The Vinita weekly chieftain. [volume] (Vinita, Indian Territory [Okla.]) 1902-1905, 1904-10-20
woRKlNcMEN's INSURANCE
Progress Made in Germany in This
Line-vast System Has
Been Built UP.

Been Built UP.
State insurance in Germany tas IN
comparatively short time attained pro.
portions that are hardly suspected BY
people OF other countries. Il il nolone-
or TO be regarded a. experimental.
The London Times In a careful series
Of articles describing German industrial
conditions. which is being reprinted by
our state department In its consular re-
ports, says that IL is impossible TO doubt
that the general well-being OF the work
inR classes is in a large measure due TO
state insurance.
For 20 years Germany has tried gen
eral compulsory insurance Of workmen
against illness. Different branches OF
Industry mines. manufactures. build
ing trades and hand trades-haye their
own Insurance funds. and there are also
he old registered societies Then, to
cover the remaining Industrial popula-
lion. there are general public funds es-
iabllshed for the separate localities.
grouped in districts. aud II these are in
adequate the local corporation itself
becomes the Insurance oflee
The rate Of contributions depends on
the rate Of earnings It varies from 2
10 per cent of the average earnings
of each class Of workmen but in the
case OF the corporations II is from ! y
20 per cent Of the wage Of the ordinary
DAY laborer Two-thrds of the amount
Is payable by the person insured and
one-thlrd by the employer The benefit
Is pasa able for not more ;han i3 weeks;
Il includes mediea treatment drugs.
etc. free and sick pay beginning from
the third day Of incapaclty OF free treat
ment IN the hospital with half pay for
the sick PERSONS family
The enormous total of help rendered
:, shown b. the fact that in 1901 aid was
extended 10 e6ii7 7t2 people Tor Ge0oo.
coo total DAYS of illness The average
duration of sick benefit vas thus a
week As many cases u illness mnst
have lasted a coed deal longer & would
seem that even sllrhi and brief illnesses
are compensated for
Accident insurance dates back 10
shout the same period a. sickness In
sufance. and both cge their inception 20
the Initiative Of Emperor William I.
Under the new laws the burden OF prov
ing liability rests now on the injured
only in cas1s az Intentional Injury or
for amounts exceeding the regular in
surance payment There are special
provisions for prisoners and govern
ment oficials Industry" Includes AT
workmen and ofhclals wlth = SALARY not
exceeding Ei50 tt7a0l q year who are
employed IN specified Industrial pur-
suits
There is no claim for compensation
vhen an accident Il Intentionally caused
by the injured person Otherwise COM
pensatlon Il payable 20 long a. the In
iured Is unit 10 work. In case Of com
plete ineapaeity the allowance Is two
thirds OF the previous earnings. in ease
Of partial ineapaeity Il is in proportion
10 the impairment. In case of death the
compensation is burial money u not
less than 81 otherwise one fifteenth Of
the annual earninfs aud an allowance %
the family. which varies according %
circumstances. from - 10 50 per eent oi
the annual earnings
In 1901 d nearly 50oa 000 persons IN
sured 5000 we're Injured and 4s7s
killed The compensation paid amount.
ed to tis3as 00o.
The most receHs form OF industrial
state Insurance ie that iuteaded 70 re-
lieve lnhrmity snd old Hge Il applies
c0mpuleoriiy to all persons IN receipt
OF less than s4s7 year uf wages aud
voluntarily 10 those Who receive wages
from tfs7 - $3.50 old-ase Insurance is
payable AZ - shether iHe recipient d
lnfrm or not Ia addition to these main
provisions payments are made under
certain conditions on the occasions ol
marriage. disshlns accident and death
The allowances are reel oned in Ave
Glasses. ranging from t21 10 f56 In the
case of old age and 20 $50 10 the ease u
lnhrmlfy The ayeraRe 10 both classes
isa little abose 80 Thetoisi payments
under the various classes amounted in
1901 10 81 90 O00
IN al. therefore So 800 900 year was
being expended three yean aeo ln earl-
Gus forms q state OF rlnts. directed in
saranoe The sum Is probably eonsid-
erahly greater noe. possibly near the
hssadrea- fpiiiiau marx