New Ulm review. (New Ulm, Brown County, Minn.) 1892-1961, 1912-04-17

lass than $3.50 must DO insured. Tn,
employees form themselves into asso
Citations by their trades, which no
only manage the insurance funds, blu
may require measures, ssiegu ards, etc
against accidents.
In : case Of Government employer
tho Government manages the in
surance. The various trades are
graded according to the degree o.
risk. Compensation must be patio
even though there be negligence on the
workmsn's part, unless the accident
is caused intentionally. The compen'
sation begins Is weeks after the acct.
dent, the sick fund or employer being
responsible meanwhile.
In case of fatal accidents one.
fifteenth of the yearly earnings is
paid, with minimum of e12 So and q
pension to the widow (till death or re-
marrisge) of 20 per cent of the earn
ings, and also to every child up to
the fifteenth year. Other dependents,
Q. g., parents, grandparents, grand.
children, or husband through in
capacity dependent partly or wholly
on his wife, are also provided for.
Details vary considerably with the
occupation.
Let me give an example of q work
man insured against accident. If .
mason, whose wages amount to S316
yearly, falls from scaffolding and
Injuries his chest, he Immediately re-.
ceives the sick benefits and hospital
treatment at the expense of the en-
ployees' accident insurance corpora
ton. This costs the corporation SIS.
During this time his family composed
in the selected example of q wife and
two children under fifteen, receives q
pension of S39. If at the end of the
treatment the injured man is
totally incapacitated for labor he
receives an annual pension of s210. If
he dies because OF his injuries his
family receives funeral benefit of S21
and . pension of el6O . year. The
widow receives this pension until her
death or re.marrisge. The children
receive pension until they are over
fifteen years Of age.
Invslidism and old age insurance
subjects to compulsory insurance after
sixteen years OF age al persons re-
gulsrly working for wages in every
branch Of trade, apprentices and SER
wants included, managing officials and
commercial assistants with regular
salaries up to $50. This insurance
fund is formed by equal contributions
from employers and employees, and
IN imperia al subsidy amounting to
BIZ so per annum is granted TO every
At the end of 1907 in all about
81, 900, 900 persons (sick, injured, in
vaIids and their dependentsj had re-
,eived 81, 512, 0OO,0O in benefits. The
Vorkmen have contributed less than
the premiums and have re-
;eived 1900, OOO, 600 marks more than
hey paid in.
Property is owned to the amount of
J, 900, 900, 600 marks of which 624 ,OOO, 900
marks have been invested in model
dwellings,, hospitals and
houses, sanatoriums and
similar institutions of welfare.
The principal merits of lthe German
insurance may be
summed up as follows:
l. 1t includes fundamentally every
body needing insurance, in this way
differing from other insurance
companies.
2. 1t furnishes for the workingman
;he most comprehensive provision, as
it offers not only support by money,
but also free medical aid, free medi-
,ines and free boarding in institu-
ions.
g. 1t offers the workingman the
'urest and cheapest system.
4. The means and powers of the
1ation, concentrated in the working
mans insurance, have made it
possible to solve other problems Of
as for instance the system
.tlc advancement of popular hygiene
nod the art of healing in connection
With accidents, fight of tuberculosis,
housing OF workmen, etc.
And another merit of the system, one
which 1 cannot emphasize too strongly
IS this: After an accident or death
The victim or his beneiciaries do not
need to 60 through slow, tedious or
expensive litigation: they do not need