{
  "id": 3375662,
  "name": "Laura M. Rexroad, Appellee, v. Grand Lodge Brotherhood of Railroad Trainmen, Appellant",
  "name_abbreviation": "Rexroad v. Grand Lodge Brotherhood of Railroad Trainmen",
  "decision_date": "1924-03-10",
  "docket_number": "",
  "first_page": "221",
  "last_page": "226",
  "citations": [
    {
      "type": "official",
      "cite": "245 Ill. App. 221"
    }
  ],
  "court": {
    "name_abbreviation": "Ill. App. Ct.",
    "id": 8837,
    "name": "Illinois Appellate Court"
  },
  "jurisdiction": {
    "id": 29,
    "name_long": "Illinois",
    "name": "Ill."
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  "cites_to": [
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      "reporter": "Ill.",
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    {
      "cite": "168 Ill. App. 344",
      "category": "reporters:state",
      "reporter": "Ill. App.",
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        5345557
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    {
      "cite": "134 Ill. 228",
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      "reporter": "Ill.",
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    {
      "cite": "193 Ill. 91",
      "category": "reporters:state",
      "reporter": "Ill.",
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      "case_paths": [
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  "analysis": {
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    "char_count": 8519,
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  "last_updated": "2023-07-14T20:59:36.655682+00:00",
  "provenance": {
    "date_added": "2019-08-29",
    "source": "Harvard",
    "batch": "2018"
  },
  "casebody": {
    "judges": [],
    "parties": [
      "Laura M. Rexroad, Appellee, v. Grand Lodge Brotherhood of Railroad Trainmen, Appellant."
    ],
    "opinions": [
      {
        "text": "Mr. Justice Boggs\ndelivered the opinion of the court.\nAn action in assumpsit was instituted by appellee in the circuit court of Madison county to recover on a certificate of insurance issued by appellant to one Oscar, H. Rexroad, husband of appellee, who was killed in an accident on May 25, 1920.\nTo the declaration, which is in the usual form followed in cases brought for recovery on insurance certificates, appellant filed a plea of the general issue and two special pleas.\nThe first special plea avers that on account of nonpayment of dues the insured was dropped, and was at no time thereafter reinstated.\nThe second special plea set out section 64 of appellant\u2019s constitution, being as follows: \u201cAll right of action upon beneficiary certificate shall be absolutely barred unless proofs of death or total and permanent disability shall be forwarded to the general secretary and treasurer, as hereinafter required within six months after the death or disability occurs; and it shall be likewise barred unless such action shall be commenced in some court of competent jurisdiction within six months after the final rejection of the claim by the Board of Insurance.\u201d And averred that proofs of death were not furnished the general secretary and treasurer within six months after the death of the insured, and that appellee did not within six months commence a suit on said certificate after the final rejection of said claim.\nA jury being waived, the cause was heard by the court, resulting in a finding and judgment in favor of appellee for the sum of $1,600, the amount of said certificate. To reverse said judgment this appeal is prosecuted.\nIt is first contended by counsel for appellant for a reversal of said judgment, that appellee\u2019s intestate failed to pay the assessment for the month of May, 1920, until May 6, 1920, and that under appellant\u2019s constitution he thereby automatically ceased to be a member of appellant order.\nSections 129 and 141 of appellant\u2019s constitution provide as follows: Sec. 129. \u201cThe dues of members of this lodge shall be paid monthly in advance, before the first day of each month, to the treasurer or collector (when such office exists) and shall be conditional upon the class of certificate held in beneficiary department, and shall not be less than the amount of the monthly assessment levied by the general secretary and treasurer on each certificate.\u201d And sec. 141. \u201cAny member of this lodge failing or refusing to pay his dues and assessments, as required by section 129, becomes expelled without any notice or further action whatsoever, and at that instant his beneficiary certificate shall be void, and all rights and benefits of beneficiary membership shall cease and be determined.\u201d\nAppellee testified without objection that on April 24, 1920, she sent by mail to L. B. Hasldns, secretary and treasurer of the local lodge, to which appellee\u2019s intestate belonged, $3 for the assessment and dues owing by the insured for the month of May. Said secretary and treasurer admits receiving the same, but insists said assessment did not reach him until May 6.\nThe only question then on this issue is as to whether or not the assessment was paid before May 1. Appellee not only testified that she sent the assessment on April 24, but testified without objection that she paid the May assessment and dues on that day. A letter from Hasldns was offered in evidence admitting the receipt of the $3 and also admitting the receipt of $2.75 sent by the insured a few days before his death, for the June assessment. There was therefore a conflict in the evidence, and it was for the trial court to say what the evidence proved. And in view of the evidence in the record we are not disposed to disturb his finding.\nIt is next contended by counsel for appellant that appellee did not furnish proofs of death within six months of the death of the insured, and that under the provisions of section 64 of appellant\u2019s constitution, appellee is barred of a right of recovery. Said section provides: \u201cAll right of action upon beneficiary certificate shall be absolutely barred unless proofs of death or total and permanent disability shall be forwarded to the general secretary and treasurer as hereinafter required within six months after such death or disability occurs. And it shall be likewise barred unless such action shall be commenced in some court of competent jurisdiction within six months after the final rejection of the claim by the board of insurance. \u2019 \u2019\nSection 64 should be read in connection with section 67 of said constitution, which provides: \u201cProofs of such death shall be made as follows: The secretary of the lodge of which deceased was a member shall promptly make a statement of such death on the form prescribed, and under the seal of the lodge, which statement shall be signed by the president and treasurer. * * * The secretary shall forward this certificate together with the beneficiary\u2019s certificate and receipts for all dues and assessments of the deceased brother for the month in which the death occurred, to the General Secretary and Treasurer.\u201d The- secretary of the local lodge failed to comply with the provisions of section 67, not making the report herein provided for, neither did he furnish appellee with the forms specified for her to fill out.\nThese questions were asked said local secretary and treasurer, on cross-examination:\n\u201cQuestion: Did you ever forward to the General Sect, and Treasurer any receipts for dues and assessments of Oscar H. Rexroad for the month of May, 1920?\n' \u2018 Answer: I did not.\n\u201cQuestion: Did you ever furnish to Mrs. Laura M. Rexroad, any forms for making proof of death, or any forms or blanks for making demand or claim under the beneficiary certificate?\n\u2018 \u2018Answer: I did not. She had no right to any. Mr. Rexroad was not a member, having been suspended at the time of his death.\u201d .\nThe law is that: \u2018 \u2018 The rules and by-laws of a benefit society should be liberally construed, and in case of an attempt by the society to declare a forfeiture will be most strictly construed against it.\u201d Coverdale v. Royal Arcanum, 193 Ill. 91; Union Mut. Acc\u2019t Ass\u2019n v. Frohard, 134 Ill. 228; Kohler v. Amalgamated Ass\u2019n of St. & Elec. Ry. Employees of America, 168 Ill. App. 344-346.\nForfeitures are regarded with disfavor in law, and the party claiming the forfeiture must establish it as an affirmative defense and by the clearest proo\u00a3. Railway, etc., Mut. Aid & Benefit Ass\u2019n v. Tucker, 157 Ill. 194-200.\nThe record discloses that appellee, within five days after the death of the insured, notified appellant\u2019s officers of his death, and it being conceded that appellee was not furnished with the form specified in said constitution for the making of proofs of death, and the said secretary and treasurer of the local lodge having failed to make a report to the general secretary and treasurer, as specified in appellant\u2019s constitution, we hold that appellee is not barred of a right of recovery for failure to make proofs of death.\nIt is next contended by appellant that the suit in question was not begun within six months from the date of the final rejection of her claim, and that under said section 64 of appellant\u2019s constitution, said suit is barred.\nWhile the record discloses that the secretary and treasurer of the local lodge had written appellee that-her husband had been dropped from appellant order for nonpayment of dues, still it was not for him to finally pass on said claim. The first notice that appellee received of the rejection of her claim, from the general officers of appellant order, was a letter which she received from the general secretary and treasurer. This letter was written on November 18, 1920, which was within less than six months of the commencement of said suit. We hold, therefore, that appellee\u2019s claim is not barred for failure to bring suit within the time specified.\nIt was also assigned as error that the trial court failed to pass on the proposition of law submitted by appellant.\nThis assignment of error was not referred to in appellant\u2019s argument, and is therefore, under the rules of this court, taken as waived.\nFinding no reversible error in the record, the judgment of the trial court will be affirmed.\nJudgment affirmed.",
        "type": "majority",
        "author": "Mr. Justice Boggs"
      }
    ],
    "attorneys": [
      "William P. Launtz, for appellant.",
      "E. L. Maher and R. W. Griffith, for appellee."
    ],
    "corrections": "",
    "head_matter": "Laura M. Rexroad, Appellee, v. Grand Lodge Brotherhood of Railroad Trainmen, Appellant.\nOpinion filed March 10, 1924.\nWilliam P. Launtz, for appellant.\nE. L. Maher and R. W. Griffith, for appellee.\nReceived from clerk of Appellate Court, August 8, 1927."
  },
  "file_name": "0221-01",
  "first_page_order": 273,
  "last_page_order": 278
}
