The Sunday telegram. [volume] (Clarksburg, W. Va.) 1914-1927, 1915-04-18

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1 Fielder Jones (lefD and Joe Tinker
hY
may be his views. at any time. Instead
or peIngs definitely directed to do Gers
tain thlngs, he is let's tree pracLicat-
ty9 10 make law as he goes along. NOW
what does it do /? ~ gives the right
TO create new classes without num-
Der, 10 NOV e not OILY indust tries from
Eone class to ano eher, but a Individual
eInplvyers so atnatfa an indiY1 dual sem-
ploytr may at any time. lind hImseir
IN IA class by lhtmse eli, with a rate pc
cullarly his own. And the only limit
to this rate making power is the re-
quirement that the mmlssioner shall
fix and maintain the lowest possIDle
rates OF premium consistent with the
maintenance of a solvent workmen's
compensation fund, and with the
creation OF a reas onabIc surplus. But
who shall decide what the lowest pos
sible rate may be? Or wherein does
consistency diner from incon lstency??
All this in lands of single, parts
whose decision there is no appeal. Ye
Gods! Think: One man may take
out any single employer in this great
state, place him IN class by himself,
tax him without limit. and without
the right Of appeaft What possihi1i-
ties to grant rewards or administer.
punis htnent are here! What an op~
pOrtunity there is here for creating
unfair compe tition between individuals
in the same industryi Has not this
single, partisan appointed commis-
sioner power, in ways stated, to favor
this employer or to disfavor4 that one?
Couldn't he require Of the one that
which would put him out of the race
with his neighbor .5 y.a58
Third. Ell ss
i Suggested-No elective X feature
state to have exclusive Held in work
mems compensation insurance busi-
ness. 4s
The Law The commits sioner may
permit an employer to carry his own
risk, upon presentation Of evidence
(satisfactory to the commits OF
financial resp Utility. or he may
l5require a bond, or he may require
cash or conference.-the securities.
Suggested amounts to be
awarded by the commission fof spe-
| ciflc injuries.
The LawT commissioners
awards may depend upon ge,nature
lof injury, and occupat ton OF the en-
lployes.
insurance companies organized for
profit. always have been and are now
i:strenucnsly opposed to state insur-
sance- The reason is apparent. Where
state fnsurancc5is effective and the
Estate pays the cost Of administration.
IS here suggested by employers, one
Hundred cents Of every collar paid
into the fund by er1nlnyer and en- en-
lplnyeS goes to the unfortunate wage
Garner. his widn CHI ldren, or de-
pend entS. Where commercial fnsur-
lance COMPANIES handle lis. on " 55c
finds It'll way to- them. The remain
ing 45c goes to pay operating Expense s
of the conpanie that gents and
ilbrphcrs commits sions, rents and sal
isaries$to home Office officials. etc. AS
Stunning that 600 900 is to be col
j.lected from employers and wage earn
ers OF this state: is the 81. OCQ 5000 to
fpendcnts. or only $3.50. 600. the remain
der. or 40, 900, to be paid to agents,
brokers. etc, as outlined above? These
figures are taken from recent report
iissued by the indus trial y commission
j OF WISCONSIN, s M w
Aids Insurance Companies.
1t may be said that there was no
mention OF insurance companies in
E the law as enact ted True enough. But
provisionsis made for certain favored
employers to carry their own insur-
ance. This esta blish led. what Is to
prevent these favored employers from
having, by a contract, their risk IN
derwrilten. by insurance companies?
/ And what is TO prevent the insurance
icomDanies from rs old citing Sand getting
a few Of the best risks in each indus
try? In order to break the Sstategin-
Isurance they could q ford to- do this
at some temporary loss to them
selyes-=to5 take out, from any industry
the best risks in it I leaving the poorer
risks with the state. The cost Of
Istate insurance for that industry is,
Therefore, raised, and the first step in
the INSURANCE conpany,s plan has
lbeen made. Up goes the state rate
ito meet its Increased cost; dissatis-
\ faction ensues; another haul OF the
net is made by the insurance com
panies, and the now. loves cost risks
1.-The state has are again removed; am
tother increase in the cost OF the state:
lanot11er increase in rate, and more
dissa tisfacti ion. Man festly this pro
cess can be continued until the state
lcost is forced SO high that the IN
surance companies have a sre1nunera-
tive rate at or less than state costs.
r %<@4
lance, and -enthronenlent OF the In
slirancc compani les ithout connect
ton sss W. Il g = s n
Now. who arc these certain favored
employers who rcpHld start the ball
lrol ling? The law, is enacted, pros
lvddes: emp oyers no are of ssnf-
Eficient responsib It's insure the
ipaymenf OF comp IN iiIred
Z employees and the a pendent IS of IA