
    Mary J. Teckemeyer, Appellant, v. The Supreme Council, Royal Templars of Temperance, Respondent.
    
      Mutual assessment insurance—promise by the wife of the financial secretary of an association acting for him to extend the time for the payment of an assessment.
    
    In an action brought to recover upon a certificate issued by the defendant, an assessment insurance company, it appeared that the insured, Julius Teckemeyer, became a member of the company in 1878, and had paid all dues and assessments to May 10, 1893. He died August 10,1893, and at that date owed three dollars upon an assessment due July 10, 1893, and four dollars upon an assessment due on the day of his death. On August 11, 1893, the'plaintiif and beneficiary paid seven dollars to the wife-of the financial secretary of the association, who had frequently acted for him in the receipt of premiums; and was in posses"sion of receipts signed in blank, and received a receipt from her, she not thep knowing that Julius Teckemeyer was dead. It had been customary to allow a delay which.varied from two days to six months in the payment of a large number of prior assessments paid by the deceased, and there was no provision in the certificate, nor was there any in the constitution, by-laws or regulations of the defendant, forbidding the financial secretary from extending the time for the payment of an assessment.
    Upon the trial of the action the plaintiff offered to show that when she paid, before the death of the insured, the assessments due in April, May and June, 1893, the wife of the financial secretary told her that if the other assessments were paid on or before August 20, 1893, the payment would be in time and would be received.
    
      Held, that the evidence was competent;
    That if the financial secretary had power to extend the time for the payment of an assessment, and if his wife, while discharging hi's duties, agreed to extend the time until August 20, 1893, the plaintiff, upon making proof of these facts, would "have been entitled to recover.
    Motion by the plaintiff, Mary J. Teckemeyer, for a new trial oft a case containing exceptions, ordered to be heard at the General Term in the first instance upon the-verdict of a jury in favor of the defendant, directed by the court after a trial at the Erie Circuit oft the 14th day of "January, 1895.
    
      William L. Jones, for the plaintiff.
    
      J. H. Tatem, for the defendant.
   Follett, J.:

This action was begun April 17, 1894, by the beneficiary, named in a certificate issued by the defendant, to recover the amouftt which it agreed to pay on the death of a member of the- association.

The defendant was incorporated-by chapter 586 of the Laws of 1880, and belongs to the class of corporations known as mutual benefit societies. By the act it is authorized to- create and hold a' fund, and pay therefrom a sum not exceeding $5,000 on the death of any of its members, pursuant to such rules and regulations as the corporation may adopt, power being conferred to make, from time to time, rules, by-laws and regulations for the management óf" its affairs.

On October 15, 1878, Julius Teckemeyer was admitted as a member of this corporation through Protection Council No." 38, and-certificate Ño. 2,152 issued to him, which provides: “ In case he is in good standing at the time of his decease, his heirs.or legal representatives shall be entitled to the sum of $1.00 from each and every active member, in good standing, not exceeding two thousand, and he now directs, that in case of his death, it be paid to his wife, Mary Teckemeyer. * * * The conditions of this certificate are such that should the above-named J. Teckemeyer be suspended or expelled * * * for non-payment of dues or assessments, then all rights and benefits which the said J. Teckemeyer or his legal heirs or representatives, as above named, may have upon the beneficiary fund of this order shall be forfeited.”

It is conceded that Julius Teckemeyer had paid all the dues and assessments from the date of his certificate, to and including May 10, 1893, a period of fifteen years, and that if the plaintiff is entitled to recover, she is entitled to receive $2,000, with interest.

August 10,1893, the member was stricken with cerebral apoplexy* and died at five-thirty-five p. m. of that day. At the time of his death he was owing three dollars on the assessment due July 10, 1893, and four dollars on the assessment due August 10, 1893, the date of his death. Seven dollars was the total sum of his arrears. August 11, 1893, the plaintiff paid to the wife of the financial secretary seven dollars and received a receipt, Exhibit B, for the assessment dtie June 10, 1893, previously paid and no receipt taken, and receipts, Exhibits O and D, for the assessments due July 10 and August 10, 1893. These receipts were signed by the financial secretary in blank and left with his wife, to be filled and delivered on receiving payment. They were dated August 8, instead of August 11, 1893, by mistake, a rubber stamp being used for dating, which had not been changed since August 8, 1893. When the money was received and receipts given the wife of the financial secretary did not know that the member was dead, but was informed of the fact by the plaintiff as soon as the receipts were delivered. The record does not show whether the sum then paid has been returned, or offered to be returned, to the plaintiff.

The sole defense interposed is, that Julius Teckemeyer, at the date of his death, was not a member in good standing, by reason of his failure to pay three assessments o'f four dollars each, the first of which fell due June 10, 1893, the second July 10, 1893, and the third August 10, 1893.

It was proved that about August 3, 1893, the member paid five dollars to the defendant, which paid the assessment due June 10, 1893, and one dollar of the assessment due July 10, 1893, so that at this date (about August 3, 1893)' Julius Teckenieyer was recognized as a member, notwithstanding the fact that the assessment due July 10, 1893, was twenty days in arrear. _ The defendant had not then expelled or suspended Teclcemeyer or refused to recognize him as a member in good standing, but received from him one dollar on the assessment due July 10, 1893, which was the only one then in arrear. By receiving payment of one-fourth of the assessment due July tenth the defendant waived the payment thereof on the day it was due and recognized the right of the member to thereafter pay the three dollars unpaid thereon.

The defendant’s constitution provides that the financial secretaries of protection councils sháll give notice and receive payments of assessments levied on the members of such councils (Const. art. 7, § 6) and' pay over the moneys to the'supreme secretary of the defendant, whose duty it is to levy assessments, receive payments thereof through the secretaries of the protection councils and transmit the moneys to defendant’s supreme treasurer. (Const. of Supreme Council, art. 4, § 11.) Between Júly 1,1885, and April 1,1893, fifty-three assessments were levied on this member; one was paid when due, the dates when two were paid do not appear, and fifty-one were paid to the; financial secretary of Protection Council No. 38, at dates varying from two days to six months after they were due, and were transmitted by the financial secretary to the defendant’s supreme secretary and by him turned over to the supreme treasurer. These facts were established by undisputed evidence, and they would have justified the court in holding, as a matter of law, that these officers were authorized to accept from members payment of assessments after they became due, and were sufficient to. authorize the jury to .find that the secretary of Protection Council No. 38 was authorized to extend the time for the payment of assessments levied on this member. It was conceded that for three years, including 1893, Otis F. Simmons Was the financial secretary of Protection Council No. 38, and that during that time his wife was authorized to act for him in his business.” During these three years the assessments levied on this member were usually paid by his wife and generally to the wife of the financial secretary, who gave receipts for such payments, which were signed in blank by the secretary, and were filled ont by her. None of these facts were questioned by' the defendant. These facts being established, the plaintiff offered to show that, when she paid the assessments due in April, May and June, 1893, to the wife of the financial secretary of Protection Council No. 38, she said that if the other assessments were paid on or before August 20, 1893, such payment would be in time and would be received. The defendant objected to this evidence; the objection was sustained, and the plaintiff excepted. There is no provision in the certificate which prohibits the officers of the defendant or the financial secretary of Protection Council No. 38 from extending the time for the payment of assessments, and our attention has not been called to any such prohibition, nor do we find any in the constitution, by-laws or regulations of the defendant. In the absence of such a prohibition, and, under the facts proved and admitted, it was .competent for the plaintiff to show that the wife of the financial secretary of Protection Council No." 38, while duly acting for the secretary, extended the time for the payment of the assessments until August 20, 1893. Had such an agreement been testified to, the case would have presented two questions of fact: (1) Was the financial secretary of Protection Council No. 38 authorized to extend the time for the payment, by this member, of his assessments % (2) Did the wife of the financial secretary, while duly engaged in discharging his duties, agree to extend the time for the payment of the assessments levied on this member until August 20, 1893 ? Had these two issues been found for the plaintiff she would, under the evidence in this record, have been entitled to recover on her certificate.. (Homer v. Guardian Mutual Life Ins. Co., 67 N. Y. 478; Powers v. Prudential Ins. Co., 83 Hun, 254; affd., 145 N. Y. 654; Classey v. Metropolitan, Ins. Co., 84 Hun, 350; King v. Masonic Life Assn., 87 id. 591.) •

The plaintiff’s exceptions should be sustained and a new trial granted, with costs to abide the event.

All concurred.

Motion for a new trial granted, with costs to abide the" event.  