Gabrell v. Grand Lodge, Brotherhood of Railway Trainmen

A member of a mutual benefit association, holding its beneficiary insurance certificate, can not legally enforce a claim thereon for total disability, where the constitution of the association provides for payment in cases of total disability where there is “the amputation or severance of a hand, at or above the wrist joint, or an entire foot, at or above the ankle joint, or the complete and permanent loss of the sight of both eyes, or upon the *324insured becoming seventy years of age/’ and further provides that “all claims for disability not coming within the [said] provisions shall be held to…