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have received during his entire period of service, such annuity not to exceed a maximum of six hundred dollars. In case of the death of such an employee prior to the payment to him in annuities of sums equal to the amount of the deductions from his salary, pay, or compensation, with interest as herein before provided, the United States shall pay to his legal representatives the balance remaining to his credit.

SEC. 10. That every employee to whom this act applies who shall continue in the classified service after the passage of this act, as well as every person to whom this act applies who may hereafter be appointed to a position or place, shall be deemed to consent and agree to the deductions made and provided for herein and shall receipt in full for the salary, pay, or compensation which may be paid monthly or at any other time, and such payment shall be a full and complete discharge and acquittance of all claims and demands whatsoever for all services rendered by such person during the period covered by such payment, except his claim for the benefits to which he may be entitled under the provisions of this act, notwithstanding the provisions of sections one hundred and sixty-seven, one hundred and sixty-eight, and one hundred and sixty-nine of the Revised Statutes of the United States and of any other law, rule, or regulation affecting the salary, pay, or compensation of any person or persons employed in the classified civil service to whom this act applies.

SEC. 11. That the Secretary of the Treasury shall prepare and keep all needful tables, records, and accounts required for carrying out the provisions of this act. The records to be kept shall include data showing the mortality experience of the employees in the service to which this act applies and the rate of withdrawal from such service, and any other information pertaining to such service that may be of value and may serve as a guide for future valuations and adjustments of the plan for the retirement of employees. The Secretary of the Treasury shall make a detailed comparative report annually to Congress showing all receipts and disbursements under the provisions of this act, together with the total number of persons receiving annuities and the amounts paid them.

SEC. 12. That the provisions of this act shall apply only to persons in the classified civil service in the executive departments and independent Government establishments in the District of Columbia whose salary, pay, or compensation is paid from moneys of the United States. No person serving in a position excepted from examination as defined in the civil-service rules shall be included within the provisions of this act. Whenever any person becomes separated from the classified civil service by reason of appointment in the unclassified service, such separation shall operate to take him out of the provisions of this act, except as to payment of any amount that may be due him. The President shall have power, in his discretion, to exclude from the operation of this act any group of employees whose tenure of office is intermittent or of uncertain duration.

SEC. 13. That none of the moneys mentioned in this act shall be assignable, either in law or equity, or be subject to execution or levy by attachment, garnishment, or other legal process; nor shall any moneys paid to any employee, or to the legal representatives of a deceased employee, be subject to the payment of the debts of such employee.

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SEC. 14. That for the clerical and other service and all other expenses necessary in carrying out the provisions of this act during the fiscal year nineteen hundred and including salaries and rent in the District of Columbia, there is hereby appropriated the sum of twenty thousand dollars, out of any money in the Treasury not otherwise appropriated. No officer or employee receiving a regular salary or compensation from the Government shall receive any additional salary or compensation for any service rendered in connection with the system of retiring employees provided for by this act.

SEC. 15. That the Secretary of the Treasury is hereby authorized to perform or cause to be performed any or all acts, and to make such rules and regulations as may be necessary and proper for the purpose of carrying the provisions of this act into full force and effect; and his decision as to the amount to be deducted, the amount of interest to be credited, the amount of an annuity or refund to be paid, in any case, shall be final and conclusive, and shall not be subject to review by any other officer or authority.

APPENDIXES.

The commission has not undertaken to discuss the actuarial principles involved in the statistics presented for the reason that they are fully set forth in Senate Document No. 745 (61st Cong., 3d sess.), entitled "Savings and Annuity Plan Proposed for Retirement of Superannuated Civil Service Employees," and it was thought better to attach that document as an appendix to this report. (Appendix A.) The commission has not undertaken to review in its report the history of other countries in retiring civil employees. The experience of England and two of its principal colonies in retiring their civil employees has been fully discussed in Senate Document No. 290 (61st Cong., 2d sess.), entitled "Civil Service Retirement, Great Britain and New Zealand," and Senate Document No. 420 (61st Cong., 2d sess.), entitled "Civil Service Retirement, New South Wales, Australia." It was thought better to attach these documents, as appendixes rather than to repeat their substance in the body of the commission's report. (Appendixes B and C.)

The commission has not undertaken to discuss in detail the various bills presented to Congress for the retirement of civil employees. Copies of House bill 9242, House bill 19399, and Senate bill 5863, all of the Sixty-second Congress, are, however, attached to this report. These bills, together with the bills set forth in Senate Document No. 745, above referred to-namely, bills known as the Perkins bill, Gillett bill, and the Austin bill-comprise the most important bills that have been before Congress relative to the subject of retirement allowances. (Appendix D.)

The commission attaches to this report a copy of the schedule which it prepared and distributed through the offices of the civil service in the District of Columbia, calling for information with regard to each employee. It is the information collected on the 22,754 schedules returned by the departments and independent Government establishments which formed the basis of the calculation as to the amount of loss sustained by the Government through the inefficiency of its aged employees. (Appendix E.)

Respectfully submitted.

F. A. CLEVELAND, Chairman.

W. F. WILLOUGHBY.

W. W. WARWICK.

FRANK J. GOODNOW.

M. O. CHANCE, Secretary.

APPENDIX A.

(Senate Document No. 745, 61st Congress, 3d Session.)

SAVINGS AND ANNUITY PLAN PROPOSED FOR RETIREMENT OF SUPERANNUATED CIVIL-SERVICE EMPLOYEES

BY

HERBERT D. BROWN.

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