Harrisburg telegraph. [volume] (Harrisburg, Pa.) 1879-1948, 1915-10-27
STATE INSURANCE
PLAN ANNOUNCED
Every Employer in the State
Has Been Listed to Get the
State Prospectus

Application blanks for accident liza
bility insurance in the State Work.
mems Insurance Fund have been pre-
and will be sent to every employer in
Pennsylvania affected by the work
mems compensation act.
Pennsylvania employers may take
the first step in preparing to meet the
requirements of the workmen's com
pensatton act by answering the ques-
tlons on the application form for in
surance in the State fund and by for
warding 1t to the State Workmen's
Insurance Board at Harrisburg.
An employer making application for
insurance in the State fund does not
bind himself to accept State insur-
ance policy By answering fully and
completely the questions on the blank
form an employer will receive full in
formation from the insurance board
regarding the cost of insurance for the
particular classification of business in
which each employer is engaged. With
this information at hand employers
quoted them with the cost of other
insurance. Payment of the insurance
premium must he made before any in
surance policy in the State insurance
fund becomes effective.
What Is Asked
the State Insurance Board requests en-
ployers to describe briefly the general
character of the operations performed
ana the articles manufactured or COM
pounded in their plants. They will
also be asked to describe briefly all
classes OF work performed by their
employees away from their plants and
az extra hazardous operations as con-
structlon, installation or excavation
employers answering the questions on
the plank form will give reports of the
total payroll in their business. For
the proper classification of insurance
rating the payroll of each plant will
be considered under various divisions
OF operations. Fourteen subdivisions
Oh the payroll are indicated on the
application form
Among the most important subdi-
visions are:
Payroll of employees actually en-
Sdseu IN me manufacture of the en-
ployer's product.
employees engaged in office duties.
workers employed as craftsmen.
odlesmen' collectors and messengers
engaged in duties outside of the es-
adjustment.
statesmen employed within the es-
tablishment
Drivers and helpers.
Chauffeurs and helpers.
employees engaged on handled ma
chlnes for stamping metals.
employees engaged in the operation
OF maintenance of railroads
Employes engaged in or in connec-
t'on with blasting operations.
Additional questions will be sub
mltted to employers engaging work
men IN extra hazardous occupations
Salaries Listed
me state insurance Board has de-
ciIeo Inat the total salaries of highly
PAID ot1cials of establishments will not
be included in the estimated navroII
forming the basis of an insurance rata T,
Tor any establishment. In the total
payroll from which the insurance rate
lCr any plant is obtained all officials
Will be given salary ratings of 81 900
each' regardless of their actual yearly
salaries. This action has been taken
pScause under the law accident liza
olllty compensation could not be based
on an amount eXceedingsSI, 900 The
lnlt OF compensation payment stipu-
lated by the law is $40 per week. AND
the insurance board did not deem II
fair 70 consider in the aggregate pay
roll of any plant the comparativeIv
larger salaries of executive officers.
me cost of Insurance in the State
tund Will be affected by the reports
made to the bureau of inspection Of
me state Department of Labor and
industry by its inspection force.
State to Cooperate
the Department of Labor and In
Gustry viii cooperate with the State
Workmen's Insurance Board in en-
coLraging safeguards in establishments
and consequently reducing insurance
cost. '''i'9
Ihe insurance board regards the re-
auction OF the number of Industrial
accidents as one of the most Important
functions of the workmen's compen-
sation act and will do all in its power
10 assist employers to bring their
plants up to the highest point of safety
efficiency
A merit system will be adopted
which will give to employers whose
satety conditions are above the aver
age reduction in their premium rat
ing and return for the money ex-
pended in securing the safety of their
employees equivalent to that given by
any other form of insurance.
RUNAWAY RRAVE