The Sunday telegram. [volume] (Clarksburg, W. Va.) 1914-1927, 1915-04-18
AITIT JJDE NIESTVIRGIZVIA
1, - q ~ AEFEGTfNG 01 7e57zS K1aLN


as inspectors, Tn ana DefoIe rlAe a.4y
of Inc pr1mars Y, one, LWo, three, O.
even nfe tnoIslnu VarLr5lnS or ytAe
canrtuats tie mas the power 10 40
H. lie from ynont HIS appdin lmenI3
came hasSLn @ nuaiel TO rr no We iiint.s
l94uW.? ltIcn cnATses tots fncoanpelenc
ana neglect OF llty, SlpJec 70 the!
right To be hIsl III 10y Wno HOW
uncut II Is. where necessary, to-
prove Iecn1ica4 flc oulpetenceor neg-
l4ect OF dl1ty! :NSe,W just what could
II he do az thesrs u Sc effso on On tho man
appointing him2 5e S
n Sc cOuds 3, 81
Suggested Pine comm sston to haye
power to ctasE1 ty the IN dGiss. tiles of
sthe state. placIng each in one OF
haza I'd Of each. to haze no power to
lGcTeate additional .ssrl asses, Or: TO dis
crinainate between emp4o yer5 in any
given indus try. I MI. s u. aaE
The I-.l".-The commissioner wild
have power to place the industries or
the state into any numb eT of classes;
to create new classes at MIL, and to
ldiscrimina between Individual en-
ployers.
suggested Comm isions to have pow
er to. hx rate Or Hpremium for eacn
class. and to- change class rate at any
time, subject only TO the provision
.that---sa no n time should the rate
jIcharged exceed the cost OF carrying
insurance fo1. the preceding twelve
months Sby more than 81 per cent.
The La5waC otnnts sioner mas power:
to tix rate of premium for each class.
according to the FISK, and it is his
duty to. fix and maintain the lowest
possible consistent with he nj Ante
nance Of q solvent fund power to
change the rate at any tim e Tor any
individual employer. No limit.
1t was felt that indefinite InuItipIi-i
cation OF classes even by a non7par-
tisan commission, would be unwise;
and that specific number or classes
to cover fairly the variation or risks
should be fixed by legislative enact
ment. Any other cause could be car.
RED on until there would be a class.
sepa rate and distinct. for each and
every industry, yes, for each individ-
| ia lts emp oyer, until all effects OF the
law Of averages would be lost, and
With It the insurance principle. IT
is important that an Industry As 4
Who e, rather. than the individual en-
picver. should bear the cost of acct
dents tn wage earners in that indus
Try. especially since this is largely
based upon accidents For which the
employer is neither morally nor leg
ally liable. 1T seems only fair. be-
cause the right of the individual en-
ployer to adjust or compromise his
liability has heen taken from him.
further. It seems desirable because at
disaster might at any time SO increase
| Inc The IND ividual's cost of this insurance
! as to put him out Of business. thus
| deprrlydns the surviving wage earners
| of any possibility of continuing work
| a "a G very moment when their earn
llnEs We're most needed hen, ift left.
Ito. voluntary settlement. all narties;
might have been satisfied and the
employer enabled to furnish contfn-
lEued employment. And further. De
cause married workmen With large
families usually seek employment with
careful employers. where conditions
are good as to safety, etc; but. at
the same time. this employer would.
tfrealize that the employment of mn
FRIED men entails less liability.
hence the inevitable result would be
to rend men with families undesir-i
able enU1oYes.
Operators Want Classification.
The accusation has been made that
iI;the coal operators did not want to
4 pay their just obligations but resired
70 have the other industries OF the
4 state pay portion OF the cost Of
carrying their accidents. What better
4 aanasYeEkqs there to this than the s1lg-
above? That the industrfess
tEbe classified into ciasse. accord e IA IA
A the degree of4hazard-that the COM
mission have the lis ht to remove an
Industry from one class to another
lat Ftime Il also the right to- change
\ class rates at any time; the Single
fstipulation being that the rate fixed
TOR the class he at no time more than
Ifl0 PERCENT above the cost OF carry
a ing that class fol. the preceding
1 Twelve months. The right to change
Ecost insures the solvency Of that
class fund at any time, while the right
TO cl1argessl0 per cent I'M excess, IN
i Aures the creation Of a surplus fund
1 Ef1toolr-energencles. It is equally fair to
!; tclassess Of Industries having the least
degree OF hazard Certain classes have
\ BEEN overcharged in the past. Had
q the suggestions been adopte the rate
LOT premium in these industries would
y now he reduced. * sl
y 1t as true that the premium limit
fixed in the act OF Il 913 has proved
mad 1uat ess for certa in lass risks.
\. This. dobtTess, was due to the lack
i. Of information with respect to indus
trial accidents available at the. time
Ethis act was passed The coal oner-
Eators desired to74remedy this situa-
tion, and submitted the above. as. in
y their. opinion, a whole and complete
IRENE dy !.
Consultations Illustrated.
The above suggestions also pro-
\ Iyided that the Industries IN the state
/ Ebe limited to % classes. To ILLUSTRATED
assuming that 10c per 81 90 OF pay rool
n would cover the cost OF carrying the
iI1oWest class risk. and sly5O per s1O9
5}of pay roll the highest class risk,
twenty classes furnish an opportunity
a for a class for every z 1-2cS per 500
LOT pay roll variation IN risk So that,
u sintellig ently adjusted. and the right
Ito do this was provided at all times,
class would con sist ind - =; az