Tulsa daily world. [volume] (Tulsa, Indian Territory [Okla.]) 1905-1919, 1911-06-09
TELLS Of WASTE
IN ALL america
BRANDIlIS DEPICTS PRESENT
DAY SOCIAL RESPONSIBILITY.
Freedom COMING HIGH
DclNcs Into Question Of WorlSlngmcn's
InsuranCc-tho Cost of Nom
Employment.

| BY Associated Press.
Boston, June S,--The huge waste
OF the present Industrial system in
America was heavily scored by Mr..
Louis d. Brandeis Of this city in an
address on "WorkIngmens Insurance
the Road to Social Efficiency be-
fore the National Conference Of Char
tiles and Correction hero this evening.
Mr.. Brandels said in part
Throughout the civilized world
| developing sense Of social responsible
| ity has compelled the community TO
support in some manner It's needy
members whatsoever .1e cause Of
their inability 10 support themselves.
In granting this aid we are passing
from sporadic, emotional charity to
organized charity, and from mere re-
lief to preventive measures. We have
TO learn that financial dependence
among the wage earners IL due In
a large part to sickness, accident, in
validity approximation or unemploy-
ment, or to the premature death Of
the bread winner OF tho family Con-
tingencles like these, referred to in
individual cases, as misfortune are
now recognized are ordinary Incidents
o fthe lives OF the wage earners and
must be met by a comprehensive sys-
TEN OF worklngmen's insurance.
American democracy rests upon
the basis Of the free citizen. Political
Ia Ill, a. a..
80 far as laws can make him so-but
ia he really free, can any man be real
ly free who is constantly I'm danger Of
becoming dependent for mere subsIs-
tenco upon somebody and something
else than his own eXertlon and con-
!, duct. Men are not FREQ while finan-
cialy dependent upon the viii Of
ence Is consistent with freedom only
where the claim to support rests upon
right and not upon favor,
THE cost attending freedom is US
ually high and the cost OF providing
TO tho workdngman, as essential to
freedom. n comprehensive and ade-
quate system Of insurance will prove
Few intelligent property owners omit
to insure against fire. Everybody
recognizes the fire insurance premium
as current expense, and yet the
chance of loss by fire Is very slight as
compared with the chance OF loss to
man by sickness, accident or prema-
turo death. Every Intelligent
manufactures makes in some form a
regular charge for depreciation Of
machinery and plant, and yet the
depreciation OF a man through inval-
idlty and approximation is no less
certain and frequently more severe
than tho depreciation Of machinery.
Every intelligent manufacturer rec
opnzes rent, interest and taxes as
current daily charge which continues.
although his plant Is shut down or
operating at less than full capacity;
but the cost to the employer Of carry
Ing an unused plant Is not as great
relatively as the cost to the employee
Of carrying himself and family while
unemployed.
what sum would be required an
nually to provide an adequate system
OF workingmen's insurance cannot be
determined from existing data The
cost would obviously vary greatly in
different OCCUPATIONS and different
communities. An amount equal TO
10 per cent OF current wages would
20 far towards relieving in many in
dustries the distress now incident TO
sickness, accident. invalldity. prema-
ture death. approximation and un-
employment OF tho WACO Garner. But
II ls certain that the proceeds Of even
40 large O change as 10 per cent OF
the average daily wage would under
present conditions, afford mere alle-
walton OF and not indemnity for the
losses now attendant upon those con-
tingencies IN the life Of the working
man. The cost Of providing complete
indemnity would probably reach an
amount equal to 25 per cent OF the
average daily wage, for the premiums
requisite to securing indemnity from
losses incident 10 sickness, accident
| |invalldity premature death or super
annuation would probably aggregate
i5 per cent Of the daily wage. while
| the average percentage required to In
| demnlty for unemployment due 10 lack
Of work would probably reach about
10 per cent This huge and appar-
emily prohlbitive expense should not,
however, deter us from taking action
now II should, on the contrary, in
cite us 10 immediate and vigorous
measures. II would disclose how vast
the waste incident TO present social
and Industrial conditions is, and when
the extent Of that waste shall have
been determined and made clear to
our people, a long step forward will
have been taken on the road TO Inn
provement and resulting social econ
omy"