Page Nine 



proof of poniiaiUMit total disability as aforesaid. Any in- 

 stallnionts roinaininj;' unjxiid at \ho dc^ith of the oinploycc 

 shall \)v payable^ as tlu\\' Ixm'ohu* due to the benefi( iai'>- nonii- 

 iiatinl by the employee, who shall have th(^ li^lit to coininute 

 such rcMiiaiiiiii^- payments into one sum on the basis of in- 

 terest at the rate of -S'o^ c per annum. 



"In addition to or independently of all other causes of 

 permanent total disabilit}', the Compan}- will consider the 

 entire and iriecoverable loss of the si^;ht of both eyes, oi' the 

 loss of use of l)oth hands, or of both feet, oi' of one hand and 

 one foot, as permanent total disability within the meaning 

 of this provision." 



Employees once covered under the group insurance plan 

 would be permitted to continue their insurance in the same 

 amount, after retir'ement, by continuing the payment of 

 their premium, at the group rate. Participants in the group 

 plan, on leaving the employ of the Museum for any reason 

 other than retirement, would be permitted to continue their 

 insm'ance in the same amount by converting it into independ- 

 ent insurance at the regular rate. No medical examination 

 would be required in the case of either retired or resigned or 

 dismissed employees who chose to continue their insurance. 

 Application for the conversion privilege, however, must be 

 filed within 31 days after the termination of employment. 



Policies taken out under the conversion privilege are 

 dated from the day on which application is made, and the 

 new rate is determined in accordance with the age of the 

 applicant at the date of conversion. The forms of policy 

 permitted under the conversion clause are ordinary life, 

 endowment, limited payment life, annual income, or any 

 other form customarily issued by the insuring company, 

 except term insurance. 



