COMMITTEE ON POST OFFICE AND CIVIL SERVICE OLIN D. JOHNSTON, South Carolina, Chairman A. S. MIKE MONRONEY, Oklahoma DANIEL B. BREWSTER, Maryland FRANK CARLSON, Kansas J. CALEB BOGGS, Delaware WILLIAM P. GULLEDGE, Staff Director and Counsel SUBCOMMITTEE ON HEALTH BENEFITS AND LIFE INSURANCE RALPH YARBOROUGH, Texas GALE W. MCGEE, Wyoming II HIRAM L. FONG, Hawaii J. CALEB BOGGS, Delaware CONTENTS STATEMENTS American Federation of Government Employees--- Emeigh, John W., secretary, National Rural Letter Carriers' Association_ Macy, Hon. John W., Jr., Chairman, Civil Service Commission, accom- panied by Andrew É. Ruddock, Director, Bureau of Retirement and In- III |