The mirror. (Stillwater, Minn.) 1894-1925, 1911-03-16
Employers Liability Insurance
ID Germany.
By r. II.
By r.. e.
Paper Read Before tie chouta,.qua cyrois:

1000 law OF insurance OF Ola age
and Invalidity." This law is entire
" for the benefit of every wage
earning person whose professional
income does not exceed 5000 marks
per year. The employee is thereby
compelled to give certain per cent.
Of his weekly or monthly earnings
to this liability insurance. Two
thirds of this is paid by the employee
and one third by the employer.
The general impression in this
country is that this is system of
State Insurance, where the govern
ment collects the premiums from the
employer or employee only, is false.
1t is "a system Of maintenance for
old age and invalidity, governed by
each province itself, to which each
wage earning person is by law fore
ed to belong. The responsibility of
the employer is transferred from his
individuality to these associations.
The amount of libility is absolutely
fixed by law and is entirely indie
pendent of the negligent question.
After a man has learned his profess
sion and his wages are fixed at a
certain scale of wages, the employer
has to provide his man with card
of this liability insurance, which is
issued by the government through
the police department. Herein are
liability stamps to be placed, weekly
or monthly accordingly as the man
receives his wages. These stamps
are issued through the post-office
department. Each card is good for
fifty-two weeks and when full can
be exchanged at police headquarters.
When man changes his place of
employment it is his duty to see
that his employer has placed the
full amount of stamps for all the
time he has worked on this card, and
also the right stamps according to
his earnings. No man can buy
higher or more valuable stamps then
the percentage scale which his earning
allows him, in order to receive more
insurance benefit in case of accident.
For instance if a person with year
ly income of | 500 marks would buy
stamps belonging to the class Of a
5000 mark he is violating the law.
In case Of accident, the amount of
liability to the injured in event Of
total disability. is fixed at a certain
percentage of his wages earned dur
ing his working time. This is re-
ceivable in one whole amount or
payable monthly for life. If the ac-
cident is of partial disability, the
the amount is proportional to the
impairment of his earning power.
Here the only difficult question to be
settled would be the question of
further earning power of the injured
man. In event of death, a pension
is paid to the widow during her
widowhood and to each child under
sixteen years of age, but this pension
does not exceed the amount the man
himself would have received if total
ly disabled. Further benefits are
that the disabled are sent to govern
ment hospitals located in forestry,
ON sea shores, or at hot and cold
springs.
The woman is entitled to the
same benefits, or even more than the
men. If she enters into marriage
and intends to cease working she
may reclaim the amount which she
paid into this treasury, but if she
reclaims this money her percentage
of the amount paid to people of old
age is much less than if she had left
the amount standing. An example:
A woman reclaims her two-third
per cent. and after some time COM
mences working again, stamps have
to be bought and the percentage