The citizen-Republican. (Scotland, Bon Homme County, S.D.) 1???-19??, 1921-02-24
HAZ ARD GUS WORK


In Hunters studies Of The death rate
among under average risks insured IN u
large number of Insurance companies
l was found that IL occupations were
hazardous. Those In hazardous occu-
pations We're railroad men, liquor deal
ers' electrical workers, factory work
ers, chauffeurs, and workers connected
with automobiles. miners and those con-
hected with mines. steel workers, police
ana nre department employees. ship and
COCK builders, theatrical and moving
picture employees. laborers and long,
snoremen, building and other construc.
ton workers.
The other II occupations could not
pe very hazardous, since 25 per cent. OF
the entire number were engaged in oc-
cupatlons having to do with the manu-
iacture and sale Of liquors. Hunter says
tnat prohibition had almost, though not
aitogether, eliminated this hazard. Ex-
Perlence Showed that those who adj
mitted taking two or more drinks a day
steadiiy, but said they did not get drunk,
mad mortality rate SIS per cent. above
the normal.
Ihose who admitted one drink a day
mad a rate Is per cent, above the nor
NAL Those who got occasional drinks
mad an extra mortality of 40 to IS per
cent. Those who formerly got on
drunks but had been on the water
WeAS5Oii 1OI lif6 years.. 0aQ an extra NOR
tally of As per cent
Those who had taken the cure and
We're total abstainers at the time of in
Surance had an extra mortality of 70 per
cent. II the period Of abstinence since
the cure had been five years, the ex-
trs. ,rnrta lits, 81: So per cent Ali IN
all, 1t takes drinEer a long time to be-
come good risk after liquor becomes
unoptalnable, or at least some 80 or 40
insurance companies are of that opinion.
1t is difficult to standardize the rate
Oh insurance of persons who have had
syphilis. Ii upon Investigation of the
history the examiner finds that the sub
ject has had thorough treatment for two
years and that during this time there
nave been no symptoms, the extra pre-
MUM of 40 to SO per cent. is charged.
Ii treatment has not been thorough the
extra charge ranges between 60 and 100
per cent. Since syphilitics who have
neglected themselves are SO liable to
develop loconotor ataxia and paresis
{ late in life, no disability. insurance is
sold to persons who have had syphilis
Appendicitis.-Whe there has been
a successful operation for appendicitis,
no additlonual mortality is expected
provided the appendix has been re-
moved. When there is history OF re-
peated attacks and the Indications are
that more are to follow, the New York
l14lS NAU llQl insure OF VIII CQarSn a
considerabl excess premium. Ii the last
attack occurred 20 months before the
insurance was Issued the company
charges SIS a thousand extra. but if at
the end of two years of insurance there
have been no further attacks the extra
rate will be no longer collected.
The insurance companies have not
found ulcer of the stomach a very Sc
rlous condition. They have found it
safe to make the extra premium not
very large. If the ulcer had been cured
for four years they made small extra
charge for three years. Ulcer of tho
duo denum is on about the same basis.
Caneer.--Can cancer be cured by OPP
Grafton? The experience of the insur-
ancles companies answers this question
In the affirmative. If three years have
elapsed since operation and there is ne
evidence of return of the disease and
the applicant Is in good health other
wise, he can get insurance at a mod
crate excess rate.