
assist in raising a fund for war relief purposes by a levy of one mill
in the dollar on all the assessable property in the municipality,
which will raise about $3,500 and $1,500 by voluntary contributions.


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Federal Reserve Bank of St. Louis

APPENDIX III.
R. No..
RecTd ...

By.......
APPLICATION FOR TORONTO CIVIC INSURANCE.
I* Applicant’s Name in full...................................................................................
2. Occupation.......... .-.....................Employed b y..................................................
3. Address of Employer...........................................................................................
4. Street Address at time of enlistm ent.......... ___Length of R esidence... __years.
5. Exact residence on Aug. 1, 1914 ................... ___ Length of Residence... . . . years.

6.

Place of Birth.................. . .County of.......... ___Province or Country___

7. Date of Birth................... ............. day of___ .......... 19___ Present age___ . . . years.
8. Name of Next-of-kin or dependents.......... ............................................ .....................

9. Relationship to Applicant.................................................................................................
10. Address of Next-of-kin or dependent................................................ ................ ...........
11. Contingent or U nit........................................ Rank................. ............ Reg. No...............
12. Date of enlistment J.................................................. day of..................................... 191..
13. Name of Toronto referee who has not enlisted and who is not likely to enlist..........
................................................................Street Address............................................ .
14. How long have you known him?........ ........................ ........................................years.
I declare that all of the foregoing statements are true.
Dated at.....................................the..............................day of............................. A. D. 19...
Witness:

(Address;)

(Signature of applicant.)

29


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Federal Reserve Bank of St. Louis

APPENDIX IV.
To the Council of the Corporation of the City o f Toronto:
The Board of Control beg to present their Report No. 5.
INSURANCE OF RESIDENTS OF TORONTO IN THE SECOND
CONTINGENT OF THE CANADIAN OVERSEAS EXPEDITION­
ARY FORCE.

The Board invited offers from the leading life insurance companies
having headquarters or chief agents in Toronto for the insurance of
residents of Toronto who are enlisted in the second contingent of the
Canadian Overseas Expeditionary Force. Two Companies only
submitted propositions: First, the State Life Insurance Company of
Indianapolis, to insure three hundred members under a Participating
Limited Payment or Endowment Policy at the Company’s regular
rates, with a proviso that the city shall pay two annual premiums
in advance; second, the Aetna Life Insurance Company of Hartford,
which offered a twenty-year endowment policy of $1,000 on the life
of each member at the regular premium rate, etc.
The foregoing offers were submitted to the City Treasurer and
City Solicitor tor consideration, etc., and their report thereon is
herewith appended and is as follows:
La w D epartm ent,

Toronto, February 6th, 1915.
'
_

T. L. C h u r c h , Esq. (Mayor),
C h a ir m a n ,

and

M em bers

of t h e

B oard

of

C o n tro l ,

Toronto.
The question of placing insurance upon the members of the Second
Contingent of the Canadian Expeditionary Force was referred to the undersigned by
your Board on the 2nd instant.
Only two propositions have been submitted: (1) One by the State Life Insurance
Company of Indianapolis, to insure 300 members under a participating limited pay­
ment or endowment policy, at the Company’s regular rates, with a proviso that the
City shall pay two annual premiums in advance; (2) One by the Aetna Life Insur­
ance Company of Hartford, which proposes a 20 year endowment policy of $1,000 on
the life of each member, at the regular premium rate, with a proviso that the City
shall pay the premiums on these policies till the close of the present war.
The policies are to be free from restrictions regarding occupation, residence, travel
or service in the Militia, Army, or Navy in time of war or in time of peace. Each
policy, of course, has a cash surrender value after payment of the third year’s pre­
mium. At the average age of 30 years this surrender value amounts to $86, so that
men returning from the war after its conclusion will have the option of taking over
the policies and continuing the annual payments until the end of the endowment
period. If the policies are not continued, the City would have the right to call for
the cash surrender value, which we think should be retained by the_City as the risk
has been carried at the expense of the city during the war. The policies also have a
paid-up value at the end of three years. The question, however, of the method of
dealing with either the cash surrender value, or the taking of a paid-up policy, is one
entirely for the Council.
D e a r Si r s :

30


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Federal Reserve Bank of St. Louis

CARE OF D E P E N D E N T S OF E N L IS T E D M E N I N CANADA.

31

A The T°nJ y Pr°P°.sition, therefore, submitted covering the whole Force is that of the
ani
view °.f, ,tlle likelihood of this Contingent leaving almost any day
and the necessity for a written application being obtained from each of the m e n w p
recommend that this offer of the Aetna Life be accepted. We are informed by the
local agents that arrangements can be made with Lieutenant Colonel Elliott whereby
th lf t t aPpIl<^ tl0ns ^ y be obtained from the men in one day. We are informed
that the number to be insured amounts to 1,090 soldiers
Yours, truly,
J ohn P a tter so n ,

City Treasurer.
W illiam J o h n s t o n ,

City Collector.

The Board alter giving the foregoing report careful consideration
recommend that the offer of the Aetna Life Insurance Company of
Hartford for the insurance of all Toronto residents in the second
contingent of the Canadian Overseas Expeditionary Force be
accepted according vto the conditions embodied in the offer of the
Company, subject to the following provisions, viz, th at the Citv
shall undertake to pay the premiums for three years in order to
bring each pokey within the surrender value clause, the policy to be
retained by the City of Toronto in trust, and that in the event of
the insured party desiring to continue the policy with the endow­
ment privilege he may do so upon recouping to the City the amount
of the surrender value at the expiration o f the three-year term, or
at the end of the war, should it last longer than three years.
Respectfully submitted.
J
T. L. Church (Mayor), Chairman.
B oard R oom, T oronto, February 8th, 1915.
Premium Rates, etc., of the Aetna Life Insurance Company referred to in Report No
5 of the Board of Control.
GUARANTEED RATES AND VALUES 20-YEAR ENDOWMENT «1,000.

Age.

Premium.

Cash value
at end
3rd year.

Paid-up
value at end
3rd year.

Extended insur­
ance.
Years.

18
19

20.

21.
22 .

23.
24.
25.
26.
27.
28.
29.
30.
31.
32.
33.
34.
35.
36.
37.
38.
39.
40.
41.
42.
43.
44.
45.


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Federal Reserve Bank of St. Louis

$41.11
41.16
41.21
41.27
41.34
41.41
41. 48
41.55
41.64
41. 74
41.84
41.95
42.07
42.21
42.36
42.51
42.69
42. 89
43.11
43.35
43.62
43.91
44. 25
44.60
45.01
45. 45
45.96
46. 51

$87.00
87.00
87.00
87.00
87.00

86.00
86.00
86.00
86.00
86.00
86.00
86.00
86.00
86.00
86.00
86.00
86.00
86.00
86.00
86.00
86.00
86.00
86.00
86.00
86.00

87.00
87.00
87.00

«149.00
149.00
149.00
149.00
148.00
148.00
148.00
148.00
147.00
147.00
147.00
147.00
146.00
146.00
146.00
146.00
146.00
145.00
145.00
145.00
145.00
145.00
144.00
144.00
144.00
144.00
143.00
143.00

14
14
13
13
13
13
13

12

12

12
12

11
11
11
11
10
10
10
10

9
9
9
8
8
8

7
7

Days.
83

22

323
257
189
118
44
332
251
167
80
355
261
165
67
332
229
124
16
270
156
39
285
164
41
281
154
26

CAKE OE D E P E N D E N T S

32

ILLUSTRATION.
$ 1, 000.

Average Age 30.
$42.07
126. 21
86. 00
40. 21
13.40

Premium...........................................................................
Amount paid three years— ....................... .................
Cash Value end third year............................................
Net cost of insurance for 3 yrs......................................
Cost per year per $1,000.................................................

To the Council o f the Corforation o f the City of Toronto:
The Board of Control beg to present their Report No. 10.
RE INSURANCE ON SECOND CONTINGENT.

Yonr Board have conferred with the local agents of the Aetna Life
Insurance Company in the above matter, and have notified the
Company that the City will hold them to their contract to insure
all the members of the Second Contingent belonging to the City of
Toronto.
. .
In the meantime the Board recommend the City Council to declare
in favor of the City assuming liability to provide the sum of $1,000
for the dependents of all soldiers resident in the City belonging to
the Second Contingent meeting death in active service.
RE

INSURANCE

ON

SOLDIERS NOT NOW
CONTINGENT.

CONNECTED

WITH

ANY

The Board have received the offer hereinafter set forth from the
State Life Insurance Company, Indianapolis. The Report of the
City Treasurer and City Solicitor is also herewith appended:
S tate L ife I n s u r a n c e C o .,

Toronto, March 27, 1915.
His Worship Mayor C h u r c h , Toronto, Ont.
Y o u r W o r s h ip : I beg to submit, on behalf of the State Life Insurance Company
of Indianapolis, the following offer for the. insuring of 250 of the volunteers now in
camt) J^0j 0
We will consider two hundred and fifty applications for $1,000 each on the twentyyear endowment plan, participating in profits, providing three annual premiums are
paid in cash in advance, on delivery of the policies to the City.
The rate per $1,000 at age 26 is $48.75 per annum, which would mean a payment
in advance of $146.25, covering the three years’ insurance. At the expiration of
the three years, however, and you desire to surrender the policy you would be en­
titled to a return of $90.39 on each $1,000 policy issued, which together with the
annual dividends which commence with the second year, would bring the net cost
to the City down to about $44 per $1,000 per man for three years’ insurance.
As we are having many enquiries, from outside, we would appreciate if your Council
could make it convenient to deal with this offer at once.
Yours, faithfully,
_
m ~
C h a r l e s T. G il l e s p ie .
L a w D epartm ent,

Toronto, March 29th, 1915.
T. L. C h u rc h , Esq. (Mayor),
Ch a ir m a n ,

and

M em bers

op t h e

B oard

op

Control,

Toronto.
We enclose herewith an offer received this morning from the State
Life Insurance Company, Indianapolis, to insure 250 of the soldiers now m the camp
at the Exhibition Grounds, on the terms set out in the letter.
D e a r Si r s :


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Federal Reserve Bank of St. Louis

OF E N LISTED M E N I N CANADA.

33

As this is the only offer that is received, if the City wish to insure we do not see
what else there is to do than to accept it. We know nothing about the finanr»ia,i
standing of this Company. We presume, however, that, having a license to do busi­
ness in Ontario, their financial standing must be at least satisfactory to the Insurance
Department. Further enquiries may, however, be made before the contract is con­
cluded with this Company.
Yours, truly,
J ohn P a t t e r s o n ,

City Treasurer.
W illiam J o h n st o n ,

City Solicitor.

The Board recommend the acceptance of the foregoing offer
submitted by the State Life Insurance Company of Indianapolis
subject to the condition that the insurance thereunder shall be
placed upon any men enlisting as may be directed by the Board.
Respectfully submitted.
T. L. C h u r c h (Mayor), Ghairman.
B o a r d R o o m , T o r o n t o , April 6th, 1915.
A communication from Mr. George B. Woodward, Third Vice
President of the Metropolitan Life Insurance Company, was read, as
follows:
M e tro po litan L ife I n s u r a n c e C o .,

New York, May 1st, 1915.
To the Mayor and Council of the Corporation of the City of Toronto.
G en t l em e n ? In accordance with the agreement reached at the conference held
yesterday at our office in this City with representatives of the City of Toronto we
submit the following:
’
It.is understood that the Council of the City of Toronto, or the proper Board will
furmsh to the Metropolitan on or before May 30th, 1915, a list of all Toronto members
ol the first Overseas Contingent, except as to the Reservists. The Metropolitan
agrees to at once issue policies on the lives of all persons whose names are on this
schedule, and where it has not already issued a policy to the City, the insurance to
date and to be in effect from October 14th, 1914.
The City of Toronto is to at once pay to the Metropolitan the difference between the
regular premium on the policies (plus extra premium of $25 in each case), and the
amount already paid as such premiums to the Company on account of the insurance
of said Contingent, together with interest at 5 per cent per annum on the difference
1i th’ 1914>to date of payment. Payment of this difference may be made
by the City m Toronto Bonds to net the Metropolitan not lesss than 5 per cent, subject
mu
b7 the Treasurer of the Metropolitan of the particular bonds offered
in e liability of the Metropolitan will be limited to policies issued on the lives of
those whose names are certified on said list, and the Metropolitan is not to be called
o ^ c e r tiS 7 °n the hfe °f anymember of 8aid First Contingent unless the name has been
The names of the Toronto Reservists are to be similarly certified to the Company
on or before June 30th, and they are to be insured subject to the same conditions as
named above applying to the members of the First Contingent; and the Metropolitan
is not to be called upon to pay any claim on the life of any Reservist unless the same
has been so certified.
The Metropolitan agrees to issue not exceeding 3,700 policies of $1,000 each on
hers of the Second Canadian Overseas Contingent, residents of Toronto, subject
to the following conditions:
_.G) Application for each policy so issued is to be made by the proper officer of the
City of Toronto, the application to give all particulars necessary to enable the Com­
pany to issue a policy.
(2)
In consideration of the agreement of the Metropolitan to insure this additional
number of 3,700, the City of Toronto agrees to pay to the Metropolitan the second
regular premium on all policies issued on the lives of members of the First Contingent
but without the extra war premium, excluding any which may be cancelled on account
of noncitizenship.


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Federal Reserve Bank of St. Louis

34

CARE OF D E P E N D E N T S OF E N L IST E D M E N I N CANADA.

(3) On these new risks, to the number of 3,700, the City of Toronto is to pay one
year’s extra war premium of $25 per $1,000 in addition to the regular premium, and to
pay the second regular premium on such policies, omitting the extra premium, pro­
vided the war does not cease in the meantime.
(4) If the war continues beyond the date when a third premium would fall due
on the policies issued to either the First or Second Contingent, the City agrees to pay
the regular premiums then due, omitting the extra war premium.
Payment of the regular and extra premium for the first year on these 3,700 risks
may be made by the City in Toronto Bonds to net the Metropolitan not less than 5 per
cent, subject to the approval by the Treasurer of the Metropolitan of the particular
bonds offered.
.
. . . .
In •m ak in g this proposal we desire to call your attention to the fact that m issuing
policies upon the lives of the persons whose names were sent us we found that a num­
ber of names sent us in your list were not actually citizens of Toronto, and therefore
not covered by our agreement with you. If the City will send to us the names of all
persons whom they know to be so situated, we will credit the City with the premiums
received thereon, as we can not consider the policies valid. If in the meantime the
Metropolitan has paid claims under any such policies, the City agrees to refund any
amounts so collected.
It is understood, however, that if the Municipalities of which the persons so ex­
cluded are citizens will pay to the Metropolitan tfie amount of premium thereon,
credited back to the City of Toronto by the Metropolitan, the Metropolitan will con­
sider its policies in force on such persons until October 14th, 1915, and for such addi­
tional period as the regular premiums thereon shall be paid for; provided the names
of all such persons are furnished to the Company on or before May 30th, 1915, together
with the amount of premium due.
Should the Metropolitan pay a death claim under policy issued on the life of a
member of either the First or the Second‘Contingent and it afterwards be found that
such person was not dead,, the City is to refund to the Metropolitan the amount paid.
Very truly, yours,
G e o . B. W o o d w a r d ,
Third Vice President.

Controller Spence, seconded by Controller O’Neill, moves that the
Council accepts and agrees to the proposals made in the Metropolitan
Life Insurance Company’s letter of May 1st, 1915, it being understood
that the 3,700 further men to be insured by The Metropolitan Life
Insurance Company, as set out in the sixth paragraph of the said
letter, are to be any residents of Toronto enlisted for active service
during the present war, other than the men of the First Contingent;
and that the notice required by the 32d Rule of this Council be dis­
pensed with so far as relates to this motion, which was carried.


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Federal Reserve Bank of St. Louis

APPENDIX V.
P. 0. 667.

CERTIFIED COPY OF A REPORT OF THE COMMITTEE OF
THE PR IV Y COUNCIL, APPROVED BY HIS EXCELLENCY
THE GOVERNOR GENERAL ON THE 15TH MARCH, 1917.

The Committee of the Privy Council have had before them a report,
dated 3rd March, 1917, from the Minister of Finance, stating that he
has received from the Superintendent of Insurance a memorandum
with reference to the payment of war claims by life insurance com­
panies in Canada in which it is stated that on acoount of the difficulty
experienced by the said companies in obtaining satisfactory proof of
the death of enlisted policyholders reported killed in action or missing
and believed to be dead, the payment of the amounts due to the
beneficiaries of such policyholders is being delayed; that in some
cases the companies are reluctant to accept as conclusive evidence of
death the official certificates of death, or presumption of death issued
by the Department of Militia and Defence, and that such companies
require in addition corroborative evidence from comrades or other
persons who have seen the body after death- that as in many cases
such additional evidence can not be produced it is probable th at the
payment of the claims of such policyholders will k e deferred until
after the conclusion of the war, and that the beneficiaries of such
policyholders will be inconvenienced or injured by the said delay;
that the Department of Militia and Defence has stated that the’
casualty records of all men whose deaths have been officially pre­
sumed have been carefully searched, and not a single instance has
been found of any man having been found to be alive in respect of
whom an official certificate of death has been issued, and that there­
fore the precautions being taken by the said companies appear to be
unnecessary; that it is undesirable to modify by legislation or regula­
tion the provisions of existing contracts even to the extent of pre­
scribing the form of proof which the companies shall accept as satis­
factory without some provision for compensation in the event of
unwarranted payments being made; and that for these reasons it
is desirable that a regulation should be made by the Governor in
Council under the provisions of the War Measures Act, 1914, providing
that all insurance companies transacting business of fife insurance in
Canada shall accept as satisfactory proof of death the official certifi­
cates of death or presumption of death as the case may be, issued by
the Department of Militia and Defence, and shall, on the production
of such certificate, pay to the beneficiary under any policy of life
insurance on the fife of an enlisted soldier resident in Canada at the
time of the issue of the policy or at the time of enlistment, the amount
35

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Federal Reserve Bank of St. Louis

36

CABE OF D E P E N D E N T S OF E N LISTED M E N IN CANADA.

to which such beneficiary is entitled thereunder, and that in the
event of such policyholder subsequently proving to be alive and the
amount of the said payment not being refunded by the
W fic iflrv + u rft mav be paid to such company put ot the Uonsonuatea
Revenue Fun under the provisions of the War Appropriation Act,
1016 the amount by which the payment so made to the said béné­
ficiais exceed the actuarial reserve maintained by the_ company in
respect of the said policy at the date on which the said payment is

I

m The Minister concurs in the report and recommendations of the
Superintendent of Insurance and submits the same for favourable
COTheCommittee advise that the foregoing be approved accordingly.


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Federal Reserve Bank of St. Louis

APPENDIX VI.
A djutant General ’s Office ,
Militia H eadquarters,
Ottawa, Canada .
CERTIFICATE

OF

DEATH.

This is to certify that No.............(rank, name, and battalion), Canadian Expedi­
tionary Force, has been officially reported as having been killed in action on t h e ___
day o f .........., 191 .
On attestation, he gave the name and address of his next of ..kin as follows: (name
and address).
M il it ia H e a d q u a r t e r s ,.
O t t a w a , ..........,

Adjutant General.
191 .

A djutant General ’s O f f i c e ,
Militia H eadquarters,
Ottawa, Canada .
c e r t if ic a t e

of d eath

.

Certified that No.............(rank, name, and battalion), Canadian Expeditionary
Force, has been officially reported missing since t h e ___day o f ............,191 , and
that after full enquiry made, no information has come to hand which would indicate
that he is not dead. It has, therefore, been presumed for official purposes that he
died on or since that date.
On attestation, he gave the name and address of his next of kin as follows: (name
and address).
M il it ia H e a d q u a r t e r s ,
___ ,
Ottaw a,

Adjutant General.

191 .

«
37


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Federal Reserve Bank of St. Louis

APPENDIX VII.
R eference N o ................

,

■

_

,

of th e la te " ' * ° f
hereinafter called th e “ insured ” of th e C ity of
Toronto, Canada, do hereb y acknow ledge to h a v e received from th e Corporation of
th e C ity of Toronto th e sum o f ........... Dollars, b ein g m accou nt of proceeds o f ^ n
insurance to th e am ount of $1,000 on th e life of th e said “ insured, U and
th a t th is am ount is received b y . . - - - - on th e supposition th a t th e said^ insured
lo st h is life on a c tiv e service, and also was a bona fide resid en t of th e said C ity ot
Toronto for a t l e a s t ........... years before h is en listm en t for a c tiv e service; and . . . h ereb y un dertake and agree th a t in th e e v e n t of th e said “ insured b ein g still a liv e
or on i t b ein g show n th a t h e w as n o t a resid en t as aforesaid , th e am ount now paid
t o ............and^all other p aym ents m ade on accou nt thereof w ill b e returned forthw ith
upon demand to th e said Corporation of th e C ity of Toronto
D ated a t ........... , in th e C ounty o f ............ , th is . . . . d ay o f ............, A . D . 191 .
Signed in th e presence of—
Name.
Street.
Place.

38


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Federal Reserve Bank of St. Louis

APPENDIX VIII.
T he H ouse

of

Commons

of

Canada .

BILL 7
As Passed by the House of Commons August 22, 1914.
AN ACT TO INCORPORATE THE CANADIAN PATRIOTIC FUND.

Whereas it is desirable to provide a fund for the assistance, in case
ot need, of the wives, children, and dependent relatives of officers and
men, residents of Canada, who, during the present war, may be on
active service with the naval and military forces of the British Empire and Great Britain’s allies; and whereas money is now being
raised for the said purpose, and it is desirable to provide for the
adiDmistration of the same: Therefore His Majesty, by and with the
advice and consent of the Senate and House of Commons of Canada
enacts as follows:
* ’
1* This Act may be cited as The Canadian Patriotic Fund Act, 1914.
.2* His Royal Highness The Governor General, His Honour Sir J. M.
Gibson, K. C. M. G., Lieutenant Governor of Ontario, His Honour
Sir Francois Langelier, K. C. M. G., Lieutenant Governor of Quebec,
Honour Josiah Wood, Lieutenant Governor of New Brunswick
His Honour D. C. Cameron, Lieutenant Governor of Manitoba, His
Honour Thomas W. Paterson, Lieutenant Governor of British Co­
lumbia, His Honour James D. McGregor, Lieutenant Governor of
5SVa Scotia, His Honour B. Rogers, Lieutenant Governor of Prince
Edward Island, His Honour Geo. E. Brown, Lieutenant Governor of
Saskatchewan, His Honour G. H. V. Bulyea, Lieutenant Governor of
Alberta, The Right Honourable Sir Robert Borden, P. C., G . C M G
The Honourable Sir George E. Foster, K. C. M. G., The Honourable
G e o r g ^ . Periey, The Honourable Robert Rogers, The Honourable
W. T. White, The Honourable L. P. Pelletier, The Honourable J. D.
Hazen, Colonel The Honourable Sam Hughes, The Right Honourable
Sir Wilfrid Laurier, P .C ., G. C. M. G., The Honourable Sir James
Whitney, K. C. M. G., The Honourable Sir Lomer Gouin, K. C. M. G.
The Honourable J. K. Flemming, The Honourable G. H. Murray]
The Honourable J. A. Matheson, The Honourable Walter Scott, The
Honourable A. L. Sifton, The Honourable Sir R. P. Roblin, K. C. M. G
The Honourable Sir Richard McBride, K. C. M. G., The Honour­
able George Black, Sir Hugh Graham, The Honourable T. Berthiaume,
Woods, Esq., The Honourable Sir William Mulock, K. C. M. G.,
J. K. L. Ross, Esq., The Honourable Robert Jaffray, Sir Thomas
Shaughnessy, K. C. V. O., Sir William Mackenzie, E. J. Chamberlin,
Esq., The Right Honourable Chief Justice Sir Charles Fitzpatrick,
39

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CABE OF D E PE N D E N T S

40

G. C. M. G., The Honourable C. Sifton, H. B. Ames, Esq., M. P m F. S.
Barnard, Esq., George Burn, E sq, T. C. Casgram, Esq., K. C., lh e
Honourable R. Danaurand, Sir Henry K. Egan, J. B. Eraser, Esq.,
Herbert S. Holt, Esq., The Honourable Sir MelvinJones, The Hon­
ourable A. E. Kemp, The Honourable W. L. McKenzie King, The
Honourable R. Lemieux, A. M. Nanton, Esq., William Price, Esq.,
A. F. Sladen, Esq., C. M. G., Sir Byron Edmund Walker, C. Y. O.,
E. C. Whitney, Esq., and Lieutenant Colonel D. R. Wilkie are mcorporated under the name of “ The Canadian Patriotic ru n d
(hereinafter called the “ Corporation”).
OBJECTS.

3.
The objects of the Corporation shall be to collect, administer,
and distribute the fund herembefore mentioned for the assistance m
case of need of the wives, children, and dependent relatives of officers
and men, residents of Canada, who, during the present War, may be
on active service with the naval and military forces of the British.
Empire and Great Britain’s allies.
PROPERTY VESTED IN CORPORATION.

4. There shall vest in the Corporation (a) any moneys, securities,
and other property which are now the property of The Canadian
Patriotic Fund Association, incorporated by Chapter 92 of the
Statutes of 1901, and which the Association may agree to transfer ;
(b)
All moneys at any time contributed to be expended or dis­
tributed by or through the Corporation hereby created.
LIABILITIES ASSUM ED.

5. Upon the transfer of the funds, securities, and other property
of the Canadian Patriotic Fund Association to the Corporation, The
Corporation shall be subject to the obligations, debts, and liabilities
of the said Association up to the amount so received.
EXECUTIVE COMMITTEE.

6. The affairs of the Corporation shall be administered by an
executive committee, consisting of a president and such other officers
and members as th.6 Corporation may from time to time determine.
PROVISIONAL EXECUTIVE COMMITTEE.

7.
The persons whose names are mentioned in Section 2 shall con­
stitute the provisional executive committee, and provided that ten
of the said persons are present a t the meeting, the Corporation may
be organized and the executive committee may be selected by them.
Until otherwise provided by the by-law or regulation made by the
executive committee, ten members of the executive committee shall
be a quorum.
DISTRIBUTION OF FU N D S.

8.
The Corporation shall, subject to the provisions of this Act, pay,
jj,pp]vJ or distribute to the best of its judgment, in such manner
among the persons entitled to share therein, and in such amounts, as

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OF E N LISTED M E N I N CANADA.

41

in the absolute and uncontrolled discretion of the Corporation seems
proper or advisable; and the Corporation shall take such means as
it thinks necessary or advisable to ascertain who are entitled to share
m
f t ? 5 ‘n t * ^ d ft yhat extent and in what manner the persons
entitled will be relieved by the Corporation.
* ^
BRANCHES.

9. The Corporation shall have the power to establish branches or
local organizations throughout Canada, and to cooperate with anv
association or organization established in any place in Canada for
purposes similar to those of the Corporation, upon such terms and
conditions as the Corporation may by by-law determine.
INVESTM ENTS.

10. Pending the final distribution of the fund, the Corporation
mves.V t f t
Public consols, stocks, bonds, debentures,
or other securities of the United Kingdom, or of any Dominion or
dependency thereof or m the debentures, bonds, stocks, or other
public securities of Canada, or of any province of Canada, or of any
municipal or public school corporation in Canada; or, (b) deposit it
with any chartered bank in Canada.
P
it
A U DIT.

^ f t ai\d ff tf t
thirty-first day of December, one thousand
/ f t U e<L andAfof t teeft the accounts of the Corporation shall be
audited by the Auditor General of Canada, and a report of such
audit, with such further statement as seems proper, shall be pub­
lished as the Corporation directs; and the said auditor, or his suc­
cessor m office, shall be the auditor of the Corporation.
LIABILITY OF CORPORATION FOR ITS* OFFICERS.

12 Except as provided for by the next preceding section, and
except as to any fraudulent act or fraudulent omission of the Cor­
poration, the Corporation shall not, nor shall any of its members, be
liable or m any way answerable for any of the acts, errors, or omis­
sion of the Corporation or of any of its officers, members, employees or agents, with respect to the receipt, expenditure, or .distribution of
the said moneys, or of any portion thereof, or in any other respect in
carrying out the objects of this Act.

1

E X OFFICIO M EMBERS.

13. Until the Corporation is dissolved, as hereinafter provided
the successor or successors in office of the Governor General, and of
the Lieutenant Governors of Ontario, Quebec, Nova Scotia, New
Brunswick, Manitoba, British Columbia, Prince Edward Island
baskatchewsm, and Alberta, and the Commissioner of the Yukon’
shall be members of the Corporation.
’
HEAD OFFICE.

14. The office of the Corporation shall be in the City of Ottawa.

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BY-LAW S AND REGULATIONS.

15. Subject to the provisions of this Act, the Corporation may
make by-laws, rules, and regulations as to the holding of its meetings,
the admission of additional members to the Corporation, the appoint­
ment and duties of its officers and employees, the appointment of
members to fill vacancies, the quorum at meetings, and generally
the internal government of the Corporation and the carrying out of
the objects oi this Act.
PAYM ENT OF E X P E N SE S.

16. The Corporation may, out of the moneys vested in it, pay all
expenses it thinks necessary or proper to incur, or which it con­
siders have been properly incurred by the said Corporation or on its
behalf, in connection with the carrying out of the objects of this Act
or of the work of the said Corporation or of the Committees thereof.
DISSOLUTION OF CORPORATION.

17. When the purposes for which the Corporation is created have
been fully carried out, completed, and finished, the corporate powers
of the Corporation shall be deemed to have ceased and the Corpora­
tion to be dissolved.
T he H ouse

of

Commons

of

Canada .

BILL 39
As Passed by the House of Commons, 24th February, 1915.
AN

ACT

TO

AMEND

THE

CANADIAN

PATRIOTIC

FUND

ACT,

1914.

1914, 2nd Sess., c. 8.

His Majesty, by and with the advice and consent of the Senate
and House of Commons of Canada, enacts as follows:

1. Section 3 of The Canadian Patriotic Fund Act, 1914, Statutes
of 1914 (Second Session), Chapter 8, is amended by adding thereto
the following subsections:
NEWFOUNDLANDERS IN CANADIAN FORCES.

“ 2. The Corporation may also assist, in case of need, residents of Newfoundland
who are the wives, children, and dependent relatives of officers and men, residents
of Newfoundland who, during the present War, may he on active service m the Cana­
dian naval or military forces.”
OBJECTS OF CORPORATION EXTENDED TO:

‘3. The Corporation may also, during the War and for six months after the termi­
nation of the War, assist in case of need:
INCAPACITATED OFFICERS AND MEN.

(a)
Officers and men, residents of Canada, who return to Canada incapacitated
by wounds, injuries, or disease received or contracted while on active service
with the naval or military forces of the British Empire and Great Britain s allies
during the present War; and

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OF E N LISTED M E N IN CANADA.

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WIDOWS, ETC., OP OFFICERS AND MEN.

(b)
Residents of Canada who are widows, children, and dependent relatives
of officers or men, residents of Canada, who die from wounds, injuries, or disease
received or contracted while on such active service.
LIMIT OF ASSISTANCE THAT CAN BE GIVEN.

No assistance shall be given to any person under the provisions of this subsection
for a longer period than six months, or to any person who is in receipt of any gratuity,
pension, or allowance paid by His Majesty or by any foreign government in conse­
quence of incapacity or death occurring as aforesaid.”


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APPENDIX IX.
No. 165.

BILL.

1916-

AN ACT TO AMEND AN ACT TO AUTHORIZE AND CONFIRM
GRANTS BY MUNICIPAL CORPORATIONS FOR PATRIOTIC
PURPOSES.

His Majesty, by and with the advice and consent of the
Legislative Assembly of the Province of Ontario, enacts
as follows:
1. (1) Section 1 of The Act to authorize and confirm grants by
Municipal Corporations for Patriotic Purposes is amended by inserting
the following clauses:
B u ild in g s for
(i) Provide, furnish, equip and maintain, improve and alter
barrack accom ­
buildings (other than armouries or drill sheds) to be used as quar­
modation.
ters or barrack accommodation for officers and men, members of
the Canadian Expeditionary Force, while in training in the
municipality for active service during the present war with the
naval or military forces of the British Empire and Great Britain’s
allies;
.
.
Recruits.
(j) Assist in obtaining recruits for the said Canadian Expedi­
tionary Force;
(k) Purchase musical instruments and musical equipment for
B an d i n s t r u ­
ments.
any band of a battalion forming part of the said Canadian Expe­
ditionary Force;
(l) Provide machine guns for the said Canadian Expeditionary
Machine guns.
Force;
(m) Any fund established by by-law of any municipal corpora­
tion to grant aid to the wives, children, and dependent relatives
of officers and men residents of the municipality who, during the
present war, shall die whilst on active service with the naval and
military forces of the British Empire and Great Britain’s allies,
such fund to be subject to such conditions and provisos as may be
contained in the by-law establishing the same.
G r a n t s con- (2) Any grants heretofore made for any of the purposes mentioned
firmed.
in subsection 1 are confirmed and declared to be legal, valid, and
binding.
5 Geo. v., c. 37, 2. The said Act is amended by adding thereto the following as sec5 Geo. V.C.

s.

37,

l, amended.

amended.
t io n l a .
Rateable prop- la. (1) In this Act “ rateable property” shall include assessment
erty, what to in- f or reaj property, income and business or other assessment made under

The Assessment Act, and the amount raised under the authority of
this Act shall be raised, levied, and collected upon all the rateable
property in the municipality by a general rate and except as to the
R e v. Stat. c. exemptions from taxation set out in section 5 of The Assessment Act,
195no partial or total exemption from assessment or taxation, and no
fixed assessment or other special provision or agreement shall apply
to the assessment and collection of such rate, anything in any general
or special Act, or in any municipal by-law or resolution^ or in any
contract, or other instrument, or in any Order of The Ontario Railway
and Municipal Board, or otherwise, to the contrary notwithstanding.
D e d u c tio n of (2) In calculating the amount of the indebtedness of the municitae*M^C
ofrtbOT-Pa^ y f°r the purpose of ascertaining if the lim it of its borrowing
rowing powers, power, as fixed by any general or special Act, has been reached any
debentures issued under the authority of this Act shall not be reckoned
as part of such indebtedness, but shall be excluded in computing the
same.
Limit fixed by (3) In calculating whether or not the lim it fixed by section 297 of
? e297^ncrt to *ai>The Municipal Act has been reached, any rates levied under the
ply.
^ authority of this Act shall be excluded in computing the same.
issue of twenty- 3 . ( 1 ) Section 2 of the said Act is amended by striking out the word
authorked^ntUreS “ ten ” in the third line and substituting therefor the word “ twenty.”
44

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APPENDIX X.
No. 59.

1917.

BILL.

AN ACT TO AMEND AN ACT TO AUTHORIZE AND CONFIRM
GRANTS BY MUNICIPAL CORPORATIONS FOR PATRIOTIC
PURPOSES.

His Majesty; by and with the advice and consent of the
Legislative Assembly of the Province of Ontario, enacts
as follows:
*- C l a u s 6 (e) of Bection 1 of The Act to authorize and confirm grants 5 Geo. V, c.
by Municipal Corporations for Patriotic Purposes is amended by in- 37>®>1>amended,
serting after the word “ equipment” in the first line the words “ for
any battalion the members of which are enlisted for overseas service
during the present war or.”
2. Clause (f) of section 1 of The Act to Authorize and Confirm 5. Geo. v, c. 37 ,
Grants by Municipal Corporations for Patriotic Purposes is amended s- x>amended,
by striking out the word “ dependents” in the first line thereof and
by substituting the following words therefor: “ parents, widows, chil­
dren, sisters, or brothers, or any person acting in loco parentis.”
3. Section 1 of the said Act is amended by adding the following 5 Geo. v, c. 37,
clause after clause (b):
s. 1, amended.
(bb) The British Red Cross Fund and The British Sailors’ Re­
lief Fund.
4. Clause (m) of section 1 of the said Act as enacted by section 1 of 5 Geo. v, c. 37,
the Act passed in the 6th year of the reign of his present Majesty s- amended,
chaptered 40, is repealed and the following substituted therefor:
’
(m) “Any fund established for providing allowances to widows, Fund for aiding
children, widowed mothers, parents, persons acting in loco pachildren,
rentis, or dependents of officers and men, who were residents of
depend'
the municipality six months prior to enlistment, and who have
’ ‘
died or may die while on active service with the naval or military
forces of The British Empire and Great Britain’s Allies, or while
returning home thereafter.”
5. Section 1 of the said Act is amended by adding thereto the fol­ 5 Geo. V, c. 37,
lowing clause:
s. 1, amended.
(n) Provide for grants to officers and men who have returned Grants to refrom active service with the naval or military forces of the British tufned officers
Empire or Great Britain’s Allies and who were residents of the and men‘
municipality for six months prior to enlistment.
6. Section 1 of the said Act is further amended by inserting the fol- 5 Geo. v, c. 37
lowing as subsection 2:
s. 1, amended.
, (2) Any municipal corporation may expend moneys for the follow- E x p en d itu r es
m g purposes:
for certain pur(a) For the purchase of rifles, ammunition, and horses;
poses'
(b) For the protection of any municipal property;
(c) -F-0r Pay to soldiers for picket duty and for expenses in­
curred in connection with returned soldiers;
(d) For any other expenditures incurred by the municipality
in carrying out the provisions of this Act and amendments thereto.
7. Moneys appropriated by the council of any municipality under When moneys
clauses (f) and (g) of section 1 of the said Act shall not be liable to ? ° t liab]e to atattachment.
tachment.
8. This Act shall be deemed to have been in force since the 4th day Act retroactive
of August, 1914, and any grants heretofore made for any of the forego- 2nd ?rants conmg purposes are confirmed and declared to be legal, valid, and bind-firmedmg.
. . . . . .
_ 9. The by-laws set out as Schedule “ A ” hereto are hereby con- By-laws c o n ­
firmed.
firmed and declared to be legal, valid, and binding.
45

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SCHEDULE “ A .”
BY-LAW NUMBER 653 OE THE COUNTY OF WENTWORTH. A BY-LAW
RE INSURANCE ON THE LIVES OF COUNTY MEN OF THE COUNTY
OF WENTWORTH.

Whereas it is considered desirable to effect insurance on the lives
of all men residents of the County, other than the City of Hamilton,
who enlist in Wentworth regiments of the active militia of Canada
for service in Europe:
Be and it is hereby enacted:

.

1. That the insurance in effect on the lives of the men residents of
the Comity, other than the City of Hamilton, who have enlisted in
Wentworth regiments of the active militia of Canada for service in
Europe, under policies of insurance with the Aetna Life Insurance
Company and policies of insurance with the Sun Life Insurance Com­
pany, be and the same is hereby confirmed.
2. That the warden and treasurer are hereby authorized to effect
insurance with the Aetna Life Insurance Company and the Sun Life
Assurance Company on the fives of:
A. (1) Each recruit who, since the 4th day of August, 1914, has
enlisted.
.
..
(2)
On each recruit who may in the future enlist in the Wentworth
regiments of the active militia of Canada for service in Europe.
B. On each man who is already enrolled in the Wentworth regi­
ments, and who may volunteer for service in Europe, as follows:
(1) On the fife of an unmarried man, the sum of $500, the policy
being payable to his mother, if alive, and in the event of his mother
not being alive, to his estate.
(2) On the life of a married man without children, the sum of
$1,000, the policy being payable to his wife.
(3) On the fife of a married man with children, the sum of $1,250,
the policy being payable to his wife and children.
3.
That the warden and treasurer are authorized to pay all future
premiums payable under each of said policies as they mature, until
the insured is discharged from further military duty, or from three
months after the termination of the present war.
Dated this 10th day of August, 1915.
Passed in Council this 10th day of August, A. D. 1915.
BY-LAW NUMBER 666 OF THE COUNTY OF WENTWORTH. RESPECTING
THE WENTWORTH SOLDIERS’ BENEFIT FUND COMMITTEE.

The Council of the Corporation of the County of Wentworth
enacts as follows:
1. That Council of the Corporation of the County of Wentworth
hereby creates and establishes a committee to be designated “ The
County of Wentworth Soldiers’ Benefit Fund Committee,” hereafter
called the “ Committee.”
2. The objects and purposes of this committee shall be as follows:
(a)
To insure or keep insured (should the committee deem it ad­
visable) the fives, for the benefit of dependents, of officers and men,
bona fide residents of the municipality for three months prior to the
date of his enlistment, who during the present war may be on active
service with the naval or military forces of the British Empire and
Great Britain’s allies.

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OF EN LISTED M E N IN CANADA.

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(b)
To control, manage, and deal with the insurance that m ar
hereafter be effected upon the lives of the said soldiers in such manner
as the committee deem advisable, or to cancel any such insurance
and subject to the provisions hereinafter set forth to pay out of the
amounts to be received from such insurance.
t
c<?mDiittee shall consist of J. H. Dickenson, J. F. Yance
John Douglas, J. E. Peart, and Archibald Cochrane, until the first
meeting of the Council in the year 1917. At the first meeting of the
Council m each year a committee shall be appointed to act under
this by-law for the current year.
4. A majority of the committee shall constitute a quorum for the
transaction of business, and the decision of a majority of those
present a t any meeting shall be final.
5. The officers of the committee shall consist of a chairman vice
chairman, secretary, and treasurer.
6. The treasurer of the county corporation shall be treasurer of the
committee, and the other officers shall be appointed by the com­
mittee.
7. The committee shall not incur any debt beyond the amount of
funds on hand and such further amounts as may be authorized bv
the Council.
J
8. All funds of the committee shall be under the control of the
committee and shall be paid out in manner following:
(a) Subject to the provisions hereinafter contained’ all sums paid
*2 f c dent? °f m1ar^ ed men shaU be Paid in monthly instalments
oi $20.00 each, and all sums paid to dependents of unmarried men
snail be paid m monthly instalments of $15.00 each.
(b) Any such sums as may be necessary to pay insurance premiums
on tne lives oi officers and men insured under the provisions of this
by-law.
9. Unless the committee otherwise directs, the payments of such
monthly instalments shall commence at the expiration of thirty days
from the date that the committee is furnished with satisfactory
evidence ot the death of any of such officers or men, and if required bv
committee, other proofs of claim.
^
J
10. In no case shall the total amount paid to dependents of married
men exceed the sum of $1,000, and in no case shaU the total amount
paid todependents of unmarried men exceed the sum of $500.
11. The committee shall have the power to pay a lump sum not
exceeding the above-mentioned amounts in lieu of payment by
mstalment and, may yary the amount of such instalment. The
County Council may vary the provisions and conditions herein con­
tained and make such further provisions and conditions respecting the
said fund and committee as the council deem expedient.
12. The committee shall keep proper records of all moneys received
and paid out and shall, whenever requested so to do by the County
Council, make report upon all such moneys received and paid out.
v
kbe committee not being able to effect insurance
on tne lives ot officers and men with any satisfactory insurance company, except on the payment of premiums which the committee
consider excessive, then the county will itself carry the insurance on
tffe lives ot the officers and men, and from time to time pay out of the
general tund ot the county to the committee such sums of money as
an equivalent to what would have been paid by an insurance com­
pany or companies on the death of any officer or man.

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48

CARE OF D E P E N D E N T S OF EN LISTED M E N I N CANADA.

14. The county council shall from time to time, upon the request
of the committee, authorize to he paid out of the general funds of the
county, or otherwise, to the committee such sums of money as shall
be necessary to pay the premiums on the insurance effected with
insurance companies on the lives of officers and men.
15. Oh the event of there being a balance after the work of the
committee has been completed, or in the event of the committee
ceasing to act or being abolished, any balance of the fund shall revert
to the county corporation.
16. That the sum of $6,000.00 and interest, part of the sum of
money authorized to be raised under the provisions of By-Law Num­
ber 660, be paid over to the committee to be dealt with by them under
the provisions of this by-law.
Passed this 25th day of July, 1916.
J. H. D i c k e n s o n , Warden.
J. W. J a r d i n e , Cleric.
BY-LAW

NUMBER 672 OF THE COUNTY OF WENTWORTH.
TO AMEND BY-LAW NUMBER 666.

BY-LAW

The Council of the Corporation of the County of Wentworth en­
acts as follows:
1. That section No. 2 of said by-law be amended by adding thereto
the following paragraph (c) :
(c)
To grant aid to wives, children, and dependent relatives of
officers and men, bona fide residents of the municipality for three
months prior to his or their enlistment, who during the present war
shall die whilst on active service with the naval or military forces of
the British Empire and Great Britain’s Allies.
(2) That section No. 8, subsection (a) of said by-law, be amended
by adding after the words “ sums paid” in the second and third lines,
the words “ under the provisions” of section 2, subsections (a) and (b).
(3) That said section No. 8 be further amended by adding thereto
the following paragraph:
(c)
Subject to the provisions hereinafter contained, all sums paid
the wives, children, and dependent relatives of married men, under
the provisions of section 2, subsection (c), shall be paid in monthly
instalments of $20 each' and all sums paid the dependent relatives of
unmarried men, under the provisions of section 2, subsection (c), shall
be paid in monthly instalments of $15 each.
(4) That section No. 10 of said by-law be struck out, and the fol­
lowing section be substituted therefor :
10. In no case shall the total amount paid to wives, children, and
dependent relatives or dependents of married men, as above provided,
exceed the sum of $1,000, and in no case shall the total sum paid the
dependent relatives or dependents as above provided of unmarried
men exceed the sum of $500.
5. That section No. 14 of said by-law be amended by striking out
all after the word “ necessary” in the fourth line and by substituting
therefor the words “ for the objects and purposes set out in paragraph
two hereof as amended.”
Passed this 15th day of November, 1916.
J. H. D i c k e n s o n , Warden.
J. W. J a r d i n e , Clerk.

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APPENDIX X I.
SCHEDULE OF ASSISTANCE.

Eastern City Maximum—-not to be exceeded, and where living is
less expensive than in Montreal, Toronto, and other large cities, the
scale should be somewhat lower.
1. Wife, having no children (in receipt of $20 per month as separation allow­
ance and $15 or more per month as assigned pay), may, if in need, receive
from the Canadian Patriotic Fund $5 or less.
2. Wife and one child:
Per month.
(а) If the child is under 15 and over 10 years of age............... ................ $17. 50
(б) If the child is under 10 and over 5 years of age........... ........................
14. 50
(c) If the child is under 5 years of age........................................................
13.00
3. Wife and two children:
(а) If both children are between ages of 10 and 15 or if one between 10
and 15 and the other between 5 and 10...... .......................................
22.00
(б) If both between 5 and 10...........................................................................
17. 50
(c) If one is between 5 and 10 and the other 5 years old or iess...............
17] 50
(d) If both are under 5 years of age................................................... .-....... .
16.00
4. Wife and three children:
(а) If all three are between the ages of 10 and 15, or if two are between
10 and 15 and the third under 10, or if one is between 10 and 15,
two between 5 and 10.......... ..................................................................
25.00
(б) If all three are between the ages of 5 and 10, or if two are between
the ages of 5 and 10 and the third younger, or if one is between
the age of 5 and 10 and two are younger............ ........................ .......
20.50
(c) If all three are under 5 years of age........................................................
19.00
5. Wife and four children:
(а) If the family includes one child between 10 and 15, and a second
child between 5 and 15, no matter what be the ages of the other
28.00
t w o . . ........................ ............................................................................. .
(б) If including one child between 5 and 10, and the other children
being of this category or younger...............................1........................
23. 50
(c) If all four are under 5 years of age..........................................................
22.00
6. Woman with five children:
(а) If the family contains one between 10 and 15 and a second child
between 5 and 15, no matter what be the age of the other children,
the maximum allowance may be given, which is ......................... ..
30.00
(б) If the family include one or more children between 5 and 10 and
26. 50
others younger...................................................... . . . . . . . . . ___ ____
(c) If all the children are under 5 years of age..........................................
25.00,
7. Woman with six children:
(а) If the family contains one child between 10 and 15 and a second
child between 5 and 15, no matter what be the age of the others,
the maximum allowance may be given, which is .............................
30.00
(б) If the family contains one or several children between 5 and 10 and
others younger................................................................ ......... ..............
29. 50
(c) If all the children are under 5 years of age............................................
28.00
8. Woman with seven or more children, no matter what be their ages, may
be given the maximum allowance of...................................................... ..........
30.00

The above applies to wives of men who have joined the Canadian
Expeditionary Force, where they are in receipt of separation allow­
ance from the Government.
I t does not apply, in this form, to the families of British reservists,
nor to French, Belgian, or Italian families, whose separation allow­
ance differs from that allowed by the Canadian Government.
Widowed mother:
If she depended entirely for support on an unmarried son who has joined
the Canadian Expeditionary Force, she may, if in need, receive from
the Canadian Patriotic Fund a monthly allowance not to exceed......... $10.00
Parents:
If the parents of a soldier in the Canadian Expeditionary Force are both
old and incapable of work and if they were entirely dependent on the
soldier they may, if in need, receive from the Canadian Patriotic Fund
a monthly allowance not to exceed............................... .........................
20.00
49

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APPENDIX X II.

g

Suggested scale of pensions for disabilities.

Degree of disability.

Rank held by member of the forces who has been
disabled.

Each child..................................................................
Chief Petty Officer and Petty Officer (Naval); Squad,
Battery.or Company Sgt. Major and Q.M. Sergeant
(Militia;; Sergeant, including Sergeant and Colour
Sergeant (Militia):
Each child............ ......................................................
Naval Cadet and Midshipman (Naval); Master Gunner
not W. 0 . (Militia); Regimental Sgt. Major not W. 0 .
(Militia); Regimental Q. M. Sergeant (Militia):
Each child........................................................... .—
Warrant Officer and Chief W. 0 . (Naval); Warrant
Officer (Militia):
Each child.................................................................
Sub Lieutenant (Naval); Lieutenant (Militia):
Each child....... ........................................... >•.............
Lieutenant (Naval); Captain (Militia):
Each child.......... . . . ................................... ...............


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Class 2,
90-99
per cent.

Class 3,
80-89
per cent.

Class 4,
70-79
per cent.

Class 5,
60-69
per cent.

Class 6 ,
50-59
per cent.

Class 7,
40-49
per cent.

Class 8 ,
30-39
per cent.

Class 9,
20-29
per cent.

Cass 10,
10-19
per cent.

Rate per
Rate per
Rate per
Rate per
Rate per
Rate per
Rate per
Rate per
Rate per
Rate per
annum,
annum,
annum,
annum,
annum,
annum,
annum,
annum,
annum,
annum,
pension
and
pension
and
pension
and
pension
and
pension and pension and pension and pension and pension and pension and
allowance. allowance. allowance. allowance. allowance. allowance. allowance. allowance. allowance. allowance.

$384
60

$336
54

$288
48

$240
42

$192
36

$144
30

$96
24

$48

$408
60

$357
54

$306
48

$255
42

$204
36

$153
30

$102

$51

24

12

$496
60

$434
54

$372
48

$310
42

$248
36

$186
30

$124
24

$62

$544
60

$476
54

$408
48

$340
42

$272
36

$204
30

$136
24

$68
12

$576
60

$504
54

$432
48

$360
42

$288
.36

$216
30

$144
24

$72

66

$900
78

$800
72

$700

$600
54

$500
42

$400
36

$300
30

$200

$100
12

$480
72

$432

$510
72

$459

$620
72

$558

$680
72

$612

$720
72

$648

$1,0 0 0
84

66

66

66

66

66

24

12

12

12

CARE OF D E PE N D E N T S

All rating below Petty Officer (Naval); Rank and File
(Militia):

Class 1,
Total 100
per cent.

Lieutenant Commander (Naval); Major (Militia):
Member of the forces..................................................
Each child...................................................................

$1,260
96

$1,134
90

$1,008
84

$882
78

$756

$630
54

$504
42

$378
30

$252
24

$126

66

Commander and Captain under three years’ seniority
(Naval); Lieutenant Colonel (Militia):
Member of the forces..................................................
Each child.......................*.............................. ..........

$1,560

$1,404
108

$1,248
96

$1,092
84

$936
72

$780
60

$624
48

$468
36

$312
24

$156

Captain (Naval); Colonel (Militia):
Member of the forces..................................... ............
Each child................................................ ..................

$1,890

$1,701
108

$1,512
96

$1,323
84

$1,134
72

$945
60

$756
48

$567
36

$378
24

$189

$2,430
108

$2,160
96

$1,890
84

$1,620
72

$1,350
60

$1,080
48

$810
36

$540
24

$270

120

$2,700
120

12

12

12

Members of the forces who have been disabled to a less degree than 10 per cent or who have incurred an impairment of a permanent character may be awarded a gratuity of
either.........or..........as the Commission may decide. Any member awarded......... may if he so desires commute his right to such gratuity for a pension of......... per annum.


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OF E N LISTED M E N IN CANADA.

Commodore and higher ranks (Naval); Brigadier
General and higher ranks (Militia):
Member of the forces..................................................
Each child...................................................................

120

12

APPENDIX X III.
SUGGESTED D ISABILITY TABLE FOR THE USE OF MEDICAL
OFFICERS OF CANADIAN EXPEDITIONARY FORCE.
Head:
Epilepsy, fits occurring several times per day.................................
Epilepsy, fits occurring every two or three weeks..........................
Insanity, total............................................................................. ........ .
Insanity, partial (mental detriment or other appropriate phrase)
Loss of portion of cranium.............................................. - - - - ............
Loss of both eyes...........- ..........................................- - - ........ ............
Loss of one ey e.................. - ...........................- .....................................
Loss of nose. — - .. - ..................... - .....................................................
Total loss of hearing......... - ........................................- .................; ■
Deafness of one ear..............................................................................
Loss of tongue.................................................. ....................................
Total paralysis of facial nerve........................................ —...........
Almost total loss of teeth....................................................................
Upper extremities:
Loss of middle or ring or little finger...........- ..................................
Loss of index finger..................- ............................................. .......
Loss of thumb (with metacarpal bone).. .....................................
Loss of all fingers except one, on both hands.................................
Ankylosis of the wrist, in good position......................... - ...............
Ankylosis of the wrist, in bad position.................................. .........
Loss of one hand...........................- ....................................................
Loss of both h an d s..
................--------------- - - .........................
Ankylosis of an elbow, in good position......... - - - - ........................
Ankylosis of an elbow, in bad position............................................
False joint at an elbow............................................ - - - *....... ......... Loss of one arm, below elb o w ................................................ ....... .
Loss of one arm, above elbow..........- — - - ............. ....... .............- Loss of both arms...... ........... — .......... - - - ......... - ..................
Disarticulation at the shoulder.........................................................
Ankylosis of the shoulder joint......... ............................................. False joint at a shoulder...................................... ................... - . . . Lower extremities:
Loss of any toe other than big toe....................... .............. - - -----Loss of big t o e ........................................................- .................
Ankylosis of big toe, in good position..............................................
Ankylosis of big toe, in bad position — ..................... - -----Loss of one foot............................................ ,..........................- ...........
Loss of both f e e t . . ...........- ...........................................................
Ankylosis of ankle, in good position................................................
Ankylosis of ankle, in bad position...........................- .....................
Loss of leg.........................#............ - ............. .......................- - - ......... Loss of thigh at upper third.............- - .................................. - ; ----Ankylosis of knee joint, in good position........................................
Ankylosis of knee, in bad position . .................................... .............
Fracture of thigh with slight (1 inch) shortening......................
Disarticulation at the hip joint............................................- ...........
Miscellaneous:
Loss of any two lim bs............................................... . - ...................
Ventral hernia...................... - .............................. ........ . . . . . . . . . . .
Inguinal hernia......................................... ......... - - ............................
Tuberculosis, in early stages..........................- • - .....................
Tuberculosis, incurable — ................- .......................... ...............
Chronic bronchitis..................- - - .......................... - .........................
Chronic cystitis...........................- ............. ........................................
52

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Per cent.
.

100

50
100

80
.. 20-30
..

100

33
.. 20-30
50
15
60
20
..
20

10
..

15
30
100
20

40
70
100

..

30
60
50
70
75
100
80
50
50
5

....

10
10
20

60
100
20

50
60
70
30
60
10

80
...

100

15
. . . 10-30
50
...
100
30
...
70

APPENDIX XIV.
PENSIONS.

Pensions for the Canadian Expeditionary Force are dealt with by
the Board of Pension Commissioners for Canada, under the following
regulations:
SC H ED U LE P E N S IO N R EG U LA TIO N S.

1. There shall be a commission to be known as the Board of Pen­
sion Commissioners for Canada, consisting of three members appointed
by the Governor in Council (hereinafter called the Commission).
Each commissioner shall hold office during good behavior for a
period of ten years from the date of his appointment, but may be
removed a t any time by the Governor in Council for cause, and a
commissioner, on the expiration of his term of office, shall be eligible
for reappointment. The Commissioners may, from time to time,
elect one of their number to be chairman of the commission.
2. Subject to the regulations hereinafter set out, the commission
shall have exclusive jurisdiction and authority to consider and make
all grants and payments of military and naval pensions, and of
gratuities, allowances, and assistance to persons wounded, injured,
or incapacitated in the military or naval service of Canada (herein­
after called members of the forces), or to their dependent relatives,
and shall have exclusive jurisdiction and authority to deal with all
matters pertaining to such pensions, gratuities, allowances, and
assistances.
3. The Commission shall have authority to engage such clerical
and other assistance as they may consider requisite for the trans­
action of their duties, and at such salaries as may be approved by the
Governor in Council.
4. In the administration of their powers by the commission great
care shall be taken to insure all applications being considered and
determined with the utmost despatch.
5. There shall be no appeals from the decisions of the commission,
but every applicant for a pension, gratuity, allowance, or assistance
may present his or her case either personally or by counsel before
the full Commission sitting for the purpose of hearing the complaints
of those who may have been dissatisfied with decisions given in the
ordinary course of administration.
6. The pension or other grant awarded any member of the forces,
or any dependent of such member, shall not be assigned, charged,
attached, or anticipated or commuted, nor shall any assignment,
charge, attachment, anticipation, or commutation be recognized in
any way by the Commission or any officer or servant of the Crown.
53

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54

CARE OF D E PE N D E N T S

7. All pensions awarded to members of the forces shall be deter­
mined by the disability of the applicant without reference to his
occupation prior to enhstment.
8. Each case shall be subject to review at the end of a year from
the time when the pension is first granted, except in those cases where
the disability is obviously permanent, and then there shall be no
further review.
9. No deduction shall be made front the amount awarded to any
pensioner owing to his having undertaken work or perfected himself
in some form of industry.
>
.
10. The Commission shall make provision for the vocational
training of those who are desirous of taking advantage of it, and for
the supplying, from time to time, of artificial limbs and appliances
to those who would thereby be benefited.
11. The Commission shall have power to entrust to a reputable
person for administration the pension or other grant to any pensioner
or beneficiary when the Commission is satisfied th at it is being
improvidently expended by the pensioner or beneficiary, and the
expense of such administration, if any, shall be borne by the Crown.
12. The following shall be the scale of pensions for total disability:
Yearly.

Rank and F ile.......................................; Squad, Battery,, or Company Sgt. Major
Squad, Battery, or Company Q. M. Sgt.
Colour Sergeant..........................................
Sergeant......................................................
Staff Sergeant..............................................
Regimental Sgt. Mjr. Not W . O ............
Master Gunner not W . O ..............................
Regimental Q. M. Sgt...............................
Warrant Officer........................ .................
Lieutenant...................................................
Captain.........................................................
Major...........................................................Lieut. C olonel.... — ...............................
Colonel.........................................................
Brigadier General.......................................

$480
510
510
510
510
510
620
620
620
680
720
1,000
1, 280
1, 560
1, 890
2, 700

13. Those who are entitled to be awarded pensions shall be divided
into six classes, and each member of each class shall be awarded a
pension in direct proportion to the partial or total disability, as
follows:
Class 1. Total disability, 100 per cent. For example:
Loss of both eyes.
Loss of both hands, or all fingers and thumbs.
Incurable Tuberculosis.
Loss of both legs at or above knee joint.
Insanity.
Permanent extreme leakage of valves of heart.
_
Class 2. Disability 80 per cent and less than 100 per cent, pension 80 per cent of
Class 1. For example:
Loss of one hand and one foot.
Loss of both feet.
Disarticulation of leg at hip.
.
■
..
Class 3. -Disability 60 per cent and less than 80 per cent, pension 60 per cent of Class 1.
For example:
Loss of one hand.
Loss of leg at or above knee.
Loss of tongue.
Loss of nose.


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OF E N LISTED M E N I N CANADA.

55

Class 4. Disability 40 per cent and less than 60 per cent, pension 40 per cent of Class 1.
For example:
Loss of one eye.
Loss of one foot.
Total deafness.
Loss of two thumbs.
Class 5. Disability 20 per cent and less than 40 per cent, pension 20 per cent of Class 1.
For example:
Loss of one thumb.
Anchylosis of elbow, knee, shoulder, wrist, or ankle.
Class 6. Disability under 20 per cent, a gratuity not exceeding $100. For example:
Total deafness in one ear.
Partial deafness in both.
Loss of index or other finger.

14. To those up to and including the rank of lieutenant, who are
disabled totally, and in addition are totally helpless so far as attend­
ance to their physical wants is concerned, a further allowance may
be made of an amount not exceeding $250 a year, but such special
allowances shall be subject to annual review.
15. Those up to and including the rank of lieutenant, who are dis­
abled and are entitled to a pension in the 1st, 2nd, or 3rd class shall
be paid, in addition to the personal pension a special allowance of $6
a month for each child; of the rank of captain, $7 a month for each
child; of the rank of major, $8 a month for each child; of the rank
of lieutenant colonel, colonel, or brigadier general, $10 a month for
each child. Child shall include a stepchild and also a child in respect
of whom the pensioner was loco parentis, but in either case only if
the relation had been established before the pensioner’s disability
arose.
16. If a member of the forces has been killed, or has died as the
result of injuries received, or disease contracted or aggravated while
on active service, the widow, until remarriage, shall be entitled to
the equivalent of the pension in Class 2, and also be entitled to draw
the allowance for children. On the remarriage of the widow her
pension shall cease, but she shall be entitled then to the gratuity
of an amount equivalent to one year’s pension.
17. If a member of the forces who has been killed, or had died as a
result of injuries received, or disease contracted or aggravated while
on active service was a widower, but leaves a child or children as
defined in Regulation 15, said child or children shall receive an allow­
ance of $12 per month each.
18. In the event of an application being made for a pension on
behalf of a woman who has, without being married to a member of
the forces, lived with him as his wife, or on behalf of the child or
children of any such man or woman, the Commission shall be author­
ized to grant the customary pension and allowances for a wife or for
a child or children, on bemg satisfied that the circumstances were
such as to warrant the conclusion that the woman had, a t the time
of enlistment and for a reasonable time previously thereto, publicly
been represented as the wife of said member, or if the Commission
is satisfied th at justice would be done by the recognition of such
woman, for the purpose of a pension, as the wife of such member.
On the marriage of the woman her pension shall cease, but she shall
be entitled to a gratuity of an amount equivalent to one year’s
pension.


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56

CABE OF D E P E N D E N T S OF ENLISTED M E N I N CANADA.

19. No allowance shall be paid to or in respect of any child if a boy
over the age of sixteen, or a girl oyer the age of seventeen, unless
owing to mental or physical infirmity the child is incapable of earning
a livelihood, in which case the allowance may, if in the discretion of
the Commission it seems best, be continued until the child is twentyone. No allowance shall be paid in respect of a child after the mar­
riage of such child.
'
,
20. No pension or allowance shall be paid to a member of the forces
or any person dependent upon him when the disability or death in
respect of which the claim is made was occasioned by the negligence
of such member, unless the Commission otherwise consent.
21. In all cases the claims by members of the forces for pensions
must be made within two years of the date of the appearance of the
disability in respect of which the claim is made.
22. A widowed mother, stepmother, or grandmother wholly or
mainly dependent upon a member of the forces who is killed or dies
as the result of injuries received or disease contracted or aggravated
while on active service, if such member was without dependent
children and unmarried, or a widower, shall be entitled to a pension
of Class 3; provided, however, that no such woman shall be entitled
to more than one pension. On the marriage of the woman such pen­
sion shall cease, but she shall be entitled then to a gratuity of an
amount equivalent to one year’s pension.
„
23. A father, wholly or mainly dependent upon the son who is a
member of the forces and who is killed or dies as a result of injuries
received or disease contracted or aggravated while on active service,
if such member was without dependent children and unmarried, or a
widower, shall be entitled to a pension of Class 3.
24. If a member of the forces to whom a pension has been granted
in either Class 1 or Class 2 dies, leaving a wife to whom he was married
a t the time of his incurring the disability in respect of which ms pen­
sion was granted, or a woman occupying a t said time the position of
a wife within the purview of Regulation 18, or leaving children by
such wife or woman, the pension for the Class next below th at granted
the said member shall be given said wife or woman and the allowance
on behalf of any child or children shall be continued subject to the
restrictions as to age as provided by Regulation 19. On the marriage
of the wife or woman her pension shall cease, but she shall be entitled
to a gratuity equivalent to one year’s pension.
25. Pensions to widows and allowances to children'shall take effect
from the day following th at on which the death of the member of the
forces in respect of whom said pension is granted occurred, and a
gratuity equivalent to two months’ pension or two months’ allowance
shall be paid the first month in addition to the pension.
26. Subject to thé approval of the Governor in Council the Com­
mission may make such rules as it deems necessary for carrying out
these regulations and the other duties assigned to it.
27. These regulations shall only apply to or in respect of members
of the forces serving in the Canadian Expeditionary forces during the
present war; and shall be deemed to have come into force on the
fourth day of August, 1914, and shall apply to or in respect of all
casualties occurring in the said forces since the said fourth day of
August.

o

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