Daily Kennebec journal. [microfilm reel] (Augusta, Me.) 1870-1975, 1904-07-21
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ACCIDENT UNDERWRITERS
In Convention at Portland, Discuss I'm,
portant Sub iects.


portant Subjects.
Portland. Me-, July 20.-The Inter
national Association of Accident In
derwriters, today, held two bushes.
sessions and. this evening, there was
banquet at the Lafayette hotel Amono
those who discussed the topics at tho
morning session were Gen. Claim
Agent Holton of the Boston & Maine
Mr.. Moore of Philadelphia and Dir
Keller. In the afternoon the feature of
the session was the reading of a paner
by DIR. c. II. Harbaugh of Philadelphia
At the banquet the city was represent
ed by Mayor Baxter and included in ths
large company at the tables were Hon
Henry E. Turner state insurance COM
missioner of Massachusetts, and John
Linehan, state insurance commissions
of New Hampshire.
On the opening of the business ses-
sion of the underwriters, Wednesday
morning, Mr.. Houlton, general claim
agent of the Boston & Maine Railroad
was introduced and addressed the con-
vention. He spoke of the assistance
which the railroad companies and cas-
ualty insurance companies could be ia
each other. by exchanging information
concerning claimants for damages and
indemnities. He recommended that
any information thus obtained shouh
not be put on paper thus enabling said
claimants to trace it back to any spec.
ial insurance company or railroad.
VIM. B. Mann then gave statistics
on health insurance covering a period
of five years.
The discussion on, is IL advisable ia
allow indemnity for partial disability
next came before the meeting. Ex
perience in this line of insurance were
given by Mr.. Smith of the Continental
Casualty Co, Mr.. Moore of Philadel-
phia. DIR. Keller and others In order
to arrive at some conclusion. the house
was polled, the president stating the
proposition as follows: How many COM
panies here represented are paying for
policies 'covering:
1. Confinement to the house.
2. Total disability.
3. Partial disability.
The secretary will give the result of
the vote on these questions at the af.
ternOOn session.
The meeting was then adjourned in
order that the delegates might sit for
y group picture on the piazza Of The
Lafayette.
The Tuesday afternoon session of the
business meeting of underwriters was
opened by very learned and instruc-
tive paper, read by DIR. r. S. Keller
secretary of the Philadelphia Casualty
Co, on Invalidity and Sickness Insur-
ance. First he gave the historical facts
in connection with this subject, tracmg
through the medical aspect of the
question. age and invalidity, occupa-
ton and invalidity. locality and invali.
dlty.
w. c. FaXon then discussed briefly
that subdivision of health insurance
covering the advisability of using pol
icies including a limited number Of
named diseases. Several speakers fol-
lowed Mr.. Faxon on this same phase
of health insurance. AS these were
varying opinions i'm the matter the
house was polled and reasons stated
for voting yea or nay. The majority Of
the delegates. however, favored the dis
continuance Of limited health policies.
on account of the many misunstand-
ings and the great loss of business
which such policies occasioned.
The meeting at this time was inter-
rurted by the arrival of Mayor Bax-
FOL who in onydia1
tended hearty welcome to the city Of
Portland. Business then proceeded to
the sub-topic of health insurance;
should higher rates be obtained for
general health policies?
This was discussed by w. c. Faxon,
VIM. Bro. Smith, DIR. Keeler, Mr..
Mo. ore, Mr.. Fibel.
The next topic under this same head
ing was should premiums be based on
the age of the insured?
Although this had been covered In the
discussion of a previous question E.
G. Robinson of Mansfield, Ohio, gave
an interesting talk on the matter, pre-
senting many new and clear sides OF
the question. DIR. Keller also had
paper on this subject.
As there were no statistics at hand
on the next number for debate it was
deemed wise to pass over. Does Occu-
patton Affect the Hazard the Same as
in Accident Insurance.
Laying the matter of ACCESSIBILITY to
allow indemnity for partial disability.
aside the meeting then proceeded to
poll the house to ascertain the senti-
ment of the different companies con-
corning the length of the time for which
a weekly indemnity should be paid.
1t was the unanimous desire of the
delegates that rs weeks should be
placed as the maximum limit for
indemnities to be paid. The meeting
was adjourned until 10 o'clock, Wednes-