The daily Gate City. [volume] (Keokuk, Iowa) 1855-1916, 1914-05-08

mum here IL 500. But the import
ant part Is right here. You have con-
troll Of the medical fees. You select
your doctor, and when your employe
lis hurt he must be attended by that
doctor and go to your hospital. II he
does not like the doctor or hospital.
he can have one OF his own of course,
| IL he pays for It, II your man is laid
up more than two weeks you pay one
half his weeks wages for certain
period, you may not pay more than
$40 or less than S.
Control Medical Expense.
| "The medical expense, however. is
half Of all that is ever paid for losses.
This is the feature that concerns you
most or course there are others.
such as specified number of weeks
for the loss Of fingers, etc. For the
thumb taken off at first joint you pay
twenty weeks. for whole thumb gone.
forty weeks. In case OF death you
paw to the mans dependents. You no
tice l said dependents. not heirs, and
the law specifically states that the
claimants must actually be dependent
on this man The law provides that
instead Of paying wages for 800
weeks in case of death or 400 weeks
in case Of total disability. you can set
tie at once on the basis OF the worth
OF the mans services at the present
time"
Mr.. Wrightman suggested that In
his mind. the Iowa law undoubtedly
was the best There are twenty-six
states which have liability laws. Iowa
| is profiting by the experiences Of the
other twenty-five he declared.
Mr.. Wrightman then explained that
an employer In Iowa need not 80 IN
der the liability law II he did not want
to. ONLY one state makes 1t compul-
sorry. he said But he remarked that
he had heard Of none planning to
stay out. It IL necessary to serve mo-
tice on the Industrial commissioners
that you will not go in under the law
Mr.. Wrightman said. II you don't
serve notice by June l. on June 80.
you automatically go under the law.
/ n You Are Not In.
but supposing you serve notice
that you will stay out" Mr.. Wright
man said On July / an accident hap
pens in your plant. You Immediately
ask how badly the man is hurt ana
fnd that he will lose a hand. You go
to your lawyer who says that the new
law lays the blame onto you. But
you say that the man was looking out
OF the window at q parade, ana
stuck his hand back, or that brother
workman started the machinery too
! soon, or that the man assumed the
risk. What does your lawyer tell
you? that under the new law you
have no more the defense of contribu-
tory negligence. or assumption Of risk,
and that you are up against it. The
man sues you, the law presumes you
are to blame and you are hit with
4 verdict which 10 enormous. You Inn
jmediately get under the new law. In
order to punish you for rejecting the
new law the state sweeps away your
defenses.
"The chances are that you'll like
| the new law best when you get to
know 1t. There Is the possibility OF
quick settlement in it, and the hurt
man gets what is coming to him and
gets IL quickly. And then it relieves
the strain between employer and en-
ployed."
Mr.. Wrightman here gave oppor-
tunity for questions before taking up
the insurance features. 1t developed
that the farmer, clerical help. unless
subjected to the hazards OF the bust
ness, and odd Job man you employ,
are exempt.
Insurance phase Discussed.
In taking up the matter of insur-
ance, Mr. wrightman covered one
part of the question and Mr.. Eddy COW
cred the rest. "All liability policies
expire June go" Mr.. Wrightman said.
you will be visited by representa-
| tfves of the eastern stock companies
who will tell you they don't know the
! Iowa rates, and who will tell you
they will put little endorsement on
your policies which will fix matters
all right. Look out for this. or you'll
be paying high rate. The stock
companies do know the Iowa rates.
don't doubt but that the agents are
honest. Their companies probably
haven't sent them the Iowa rates. But
the companies have the Iowa rates.
| THE new law compels you to in
sure. But 1t gives you several ways.
You can satisfy tho Industrial COM
| missioner that you are able to pay
damages. I believe your power COM
pany followed = system something
like this. Or you can make deposit
with the industrial commissioner.
! form a stock company, an association
| or a mutual company"
The first plan was branded as dan
| rerous for the reason that 1t might
effect credit 1T the bank, By Mr..