1. Congress may accept, or require, the military services of
minors, with or without the consent of their parents. P.
302 U. S.
48.
2. Under 34 U.S.C. § 161 minors between the ages of 14 and 18
years are not accepted for enlistment in the Navy without their
parents' consent; but the statute does not confer upon or leave
with the parents any right to condition consent to their sons'
enlistment. P.
302 U. S.
49.
3. No Act of Congress permits enlistment of minors upon
condition or upon the qualified consent of parents, nor does any
Act authorize recruiting officers to bind the United States to
carry, or to require an enlisted man to carry, War Risk insurance
for his own protection or for the benefit of any person. P.
302 U. S.
50.
4. Parents consented to the enlistment of their son on condition
that he carry War Risk insurance of specified amount in behalf of
his mother. Before his death in the service, the son had taken out
and later had cancelled, such insurance.
Held that the
condition did not bind the United States; that the son had a right
under the War Risk Insurance Act to cancel the insurance, and that
the mother had no cause of action against the United States. P.
302 U. S.
50.
86 F.2d 746 reversed.
Certiorari, 301 U.S. 673, to review the affirmance of a judgment
against the United States on a War Risk insurance policy.
MR. JUSTICE BUTLER delivered the opinion of the Court.
Respondent brought this suit in the federal court for the
Northern District of Illinois to recover war risk insurance
Page 302 U. S. 47
on the life of her minor son, Benson Charles Williams, who died
while serving in the navy. Trial by jury having been waived, the
court made findings of fact, stated its conclusions of law, and
gave judgment for the plaintiff. The Circuit Court of Appeals
affirmed. 86 F.2d 746.
The findings show: plaintiff's son was born August 27, 1901, and
January 13, 1919, enlisted in the navy for the period of his
minority. At that time, defendant issued a certificate of term
insurance binding itself, in case of his death while insured, to
pay plaintiff $10,000 in 240 equal monthly installments; he
directed defendant to deduct premiums from his pay; his parents
executed a writing by which they consented to the enlistment,
released their claim to his pay, approved the transactions between
him and defendant, and declared that their consent was given on the
condition that, during enlistment, he would carry war risk
insurance in the sum of $10,000 in behalf of his mother. July 20,
1920, he made written request that his insurance be terminated.
Thereafter, defendant made no deductions from his pay on account of
premiums. The insured died June 30, 1921. At all times until his
death, his uncollected pay was more than enough to keep the
insurance in force. Upon learning of her son's death, plaintiff
demanded payment of the insurance. When notified by defendant of
her son's cancellation, she repudiated it, offered to pay all
premiums, reiterated her claim as beneficiary, and, defendant
having rejected it, brought this suit.
The Circuit Court of Appeals reasoned as follows: plaintiff's
consent was essential to the enlistment and was given on condition
that the insurance be maintained. The minor and defendant could not
set the condition at naught. Defendant could not avail itself of
his services, to which it was entitled only if his mother so
agreed, and ignore the condition upon which the agreement was
obtained. Defendant was charged with notice of plaintiff's
Page 302 U. S. 48
interest as beneficiary and, the cancellation not having been
ratified by her, defendant was bound to collect the premiums and
maintain the insurance by deductions from the pay of the insured.
On that basis, the court concluded that the insurance remained in
force and that plaintiff is entitled to recover.
The opinion strongly puts the considerations that make in favor
of plaintiff's claim, but neglects the distinction between private
employment of minors and their service in army or navy, and fails
to give effect to the law applicable to contracts of enlistment and
to the terms upon which the government granted the war risk
insurance here in question. In virtue of its power to raise and
support armies, to provide and maintain a navy, and to make rules
for the government of land and naval forces, the Congress may
require military service of adults and minors alike. [
Footnote 1] The power of the United States
may be exerted to supersede parents' control and their right to
have the services of minor sons who are wanted and fit for military
service. [
Footnote 2] And the
Congress may confer upon minors the privilege of serving in land or
naval forces, authorize them to enlist, or draft them upon such
terms as it may deem expedient and just. [
Footnote 3]
Page 302 U. S. 49
The statute under which plaintiff's son was accepted declares
that minors between ages of 14 and 18 years shall not be enlisted
in the navy without the consent of their parents. [
Footnote 4] It means that, while minors over
18 may enlist without parental permission, the government elects
not to take those between 14 and 18 unless their parents are
willing to have them go. It is a determination by Congress that
minors over 14 have capacity to make contracts for service in the
navy. [
Footnote 5] And it is in
harmony with rulings under the common law to the effect that
enlistment of a minor for military service is not voidable by him
or his parents. [
Footnote 6]
Enlistment is more than a contract; it effects a change of status.
[
Footnote 7] It operates to
emancipate minors at least to the extent that, by enlistment, they
become bound to serve subject to rules governing enlisted men and
entitled to have and freely to dispose of their pay. [
Footnote 8] Upon enlistment of
plaintiff's
Page 302 U. S. 50
son and until his death, he became entirely subject to the
control of the United States in respect of all things pertaining to
or affecting his service.
The statute does not confer upon or leave with the parents any
right to condition consent to their sons' enlistment. No act of
Congress permits enlistment of minors upon condition or upon the
qualified consent of parents, nor does any act authorize recruiting
officers to bind the United States to carry, or to require an
enlisted man to carry, war risk insurance for his own protection or
for the benefit of any person. It follows that defendant was not
bound by the condition on which the trial court found that the
parents consented to the enlistment of their minor son. [
Footnote 9]
War risk insurance was made available to those in active
military service for the greater protection of themselves and their
dependents. [
Footnote 10] By
the insurance contract, of which applicable provisions of statutes
and regulations constitute a part, [
Footnote 11] the insured minor was authorized to allot a
part of his pay for the payment of premiums, [
Footnote 12] to change beneficiaries without
their consent [
Footnote 13]
and to cancel the insurance in whole or in
Page 302 U. S. 51
part. [
Footnote 14] It
follows that the cancellation was valid, and plaintiff is not
entitled to recover. [
Footnote
15]
Reversed.
[
Footnote 1]
Tarble's Case,
13 Wall. 397,
80 U. S. 408.
In re Grimley, 137 U. S. 147,
137 U. S. 153;
Selective Draft Law Cases, 245 U.
S. 366,
245 U. S.
377-378,
245 U. S. 386;
Hamilton v. Regents, 293 U. S. 245,
293 U. S.
262-264;
United States v. Blakeney, 3 Grat.
405, 408.
Lanahan v. Birge, 30 Conn. 438.
[
Footnote 2]
United States v. Bainbridge, 24 Fed.Cas. No. 14,497, p.
950, per Story, J.;
Commonwealth v. Gamble, 11
Serg.&R. 93, 94, per Gibson, J.;
Com. ex rel. Engle v.
Morris, 1 Phila. 381;
In the matter of Beswick, 25
How.Prac. 149, 151;
Halliday v. Miller, 29 W.Va. 424, 439,
1 S.E. 821.
[
Footnote 3]
United States v. Bainbridge, 24 Fed.Cas. No. 14,497, p.
950;
In re Riley, 20 Fed.Cas. No.11,834, p. 797, per
Blatchford, D.J.;
In re Davison, 21 F. 618, 622;
In re
Cosenow, 37 F. 668, 670, per Henry Billings Brown, D.J.;
United States v. Blakeney. 3 Grat. 405, 416;
In re
Gregg, 15 Wis. 479.
[
Footnote 4]
"No minor under the age of fourteen years shall be enlisted in
the naval service, and minors between the age of fourteen and
eighteen years shall not be enlisted for the naval service without
the consent of their parents or guardians."
34 U.S.C. § 161. (
See R.S. §§ 1419, 1420, as amended by
Acts May 12, 1879, 21 Stat. 3; February 23, 1881, § 2, 21 Stat.
338; August 22, 1912, § 2, 37 Stat. 356).
[
Footnote 5]
In re Morrissey, 137 U. S. 157,
137 U. S. 159;
In re Davison, 21 F. 618, 623;
In re Gregg, 15
Wis. 479;
United States v. Blakeney, 3 Grat. 405, 414-415;
United States v. Bainbridge, 24 Fed.Cas. No.14,497, p.
951.
[
Footnote 6]
In re Morrissey, 137 U. S. 157,
137 U. S. 159;
United States v. Blakeney, 3 Grat. 405, 413.
[
Footnote 7]
In re Grimley, 137 U. S. 147,
137 U. S. 151;
In re Morrissey, 137 U. S. 157,
137 U. S.
159.
[
Footnote 8]
In re Morrissey, 137 U. S. 157,
137 U. S.
159-160;
In re Miller, 114 F. 838, 842-843;
United States v. Reaves, 126 F. 127, 130;
United
States v. Bainbridge, 24 Fed.Cas. No.14,497, p. 951;
Baker
v. Baker, 41 Vt. 55, 57;
Halliday v. Miller, 29 W.Va.
424, 439, 1 S.E. 821;
Gapen v. Gapen, 41 W.Va. 422, 425,
23 S.E. 579;
Iroquois Iron Co. v. Industrial Comm'n, 294
Ill. 106, 109, 128 N.E. 289; 1 Schouler, Domestic Relations (6th
Ed.) § 754, p. 820.
[
Footnote 9]
Utah Power & Light Co. v. United States,
243 U. S. 389,
243 U. S.
408-409;
Wilber Nat. Bank v. United States,
294 U. S. 120,
294 U. S.
123-124.
[
Footnote 10]
War Risk Insurance Act of October 6, 1917, § 400, 40 Stat.
409.
[
Footnote 11]
White v. United States. 270 U.
S. 175;
Lynch v. United States, 292 U.
S. 571,
292 U. S.
577.
[
Footnote 12]
War Risk Insurance Act of October 6, 1917, § 202, 40 Stat.
403.
[
Footnote 13]
Id., § 402, 40 Stat. 409:
"Subject to regulations, the insured shall at all times have the
right to change the beneficiary or beneficiaries of such insurance
without the consent of such beneficiary or beneficiaries, but only
within the classes herein provided."
Bulletin No. 1, promulgated October 15, 1917:
"The insured may at any time, subject to the regulations of the
bureau, change the beneficiary or beneficiaries to any person or
persons within the classes permitted by the act, without the
consent of the beneficiary or beneficiaries."
Regulations and Procedure, U.S. Veterans' Bureau, 1928
(Washington, 1930) Part 2, pp. 1235, 1237.
[
Footnote 14]
T.D. 48 W.R. provides:
"The yearly renewable term insurance shall . . . lapse and
terminate . . . (c) Upon written request . . . to the Bureau . . .
for cancellation of the insurance, in whole or in part, and
corresponding cessation or reduction of the payment of premiums . .
."
Regulations and Procedure, U.S. Veterans' Bureau, 1928
(Washington, 1930) Part 1, pp. 19-20.
[
Footnote 15]
White v. United States, 270 U.
S. 175,
270 U. S. 180;
Von Der Lippi-Lipski v. United States, 55 App.D.C. 202, 4
F.2d 168, 169;
United States v. Sterling, 12 F.2d 921,
922;
Lewis v. United States, 56 F.2d 563, 564;
Irons
v. Smith, 62 F.2d 644, 646.