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     After 20 years' service a man-o -warsman, if physically disqualified, may retire on one-half the pay he is receiving at the time he retires, and after 30 years' service he may retire on three-quarters of the pay and allowances he is receiving at the time he retires, plus $15.75 per month in lieu of rations, clothing, quarters, fuel and light. He is not compelled to serve 20 or 30 years of continuous service. If he can prove that he has served 20 or 30 years, even though not continuous, he may retire as above stated. Service in the Army or Marine Corps is also counted.

     Time served during periods of war is counted as double time. In case of disability, the man-o'-warsman receives a pension, depending upon the extent of his disability. This pension cannot be explained in dollars and cents, but is sufficient to maintain him comfortably as long as he lives.

     In case of death while in the service, the man-o'-warsman's family can apply to the regular Pension Office for a pension.


     Immediately upon the receipt of official notification of the death of an enlisted man on the active list of the Navy, from wounds or disease contracted in the line of duty the Paymaster-General of the Navy is required to pay to the man widow or other person designated by him as beneficiary, an amount equal to six months' pay at the rate he received at the date of his death, less $35.00 to defray expenses of interment.


     On board each man-o'-war in the U. S. Navy there is a Government Savings Bank, which is as safe as the Government itself, in which the man-o' -warsman may deposit his money; and he is issued a pass book, the same as in any bank, and is allowed 4 per cent. straight interest on the money so deposited.


      If the man-o'-warsman so desires, he can arrange with the captain of his ship to have a portion of his pay sent home each month through one of the Navy Pay Offices ashore. If he prefers to deposit his money in a savings bank or building association, instead of depositing it with the paymaster, the allotment can be  made in the name of such an institution, in such amount as he desires. There are several reliable banks in the seaboard cities which make a specialty of handling bluejackets' savings accounts.


     Postal service is provided on all large vessels and in flotillas, in charge of enlisted men designated by the Post Office Department and subject to its regulations. While called Navy mail clerks, they are virtually postmasters and assistants, and receive extra pay as such. No matter what part of the world he may be in, a bluejacket finds the conveniences of a United States post office aboard his ship. His mail is as safe as it would be at home.

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