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U. S. DEPARTMENT OF LABOR JAMES J. DAVIS, Secretary  BUREAU OF LABOR STATISTICS ETHELBERT STEWART, Commissioner  BULLETIN OF THE UNITED STATES 1 ^ BUREAU OF LABOR S T A T IS T I C S /........................llO e WORKMEN'S  INSURANCE  AND  COMPENSATION  o «7A  61 V  SERIES  COMPARISON OF WORKMEN’S COMPENSATION LAWS OF THE UNITED STATES AS OF JANUARY 1, 1925   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  By LINDLEY D. CLARK  JANUARY, 1925  WASHINGTON GOVERNMENT PRINTING OFFICE 1925   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  A D D I T I O N A L C O PIE S OF THIS PUBLICATION M A Y BE PROCURED FROM THE SUPERINTENDENT OF DOCUMENTS GOVERNMENT PRINTING OFFICE W ASHINGTON, D. C. AT  10 C E N T S P E R C O P Y  CO N TEN TS Page  In troduction _______________ Com pensation and insurance systems_____________________________________ Scope or coverage_________________________________________________________ Hazardous em ploym ents_____________________________________________ Numerical exem ptions____________________________________________ •___ Agriculture and domestic service_____________________________________ Public em ploym ent___________________________________________________ Other exclusions______________________________________________________ Occupational diseases_____________________________________________________ E lection ___________________________________________________________________ Suits for dam ages_________________________________________________________ Waiting tim e______________________________________________________________ Compensation scale_______________________________________________________ Per cent of wages_____________________________________________________ M aximum term and am ount_________________________________________ Weekly maximum and minim um _____________________________________ Partial disability______________________________________________________ M edical benefits___________________________________________________________ Administration and settlement of claim s__________________________________ Accident reporting and prevention________________________________________ Nonresident alien dependents_____________________________________________   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  hi  1 ,2 2 -4 4 -6 4 4, 5 5 5 5, 6 6 6 6, 7 7 8-12 8 8-10 10 10-12 12, 13 13 13, 14 14, 15   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  BULLETIN OF THE  U . S. BUREAU OF LABOR STATISTICS n o . 379  WASHINGTON  Ja n u a r y , 1925  COMPARISON OF WORKMEN’S COMPENSATION LAWS OF THE UNITED STATES AS OF JANUARY 1 ,1 9 2 5 IN TR O D U C TIO N  The first presentation of the compensation laws of the United States in chart form was in the Bulletin of the Bureau of Labor (now Bureau of Labor Statistics) for January, 1911 (No. 92). That chart  the principal features of nine State laws, including two re{iresented ating only to mining. The chart has been revised and enlarged from time to time,1 until its latest prior production in Bulletin No. 275, containing legislation up to the end of the year 1919, when the laws of 42 States, of the Territories of Alaska and Hawaii, of the island possession, Porto Rico, and the Federal statute, were pre­ sented. The accompanying chart, setting forth the provisions o f the laws as amended to the end of the year 1924, represents the same number of jurisdictions, but with the substitution of Georgia for Missouri, the legislature of the former State having enacted a law in 1920, while the Missouri statutes of 1919 and 1921 were both defeated by referendum votes. There are thus six States1 2 now without com­ pensation legislation, besides the District of Columbia, so far as private undertakings are concerned; employees of the District government are covered by the Federal statute relating to em­ ployees of the United States, though compensated from District and not Federal funds. Since the revision of the chart in 1919, the laws of all the States 3 except Alabama, Arizona, and Kansas have been amended, and new legislation superseding former laws has been enacted in Alaska and Minnesota. In several States amendments have been made at every session of the 1egislature since the original enactment. These changes liberalize the laws by reducing the waiting time, increasing the amount of benefits paid, either by percentage increases, raising the maximum, or both, and by increased medical aid. There are also some extensions of inclusions or coverage, while occupational diseases have been recognized as compensable until at the present time there are 12 States and the Federal Government caring for such injuries. The percentage of wages paid as compensation is now 65 1 Bui. N o. 126 (1913), 22 States; N o. 186 (1915), 33 States; N o. 203 (1916), 35 States; and N o. 240 (1917), 40 States. 2 Arkansas, Florida, Mississippi, Missouri, N orth Carolina, and South Carolina. 2 For the sake of brevity, an jurisdictions, Territorial and other, are included under the term “ State.”   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  1  2  COMPARISON OP COMPENSATION LAWS OP UNITED STATES  in 4 States and 66% in 11, besides the Federal statute; so that 23 States, as against 20 at the beginning of the year 1920, pay 60 per cent or more. In 1920, 16 States fixed the maximum weekly payments at $12 or _ less. Now no State has a maximum less than $12 for temporary total disability, and only 6 have as low a standard as that, while 12 pay $18 or more, as against 5 at the earlier date. The waiting time is now less than one week in 8 jurisdictions, one week in 28, and more than one week in 10, while at the earlier date only 4 laws fixed a wailing time of less than one week, 22 provided for one of one week, and 20 of more than a week. Another change that indicates a recognition of the previous (and in many cases continuing) inadequacy of relief consists of amend­ ments making permanent partial disability payments additional to the payments for temporary total disability, or the healing time. Such changes have been made comparatively recently in Colorado, Georgia, Hawaii, and New Mexico; while in New York, if the healing time is protracted beyond specified periods, the schedule for partial dis­ ability payments is correspondingly extended. The restriction o n . term and amount of payments by way of medical relief has been raised or eliminated in a few States in recognition of the impor­ tance of adequate treatment to restore the injured man to his employ­ ment. In two States new requirements as to insurance have been made. C O M P E N S A T IO N AN D INSURANCE SY S T E M S  In most States (31) the employer and employee may exercise a choice as to accepting the provisions of the compensation law. Election by the employer is presumed in a majority of the States, but in 104*positive action is required. Where the employer rejects the law, actions for damages may be brought without the customary common-law defenses. Where he elects to accept the provisions of the law, the acceptance by the employee is taken for granted, in the absence of rejection, except in Kentucky, where positive accept­ ance is required. In New Hampshire the employee may make his choice of remedy after the injury has been received. Tf the em­ ployer has accepted and the employee rejects the law, actions for damages are subject to the common-law defenses, except in 2 States (New Jersey and Pennsylvania), where the defenses are abrogated absolutely. The laws are compulsory in 14 States, neither employer nor em­ ployee having the option of choosing another remedy, except in Arizona, where an injured workman or his survivors may cnoose to sue. Suit is permitted in a number of States if the employer has failed to insure or permits premiums to remain unpaid. No law is of complete coverage, and the terms “ elective” and “ compulsory” apply to the laws in regard to the occupations said to be covered by the acts. Employers in other occupations than those so classed as “ covered ” may generally accept the terms of the acts, but forfeit no defenses by failure to do so. Such inclusion is designated as “ voluntary” in the appended chart, and may require the joint positive action of both employer and employee.  < Kentucky, Maine, Massachusetts, Michigan, Montana, Nevada, New Hampshire, Rhode Island, Texas, and West Virginia.  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  COMPENSATION AND INSURANCE SYSTEMS  3  Insurance of the employer’s liability to pay compensation is recognized as an essential feature of the system in all but four5 jurisdictions. This may be effected through private insurance (stock or mutual companies), self-insurance (proof of solvency, with or without the giving of a bond or other security), or by insurance in State'funds, which may be exclusive or competitive. The following table shows for each compensation State whether compensation is compulsory or elective, and the forms of insurance provided for by the various laws. This table relates only to private employments; for while public employments are covered in whole or in part in most States, and compulsorily in some where the law is elective as to private employments, the subject is of less general interest and complexity. T a b l e 1 .—  State  C O M P E N S A T IO N A N D IN S U R A N C E S Y S T E M S  Insurance required in— Compensation com­ pulsory (14) or State fund: Ex­ Private companies (33) elective (31) clusive (8) or competitive (10) or by self-insurance (33)  Alabama__________________________ Elective Alaska___________________________ ........do..................... Arizona........................................................ Compulsory _ do California_________________________ Competitive_____ Colorado__________________________ Elective ........do..................... d o___ ___ Connecticut........... .................................... do Delaware______________ _____ __ do Georgia________________ ___________ Hawaii......................................................... Compulsory........... do Idaho_________________ __ Competitive_____ do Illinois_____________________ Indiana....................................................... Elective®_______ ____do....... .......... Iowa................................................._ do Kansas...................................................... Kentucky................................................... ........do__________ do Louisiana.................................................... Maine_____________________________ ____do__________ Maryland____________________ _____ Compulsory Competitive_____ Massachusetts..................................... ....... Elective __ do Michigan.......................................... ..... Competitive_____ do Minnesota................................................... Montana__________________________ ____do______ ____ Competitive_____ Nebraska....... ............................ ........do..................... do Nevada........................................................ Exclusive_______ New Hampshire......................................... ____do__________ New Jersey___ ___________ ________ ____do.................... New Mexico............................................ ____do................... New York................................................... Compulsory........... Competitive_____ North Dakota............................................. Exclusive_______ Ohio............................................................. ........do..................... ____do....... ............. Oklahoma__ ........do....... ............. Oregon................................. ..................... Elective.................. Exclusive............... Pennsylvania___ ______ ____________ ........do..................... Competitive_____ Porto Rico__.............................................. Compulsory_____ Exclusive_______ Rhode Island............................................. Elective..... ........ . South Dakota............................................. ____do..................... Tennessee_________________________ ____do..................... Competitive d____ Texas.......................................................... ........do..................... Compulsory Utah....................................... Competitive___ Vermont. ................................................... Elective.................. Virginia....................................................... ........do..................... Washington................................................ Compulsory Exclusive.............. West Virginia.......................................___ Elective ........do..................... Wisconsin____________ ____________ ____do—.................. Wyoming. .................. ........ ...................... Compulsory Exclusive_______  Either. Do. Do. Do. Do. Do. Do. Do. Do. Do. Either. Do. Do. Do. Private companies. Either. Do. Do. Do. Self-insurance.6 Either. Do. Do. Self-insurance.0 Either. Either. Either. Do. Do. Private companies. Either. Do. Do. Self-insurance.« Either.  • Compulsory as to coal mining. b Employers accepting the act must furnish proof of solvency or give bond; no other provision as to insurance. c Self-insuring employers must contribute to maintenance of State fund system. d Coal mining only. 6 Alabama, Alaska, Arizona, and Kansas.   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  4  COMPARISON OF COMPENSATION LAWS OF UNITED STATES  Of the 41 States requiring insurance, 18 have provisions for a State fund, though in Tennessee this is by a separate act limited to coal mining only. In 8 of these the fund is exclusive, acceptance of the system being also compulsory in 6 of this group. In Ohio\ and West Virginia approved risks may be carried by the employers them­ selves, but under condition that contribution" is made to the State fund system. In 10 States the system is competitive. ^ Of the 33 States permitting insurance in private companies, a ll. but 2 (Massachusetts and Texas) permit self-insurance as well; and of the like number permitting self-insurance, all but 3 (New Hamp­ shire, Ohio, and West Virginia) also permit private insurance. In­ deed it would seem that employers in New Hampshire are free to take out private insurance, and that there is both statutory and administrative weakness in the lack of more definite requirements that insurance be secured. The somewhat anomalous provisions of the Idaho statute seem to contemplate an exclusive State fund, but with an option for Selfinsurance and the deposit of a surety bond or guaranty contract as one means of satisfying the industrial accident board as to the security of payments. The reports of the board indicate, however, that the system is competitive in practice, and that approved private companies are admitted to do business in the State. A sort of State mutual system, supervised by the State but managed by the employers, is provided for in 3 States (Kentucky, Massa­ chusetts, and Texas), but these are, in effect, only private compet­ ing organizations. SCOPE OR COVERAGE  No law undertakes to cover all employments. Various restrictive provisions are employed, the most important numerically being the exclusion of agriculture and domestic service. Interstate commerce is exempt by reason of the exclusive action of Congress, though its law creates liability, and does not provide compensation. Laws that apply only to “ hazardous” or “ extrahazardous” employments ex­ clude others, thereby distinguished as “ nonhazardous. Casual em­ ployments are usually exempted, and those not for gain frequently. HAZARDOUS EMPLOYMENTS  States whose laws apply only to hazardous employments are 12 in number: Arizona, Illinois, Kansas, Louisiana, Maryland, Montana, New Hampshire, New Mexico, Oklahoma, Oregon, Washington, and Wyoming. Enumeration is made in the laws, but it is not complete in several, a blanket clause being used in some, while in others the commission or board may make additions. The principal industrial employments, with the exception of interstate transportation, are uniformly included in these lists. NUMERICAL EXEMPTIONS  Employers of less than a stipulated number of employees are exempt from the operation of the laws of 21 States. Voluntary acceptance is generally provided for, as is the case in regard to employments not classed as hazardous. The following table shows the list of States in which the number of employees determines coverage:   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  SCOPE OR COVERAGE  5  T able 2 .—S T A T E S M A K IN G N U M E R IC A L E X E M P T IO N S , B Y M IN IM U M R E Q U IR E ­ M ENTS  Employers are exempt who have less than— 2 em plo yees (1)  3 em­ ployees (5)  Oklahom a.  Kentucky. Ohio. Texas. Utah. Wisconsin.  4 em­ ployees (3)  5 employees (6)  Colorado. M ew M ex­ ico. New Y ork.1  Alaska. Connecticut. Delaware. Kansas. N ew H a m p ­ shire. Tennessee.  6 employees  Maine. R hode land.  10 em­ ployees 0) Georgia.  Is­  11 em­ ployees (2)  16’ em­ ployees (1)  Vermont. Alabama. Virginia.  1 Numerical exemption applies only in case of nonhazardous employments.  AGRICULTURE AND DOMESTIC SERVICE  The exclusion of agriculture is universal among the compensation laws of the United States except in Hawaii and New Jersey; and of domestic service except in New Jersey. Voluntary acceptance of the laiws in these occupations is quite generally provided for, though in some cases it appears that their exclusion is intended to be absolute. Threshing grain, etc., is specifically included in Kentucky, Minnesota, and South Dakota (separate act). PUBLIC EMPLOYMENT  Employees in the service of the State and its subdivisions and municipalities are included generally in 25 States; in several of these the inclusion is compulsory where the law is elective as to private undertakings. The States are: California, Colorado, Connecticut, Hawaii, Idaho, Illinois, Indiana, Louisiana, Maine, Michigan, Mon­ tana, Nebraska, Nevada, New Jersey, New York, North Dakota, Ohio, Oregon, Pennsylvania, Rhode Island, South Dakota, Utah, Virginia, West Virginia, and. Wisconsin. In 14 States there is a partial inclusion of public employees (Ala­ bama, Delaware, Georgia, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Minnesota, Oklahoma, Porto Rico, Vermont, Wash­ ington, and Wyoming.) Public employees are exempt in 6 States (Alaska, Arizona, New Hampshire, New Mexico, Tennessee, and Texas) though in one of these (Tennessee) the law authorizes an affirmative acceptance of its provisions by the State, its counties and municipal corporations. OTHER EXCLUSIONS  Employees whose employment is but casual and (sometimes “ o r” ) not in the usual course of the employer’s trade or business are quite generally excluded, while outworkers are mentioned in a few laws. Exclusion of employees receiving above a designated wage or salary isj provided in a few States, as follows: Hawaii ($36 per week), North E)akota (executive officers receiving more than $2,400 per year), P orto Rico ($1,500 per year), Rhode Island ($1,800 per year), and Vermont ($2,000 per year).  S  19645°— 25f-------2   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  6  COMPARISON OF COMPENSATION LAWS OF UNITED STATES  The abrogation of the common-law defenses in suits against) .nonelecting employers does not apply to logging operations under^ the law of Maine. Clerical and other occupations not subject to \the hazards of the employment are excluded in a few States. O CCU PATIONAL DISEASES  No law in its original enactment made specific provision for compen­ sating occupation^ diseases. The dominant idea of accident has giVjen way by degrees, however, until at the present time 12 States and the Federal Government provide compensation, either for occupational diseases generally or for designated diseases of this class. The Federal statute includes under the term “ injury” any “ disease proximaktely caused b y the employment” ; while that of Porto Rico compensates employees for “ accidents or sickness occurring because of any act or function inherent in their work or employment and while engaged therein and as a consequence thereof. The other laws are more restrictive in their terms. The States recognizing occupational ^dis­ eases as entitled to compensation are California, Connecticut, Hawaii, Illinois (in certain employments, by separate act), Massachusetts (hy court decision), Minnesota (list), New Jersey (list), New York (list!), North Dakota (by construction by bureau), Ohio (list), Porto Ric<J), Wisconsin, and the United States. The law of Kentucky also, b y recent amendment, includes “ injuries or death due to the inhalation in mines of noxious gases or smoke, commonly known as ‘ bad a ir/ and also shall include the injuries or death due to the inhalation of any kind of gas.” ELECTION  In 21 of the 31 elective States, election is presumed in the absence of active rejection, this presumption affecting both employer and employee. In 10 States the employer must take positive action, but if he acts, the employee’s acceptance is presumed, except in Kentucky, where he must sign an acceptance. In 7 of these (Kentucky, Maine, Michigan, Montana, Nevada, New Hampshire, and Rhode Island) acceptances are filed with designated State authorities; while in the other 3 (Massachusetts, Texas, and West Virginia) the act of insuring signifies election. Inducement to election is offered b y the abrogation of the commonlaw defenses where the employer rejects the law, and by continuing them in effect where a rejecting employee sues an employer who has accepted it. Exceptions to this are the laws of New Jersey and Penn­ sylvania, which abrogate the defenses absolutely, without regard to the acceptance or rejection of the act. SU ITS FO R D A M A G E S  Actions for damages are generally forbidden where both parties have accepted the act, but in Arizona (a compulsory State), and NeV Hampshire (an elective State), the employee may, after his injury, choose which remedy he will pursue. Where, under an elective law, the employer has accepted the act, a rejecting employee may sue, but the employer retains the common-law defenses, except in Ne*w Jersey and Pennsylvania. Upon failure of an employer to provide the insurance required by the act or his default m premiums, the   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  7  WAITING TIME  employee may, in 24 States,6 bring action for damages with the coijamon-law defenses removed. Suit may be brought also in 8 States7 if there is “ intent” or “ deliberate intent” on the part of then* employer to injure, or if the injury is due to his gross negligence or Willful misconduct. No suits are permitted in 16 States.8 W A ITIN G T IM E  Most laws require a minimum duration of disability as a condition tio the payment of compensation benefits. This does not apply to njLedical and hospital relief, which is to be provided at once. Two Spates require no waiting time. Conflicting provisions of the South Dakota statute call for 10 days’ waiting time on the one hand, and for compensation from date of injury on certification of disability on the/other. In practice the latter provision is said to prevail. iii several States the waiting tune is compensated for if the dis­ ability continues for a specified term; or a part may be taken up in eacjh of certain consecutive weeks until all is compensated for. The following table shows the waiting time required in each State; also the number of weeks of disability required for the payment of compensation from date of injury, shown in the figure in parenthesis following the name of the State: T able  3.—WAITING TIME REQUIRED BY EACH STATE, AND TERM REQUIRED FOR FULL PAYMENT  No waiting time (3)  3 days (4)  5 days (1)  Oklahoma. Maryland. Oregon. Utah. Porto Rico. South Dakota.0 Washington. United States.  1 week (28) '  10 days (5)  2 weeks (5)  Alaska (8). California. Connecticut (4). Georgia. Hawaii.6 Idaho.6 Illinois (4). Indiana. Kansas. Kentucky. Louisiana (6). Maine. Massachusetts (4). Michigan (6). Minnesota (4). Nebraska (6). Nevada (1). New Hampshire (1).York (7). New North Dakota (1). Ohio. Rhode Island (4). Tennessee (6). Texas. Vermont. West Virginia. Wisconsin (3). Wyoming (3).  Colorado. New Jersey (7). New Mexico. Pennsylvania. Virginia (6).  Alabama (4). Arizona (2). Delaware (4). Iowa.d Montana (6).  «By administrative construction of conflicting provisions. b From first day of disability in case of partial disability, but no adjudication until after two weeks. « One-third taken up in each of fifth, sixth, and seventh weeks of disability. d From date of injury in case of permanent partial disability; in other cases, one-third is taken up in each of fifth, sixth, and seventh weeks of disability. • California, Connecticut, Delaware, Georgia, Indiana, Iowa, Kentucky, Maryland, Michigan, Mon­ tana, Nebraska, Nevada, New York, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Dakota, Tennessee, Utah, West Virginia, and Wyoming. 7 Kentucky, Maryland, Oregon, Porto Rico, Texas, Utah, Washington, and West Virginia. 8Alabama, Alaska, Colorado, Hawaii, Idaho, Illinois, Kansas, Louisiana, Maine, Massachusetts, Min­ nesota, New Jersey, New Mexico, Vermont, Virginia, and Wisconsin.   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  8  COMPARISON OF COMPENSATION LAWS OF UNITED STATES C O M PE N S A TIO N SCALE  The amounts actually payable under the acts are determined )by three factors, the rate (usually a percentage of the wages), term, &nd (in most States) a fixed maximum weekly or total payment, or bojth. PER CENT OF WAGES  In all but two States (Washington and Wyoming) the amount of compensation is based upon wages. A few States, however, provide fixed lump sums or pensions for certain injuries, but apply the per­ centage system to all others. In most of the States the prescribejd percentage remains uniform for all injuries. A few States have varying percentages for different types of injuries, and in several tlhe percentage varies with conjugal condition and number of children. Using as a basis the rates for temporary total disability, it appears that 50 per cent of the employees’ wages is allowed in compensation in 17 States (Alabama (60 per cent if two or more children), Alasjka, Arizona, Colorado, Connecticut, Delaware, Georgia, Illinois (65 per cent if three or more children), Montana, New Hampshire, Nfew Mexico, Oregon (40 to 66% per cent, according to number of de­ pendents), Porto Rico, Rhode Island, Tennessee, Vermont, apd Virginia); 55 per cent in 3 States (Idaho (increased 5 per cent for ealeh child, total payments not over $16 weekly), Indiana, and South D akota); 60 per cent in 8 States (Hawaii, Iowa, Kansas, Michigan, Nevada, Pennsylvania, Texas, and Utah); 65 per cent in 4 Stages (California, Kentucky, Louisiana, and Wisconsin); and 66% p6r cent in 11 States (Maine, Maryland, Massachusetts, Minnesota, Nebraska, New Jersey, New York, North Dakota, Ohio, Oklahoma, and West Virginia), and also under the Federal statute. MAXIMUM TERM AND AMOUNT  It is obvious that the reduction of a workman’s income by onehalf, or even by one-third, the most liberal percentage provision, leaves a large proportion of his loss uncompensated. But to restrict further the burden on the employer, even though it transfers it necessarily to the injured employee and his family, the term of pay­ ment is not fixed by the period of disability in most States, but b y an arbitrary maximum; death benefits likewise rarely continue for the period of their probable need. The following table shows for the various States the maximum period and amount of benefits in case of death, permanent total dis­ ability, and partial disability. The limitations are in many cases more restrictive for temporary total disability than for permanent total disability, though, where the latter is compensated for life, the former is as a rule compensated during its continuance. In a few cases the rates for temporary disability are higher than for permanent disability.   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  9  COMPENSATION SCALE T able . 4 .— MAXIMUM  PERIODS AND MAXIMUM AMOUNT OF COMPENSATION PAY­ ABLE IN CASE OF DEATH, PERMANENT TOTAL DISABILITY, AND PARTIAL DIS­ ABILITY 1  State  Alabama____________________ Allaska______________________ Arizona_____________________ California___________________ Cjolorado____________________ i Connecticut_________________ Delaware___________________ Georgia. ___________________ Hawaii.......................................... . Idaho______________________ 111 inois______________________ Indiana_____________________ Iowa, _____________________ Kansas_____________________ Kentucky...................................... Louisiana___________________ Majme__ _...................................... Maryland__________ _______ Massachusetts............................... Michigan___________________ i Minnesota________________ Montana___ ________________ N ebraska_________________ _ Nevada___ ____________ N ew Hampshire___________ N ew Jersey. _________________ Mew Mexico_________________ Mew York__________________ Mnrt.h Dakota _ _ _ _ _ _ Oljlio............................ ................. Oklahoma___________________ Oregon_____________________ Pennsylvania________________ JPorto Rico__________________ Khode Island________________ < SWth Dakota________________ T'annassAA TTiTt.fth exas______________________ V ermont ___ _ _ i  Death Weeks 300  Permanent total disability  Amount Weeks Amount  Partial disability Weeks  $5,000 550 $5,000 300 7,800 7,800 4,000 Life. 4,000 During disability. 1240 5,000 Life. During disability. 312 3,750 Life. 520 312 520 285 285 475 4,000 300 300 5,000 350 5,000 312 312 5,000 312 5,000 150 400 Life. 416 4,250 Life. 300 5,000 500 ' 5,000 300 225 300 400 416 3,800 416 335 4,000 416 6,000 335 • 300 400 300 300 500 300 4,000 6,000 5,000 Life. 416 5,000 500 500 4,000 4,000 During disability. 500 500 7,000 300 300 Death or remarriage. Life. 10,000 150 400 1.................... Life. 350 _________ Life. 300 Death or remarriage. Life. 260 300 3,000 300 500 400 300 300 520 During disability. Life. Death or remarriage. Death or remarriage. Life. During disability. 416 1I 6.500 Life. During disability. 500 300 Not covered. Death or remarriage. Life. 104 300 500 300 5,000 4,000 4,000 500 300 300 5,000 312 3,000 Life. 3,000 550 300 400 5,000 360 401 300 312 312 5,000 Life. 260 260 3,500 260 4,000 Virginia 300 4.500 500 4,500 300 Washington Death or remarriage. Life. Death or remarriage. Life. 340 West Virginia________________ ................ |1 5,600 900 During disability. Wisconsin___________________ W yom in g __ _ __ 3.600 8,000 T/jFnitad fttatas _ Death or remarriage. During disability. Life. f 1 For life if 70 per cent or more disabled.  Amount $6,240 4,000 5,000 3,120 5,000  4,000 3,750 4,000  3,500 3,750 2,500 5,000 2,400 4,500 1,500  ti There is quite apparent a tendency to recognize the greater ecoloss in case oi a permanent total disability than in case of death. ?omic )eath benefits continue in 7 States 9 and under the Federal law for life or until remarriage; while 18 States 10 and the Federal Govern­ ment pay life benefits for permanent total disability. The signific ance of the latter provision is qualified in a few States by the limita­ tion on the total amount payable, as $3,000 in South Dakota, $4,000 i|n Arizona, and $5,000 in Maryland. The $10,000 fixed in Minnesota --------------------------------------------------------------------------------------------------  Minnesota, Nevada, New York, North Dakota, Oregon, Washington, West Virginia. i 10 Arizona, California, Colorado, Idaho, Illinois, Maryland, Minnesota, Montana, Nebraska, Nevada, Nrew York, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington, West Virginia.   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  10  COMPARISON OP COMPENSATION LAWS OF UNITED STATES  has the merit of comparative liberality, but its provisions woulcj. be exhausted in 500 weeks at the maximum allowed rate of $20 per w^ek. This period is equaled in 8 other States 11 establishing limitations, and exceeded in 4 ; 12 but here again a comparative liberality in texpn of payment is affected by the maximum amount payable, which does not exceed $5,000 except in two States ($6,000 in Maine andj $7,000 in Michigan). * Except in two States,13 death benefits are a percentage of the em-\ ployee’s wages; in six there is the requirement that the total shall not! exceed three or four years’ earnings.14 Minimum periods are 260] weeks (Vermont) and 2-85 weeks (Delaware). Twelve 15 States pay) for 300 weeks, 7 16 for from 312 to 360 weeks, and 6 17 from 400 to; 500 weeks. ? WEEKLY MAXIMUM  AND MINIMUM  j  Another leveling feature of most laws is the establishment of\ a weekly maximum and minimum. The former may prevent the highier paid employee from securing the full proportion o f his earnings th\at the percentage provision would indicate; while the minimum name^d is often affected by a qualification that if the wages received are lesk than such minimum, the amount of the actual wages shall be paid as a benefit. The result of the various restrictions has been computed as placing upon the injured worker about 50 per cent of the burden of mdustrial accidents in the most favorable otates, and from 65 to 80 per cent in those less favorable. In most cases the actual maximum and minimum payments are named, but in a few it is the basic wage that is noted, payments being computable therefrom. No maximum or minimum provision is fixed in two States (Alaska and Arizona). Under the provisions for temporary total disability six States 18 have a maximum of $12, three19 of over $12 and under $15, nine20 of $15, seven 21 of $16, tw o 22 of $17, three23 of $18, while nine 24 permit amounts above $18 per week. Monthly maximums are prescribed in Nevada ($60), Oregon ($97), Wyoming ($90), and by the Federal law ($66.67). PARTIAL DISABILITY  Temporary partial disability is usually compensated for by the payment of a fixed percentage of the wage loss, tne term and amount, both weekly and total, being limited. The term and maximum amount fixed by the various statutes are presented in the table on page 9. 11 Indiana, Maine, Massachusetts, Michigan, Oklahoma, Pennsylvania, Rhode Island, Virginia. 12 Alabama, Connecticut, N ew Mexico, Tennessee. 13 Alaska and W yom ing. 14 Three years, in California, Kansas, New Hampshire; four years, in Illinois, South Dakota, Wisconsin, w Alabama, Georgia, Indiana, Iowa, Louisiana, Maine, Michigan, N ew Jersey, New Mexico, Pennsyl­ vania, Rhode Island, and Virginia. u Colorado, Connecticut, Hawaii, and Utah, 312 weeks; Kentucky, 335; Nebraska, 350; Texas, 360. 17 Idaho, Montana, Tennessee, 400 weeks; Maryland and Ohio, 416; Massachusetts^ 500. 18 Colorado, N ew Mexico, Pennsylvania, Porto Rico, Tennessee, Virginia. 19 Indiana, $13.20; Michigan, $14; Montana, $12.50. 20 Alaska, Delaware, Georgia, Kansas, Kentucky, Nebraska, N ew Hampshire, South Dakota, and Verm ont. 21 Idaho, Iowa, Maine, Massachusetts, Rhode Island, Utah, West Virginia. 22 Illinois, N ew Jersey. 23 Connecticut, Maryland, and Oklahoma. 24 Wisconsin, $18.20; Ohio, $18,75; Hawaii, Louisiana, Minnesota, New York, North Dakota and Texas, $20; California, $20.83.   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  11  COMPENSATION SCALE  Permanent partial disabilities are dealt with in two ways— one by paying a percentage of the wage loss, the other by payments for fixed periods for specified injuries. The latter is more common, all but three States (Arizona, New Hampshire, and Porto Rico) and the Federal Government having schedules of greater or less fullness. In. all but three of these the payments are weekly amounts based on wages; while in these three (Alaska, Washington, and Wyoming) the payments are fixed sums. In Porto Rico the amounts payable are to be fixed by the commission on the basis of age and wages received. In Wisconsin weekly periods are fixed only for “ lesser permanent partial” injuries, major injuries being compensated on the basis of percentages of permanent total disability. Schedule provisions may provide for payments in addition to the period of total disability (healing period), or they may cover the entire allowance for the injury other than medical aid. Such payments arje exclusive in 19 States,25 and are in addition to the healing period in a like number.26 In Massachusetts compensation is paid for the term of total disability, and also for partial disability after the schedule period; the same is "true in Rhode Island, subject to a maximum term of 300 weeks. In Maine the schedule payment is in lieu of temporary total disability payments, but subsequent partial dis­ ability is compensated to extend not more than 300 weeks from the date of the injury. In New York the schedule payments are normally in lieu of all otner payments, but if the period of temporary total disability is protracted beyond designated periods, tne schedule period is extended correspondingly. In Georgia a uniform period of 10 weeks is allowed as healing time. The following table shows the number of weeks’ payments pro­ vided by the laws of the several States for the injuries specified:2 1 TAiB LE  '  5 .—N U M B E R OF W E E K S F O R W H IC H C O M P E N S A T IO N IS P A Y A B L E F O R S P E C IF IE D IN JU R IE S IN T H E S E V E R A L S T A T E S  Loss of— State  A lk « .  Arm In­ Mid­ dex dle Ring (at shoul­ Hand Thumb fin­ fin­ fin­ der) ger ger ger 200  150  60  35  30  20  Lit­ Great Other tle Leg (at fin­ hip) Foot toe toe ger 15  175  125  30  10  Sight Hear­ Hear of ing, ing, one one both eye ear ears 100  150  * 42 *34 Calif.®____ f>246 b186 *25 *25 * 16 *206 *166 * 34 * 125 Colo.®......... 208 104 104 4 35 18 13 7 9 208 18 104 35 139 Conn.®........ 208 156 182 52 38 38 30 25 20 130 38 13 104 156 194 Del.®........... 194 158 60 35 30 20 15 135 30 10 113 Get.®............ 200 150 60 35 30 20 15 175 125 30 10 100 150 Hawaii«. __ 312 244 288 205 38 16 128 60 312 60 46 30 25 15 Idaho«....... 200 150 30 20 15 12 9 180 125 15 6 • 100 35 115 ml®.............. 200 150 60 35 30 20 15 175 125 30 10 100 Incfc.®........... 250 200 20 60 40 35 30 20 200 150 60 150 100 ®Payments under this schedule are exclusive of or in lieu of all other payments. * Compensation varies with occupation and age. Figures given are for laborer, 45 years of age. ®‘Payments under this schedule are in addition to payments for temporary total disability during thew. healing period. 21 Alabama, Alaska, California, Delaware, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Montana, North Dakota, Oklahoma, Pennsylvania, Tennessee, Texas, Virginia, West Virginia, and 'Wisconsin. 26 Colorado, Connecticut, Georgia, Hawaii, Idaho, Illinois. Maryland, Minnesota, Nebraska, Nevada, Ne;w Jersey, New Mexico, Ohio, Oregon, South Dakota, Utah, Vermont, Washington, and Wyoming.   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  12 T able  COMPARISON OF COMPENSATION LAWS OF UNITED STATES  5.—NUMBER OF WEEKS FOR WHICH COMPENSATION IS PAYABLE FOR SPECIFIED INJURIES IN THE SEVERAL STATES-Concluded : Loss of—  State  In­ Arm dex (at shoul­ Hand Thumb fin­ der) ger  Iowa1......... Kans.1........ Ky.i............ La.1............. Me.4........... Md.s........... Mass.5____ Mich.1........ Minn.3........ Mont.1 Nebr.»____ Nev.3.......... N. J.3.......... N. Mex.3__ N. Y.8........ N. Dak,1... Ohio3 Okla.1 Oreg.3......... Pa.1______ R. I.5- ........ S. Dak.3__ ’ Tenn.1........ TexA Utah3........ Vt.»............. VaA _ W. Wis.lVaA___  225 210 200 175 150 200 50 200 200 200 225 260 200 150 312 312 200 250 416 215 50 200 200 200 200 170 200 240  150 150 150 150 125 150 50 150 175 150 175 217 150 110 244 260 150 200 329 175 50 150 150 150 150 140 150 200  40 60 60 50 50 50 12 60 60 30 60 65 60 30 75 60 60 60 104 60 12 50 60 60 30 40 60 80  Mid­ Ring dle fin­ fin­ ger ger  30 37 45 30 30 30 12 35 35 20 35 39 35 20 46 42 35 35 69 35 12 35 35 45 20 25 35 40 35  25 30 30 20 25 25 12 30 30 15 30 30 30 15 30 36 30 30 39 30 12 30 30 30 15 20 30 28 25  20 20 20 20 18 20 12 20 20 12 20 22 20 10 25 24 20 20 35 20 12 20 20 21 12 15 20 20 15  Lit­ tle fin­ ger 15 15 15 20 15 15 12 15 15 9 15 17 15 12 15 18 15 15 26 15 12 15 15 15 9 10 15 20 16  Sight Hear­ HekrOther of ing* Foot Great toe toe one one eye ear earsr 200 200 200 200 150 175 50 175 200 180 215 217 175 140 288 286 175 175 381 215 50 160 175 200 180 170 175 240  125 25 125 30 125 30 125 20 125 * 25 150 25 50 12 125 30 150 30 125 15 150 30 173 30 125 30 100 15 205 38 208 38 125 30 150 30 277 43 150 50 12 125 30 125 30 125 30 125 15 120 20 125 30 140 40 25  15 10 10 10 10 10 12 10 10 6 10 11 10 8 16 16 10 10 17 12 10 10 10 6 10 8 16 8  100 50 A 110 25 100f 100 \ 100 \ 100 100 50 1<$ 50 ........ ___ V 100 100 52 150 123 100 125 50 10(1) 108 87 26(0 100 40 160 100 35 13$ 160 150> ) 130 100 ........ 100 173 156 4161 125 \ 50 100 100 1501 15$ 100 100 100 43 17dj 100 50 132 . .\ A  i  i  1 Payments under this schedule are exclusive of or in lieu of all other payments. j 5 Payments under this schedule are in addition to payments for temporary total disability during the\ healing period. 4 Payments cover total disability. Partial disability based upon wage loss may be compensated at end} of periods given for not over 300 weeks in all. Payments under this schedule are in addition to payments for temporary total and permanent partial^ • In lieu of other payments unless period of temporary total disability exceeds fixed periods for each dass> of injury. MEDICAL BENEFITS  \  A]1 but two compensation States (Alaska and Arizona) now provide! medical benefits, and these provide care for the last sickness m fatal! cases if there are no dependents. Since the previous revision of thei chart, 19 States have liberalized their provisions in this respect.; In 9 States27 and under the Federal law neither time nor amount is limited, though in one of these (Washington) the employees contribute one-half of the cost. The period is without limit in 8 other States; which limit the amount, while the time but not the amount is limited;' in 9 States. However, time or amount or both may be increased ; in the discretion of the. commission in 18 States, so that there are\ blit 9 States 28 in which both items are absolutely restricted. The following table presents the facts in more detail: -  ---------------,  ■■ ■  ...............  -  — ■ ■■ —  -  .............................  -  ---------------- ----  ■  -  ~  »  \  » California, Connecticut, Hawaii, Idaho, Nebraska, New York, North Dakota, Porto Rico, and Wash- / ington. 28 Alabama, Colorado, Kansas, Montana, New Mexico, Rhode Island, South Dakota, Tennessee, and Vermont.   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  ACCIDENT REPORTING AND PREVENTION T A B lis  13  6.—MAXIMUM PERIODS AND AMOUNTS OF MEDICAL SERVICE UNDER VARIOUS COMPENSATION LAWS  ( M axim um period  State •! Alabam a___________ Alaska A rizon a____________ California__________ Colorado___________ Connecticut________ Delaware____ ______ Georgia_____ _______ H aw aii........................ Id a h o......... ..... .......... Illinois_____________ Indiana____________ Iow a _______________ Transas_____________ K en tu cky__________ Louisiana__________ M a in e_____________ I&aryland____ ______ Massachusetts.......... M ich igan__________ M innesota_________ Miontana.................... N ebraska........ ..........  fiO days Unlimited __ 60 days_____ U nlim ited. _ 30 d a y s 1___ ____ d o 1____ Unlimited — ____ d o______ 8 w eeks1___ 30 d a y s 1___ 4 weeks. ____ fift days 90 d a y s 1___ Unlimited ~ 30 d a y s 1___ Unlim ited- _ 2 w eeks1___ 90 days_____ ........ d o 1____ 2weeks........ Unlimited __  M axim um amount $100 Unlimited. 200 Unlimited. 1100 100 Unlimited. Unlimited. 1200 Unlimited. 1100 150 1100 250 1100 500 Unlimited. Unlimited. Unlimited. 100 Unlimited.  State  Maximum period  N evada....................... N ew Hampshire___ N ew Jersey................ N ew M e x ico ......... . N ew Y ork .................. North Dakota______ O hio_______________ O klahom a-................ Oregon........................ Pennsylvania............ Porto R ico................. Rhode Island............ South Dakota........... Tennessee__________ Texas.......................... U tah............................ Verm ont___________ Virginia____________ Washington............... W est Virginia............ W isco n sin ................ W yom ing................... United States............  90 days i ___ 14 days_____ Unlimited __ 10 days_____ Unlimited — ........d o . ......... ____ d o______ 60 days i ___ Unlimited 30 days......... Unlimited — 8 weeks____ 12 weeks___ 30 days _ _ 4 weeks i___ Unlimited — 2 weeks____ 60 days......... Unlimited 3_ ........d o ........... 90 days i ___ Unlimited ........ d o...........  M axim um amount Unlimited. Unlim ited. i$100 150 Unlim ited. Unlim ited. 1200 1 100 1250 1100 U nlimited. 200 150 100 Unlimited. 1500 100 Unlim ited. U nlimited. 600 Unlim ited. 200 Unlimited.  ; 1Additional service in special cases or at discretion of commission. ■ 3 Employees must pay one-half of medical cost. ADMINISTRATION AND SETTLEMENT OF CLAIMS  The desirability of an administrative agency charged specifically with the supervision of the compensation laws is recognized by all but 10 States 29 having such laws. In these States the agreements between the parties may be without supervision, or there may be provision for approval by the court (commissioner of labor in Rhode sland). Disputes are settled by the courts, though arbitrators are provided for m Arizona and Kansas. Summary procedure is gener­ ally directed, but a jury trial may be demanded in certain cases. Appeals to courts, usually limited to questions of law, are provided for in practically all jurisdictions.  f  ACCIDENT REPORTING AND PREVENTION  Nothing is more striking in connection with the subject of accident reporting than its lack of uniformity. The importance of complete reports, showing causes, nature, severity, and costs has been too Jittle recognized, even among those charged with the administration ' f the laws; while the employer has been too prone to minimize or isregard the occurrence of accidents except as an unfortunate incident land a possible source of an action for damages. The necessity of secur­ ing complete data for purposes of safety engineering, as well as for the determination of fair and adequate insurance rates is, however, gaining recognition, but much yet remains to be done before actually Comparable reports from the various States are available. I Only 21 States30 call for reports of all accidents, while 9 require jreports of those causing disability of one d a y 31 or more than one day.32  S  \ 29Alabama (limited supervision by compensation commissioner), Alaska, Arizona, Kansas, Louisiana, {New Hampshire, New Mexico, Rhode Island (commissioner of labor exercises certain functions), Tennessee, &nd Wyoming (fund is supervised by State treasurer). ; 30 California (involving time loss or medical aid), Delaware, Maine, Maryland, Massachusetts, Michigan, (Montana, Nevada, New Jersey, New York, North Dakota, Ohio, Oklahoma, Oregon, Porto Rico, South /Dakota, Tennessee (in coal mines in State fund), Utah, Washington, Wisconsin, and Wyoming. 31 Connecticut, Hawaii, Idaho, Minnesota, and Vermont (or requiring medical aid). ■ 33Indiana, Iowa, Kentucky, and Texas.  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  14  COMPARISON OF COMPENSATION LAWS OF UNITED STATES^ /  Other periods prescribed are: More than two days, Pennsylvania; one week, Georgia (or requiring medical, etc., aid), and Rhode Island* more than one week, Illinois and Virginia; 10 days, Colorado; \and oyer two weeks, Alabama. In 4 States33 reports are to be madfe as directed or required by the authorities. The States34 whose C om ­ pensation laws contain no provisions for reports of accident^ have other laws on the subject, limited, however, to coal mines, except in Louisiana, which requires reports of accidents causing disability of two weeks or more where women and children are employed. 5In Tennessee, besides the reports by coal operators in the State fund, mine operators generally and employers in mills, factories, etc., mi^ist report, the former to the chief mine inspector, and the latter to 4he inspector of factories and workshops. \ Existing deficiencies in the compensation laws in regard to accident reporting and prevention are offset to some extent by the fact tnat most States, and in particular those of industrial importance, have inspection agencies for factories, mines, etc., which are charged with duties of prevention, chiefly by way of enforcing safety statuses, though some may also prescribe standards. Though some develop­ ment appears in the direction of combining compensation administra­ tion with the enforcement of labor laws generally, the present situa­ tion is one of distributed rather than consolidated responsibility. However, the agency that administers compensation laws is also given certain powers as to safety devices, at least of inspection, m 17 States.35 NONRESIDENT ALIEN DEPENDENTS  i  The reopening of the question of discriminatory treatment of alijen nonresident dependents came with the enactment of compensatijon laws. The rule had become almost universal under the liability system, that they should have the same status as residents or citizeps of the States; but of the 22 State compensation laws on the statute books at the close of the year 1913 nearly one-third (7) made dis­ criminations unfavorable to such claimants, while in 1916, of &5 States nearly one-half (17) effected discriminations. At the present time, of 45 States 27-have provisions more or less discriminatory, 'so that an increasing tendency in the direction of less favorable treat­ ment is recognizable^ This may be by way of exclusion (4 States 3jP), reduced benefits (15 States37), permitting commutations to lump sums in reduced amounts (3 States38) , restricting possible beneficiarijes to persons of designated relationship, a provision that may exist aloi or m connection with reduced benefits (10 States 39), or the presumh tion of dependency may be destroyed (California). In 8 States,40 nonresident aliens are placed on the same footing residents, while in 10 41 they are not mentioned. In 3 of these latt  Kansas, Nebraska, New Hampshire, and West Virginia. Alaska, Arizona, Louisiana, and New Mexico. California, Colorado, Hawaii, Idaho, Indiana, Maryland, Montana, New Jersey, New York, No: Dakota, Ohio, Oregon, Pennsylvania, Utah, Vermont, West Virginia, and Wisconsin. 88 Alabama, Hawaii, New Mexico, and South Dakota. $ 87 Alaska, Colorado, Delaware, Georgia, Idaho, Iowa, Kentucky, Maine, Montana, Nevada, Pennslj vania, Utah, Virginia, Washington, and Wyoming. ) 88 Maryland, Nebraska, and New York. < 88 Delaware, Kentucky, Maryland, Nebraska, New York, Oregon, Pennsylvania, Washington, Wje Virginia, and Wyoming. » 48 Connecticut, Illinois, Michigan, Minnesota, Ohio, Tennessee, Texas, and Wisconsin. \ 44 Arizona, Indiana, Louisiana, Massachusetts New Hampshire, New Jersey, North Dakota, Porto Rile JRhode Island, and Vermont. ) 88 84 88   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  NONRESIDENT1 ALIEN DEPENDENTS  15  (In d ia n a , M a ssach u setts, and R h o d e Island) th ey h ave been included b y adm in istrative or court action, as is the case w ith the F ederal em p lo yees7 statu te. A n um ber of S tates except residents of C anada fro m their discrim ina­ tory provisions, or declare such provisions su bject to conflicting term s o f a n y trea ty , or d en y all benefits to aliens whose national law s w ould exclude citizens of the U n ite d S tates in like circum stances. T h e Suprem e C ourt of K a n sa s held a provision of the S ta te law th at lim ited benefits to $ 7 5 0 except to residents of Canada to be in conflict w ith the trea ty w ith Ita ly , and also w ith the equal protection clause of th e fou rteenth a m en d m en t, so th a t it could n ot stand (V ietti v. F uel Co. (1 9 2 1 ), 109 K a n s. 179, 197 P ac. 8 8 1 ). A n inferior court of P en n sylvan ia fou nd the law of th at S ta te restricting benefits to tw o-thirds the n orm al award also in conflict w ith the trea ty w ith Ita ly , and therefore ineffective (L iberate case). A n ow abrogated provision o f th e law of N e w Jersey excluded nonresident aliens, and was so enforced (G regutis v . W a c la r k W ir e W o r k s, 91 A t l. 98 , 92 A tL 3 5 4 ). A conspectus of the item s discussed in the foregoing pages is given in the accom pan ying chart.   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  [C h a rt R ev is ed Jan. 1, 1925] H o w e le c tio n is m a d e  E m p lo y m e n ts c o v e re d In s u ra n c e  S ta te P r iv a te  B y e m p lo y e r  P u b lic  B y e m p lo y e e  D e fe n s e s a b ro g a te d i f e m p lo y e r d o e s n o t e le c t  S u its fo r dam ages a fte r e le c tio n by b o t h e m p lo y e r a n d e m p lo y e e  S p e c ia l c o n t r a c t s  In ju r ie s c o v e re d  C o m p e n s a t io n b e n e fits W a it in g tim e P e r cent o f wages  A la b a m a . N o. A u g . 23, 1919, 1930.  245. A p p ro v e d I n e ffe c t J a n . 1,  Elective,  a s to a ll e m p lo y m e n t s e x c e p t t h o s e h a v i n g le s s t h a n 1 6 e m p lo y e e s , f a r m , la b o r , d o m e s t ic s e r v ic e , a n d c a s u a l e m p lo y m e n t s n o t in u s u a l c o u r s e o f e m p lo y e r ’ s b u s in e s s . a s to e m p lo y m e n t s h a v in g le s s t h a n 1 6 e m p lo y e e s .  Vol­  untary,  A la s k a . C h . 7 1 . A p p r o v e d A p r . 2 9 i, 1 9 1 5 . I n e f f e c t J u l y 2 8 , 1 9 1 5 . A ta e n d e d , 1917. N e w a c t, c h . 9 fy 1 9 2 3 . I n e ffe c t A u g . 2 , 192 3 .  A r iz o n a . C h . 1 4 ( e x t r a s e s s io n ) . A p p ro v e d J u n e 8, 1912. In E ffe c t S e p t. 1, 1912. N e w a c t, d h . 7, 1913, a m e n d e d , 1919.  C a lifo r n ia . C h . 399. A p p ro v e d A /p r. 8 , 1911. I n e ffe c t S e p t. 1, 1811. N e w a c t, c h . 176, 1913. A m e n d e d , 1915. N e w a c t, e h . 5 8 6 , 1 9 1 7 . I n e ffe c t J a n . 1, 1 9 1 8 . A m e n d e d , 1919, 1923.  C o lo r a d o . C h . 179. A p p ro v e d A p r . 10, 1915. I n e ffe c t A u g . 1, 1915. A m e n d e d , 1917. N e w a c t, C h . 2 1 0 , 1919. A m e n d e d , 1923.  C o n n e c tic u t. C h. 138. A p ­ p r o v e d M a y 2 9 , 1913. I n e ffe c t J a n . 1, 1914. A m e n d e d , 1915, 1917, 1919, 1921.  D e la w a r e . C h . 233. A p p ro v e d A p r . 2 , 1 9 1 7 . I n e ffe c t J a n . 1, 1 8 1 8 . A m e n d e d , 1 9 1 9 , 1 9 2 1 ,1 9 2 3 .  as 5 o r m o re s e r v ic e , com m on  t o a ll e m p lo y m e n t s h a v in g e m p lo y e e s , e x c e p t d o m e s t ic a g r ic u ltu r e , d a ir y in g , a n d c a r r ie r r a ilr o a d s .  Com pulsory,  a s to a ll e m p lo y m e n t s e x c e p t f a r m la b o r , d o m e s t ic s e r v ic e , a n d c a s u a l e m p lo y e e s n o t i n u s u a l c o u r s e o f e m p lo y e r ’ s b u s in e s s . a s to e x c e p te d e m p lo y m e n t s .  Vol­  untary,  Elective,  a s t o a ll e m p lo y m e n t s e x c e p t t h o s e h a v i n g r e g u l a r l y le s s t h a n 4 e m p lo y e e s , f a r m la b o r , d o m e s tic s e r v ic e , c a s u a l e m p lo y e e s n o t in u s u a l c o u r s e o f e m p lo y e r ’s b u s in e s s . a s t o e x c e p te d e m p lo y ­ m e n ts .  Voluntary,  Elective,  a s t o a ll e m p lo y m e n t s t h o s e h a v i n g r e g u l a r l y le s s e m p lo y e e s , o u t w o r k e r s , a n d e m p lo y e e s , n o t f o r p u r p o s e p l o y e r ’s t r a d e o r b u s in e s s . a s to e x c e p te d e m p lo y m  tary, Elective,  except th a n 5 casual of em ­  Volun­  e n ts .  a s t o a ll e m p lo y m e n t s e x c e p t t h o s e h a v i n g le s s t h a n 5 e m p l o y e e s , f a r m la b o r , d o m e s tic s e r v ic e , o u t ­ w o r k e r s , a n d c a s u a l e m p lo y e e s n o t i n u s u a l c o u r s e o f e m p l o y e r ’s b u s i ­ ness.  Elective,  a s to a ll e m p lo y m e n t s h a v in g 1 0 o r m o r e e m p lo y e e s , e x c e p t c a s u a l a n d f a r m la b o r , d o m e s t ic s e r v ic e , c o m m o n c a r r ie r s u s in g s te a m p o w e r , a n d in s t it u t io n s o p e r a te d a s p u b lic c h a r itie s . a s t o e x c e p te d e m p lo y m e n t s .  Com pulsory,  a s to a ll in d u s t r ia l e m ­ p lo y m e n t s c a r r ie d o n f o r g a in , e x ­ c e p t c a s u a l e m p lo y e e s , t h o s e n o t i n u s u a l c o u r s e o f e m p lo y e r ’ s b u s in e s s , a n d th o s e r e c e iv in g m o r e t h a n $ 3 6 a w e e k f r o m a n y o n e e m p lo y e r .  ( F o llo w s p . 1 5 .)   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  N o p r o v i s i o n ...............................  N o t r e q u i r e d ..............................  P re s u m e d in a b se n c e o f w r itte n n o tic e file d w ith U n ite d S ta te s c o m m is s io n e r .  P re s u m e d in a b se n c e o f w r it t e n n o tic e t o e m p lo y e r a n d file d w ith c o u rt.  P re s u m e d in a b s e n c e of w r itte n n o t ic e s e rv e d o n e m p lo y e r a n d file d w ith U n ite d S ta te s c o m ­ m is s io n e r .  A s s u m e d r is k , f e llo w s e r v ic e , a n d c o n t r ib ­ u to ry n e g lig e n c e , u n le s s e m p lo y e e is g u ilt y o f w i l l f u l m is ­ c o n d u c t a s d e fin e d .  A s s u m e d r is k , f e llo w s e r v ic e , a n d c o n t r ib ­ u to ry n e g lig e n c e , u n le s s w i l l f u l o r d u e to in to x ic a t io n  N o. 1  A p p ro v e d s u b s titu te schem es p e r m itte d . A g r e e m e n t s f o r r e d u c t io n o f c o m p e n s a t io n b e n e fits p e r m itte d i f a p p r o v e d b y c o u rt.  N o t p e r m itte d ..  A fte r in ju r y , h a s o p tio n in g c o m p e s u in g f o r c h o ic e is e  Compulsory,  a s to a ll e m p lo y e e s except d e p u t y c le r k s , d e p ­ u ty s h e r iffs , and d e p u ty c o n s ta b le s s e r v in g w i t h o u t r e ­ m u n e r a tio n .  Compulsory,  a s to a ll e m p lo y e e s except e le c tiv e o ffic ia ls a n d m e m b e rs o f N a tio n a l G u a rd .  Elective, a s  E m p lo y e r s m u s t in ­ s u re in th e S ta te fu n d o r p r iv a te c o m ­ p a n ie s , o r p r o v id e s e lf- in s u r a n c e .  E le c tin g e m p lo y e r s m u s t in s u r e m S ta te fu n d o r p r i v a t e c o m p a n ie s , o r p r o ­ v id e s e lf - in s u r a n c e .  P re s u m e d in a b se n c e o f w r it t e n n o tic e t o c o m m is s io n ; n o tic e o f r e je c t io n t o be p o s te d .  P re s u m e d in a b s e n c e o f w r it t e n n o tic e t o e m p lo y e r and to c o m m is s io n .  E le c tin g e m p lo y e r s m u s t in s u r e in p r i­ v a t e c o m p a n ie s , o r p r o v id e s e lf - in s u r ­ ance.  P re s u m e d in a b s e n c e o f w r i t t e n n o tic e .  as to e m ­ p lo y e e s of m a yo r a n d c o u n c il o f W i l ­ m i n g t o n , e x c e p t e le c ­ t iv e o r a p p o in tiv e fo r fix e d t e r m .  E le c tin g e m p lo y e r s m u s t in s u r e in p r i­ v a t e c o m p a n ie s , o r p r o v id e s e lf - in s u r ­ ance.  P re s u m e d in a b s e n c e o f p r in t e d n o tic e t o e m p lo y e r p o s t e d in p la n t , a n d f ile d w ith b o a rd .  P re s u m e d in a b s e n c e o f w r i t t e n n o t ic e t o e m p lo y e r a n d f ile d w ith b o a rd .  E le c tin g e m p lo y e r s m u s t in s u r e o r p r o ­ v id e s e lf- in s u r a n c e ; t h e f o r m s o f p o lic ie s a r e s u b je c t t o a p ­ p ro v a l b y th e c o m ­ m is s io n .  P re s u m e d in a b se n c e of w r itte n n o tic e file d w it h th e c o m ­ m is s io n a n d p o s te d in th e e s ta b lis h ­ m e n t.  P re s u m e d in a b s e n c e o f w r it t e n n o tic e t o e m p lo y e r , w i t h c o p y t o c o m m is s io n .  tary, Com pulsory,  Compulsory,  as to m u n ic ip a l c o r p o r a ­ tio n s a n d p o litic a l s u b d iv is io n s o f th e S ta te .  Compulsory, e m p lo y e e le c tiv e e m p lo y e m o re th y e a r.  a s to a ll es except o ffic ia ls o r e s r e c e iv in g a n $ 1 ,8 0 0 a  E m p lo y e r s m u s t in ­ s u re in p r iv a te c o m ­ p a n ie s , o r p r o v id e s e lf - in s u r a n c e .  P e r m it t e d i f b e n e fits e q u a l th o s e o f a c t.  P e r m itte d i f e m p lo y e r f a ils to in s u r e r is k .  to th e S ta te a n d a ll p u b lic c o r ­ p o r a tio n s h a v i n g r e g u la r ly 5 o r m o r e e m p lo y e e s . a s to o th e rs .  Volun­  .  e m p lo y e e o f a c c e p t­ n s a tio n o r dam ages; x c lu s iv e .  P re s u m e d in a b s e n c e o f w r it t e n n o tic e .  A s s u m e d r is k , f e llo w s e r v ic e , a n d c o n t r ib ­ u t o r y n e g lig e n c e u n ­ le s s w i l l f u l .  A s s u m e d r is k , fe llo w s e r v ic e , and con­ t r i b u t o r y n e g lig e n c e .  A s s u m e d r is k , f e llo w s e r v ic e , and contr ib u to r y n e g li­ gence.  A s s u m e d r is k , fe llo w s e r v ic e , a n d c o n t r ib ­ u t o r y n e g lig e n c e .  N o t p e r m i t t e d .........................  P e r m it t e d i f e m p lo y e r f a ils t o in s u r e r is k .  P e r m it t e d i f e m p lo y e r fa ils t o in s u r e r is k .  |  1 9 6 4 5 °— 2 5 f.  e e s o f c o u n ty , c ity , to w n , v illa g e , or s c h o o l d is tr ic t.  P re s u m e d in a b se n c e of w r itte n n o t ic e file d w it h c o u r t a n d p o s te d in e s ta b lis h ­ m e n t.  Com pulsory, a s t o “ e s p e c i a l l y d a n ­ g e r o u s ” e m p lo y m e n t s e n u m e r a te d . Voluntary, a s t o o t h e r e m p l o y m e n t s .  Voluntary,  H a w a ii. N o . 221. A p p ro v e d A p r . 2 8 , 1915. I n e ffe c t J u ly 1, 1915. A m e n d e d , 1917, 1923.  N o t r e q u i r e d . . .........................  o  G e o r g ia . P a g e 167. A p p ro v e d A u g . 17, 1920. I n e ffe c t M a r . 1, 1921. A m e n d e d , 1922, 1923.  Elective,  Elective, a s t o e m p l o y ­ ees o f S ta te . Volun­ tary, a s t o e m p l o y ­  W a iv e r s fo r b id d e n , b u t a p ­ p r o v e d h o s p ita l fu n d m a y b e m a in ta in e d .  P e r s o n a l in ju r ie s b y a c c id e n t a r is ­ in g o u t o f a n d in c o u r s e o f e m ­ p lo y m e n t u n le s s d u e t o i n t o x i ­ c a t io n , w i l l f u l m is c o n d u c t, i n ­ t e n t io n t o in ju r e s e lf o r a n o th e r , in flic te d b y t h ir d p a r t y fo r p e r ­ s o n a l re a s o n s , o r w il l f u l fa ilu r e t o u s e s a f e t y a p p lia n c e s , o r o b e y s a f e t y la w s o r r u le s .  2 w e e k s . N o n e i f d is ­ a b ility c o n tin u e s fo r 4 w e e k s o r m o re .  P e r s o n a l in ju r ie s b y a c c id e n t a r is ­ in g o u t o f a n d in t h e c o u r s e o f e m p lo y m e n t u n le s s d ir e c t ly d u e to in to x ic a t io n o r w illf u l in t e n ­ t io n t o in ju r e s e lf o r a n o t h e r .  1 w eek. N o n e i f d is ­ a b ilit y c o n tin u e s f o r 8 w e e k s o r m o re .  P e r s o n a l in ju r ie s b y a c c id e n t a r is ­ in g o u t o f a n d i n t h e c o u r s e o f e m p lo y m e n t d u e to a n e c e s s a ry r is k o f th e s a m e , o r to fa ilu r e o f e m p lo y e r o r a n y e m p lo y e e t o e x e r c is e d u e c a r e o r t o c o m p ly w i t h a n y la w . P e r s o n a l in ju r ie s a r is in g o u t o f a n d in th e c o u rs e o f e m p lo y m e n t u n le s s d u e t o i n t o x i c a t i o n o r i n ­ te n tio n a lly s e lf- in flic te d ; in ­ c lu d e s in j u r i e s t o a r t i f i c i a l lim b s . O c c u p a t io n a l d is e a s e s in c lu d e d .  P e r s o n a l in ju r ie s a c c id e n t a lly s u s ­ ta in e d a r is in g o u t o f a n d in th e c o u rs e o f e m p lo y m e n t n o t in t e n ­ t io n a lly s e lf- in flic te d .  2 w e e k s . N o n e i f d is ­ a b ility c o n tin u e s lo n g e r t h a n 2 w e e k s .  1 w eek.  D e a th , 20 to 6 0 p e r c e n t. D is a b ility , 5 0 to 6 0 p e r c e n t.  50 p e r c e n t fo r te m p o ­ r a r y to ta l d is a b ility . F ix e d lu m p s u m s in o th e r cases.  50 p e r c e n t .  m a y be b e n e fits P h y s i­ p lo y e e s to c o m ­  P e r s o n a l in ju r ie s a r is in g o u t o f a n d i n c o u r s e o f e m p lo y m e n t u n le s s d u e t o w i l l f u l a n d s e r io u s m is ­ c o n d u c t o r in to x ic a t io n . O c c u ­ p a t i o n a l d is e a s e s in c lu d e d .  l w eek. N o n e i f d is ­ a b ility c o n tin u e s lo n g o r t h a n 4 w e e k s .  A p p ro v e d s u b s s c h e m e s p e r m itte d f it s e q u a l th o s e W a iv e r s f o r b id d e n  titu te if b e n e ­ o f a c t. .  P e r s o n a l in ju r ie s b y a c c id e n t a r is ­ in g o u t o f a n d in c o u r s e o f e m ­ p lo y m e n t u n le s s d u e t o w i l l f u l i n t e n t io n t o in ju r e s e lf o r a n ­ o th e r , in to x ic a t io n , fa ilu r e to u s e s a fe g u a rd s , v io la t io n o f la w , r e c k le s s n e s s , o r c a u s e d b y t h i r d p a r ty fo r p e rs o n a l re a s o n s . A n y i n j u r y b y a c c id e n t a r is in g o u t o f a n d in th e c o u rs e o f e m p lo y ­ m e n t , n o t i n c l u d i n g d is e a s e s e x ­ c e p t th o s e r e s u ltin g fr o m th e a c c id e n t n o r in ju r ie s b y t h i r d p e r ­ s o n s fo r p e rs o n a l re a s o n s , o r d u e t o w i l l f u l m is c o n d u c t , i n t e n t t o in ju r e s e lf o r a n o t h e r , in t o x ic a ­ t io n , o r w illf u l fa ilu r e t o u s e a s a f e t y a p p lia n c e o r o b s e r v e la w o r r e g u la t io n . P e rs o n a l in ju r ie s b y a c c id e n t a r is in g o u t o f a n d i n c o u rs e o f e m p lo y m e n t u n le s s d u e t o w i l l ­ f u l i n t e n t io n t o in ju r e s e lf o r a n o th e r, or to in to x ic a t io n . O c c u p a t io n a l d is e a s e s in c lu d e d .  2 w e e k s . N o n e i f d is ­ a b ilit y c o n tin u e s f o r 4 w e e k s o r m o re .  7 days.  1 w e e k . N o n e in c a se o f p a r tia l d is a b ility .  M a x im u m , $15. m u m , $5, o r w ages.  M in i­ a c tu a l1  N o p r o v is io n .  M a x im u m  P e rm a n e n t to ta l b ility , 550 w e e k s . cases, 300 w e e k s .  d is a ­ O th e r  N o t f lx e d .  N o p r o v is io n .  D e a th s (а ) D e p e n d e n t s (б ) N o d e p e n d e n t s  p e r io d  T o t a l d is a b ility (а ) P e r m a n e n t (б ) T e m p o r a r y  ( a ) E x p e n s e s o f la s t s ic k n e s s a n d b u r ia l, m a x im u m , $ 1 0 0 ; 2 0 to 6 0 p e r c e n t o f w a g e s fo r n o t o v e r 3 0 0 w e e k s ; m a x im u m , $ 1 2 to $ 1 5 ; m in im u m , $5, o r a c tu a l w a g e s ; t o t a l n o t o v e r $ 5 ,0 0 0 . (b ) E x ­ p e n s e s o f la s t s ic k n e s s a n d b u r i­ a l, m a x im u m , $ 1 0 0 .  ( a ) $ 3 ,9 0 0 t o w i d o w o r m i n o r o r ­ p h a n ; $ 7 8 0 to e a c h c h ild u n d e r 16 a n d to d e p e n d e n t p a re n ts ; m a x im u m , $ 7 ,8 0 0 . If s in g le , $ 1 ,5 6 0 t o e a c h d e p e n d e n t p a r e n t . (6 ) $ 1 9 5 m a x im u m fo r b u r ia l e x ­ p e n se s; $195 fo r o th e r e xp e n se s b e tw e e n a c c id e n t a n d d e a th . ( a ) 2 ,4 0 0 t i m e s o n e - h a lf a v e r a g e d a i l y w a g e s ; m a x i m u m , $ 4 ,0 0 0 . ( R e a s o n a b le m e d ic a l a n d b u r ia l e x p e n s e s .  N o t f ix e d .  (b)  (a ) 50 p e r c e n t o f w a g e s d u r in g d i s a b i l i t y ; m a x i m u m , $ 4 ,0 0 0 .  65 p e r c e n t.  50 p e r c e n t.  D e a th , 15 to 6 0 p e r c e n t. D is a b ility , 50 p e r c e n t.  50 p e r re n t  D e a th , 25 to 6 0 p e r r e n t. T o t a l d is a b il­ ity , 60 p e r re n t. P a r tia l d is a b ility , 50 p e r c e n t.  Maximum, $ 2 0 . 8 3 . mum, $ 4 . 1 7 .  M in i-  M a x im u m , $12. M in i­ m u m : D e a t h , $ 5 , d is a b il­ it y , $5, o r a c tu a l w a g e s .  Maximum, mum, $ 5 .  $18.  D e a th : W e e k ly m a x im u m , m u m , $10. M a x im u m , m u m , $5, w ages.  M in i­  P e r m a n e n t t o t a l d is a b ili­ ty , lif e . T e m p o ra ry d is a b ility , 2 4 0 w e e k s .  D e a th , 312 w e e k s . P e r­ m a n e n t t o t a l d is a b ility , lif e .  D e a th , 312 w e e k s . b ilit y , 520 w e e k s .  D is a ­  b a s ic w a g e , P e r m a n e n t t o t a l d i s a b i l i ­ $30; m in i­ ty , 475 w e e k s . O th e rs , D is a b ility ; 285 w e e k s . $15; m in i­ or a c tu a l  T o ta l d is a b ility : M a x i­ IT o ta l d is a b ilit y , 350 m u m , $ 1 5 ; m in im u m , w e e k s ; p a r tia l d is a b ility , $ 4 , o r f u l l w a g e s i f le s s o r d e a th , 3 0 0 w e e k s . th a n $4. P a r t ia l d is ­ a b ilit y , m a x im u m , $ 1 2 w e e k ly ; f o r s p e c ifie d i n ­ ju r ie s , s a m e a s fo r t o t a l d is a b ility . D e a th , 85 p e r r e n t o f a t o t a l d is ­ a b ilit y . D e a t h : B a s ic w a g e , m a x i­ m u m , $ 3 6 ; m i n i m u m , '3 1 2 w e e k s ................................................. $5. T o ta l d is a b ility :1 M a x im u m , $ 2 0 ; m in i­ m u m , $5, o r a c tu a l w ag es) i f d is a b ilit y is t e m p o ­ r a r y . P a r t ia l d is a b ilit y ; M a x im u m , $ 1 2  * N o t p r o v id e d f o r in c o m p e n s a tio n la w .  (a ) B u r ia l e x p e n s e s , n o t o v e r $100; 65 p e r c e n t o f w a g e s to e q u a l 3 y e a r s ’ a n n u a l e a r n in g s ; m a x i­ m u m , $ 5 ,0 0 0 ; m i n i m u m , $ 1 ,0 0 0 . (6 ) R e a s o n a b le b u r ia l e x p e n s e s m a x im u m , $ 1 0 0 .  (a ) 5 0 p e r c e n t o f w a g e s fo r 6 y e a rs ; m a x im u m $1 2 , m in im u m $5; t o t a l n o t o v e r $ 3 ,7 5 0 . ( R ea­ s o n a b le b u r ia l e x p e n s e s ; m a x i­ m u m , $125.  b)  (a ) B u r ia l e x p e n s e s , $ 1 0 0 ; 50 p e r r e n t o f w a g e s fo r 312 w e e k s ; m a x im u m , $ 1 8 ; m in im u m , $ 5 . (b ) B u r ia l e x p e n s e s , $ 1 0 0 .  ( a ) E x p e n s e s o f la s t s ic k n e s s a n d b u r ia l, m a x im u m , $ ; 25 to 60 p e r c e n t o f w a g e s t o w id o w o r d e ­ p e n d e n t w id o w e r fo r 2 8 5 w e e k s ; b a s ic w age, m a x im u m , $30; m in im u m , $ 1 0 . (b ) E x p e n s e s o f l a s t s ic k n e s s a n d b u r i a l , m a x i ­ m u m , $100. (a ) B u r ia l e x p e n s e s , n o t o v e r $ 1 0 0 ; 8 5 p e r r e n t o f to t a l d is a b ility b e n e fit fo r 3 0 0 w e e k s ; t o t a l n o t o v e r $ 5 ,0 0 0 . (b ) E x p e n s e s o f l a s t s ic k n e s s a n d b u r ia l, n o t t o •-e x c e e d $ 1 0 0 .  100  (a)  Burial expenses, $ 1 0 0 ; 2 5 to 6 0 per cent of wages for 3 1 2 weeks; basic wage, maximum, $ 3 6 ; minimum, $ 5 ; total not over $ 5 ,0 0 0 . (b ) Burial expenses,  $ 100.  (n ) 6 5 p e r c e n t o f w a g e s fo r 240 w e e k s , t h e n 4 0 j> e r c e n t f o r l i f e , (b ) 6 5 p e r c e n t o f w a g e s d u r in g d is a b ilit y ; n o t o v e r 2 4 0 w e e k s n o r 3 y e a r s ’ e a r n in g s , n o r $ 5 ,0 0 0 .  (a ) (b ) 5 0 p e r r e n t o f w a g e s d u r in g d is a b ility ; m a x im u m , $ 1 2 , m in i­ m u m , $ 5, o r a c tu a l w a g e s .  (a) (b)  5 0 p e r c e n t o f w a g e s d u r in g d is a b ility , n o t o v e r 5 2 0 w e e k s ; m a x im u m , $ 1 8 ; m in im u m , $5  (a ) (b ) 5 0 p e r d is a b ility , m a x im u m , o r a c tu a l w $ 4 ,0 0 0 .  cent of wages d n o t o v e r 475 w $ 1 5 ; m in im u m a g e s; to ta l n o t  u r in g eeks; , $5, over  ( a ) (b ) 5 0 p e r r e n t o f w e e k ly w a g e s fo r n o t o v e r 3 5 0 w e e k s : $ 1 5 m a x i­ m u m , $4 m in im u m , o r f u ll w a g e s i f le s s t h a n $ 4 ; n o t m o r e t h a n $ 5 ,0 0 0 i n a ll.  (a)  (b ) 6 0 p e r c e n t o f w a g e s d u r in g d is a b ility , n o t o v e r 3 1 2 w e e k s ; m a x im u m , $ 2 0 ; m in im u m , $ 5 , a c tu a l w a g e s i f d is a b ility is t e m p o r a r y ; t o t a l n o t o v e r $ 5 ,0 0 0 .  N o n r e s id e n t alien beneficiaries  M e d ic a l a n d s u r g ic a l a id  P a r t ia l d is a b ility  (a ) 50 to 60 p e r c e n t o f w a g e s fo r 4 0 0 w e e k s ; m a x im u m , $ 1 2 to $ 1 5 ; m in im u m , $5, o r a c tu a l w a g e s ; n o t o v e r $5 th e r e a fte r fo r 150 w e e k s in c e r ta in c a s e s ; t o t a l n o t o v e r $ 5 ,0 0 0 . (b ) 5 0 t o 6 0 p e r c e n t o f w a g e s d u r in g d is a b ilit y ; n o t o v e r 3 0 0 w e e k s ; m a x im u m , $ 1 2 to $15; m in im u m , $ 5 , o r a c ­ tu a l w ag es. ( a ) $ 4 ,6 8 0 , $ 1 ,5 6 0 a d d i t i o n a l i f w ife a n d $ 7 8 0 fo r e a c h c h ild u n ­ d e r 1 6 . I f s in g le , $ 7 8 0 f o r e a c h d e p e n d e n t p a r e n t; m a x im u m , $ 7 ,8 0 0 . (b ) 5 0 p e r c e n t o f w a g e s d u r in g d is a b ilit y .  b)  10 d a y s .......................... 5 0 p e r c e n t ............................  A p p ro v e d schem es s u b s titu te d if e q u a l th o s e o f a c t. c a lly d e fe c tiv e e m m a y w a iv e r ig h t p e n s a tio n .  M a x im u m a n d m in im u m w e e k ly c o m p e n s a tio n p a y m e n ts  5 0 t o 6 0 p e r c e n t o f w a g e lo s s d u r i n g d is a b ilit y fo r n o t o v e r 3 0 0 w e e k s ; m a x i m u m , $ 1 2 t o $ 1 5 . S p e c ifie d in ju r ie s , 5 0 t o 6 0 p e r c e n t o f w a g e s f o r f ix e d p e r io d s ; m a x im u m , $ 1 2 t o $ 1 5 ; m in im u m , $ 5 , o r a c tu a l w ages.  R e a s o n a b le m e d ic a l, s u r g ic a l, a n d h o s p it a l s e r v ic e m a x im u m , $ 1 0 0 ; c h a rg e s lim it e d t o p r e v a ilin g ra te s .  for 60 days;  L u m p s u m s b a s e d u p o n s c h e d u le fo r p e rm a n e n t to ta l d is a b ility p ro ­ p o r t i o n e d t o lo s s o f e a r n in g c a p a c ­ i t y ; m a x i m u m , $ 6 ,2 4 0 . S p e c ifie d in ju r ie s , lu m p s u m s , v a r y in g w it h num b er of d e p e n d e n ts ; lu m p s u m s f o r c e r t a in d is f ig u r e m e n t s .  O n ly in fa ta l c a se s in v o lv in g n o d e p e n d e n ts ; m a x im u m , $ 1 9 5 fo r d e a th * * *  b e tw e e n  in i I , r y  E x c lu d e d .  T im e f o r n o tic e a n d c la im  ( a ) B y w h o m a d m in is t e r e d n o w c la im s a r e s e ttle d  (0)  N o tic e t o e m p lo y e r w it h in 5 d a y s ; n o c o m p e n s a tio n i f a fte r 9 0 d a y s . C la im in 1 y e a r.  Three-fourths benefits.  and  N o tic e in 1 2 0 d a y s ; c la im 2 y e a rs .  (a ) C o u r ts ; lim it e d s u p e r v is io n b y c o m p e n s a tio n c o m m is s io n e r . (b ) D ir e c t s e t t le m e n t s b e tw e e n p a r tie s i f in “ s u b s ta n tia l” c o n fo r m ity w it h la w ; c o u r t m a y a p p r o v e a le s s a m o u n t i f in in t e r e s t o f e m p lo y e e . D is p u t e d c a s e s s e ttle d b y c o u r ts .  in  Accident-prevention work b y — (a) Compensation commission, (b) Other agencies  A c c id e n t r e p o r ts r e q u ir e d  (a) Courts,  (b) Voluntary agreementdisputed cases settled by S ’  A l l e le c tin g e m p lo y e r s m u s t r e ­ p o r t a l l a c c id e n t s o f o v e r 2 w e e k s ’ d is a b ilit y t o c o m p e n s a tio n c o m ­ m is s io n e r w i t h i n 1 5 d a y s ; s u p ­ p le m e n ta r y r e p o r t a fte r 6 0 d a y s o r u p o n te r m in a tio n o f d is a b ility  faC hei £ f mine °r X 0Visi0n' um inspector.!<W I Alabama,  N o p r o v i s i o n ..................................  (a)  N o commission, ( b ) | A l a s k a . M ine inspector (who is also ex officio labor com­ missioner).1  I  5 0 p e r c e n t o f w a g e lo s s d u r i n g d is - | a b i l i t y ; m a x im u m , $ 4 ,0 0 0 .  I f p e rm a n e n t, 6 5 p e r c e n t o f w a g e s f o r p e r io d s p r o p o r t io n a t e t o d is a ­ b ilit y , th e n re d u c e d ra te s fo r life i f 7 0 p e r c e n t o r m o r e d is a b le d ; if te m jx ir a r y , 6 5 p e r c e n t o f w a g e lo s s d u r i n g d i s a b i l i t y ; n o t o v e r 2 4 0 w e e k s n o r 3 y e a r s ’ e a r n in g s n o r $ 5 ,0 0 0 . D is fig u r e m e n t c o m p e n ­ s a b le . I f p e r m a n e n t, a s u m p r o p o r tio n a te t o a t o t a l d is a b ilit y b e n e f it , n o t o v e r $ 3 ,1 2 0 ; f ix e d p e r io d s f o r s p e c i­ fie d in ju r ie s ; a ll p a y m e n ts , 5 0 p e r c e n t o f w a g e s , m a x im u m , $ 1 2 , m in im u m , $ 5 , o r a c tu a l w a g e s ; a ll in a d d itio n t o te m p o r a r y to ta l. I f te m p o ra ry , 5 0 p e r c e n t o f w a g e lo s s d u r i n g d i s a b i l i t y ; m a x i m u m , $ 1 2 ; n o t o v e r $ l; 5 6 0 in a ll. D is ­ fig u r e m e n t , m a x im u m , $ 5 0 0 . 5 0 p e r c e n t o f w a g e lo s s d u r i n g d is a ­ b ility , n o t over 520 w eeks; w e e k l y m a x i m u m , $ 1 8 . S p e c ifie d in ju r ie s , 5 0 p e r c e n t o f w a g e s fo r f ix e d p e r io d s ; w e e k ly m a x im u m , $ 1 8 ; m in im u m , $ 5 ; in a d d itio n to te m p o r a r y to ta l. 5 0 p e r c e n t o f w a g e lo s s f o r n o t o v e r 2 8 5 w e e k s ; m a x i m u m , $ 1 5 . S p e c i­ fie d in ju r ie s , 5 0 p e r c e n t o f w a g e s f o r f ix e d p e r io d s ; m a x im u m , $ 1 5 ; m in im u m , $5, o r a c tu a l w a g e s .  5 0 p e r c e n t o f w a g e lo s s , n o t o v e r $ 1 2 p e r w e e k , n o t m o re th a n 300 w e e k s , in c lu d in g a n y p e r io d o f t o t a l d is a ­ b ility . S p e c ifie d in ju r ie s , 5 0 p e r c e n t o f w a g e s f o r f ix e d p e r io d s , a fte r n o t m o r e t h a n 10 w e e k s ’ a l­ lo w a n c e fo r t o t a l d is a b ilit y , i f a n y ; m a x im u m , $ 1 5 ; m in im u m , $4 , o r a c t u a l w a g e s i f le s s .  R e a s o n a b le m e d ic a l a n d b u r ia l e x p e n s e s in fa ta l c a se s in v o lv in g n o d e p e n d e n ts o n ly .  Reasonable medical, surgical and hospital treatment.  R e a s o n a b le m e d ic a l, s u r g ic a l, a n d h o s p ita l t r e a t m e n t m a x im u m , $ 2 0 0 ; n o t im e li m i t in c a s e o f h e r n ia ; a d d itio n a l a l­ lo w a n c e f o r d e n t a l s e r v ic e , m a x i m u m , $100.  for 60 days;  S u c h m e d ic a l, s u r g ic a l, o r h o s p it a l t r e a t m e n t a s d e e m e d r e a s o n a b le b y a tte n d in g p h y s ic ia n ; c h a rg e s lim ite d to p r e v a ilin g ra te s . S p e c ia l p r o v is io n f o r s e a m e n o n U n i t e d S t a t e s v e s s e ls . R e a s o n a b le m e d ic a l, s u r g ic a l, a n d h o s p ita l tr e a t m e n t m a x im u m , $ 1 0 0 . B o a r d m a y in ­ c re a s e t im e a n d a m o u n t.  for SO days;  not  N e c e s s a r y m e d ic a l a t t e n t io n , m a x im u m , $ 1 0 0 , c h a rg e s lim ite d to th o s e fo r o th e r p e rs o n s o f lik e s ta n d ­ in g . C o n t in u e d t r e a t m e n t m a y b e o ffe r e d a n d m u s t b e a c c e p te d u n le s s t h e c o m m is s io n o r d e r s o t h e r w is e . S p e c ia l p r o v is io n f o r s u r g ic a l o p e r a t io n s f o r h e r n ia .  more than SO days;  5 0 p e r c e n t o f w a g e lo s s d u r i n g d is a ­ b i l i t y , n o t o v e r 3 1 2 w e e k s ; m a x i­ ; M e d ic a l, s u r g ic a l, a n d h o s p it a l m u m , $ 1 2 ; t o t a l n o t o v e r $ 5 ,0 0 0 . ! s e r v ic e , s u c h a s t h e n a t u r e o f t h e in j u r y r e q u ir e s ; c h a rg e s lim it e d S p e c ifie d in ju r ie s , 5 0 p e r c e n t o f to p r e v a ilin g ra te s . w a g e s f o r f ix e d p e r io d s , in a d d it io n to te m p o ra ry t o ta l. D is fig u r e ­ m e n t , m a x i m u m , $ 5 ,0 0 0 .  N o p r o v i s i o n .....................  N o tic e in 2 w e e k s ; n o n e r e ­ q u ir e d in c a s e o f d e a th o r in c o m p e t e n c e ; c la im i n y e a r.  N o p r o v is io n .  1  N o p r e s u m p tio n dependency.  of  One-fourth benefits...  Included.  N o tic e in 3 0 d a y s ; c la im in 6 m o n th s fo r d is a b ility , 1 y e a r fo r d e a th , 2 y e a rs if a n y s e t t l e m e n t f o r le s s th a n a s ta tu to ry a w a rd h a s n o t b e e n a p p ro v e d b y t h e c o m m is s io n .  N o t ic e in 2 d a y s ; c la im in 6 m o n th s ; 1 y e a r in c a se o f d e a th .  1  N o t ic e a t o n c e ; c la im in y e a r, 2 y e a rs fo r d u e c a u s e show n.  One-half benefits; to i N o t i c e i n 1 4 d a y s ; i f i n 3 0 widows and children only. 1 d a y s , n o t b a rre d e x c e p t as t o e x t e n t e m p lo y e r w a s p r e ju d ic e d ; b a r a b s o lu t e a fte r 9 0 d a y s . C la im in 1 y e a r.  One-half benefits, not o v e r $ i,o o o , e x c e p t t o r e s id e n ts o f C a n ­ ada.  Excluded.  N o tic e im m e d ia t e ly ; b a r r e d a f t e r 3 0 d a y s u n le s s r e a s o n ­ a b le e x c u s e a n d e m p lo y e r s h o w n n o t to b e p r e ju ­ d ic e d b y d e la y ; c la im i n 1 y e a r.  N o t ic e a s s o o n a s p r a c tic a b le ; c la im in 3 m o n th s ; n o t r e ­ q u ir e d i f a id o r c o m p e n ­ s a tio n h a s b e e n v o lu n t a r i­ l y g iv e n .  S ta te  (a ) N o c o m m is s io n , M i n e in s p e c t o r . 1  a t l a w C° t 0 a t t o r n e y g e n e r a l, o r s u i t  (a) Industrial accident commission, (b) Voluntary agreement approved by commission; disputed cases re­ ferred to one or more referees; review by commission; rehearing in certain cases; appeal to courts upon ques­ tions of law. ( a ) I n d u s t r ia l c o m m is s io n , (b ) A d ­ m itte d lia b ilit y w it h s ta te m e n t o f a m o u n t m a y b e s u b m itte d to c o m ­ m is s io n ; n o s e t t le m e n t f in a l u n t i l a p p r o v e d ; d is p u t e s h e a r d b y c o m ­ m is s io n , c o m m is s io n e r , o r a r e fe r e e ; r e v ie w a n d c o u r t a p p e a l p r o v id e d fo r.  ( a ) B o a r d o f 5 c o m p e n s a tio n c o m m is ­ s io n e r s i n c h a r g e o f s e p a r a te d is t r ic t s , (b ) V o lu n t a r y a g r e e m e n t a p p r o v e d b y c o m m is s io n e r ; d is p u te d cases s e t t le d b y c o m m is s io n e r ; a p p e a ls t o c o u rts .  (a)  Industrial accident board, (b) Voluntary agreement approved by board; disputed cases settled b y board after hearing; appeal to court.  (a) Industrial commission, (b) Agree­ ment after 1 4 days, approved by commission; disputes or disagree­ ments settled b y commission after hearing, subject to review or limited appeal to courts.  (a) Industrial accident board  for each county, (b) Voluntary agreement approved by board; disputed cases settled by board or by arbitration committee; review by full board; appeal to courts.  All employers, attending physi­ cians, and insurers must report all injuries involving time loss or medical aid to industrial acci­ dent commission. Fatal injuries must be reported immediately.  (a)  com -  A ll assenting employers must re­ port all accidents to industrial accident board within 10 days; supplementary report upon ter­ mination of disability.  Assenting employers must report within 10 days all accidents causing disability for 7 days, or requiring medical and surgical aid; supplemental report on termination of disability.  A l l e m p lo y e r s m u s t r e p o r t a ll in ­ ju r ie s o f 1 d a y ’s d is a b ilit y o r m o r e a s s o o n a s p r a c tic a b le t o in d u s t r ia l a c c id e n t b o a r d ; s u p ­ p le m e n ta r y re p o r t a t t e r m in a ­ t io n o f d is a b ilit y o r a fte r 6 0 d a y s .  accident  1  California.  (a) Industrial commission. | Colorado, (b) Department of labor and factory inspection; inspectors of coal mines; bureau of mines.1  p r o v is io n  d>)  D e­  partment o f , a h o r a n d factory inspection.  I  (<2l Industrial accident board- (b) N o provision.  (a)  N o provision. (b) Commissioner of com ­ merce and labor 1  (a)  N o provision, provision.  j  '  c o m m is s io n . (b ) B u ­ r e a u o f la b o r s t a t is t ic s . 1  A l l e m p lo y e r s m u s t r e p o r t a ll c o m p e n s a b le a c c id e n t s w i t h i n 1 0 d a y s t o in d u s t r ia l c o m m is ­ s io n .  a l l i n j u r i e s 1o f ° i ^ ! d a y ™ ^ s a b r l i t v w e e k ly t o c o m p e n s a tio n m is s io n e r .  Industrial  (b ) I A r iz o n a 1 ona‘  (b ) N o  Connecticut.  Delaware ^ eiaware-  G e o r g ia .  i H a w a ii.  PRINCIPAL FEATURES OF LAWS OF THE UNITED STATES RELATIVE TO WORKMEN’S COMPENSATION AND INSURANCE— Continued  Insurance  S ta te  C om pulsory,  a s t o a ll e m p lo y m e n t s c o n d u c t e d f o r g a in e x c e p t f a r m a n d d o m e s t ic s e r v ic e , o u t - w o r k e r s , c a s u a l e m p lo y m e n t a n d c h a r ita b le in s t it u ­ tio n s . a s to e x c e p te d e m ­ p lo y m e n ts .  Voluntary,  I l l i n o is p . 3 1 4 . A p p r o v e d J u n e 1 0 , 1 9 1 1 . I n e fT e c t M a y J , 1 9 1 2 . N e w a c t, p . 3 3 5 ,1 9 1 3 . A m e n d e d , 19 1 5 , 1917, 1919, 1921, 1923.  In d ia n a . C h . 106. A p p ro v e d M a r . 8 , 1 9 1 5 . I n e fT e c t S e p t. 1, 1915. A m e n d e d , 1917, 1919, 1923.  Io w a . C h . 147. A p p ro v e d M a r. 1 8 , 191 3 . I n e ffe c t J u ly 1, 1914. A m e n d e d , 1 9 1 7 , 1 9 1 9 , 1 9 2 3 ,1 9 2 4 .  K ansas. C h . 218. A p p ro v e d M a r . 14, 1911. I n e ffe c t J a n . 1, 1 9 1 2 . A m e n d e d , 1 9 1 3 ,1 9 1 7 ,1 9 1 9 .  K e n tu c k y . A p p ro v e d M a r. 23, 1 9 1 6 . I n e ffe c t A u g . 1 , 191 6 , A m e n d e d e a c h session.  Com pulsory, e m p lo y la b o r , c o u rs e c e p te d . e m p lo y  a s to “ e x tra h a z a rd o u s m e n ts e n u m e ra te d ; fa rm and p e rs o n s n o t in usual o f e m p l o y e r ’s b u s in e s s e x ­ a s to e x c e p te d m e n ts .  Voluntary,  C om pulsory,  Elective,  a s t o m in in g . as t o a ll o th e r e m p lo y m e n t s e x c e p t f a r m la b o r , d o m e s t ic s e r v ic e , c a s u a l e m p lo y e e s n o t i n u s u a l c o u r s e o f e m p lo y e r ’s b u s in e s s , a n d r a ilr o a d e m p lo y e e s e n g a g e d i n t r a i n s e r v ic e . a s to e x c e p te d e m p lo y ­ m e n ts . a s t o a ll e m p lo y m e n t s e x c e p t f a r m la b o r , d o m e s t ic s e r v ic e , c a s u a l e m p lo y e e s , t h o s e n o t i n c o u r s e o f e m p l o y e r ’s b u s in e s s , a n d c le r k s n o t s u b je c t t o h a z a r d o f t h e in d u s t r y .  Voluntary, Elective,  a s t o a ll lo y e e s except tiv e o ffic ia ls , a n d e r e c e iv in g a s a l­ o v e r $ 2 ,4 0 0 .  Com pulsory,  a s t o a ll e m p lo y e e s except o ffic ia ls a n d m e m ­ b e rs o f fir e d e p a rt­ m e n ts in c itie s o f 2 0 0 ,0 0 0 o r m o r e i n ­ h a b ita n ts .  Com pulsory,  Com pulsory,  as e m p lo y e e s fir e m e n a n d m en in p fu n d s .  Elective,  Elective,  a s t o “ h a z a r d o u s ” e m p lo y ­ m e n ts e n u m e ra te d , o r a s a g re e d u p o n o r d e te r m in e d b y c o u r t, e x c e p t e m p lo y m e n t s n o t c o n d u c te d fo r p u r ­ p o s e o f e m p lo y e r ’ s b u s in e s s . a s t o o th e r e m p lo y m e n t s . a s t o a ll e m p lo y m e n t s , e x c e p t t h o s e h a v i n g r e g u l a r l y le s s t h a n 6 e m p lo y e e s , f a r m la b o r , d o m e s tic s e r v ic e , lo g g in g o p e r a t io n s , c a s u a l e m p lo y e e s , a n d t h o s e n o t i n u s u a l c o u r s e o f e m p lo y e r ’s b u s in e s s . a s t o e x e m p t e d e m p lo y e e s .   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  No. 2  t o a ll except p o lic e ­ e n s io n  as to w o r k ­ m e n o n c o u n ty a n d m u n ic ip a l w o r k .  a s t o a ll m u ­ n ic ip a l c o r p o r a tio n s h a v in g 3 o r m o r e e m p lo y e e s . a s to o th e rs .  tary,  Com pulsory, e m p lo y e e s o f fic ia ls .  Volun­  a s t o a ll except  B y e m p lo y e e  Defenses abrogated if employer does not elect  S u its fo r dam ages a fte r e le c tio n b y b o t h e m p lo y e r a n d e m p lo y e e  N o t p e r m i t t e d .........................  E m p lo y e r s m u s t in ­ s u re in S ta te fu n d or p r iv a te com ­ p a n ie s , o r p r o v id e s e lf- in s u r a n c e .  N o t p e r m i t t e d .........................  E m p lo y e r s m u s t i n ­ s u re in p r iv a te c o m ­ p a n ie s , o r p r o v id e s e lf- in s u r a n c e .  S p e c ia l c o n t r a c t s  Vol­  Com pulsory,  a s t o a ll e m p lo y e e s o f S t a t e , c o u n tie s , a n d c itie s , e x c e p t o ffic ia ls . a s to to w n s .  untary,  Vol­  In ju r ie s c o v e re d  W a itin g tim e  M a x im u m a n d m in im u m w e e k ly c o m p e n s a tio n p a y m e n ts  P er cent of wages  P a r t ia l d is a b ility  N o n r e s id e n t a lie n b e n e fic ia r ie s  T im e f o r n o tic e a n d c la im  (a )  (b)  B y w h o m a d m in is te r e d I I o w c la im s a r e s e t t le d  A c c id e n t r e p o r t s r e q u ir e d  A c c id e n t - p r e v e n t io n w o r k b y —-(a ) C o m p e n s a t io n c o m m is s io n . (6 ) O th e r a g e n c ie s  D e a th , m a x im u m $12, m in im u m , $6, o r a c tu a l w ages; o th e rs , m a x i­ m u m $ 1 6 , m in im u m $6.  D e a th , 400 w e e k s . m a n e n t t o t a l d is a lif e . T e m p o ra ry d is a b ilit y , 4 0 0 w P a r t ia l d is a b ilit y w eeks.  P e r­ b ility , to ta l eeks. , 150  (a) Burial expenses, maximum, $ 2 0 0 ; 4 5 per cent of wages to widow or dependent widower for 4 0 0 weeks, 5 5 per cent if child or children; maximum $12; min­ imum $0, or actual wages. (b) Burial expenses, maximum $200; also $1,000 to administration fund.  (a ) (b ) 5 5 p e r c e n t w e e k s ; 60 p e r c and 5 per cent m a x im u m $16; th e r e a fte r $6 a d is a b ility .  fo r 400 a r r ie d c h ild m $6, d u r in g  5 5 p e r c e n t o f w a g e lo s s f o r n o t o v e r 1 5 0 w e e k s ; m a x i m u m , $ 1 6 . S p e c i­ fie d in ju r ie s , 5 5 p e r c e n t o f w a g e s f o r fix e d p e r io d s ; w e e k ly m a x im u m , $ 1 0 . D is f ig u r e m e n t c o m p e n s a b le .  R e a s o n a b le m e d ic a l, s u r g ic a l, a n d h o s p it a l s e r v ic e ; h o s p it a l b e n e ­ f i t fu n d s p e r m itte d in lie u o f a b o v e . C h a rg e s lim ite d to p re ­ v a ilin g ra te s .  O n e - h a lf b e n e fits , s u b ­ je c t to t r e a t y p ro ­ v is io n s ; n o t h in g i f la w o f n a tio n ex­ c lu d e s c itiz e n s of U n ite d S ta te s .  N o t ic e a s s o o n a s p r a c tic a ­ b le ; c la im in 1 y e a r .  ( a ) I n d u s t r ia l a c c id e n t b o a r d . (6 ) V o lu n t a r y a g re e m e n t a p p ro v e d b y b o a r d ; d is p u te d e a s e s m a y b e s u b ­ m itte d to a r b it r a t io n c o m m itte e ; r e v ie w b y f u ll b o a r d ; a p p e a l t o c o u r t u p o n q u e s tio n s o f la w .  A l l e m p lo y e r s m u s t r e p o r t a ll a c ­ c id e n ts o f 1 d a y ’s d is a b ilit y t o in d u s t r ia l a c c id e n t b o a r d w i t h ­ in 48 h o u rs ; s u p p le m e n t a r y re p o rt a fte r 60 d a y s o r u p o n te r m in a t io n o f d is a b ility .  (a ) I n d u s tr ia l a c c id e n t b o a rd . ( In s p e c to r o f m in e s .1  A p p ro v e d sc h e m e s p e r­ m it t e d i f b e n e fits e q u a l th o s e o f a c t. N o w a iv e r o f p r o v is io n s o f a c t a s to a m o u n t o f c o m p e n s a tio n w ith o u t a p p ro v a l o f b o a rd  A c c id e n t a l in ju r ie s a r is in g o u t o f a n d in c o u rs e o f e m p lo y m e n t . O c c u p a t i o n a l d is e a s e s i n c e r t a i n o c c u p a t io n s in c lu d e d b y s e p a ­ r a te a c t.  1 w e e k . N o n e i f d is a ­ b i l i t y c o n tin u e s f o r 4 w e e k s o r m o re .  D is a b ilit y , p e r c e n t.  M a x im u m , $14 to M in im u m , $ 7 .5 0 $ 1 0 .5 0 .  P e r m a n e n t t o t a l d is a b il­ ity , life . P e rm a n e n t p a r tia l d i s a b i l i t y , 8 y e a r s . T e m p o r a r y d is ­ a b ilit y ; d u r in g it s c o n ­ tin u a n c e .  (a ) 50 to 65 p e r c e n t o f w a g e s u n t i l 4 y e a r s ’ e a r n in g s a r e p a id ; m a x im u m , $ 4 ,2 5 0 , m in im u m , $ 1 ,6 5 0 . (6 ) B u r ia l expenses, m a x im u m , $ 1 5 0 .  for 8 weeks;  I n c l u d e d . ..........................................  N o tic e a s s o o n a s p r a c ti­ c a b le , n o t la t e r t h a n 3 0 d a y s ; c la im in 6 m o n th s .  ( a ) I n d u s t r ia l c o m m is s io n . (6 ) V o lu n ­ t a r y a g re e m e n t, n o t b e fo re 7 d a y s a fte r in ju r y ; d is p u te d c a s e s s e t t le d b y a r b itr a to r o r a r b itr a tio n c o m ­ m it t e e ; r e v ie w b y f u ll c o m m is s io n ; a p p e a l t o c o u r ts u p o n q u e s tio n s o f la w .  A l l e m p lo y e r s w i t h i n p r o v is io n s o f a c t m u s t r e p o r t a ll in ju r ie s o f m o re th a n w e e k 's d is a b ilit y t o in d u s t r ia l c o m m is s io n ; f a t a l a c c id e n t s a t o n c e ; o t h e r s o n c e a m o n t h ; s u p p le m e n t a r y r e p o r t o f p e r m a n e n t d is a b ility ca se s.  (a ) N o p r o v is io n , D e ­ p a rtm e n t of la b o r ;1 m in e in s p e c to r .1  l w e e k ...................................................  D e a th , t o t a l d is a b il­ it y , and s p e c ifie d in ju r ie s , 5 5 p e r c e n t.  B a s ic w a g e , m a x im u m , $ 2 4 ; m in im u m , $10.  D e a th a n d p a r t ia l d is a b il­ ity , 300 w e e k s . T o ta l d is a b ility , 5 0 0 w e e k s .  (c ) B u r ia l e x p e n s e s , m a x im u m , $100; 55 p e r c e n t o f w a g e s fo r 300 w e e k s ; b a s ic w a g e , m a x i m u m $ 2 4 ; m in im u m $1 0 ; to ta l n o t to e x c e e d $ 5 ,0 0 0 . (b ) B u r ia l e x ­ p e n s e s , m a x im u m $ 1 0 0 .  5 0 t o 6 5 p e r c e n t o f w a g e lo s s d u r i n g d is a b ilit y , n o t o v e r 8 y e a rs ; m a x i­ m u m $14 to $17. S p e c ifie d i n ­ ju r ie s , 5 0 to 6 5 p e r c e n t o f w a g e s fo r f ix e d p e r io d s ; m a x im u m , $14 to $17, m in im u m , $ 7 .5 0 t o $ 1 0 .5 0 , in a d d it io n t o te m p o ­ r a r y to ta l. D is fig u r e m e n t, m a x i­ m u m o n e - f o u r t h d e a th b e n e fits . 5 0 p e r c e n t o f w a g e lo s s f o r n o t o v e r 3 0 0 w e e k s ; b a s ic w a g e , m a x i m u m $ 2 4 ; m in i m u m $ 1 0 . S p e c ifie d in ju r ie s , 5 5 p e r c e n t w a g e s f o r f ix e d p e r io d s ; b a s ic w a g e , m a x i m u m $ 2 4 ; m i n i ­ m u m $ 1 0 ; d is fig u r e m e n t, n o t o v e r 200 w e e ks.  N e c e s s a r y m e d ic a l, s u r g ic a l, a n d h o s p it a l s e r v ic e m a x im u m , $ 2 0 0 ; f u ll h o s p ita l s e r v ic e d u r in g c o m p e n s a t io n ; a d d it io n a l m e d ic a l a n d s u r g ic a l a id a s lo n g a s h o s p it a l t r e a t m e n t is r e q u ir e d .  P e r s o n a l in ju r ie s b y a c c id e n t a r is ­ in g o u t o f a n d in c o u rs e o f e m ­ p lo y m e n t u n le s s d u e t o w i l l f u l m is c o n d u c t , in te n tio n a l s e lfin flic te d in ju r y , in to x ic a t io n , a n d w il l f u l fa ilu r e to u s e s a fe ty a p p lia n c e s o r t o o b e y s a f e t y la w s , o r c o m m is s io n o f a c r im e . P e r s o n a l in ju r ie s a r is in g o u t o f a n d in c o u rs e o f e m p lo y m e n t , u n le s s d u e t o w i l l f u l in t e n t io n t o i n j u r e s e lf o r a n o t h e r , i n t o x i ­ c a tio n , o r w i l l f u l a c t o f a t h ir d p a rty .  ( a ) 5 0 t o 6 5 p e r c e n t o f e a r n in g s fo r 8 y e a rs ; m a x im u m $14 to $1 7 ; m i n i m u m $ 7 .5 0 t o $ 1 0 .5 0 ; t h e r e ­ a f t e r 8 p e r c e n t o f d e a th b e n e fits fo r lif e , m in im u m $ 1 0 a m o n t h , (b ) 5 0 t o 6 5 p e r c e n t o f e a r n in g s d u r in g d is a b ilit y ; m a x im u m $ 1 4 to $ 1 7 ; m i n i m u m , $ 7 .5 0 to $ 1 0 .5 0 ; t o t a l n o t o v e r $ 3 , 7 5 0 . (b ) 5 5 p e r c e n t o f w a g e s d u r in g d is a b ility , n o t o v e r 5 0 0 w e e k s ; b a s ic w a g e , m a x i m u m $ 2 4 ; m i n ­ i m u m $ 1 0 ; t o t a l n o t o v e r $ 5 ,0 0 0 .  N e c e s s a r y m e d ic a l, s u r g ic a l, a n d h o s p it a l s e r v ic e 30 d a y s ’ a d d itio n a l tr e a t m e n t if n e c e s s a ry in o p in io n o f b o a rd ; c h a rg e s lim ite d to p r e v a ilin g ra te s .  N o p r o v i s i o n 1 .........................  N o t ic e in 3 0 d a y s o r b e n e fits w i l l b e g in f r o m d a te o f n o tic e ; c la im in 2 y e a r s .  (a ) In d u s tr ia l b o a rd . (6 ) V o lu n t a r y a g re e m e n t, n o t b e fo re 7 d a y s a fte r in ju r y , a p p ro v e d b y b o a r d ; d is ­ p u te d c a s e s s e t t le d b y b o a r d o r m e m b e r th e r e o f; r e v ie w b y fu ll b o a rd ; a p p e a l to c o u rts u p o n q u e s ­ tio n s o f la w .  A l l e m p lo y e r s m u s t r e p o r t a ll i n ­ ju r ie s o f m o r e t h a n 1 d a y ’s d is ­ a b ilit y w it h in 1 w e e k to in d u s ­ t r ia l b o a r d ; s u p p le m e n t a r y r e ­ p o r t a fte r 60 d a y s o r u p o n te r m in a t io n o f d is a b ilit y .  2 w e e k s ; c o m p e n s a te d d u r in g fifth to s e v e n th w eeks if d is a b ilit y c o n tin u e s .  6 0 p e r c e n t ............................... ...  D e a th : M m in im u m ity : M m in im u m w ages.  D e a th and te m p o ra ry to ta l d is a b ility , 300 w e e k s . P e rm a n e n t to ta l d is a b ility , 4 0 0 w e e k s .  S p e c ifie d in ju r ie s , 6 0 p e r c e n t o f w ages fo r fix e d p e r io d s : p ro ­ p o r tio n a te fo r o th e r s ; m a x im u m $ 1 5 ; m in im u m $ 6, o r a c tu a l w a g e s .  R e a s o n a b le m e d ic a l, s u r g ic h o s p it a l s e r v ic e r e q u e s te d b y e m p lo y e e , o r c o m m is s io n e r ; m a x im u $ 1 0 0 a d d itio n a l in e x c e cases.  O n e - h a lf b e n e f i t s ; n o th in g i f la w of n a tio n e x c lu d e s c it iz e n s o f U n it e d S ta te s .  N o tic e in 15 d a y s ; i f in 3 0 d a y s , n o t b a rre d e x c e p t as to e x te n t e m p lo y e r w a s p r e ju d ic e d ; b a r a b s o lu te a fte r 9 0 d a y s ; c la im in 2 y e a rs .  (a ) I n d u s t r ia l c o m m is s io n e r . (6 ) V o l ­ u n t a r y a g re e m e n t, n o t b e fo re 12 d a y s a fte r in j u r y , a p p r o v e d b y c o m m is ­ s io n e r ; d is p u t e d c a s e s s e ttle d b y a r b it r a t io n c o m m itte e ; r e v ie w b y c o m m is s io n e r ; a p p e a l t o c o u r t s .  P e r s o n a l in ju r ie s b y a c c id e n t a r is ­ in g o u t o f a n d i n c o u rs e o f e m ­ p l o y m e n t e x c e p t w h e n g o in g t o a n d f r o m w o r k , u n le s s d u e t o i n ­ t o x ic a t io n , d e lib e r a te in t e n t io n to c a u s e in ju r y , o r w i l l f u l fa ilu r e t o u s e s a fe g u a rd s r e q u ir e d b y la w o r f u r n is h e d b y e m p lo y e r . P e r s o n a l in j u r i e s b y a c c id e n t a r is in g o u t o f a n d in c o u rs e o f e m ­ p lo y m e n t , u n le s s s e lf - in f lic t e d , d u e t o w i l l f u l m is c o n d u c t o r i n ­ t o x ic a t io n . I n c lu d e s in ju r ie s d u e t o in h a lin g g a s o r s m o k e in m in e s , o r a n y k in d o f g a s .  1 w e e k ............................  D is a b ilit y , 6 0 p e r c e n t. S p e c ifie d in ju r ie s , 5 0 p e r c e n t.  D is a b ilit y : M a x im u m , $15; m in im u m , $6.  Disability, 8 years.  (a ) 60 p e r c e n t o f w a g e s fo r 400 w e e k s ; w e e k ly m a x im u m $15; m in im u m $6, o r a c tu a l w a g e s , (b ) S a m e fo r n o t o v e r 3 0 0 w e e k s . C o m p e n s a t io n in c r e a s e d b y t w o t h ir d s fo r f if t h , s ix th , a n d s e v ­ e n th w e e k s o f d is a b ility . (b ) 6 0 p e r c e n t o f e a r n in g s d u r ­ in g d is a b ilit y , n o t o v e r 8 y e a r s : w e e k ly m a x im u m $ 1 5 ; mini­ m u m $6.  60  p e r c e n t o f w a g e lo s s d u r i n g d i s a b i l i t y , n o t o v e r 8 y e a r s ; s p e c i­ fie d in ju r ie s , 5 0 p e r c e n t o f w a g e s f o r fix e d p e r io d s ; m a x im u m $ 1 2 ; m in im u m $6.  R e a s o n a b le m e d ic a l, s u r g ic a l, a n d h o s p it a l s e r v ic e if d e m a n d e d b y e m p lo y e e ; m a x i­ m u m , $150.  $ 7 5 0 m a x im u m e x c e p t t o r e s id e n ts o f C a n ­ a d a .’  N o tic e in 10 d a y s ; c la im in 6 m o n th s .  A l l e m p lo y e r s m u s t r e p o r t a ll a c ­ c id e n ts o f m o r e t h a n 1 d a y ’s d is a b ility w it h in 48 h o u r s to in d u s t r ia l c o m m is s io n e r ; s u p ­ p le m e n ta r y re p o rt a fte r 60 days or up on t e r m in a tio n o f d is a b ilit y . A l l e m p lo y e r s a ffe c te d b y a c t m u s t re p o r t a n n u a lly to fa c to r y in s p e c t o r " s u c h r e a s o n a b le p a r ­ t ic u la r s a s t o a c c id e n t s a s S t a t e fa c t o r y in s p e c to r m a y r e q u ir e . ”  1 w e e k ...................................................  6 5 p e r c e n t ......................................  M a x im u m , m u m , $5.  D e a th , 335 w e e k s . T o ta l d is a b ilit y , 8 y e a rs . P a r ­ t ia l d is a b ility , 3 3 5 w e e k s .  I f p e r m a n e n t, p e rc e n ta g e o f a to t a l d is a b ilit y ; if te m p o r a r y , 6 5 p e r c e n t o f w a g e lo s s ; n o t o v e r 3 3 5 w e e k s ; m a x im u m $ 1 5 , t o t a l n o t o v e r $ 4 ,0 0 0 . S p e c if ie d i n j u r i e s , 6 5 p e r c e n t o f w a g e s f o r f ix e d p e r io d s ; m a x im u m $12; m in im u m $5. C o m p e n s a t io n f o r d is f ig u r e m e n t . 6 5 p e r c e n t o f w a g e lo s s f o r n o t o v e r 3 0 0 w e e k s ; m a x i m u m $ 2 0 . S p e c i­ fie d in ju r ie s , 6 5 p e r c e n t o f w a g e s f o r f ix e d p e r io d s ; m a x im u m $ 2 0 , m in im u m $3, o r a c tu a l w a g e s. D is fig u r e m e n t, n o t over 100 w eeks.  R e a s o n a b le m e d ic a l, s u r g ic a l, a n d h o s p it a l s e r v ic e m a x i­ m u m $ 1 0 0 , u n le s s b o a r d fix e s o t h e r p e r io d , w h e n m a x i m u m is $ 2 0 0 ; s a m e f o r h e r n ia o p e r a t io n ; c h a rg e s lim it e d to p r e v a ilin g ra te s .  O n e - h a lf b e n e fits ; to w id o w s a n d c h ild ­ re n o n ly .  N o t ic e a s s o o n a s p r a c t ic a ­ b le ; c la im i n 1 y e a r .  R e a s o n a b le m e d ic a l, s u r g ic a l, a n d h o s p ita l s e r v ic e ; m a x im u m , $250; c h a rg e s g o v e rn e d b y w o r k ­ m a n ’s s ta tio n .  N o p r o v i s i o n ........................._ _  N o tic e in 6 m o n th s ; p r o c e e d in g s m u s t b e b e g u n w ith in 1 y e a r.  R e a s o n a b le m e d ic a l a n d h o s p it a l s e r v ic e m a x im u m , $ 1 0 0 ; a d d it io n a l s e r v ic e in d is ­ c r e t io n o f c o m m is s io n .  O n e - h a l f b e n e f l t s [ N o tic e in 1 y e a r. e x c e p t t o r e s id e n ts o f C anada.  50  to  65  $17. to  P re s u m e d in a b s e n c e of w r itte n n o tic e s e r v e d o n e m p lo y e r a n d file d w it h i n ­ d u s tr ia l b o a rd .  Assumed risk, fellow service, and con­ tributory negligence  P e r m it t e d i f e m p lo y e r f a ils to in s u r e r is k .  A p p ro v e d sc h e m e s p e r­ m it t e d i f b e n e fits e q u a l th o s e o f a c t. A ll o th e r w a iv e r s f o r b id d e n .  E le c tin g e m p lo y e e m u s t in s u r e in p r i­ v a t e c o m p a n ie s , o r p r o v id e s e lf- in s u r ­ ance.  P re s u m e d in a b se n c e o f n o tic e p o s te d in e s ta b lis h m e n t and file d w i t h in d u s t r ia l c o m m is s io n e r .  P re s u m e d in a b se n c e o f w r it t e n n o t ic e t o e m p lo y e r and in ­ d u s t r i a l c o m m is ­ s io n e r .  Assumed risk, fellow service, and con­ tributory negligence unless willful and with intent to cause injury.  P e r m itte d i f e m p lo y e r f a ils to in s u r e r is k .  A p p ro v e d sc h e m e s p e r­ m it t e d , b u t n o r e d u c tio n o f l i a b i l i t y a llo w e d . A ll o t h e r w a iv e r s f o r b id d e n .  N ot requirecL.  P re s u m of no e s ta b file d o f s ta  P re s u m e d in a b se n c e of w r itte n n o t ic e file d w i t h e m p lo y e r and s e c re ta ry of s ta te .  Assumed risk, fellow service, and con­ tributory negligence  N o t p e r m i t t e d .........................  E le c tin g e m p lo y e r s m u s t in s u r e i n K e n ­ tu c k y E m p lo y e e s ’ In s u ra n c e A s s o c ia ­ t io n o r o th e r p r iv a te c o m p a n ie s , o r p r o ­ v id e s e lf- in s u r a n c e .  B y w r it in g file d w it h t h e c o m m is s io n a n d p o s te d in th e e s ta b ­ lis h m e n t.  B y s ig n e d n o t ic e f ile d w i t h e m p lo y e r .  Assumed risk, fellow service, and con­ tributory negligence  P e r m i t t e d i f i n j u r y is d u e t o d e lib e r a te i n ­ t e n t io n o f e m p lo y e r , o r fa ilu r e to file e v i­ d e n c e a s t o in s u r a n c e .  A p p ro v e d sch e m e s p e r­ m it t e d i f b e n e fits e q u a l th o s e o f a c t.  E m p lo y e r s u n d e r a c t m u s t in s u r e o r g iv e bond.  P re s u m e d in a b se n c e o f w r i t t e n n o tic e t o e m p lo y e e .  Presumed in absence of written notice to employer.  A s s u m e d r is k , fe llo w s e r v ic e , and con­ t r i b u t o r y n e g lig e n c e .  N o t p e r m i t t e d .........................  N o c o n tr a c t m a y r e lie v e e m p lo y e r fr o m lia b ilit y .  P e r s o n a l i n j u r i e s b y a c c id e n t a r is in g o u t o f a n d in c o u rs e o f e m p lo y m e n t , u n le s s d u e t o w i l l f u l in t e n t io n t o in ju r e s e lf o r a n ­ o t h e r , in t o x ic a t io n , d e lib e r a te fa ilu r e to u s e s a fe g u a rd s , o r b r e a c h o f s a f e t y la w s .  1 w e e k . N o n e i f d is a ­ b i l i t y c o n tin u e s f o r 6 w e e k s o r m o re .  D e a th , 3 2 % to 65 p e r c e n t. D is a b ilit y , 55 p e r c e n t.  M a x im u m , $20. im u m , $3, or w ages.  M in - , a c tu a l  D e a th , 300 w e e k s . P e r­ m a n e n t to ta l d is a b ility , 400 w e e ks. T e m p o ra ry t o t a l a n d p a r t ia l d is a ­ b ility , 300 w e e k s .  E le c tin g em m u s t in s u r e v a te c o m p a p r o v id e se ance.  W r itin g f ile d w ith c o m m is s io n a n d p o s te d i n e s ta b lis h ­ m e n t.  Presumed, if employer elects, in absence of written notice to employer filed with commission.  A s s u m e d r is k , fe llo w s e r v ic e , and con­ t r i b u t o r y n e g lig e n c e  N o t p e r m i t t e d .........................  E x is t in g a p p ro v e d schem es m ay be con­ t in u e d : w a iv e r s f o r b id d e n .  P e r s o n a l in ju r ie s b y a c c id e n t a r is ­ in g o u t o f a n d in c o u rs e o f e m ­ p lo y m e n t u n le s s d u e t o w i l l f u l in t e n t io n t o in ju r e s e lf o r a n ­ o th e r , o r in to x ic a t io n w it h o u t e m p lo y e r ’s k n o w le d g e .  7 d a y s .....................................................  6 6 % p e r c e n t ...............................  M a x im u m , m u m , $6.  M in i­  D e a th , 300 w e e k s . T o ta l d is a b ility , 500 w e e k s . P a r t ia l d is a b ility , 30 0 w eeks.  i Not provided for in compensation law.  M e d ic a l a n d s u r g ic a l a id  T o t a l d is a b ility (a t P e rm a n e n t (b ) T e m p o r a r y  D e a th , 20 to 55 p e r c e n t. D is a b ility , 55 p e r c e n t.  P re s u m e d in a b se n c e o f w r itte n n o tic e , p o s te d or s e rv e d , a n d file d w it h i n ­ d u s tr ia l b o a rd .  p lo y e r s in p r i­ n ie s o r lf- in s u r ­  D e a th  Dependents  (б ) N o d e p e n d e n t s  E le c tin g e m p lo y e r s m u s t in s u r e in p r i­ v a t e c o m p a n ie s , o r p r o v id e s e lf - in s u r ­ ance.  e d in a b se n c e tic e p o s te d in lis h m e n t and w it h s e c re ta ry te .  (а )  p e r io d  1 w e e k ; c o m p e n s a te d f if t h to s e v e n th w e e k s i f d is a b ility c o n tin u e s .  d s u b s titu te p e r m itte d i f b e n e ­ a l th o s e o f a c t; f o r b id d e n .  P e r s o n a l in ju r ie s b y a c c id e in g o u t o f a n d in c o u r s e p lo y m e n t , u n le s s d u e t o i n t e n t io n t o in ju r e s e lf o th e r , o r in to x ic a t io n .  M a x im u m  n t a r is ­ of em ­ w illfu l or an­  A p p ro v e schem es f its e q u w a iv e r s  A p p ro v e d sc h e m e s p e r­ m it t e d i f b e n e fits e q u a l th o s e o f a c t. B lin d e m ­ p lo y e e s m a y w a iv e r i g h t t o c o m p e n s a tio n o r d a m a g e s .  Volun­  Elective,  (Follows p. 15.)  a s to a ll  e m p lo y e e s .  Voluntary, Elective,  untary,  19640°—25f.  em p e le c th o s a ry  Elective,  a s t o "e s p e c ia lly d a n g e ro u s ” e m p lo y m e n t s e n u m e r a te d c o n d u c te d f o r g a i n e x c e p t t h o s e h a v i n g le s s t h a n 5 e m p lo y e e s , f a r m la b o r , a n d th o s e n o t in u s u a l c o u rs e o f e m ­ p lo y e r ’ s b u s in e s s ; a ll m in e s c o v e r e d . a s t o e x c e p te d e m p lo y ­ m e n ts . a s to a ll e m p lo y m e n t s e x c e p t t h o s e h a v i n g le s s t h a n 3 e m p lo y e e s , fa rm la b o r , a n d d o m e s t ic s e r v ic e . T h r e s h in g a n d h u l l i n g g r a in s a n d s e e d s a re w it h in th e a c t. a s t o e x c e p te d e m p lo y m e n t s .  tary,  M a in e . C h . 2 9 5 . A p p r o v e d A p r . 1, 1 9 1 5 . I n e ffe c t J a n . 1, 191 6 . A m e n d e d , 1917, 1919, 1921.  Com pulsory,  Elective,  Voluntary,  L o u is ia n a . N o . 20. A p p ro v e d J u n e 18 , 191 4 . I n e ffe c t J a n . 1, 1 9 1 5 . A m e n d e d e a c h s e s s io n .  B y employer  Public  P r iv a te  Id a h o . C h . 81. A p p ro v e d M a r. 1 6 , 1 9 1 7 . I n e ffe c t J a n , 1, 1 9 1 8 . A m e n d e d , 1921.  C o m p e n s a t io n b e n e fits  H o w e le c t io n is m a d e  E m p lo y m e n ts c o v e re d  a x im u m , $6. D a x im u m , $6, o r  $15.  , $15; is a b il­ , $15; a c tu a l  M in i­  (a)  B u r ia l e x p e n s e s , m a x im u m , $ 1 5 0 , 60 p e r c e n t o f w a g e s fo r 3 0 0 w e e k s ; w e e k ly m a x im u m $ 1 5 ; m in im u m $0, o r f u ll w a g e s , ( b ) L a s t s ic k n e s s a n d b u r i a l e x ­ p e n s e s , m a x im u m $ 2 5 0 .  ( a ) 3 y e a r s ’ e a r n in g s ; m a x im u m , $ 3 ,8 0 0 ; m i n i m u m , $ 1 ,4 0 0 . (b ) B u r ia l expenses, m a x im u m , $150.  (a)  B u r ia l e x p e n s e s , m a x im u m $ 7 5 ; 65 p e r c e n t o f w a g e s fo r 335 w e e k s ; m a x im u m $ 1 2 ; m in im u m $ 5 ; t o t a l n o t o v e r $ 4 ,0 0 0 . (b ) B u r ia l e x p e n s e s , m a x im u m $ 7 5 ; and to r e p r e s e n ta tiv e o f deceased.  of wages e n t if m fo r e a c h m in im u w eek  (a)  (a)  (a ) d w m  (b ) 6 5 p e r c e n t o f w a g e s d u r in g is a b ility , n o t o v e r 8 y e a rs ; e e k ly m a x im u m $15, m in i­ u m $ 5 ; t o t a l n o t o v e r $ 6 ,0 0 0 .  $100  * B u t in c lu d e d b y c o n s tr u e t io n o f la w .  $16.  (a ) E x p e n s e s o f b u r ia l, m a x im u m $100 a n d $ 5 0 c o n tin g e n t e x ­ p e n se s; 32% to 65 p e r c e n t o f w a g e s fo r 3 0 0 w e e k s ; m a x im u m , $ 2 0 ;m in im u m $ 3 , o r a c tu a l w a g e s , (b ) E x p e n s e s o f b u r ia l, m a x i­ m u m , $ 1 0 0 , a n d $ 5 0 c o n tin g e n t expenses. 6 6 % p e r c e n t o f w a g e s fo r 300 w e e k s , t o t a l n o t o v e r $ 4 ,0 0 0 ; m a x im u m , $ 1 6 ; m in im u m , $ 6 . (b ) E x p e n s e s o f la s t s ic k n e s s a n d b u r ia l, m a x im u m , $ 2 0 0 .  (a)  (a)  65 p e r c e n t o f w a g e s fo r 400 w e e k s ; m a x im u m , $ 2 0 ; m in i­ m u m $ 3 , o r a c tu a l w a g e s , (b ) S a m e fo r n o t o v e r 300 w e e k s .  (a)  (b ) in g w eek m u m  66% p er cent d is a b ilit y , n s ; m a x im u m , $6; to ta l n o  o f w ages d u r­ o t o v e r 500 , $16; m in i­ t o v e r $ 6 ,0 0 0 .  1 Provision held by court to be in conflict with treaty and with fourteenth amendment.  6 6 % p e r c e n t o f w a g e lo s s , m a x i m u m , $ 1 6 f o r n o t o v e r 3 0 0 w e e k s . S p e c i­ f ie d in ju r ie s , 6 6 % per cent of w a g e s f o r fix e d p e r io d s ; t h e r e a f t e r a t o t a l o r p a r t ia l d is a b ilit y b e n e fit, n o t o v e r 3 0 0 w e e k s in a ll.  for SO days;  a l, a n d  for J, weeks, it c o u rt, m $100; p tio n a l  for 50 days,  for 90 days,  for SO days,  3 0 d a y s ; c la im  in  in  (a)  C o u r t s . (6 ) V o lu n t a r y a g r e e m e n t; d is p u te d c a s e s s e t t le d b y lo c a l a r b i­ t r a t io n c o m m itte e o r b y a n a r b i­ t r a t o r ; r e v ie w b y c o u r t.  (o ) W o r k m e n ’s c o m p e n s a tio n b o a r d . (6 ) V o lu n t a r y a g re e m e n t a p p ro v e d b y b o a r d ; d is p u te d c a s e s s e t t le d b y b o a rd , a m e m b e r o f s a m e , o r re fe re e ; r e v ie w b y fu ll b o a rd ; a p p e a l to c o u rts .  (a)  (b)  C o u rts , V o lu n ta r y a g re e m e n t a p p r o v e d b y c o u r t ; d is p u t e d c a s e s s e ttle d b y c o u r t.  (a)  I n d u s t r ia l a c c id e n t c o m m is s io n . ( V o lu n ta r y a g re e m e n t a p p ro v e d b y c o m m is s io n ; d is p u te d cases s e t t le d b y c o m m is s io n e r ; a p p e a l t o c o u r t u p o n q u e s tio n s o f la w .  b)  1  A l l e m p lo y e r s s u b je c t t o a c t m u s t r e p o r t a ll in ju r ie s o f m o r e t h a n 1 d a y ’s d is a b ilit y t o w o r k m e n ’ s c o m p e n s a tio n b o a r d w i t h i n 1 w eek; s u p p le m e n t a r y re p o rt a fte r 60 d a y s o r u p o n te r m in a ­ t io n o f d is a b ility . N o p r o v is io n  ...............................................  A l l a s s e n tin g e m p lo y e r s m u s t r e ­ p o r t a ll a c c id e n t s p r o m p t ly t o in d u s t r ia l a c c id e n t c o m m is s io n ; in s u r e r s m u s t f u r n is h in f o r m a ­ t io n r e q u e s te d b y c o m m is s io n o r in s u r a n c e c o m m is s io n e r  S ta te  Id a h o .  b)  (b)  (a)  I n d u s tr ia l b o a rd . N o p r o v is io n .  I llin o is .  (6 )  In d ia n a .  (b)  (a ) N o p r o v is io n , B u ­ r e a u o f la b o r s t a t is t ic s ; 1 m in e in s p e c to r s .1  Io w a .  (a ) N o c o m m is s io n . (6 ) D e p a rtm e n t o f la b o r a n d in d u s tr y .1  K ansas.  (a ) N o p r o v is io n . (6 ) M in e in s p e c to r s ;1 K e n t u c k y E m p lo y e e s ’ In s u r a n c e A s s o c ia tio n .  K e n tu c k y .  (a ) N o c o m m is s io n . (6 ) N e w O r le a n s f a c t o r y i n ­ s p e c to r.1  L o u is ia n a .  (a ) N o p r o v is io n . (6 ) D e ­ p a r t m e n t o f la b o r a n d in d u s tr y .1  M a in e .  1  PRINCIPAL FEATURES OF LAWS OF THE UNITED STATES RELATIVE TO WORKMEN’ S COMPENSATION AND INSURANCE—Continued  In s u ra n c e  S ta te  M a r y la n d C h . 800. A p p ro v e d A p r . 1 6 ,1 9 1 4 . I n e f f e c t N o v . 1, 1 9 1 * . A m e n d e d , 1 9 1 6 ,1 9 2 0 ,1 9 2 4 .  C om pulsory,  a s to “ e x tra h a z a rd o u s ” e m p lo y m e n t s fo r g a in ( lis t ) ; a c t d o e s n o t a p p ly t o c a s u a l e m p lo y e e s , f a r m la b o r , d o m e s tic s e r v ic e , c o u n try b la c k s m ith s , w h e e lw r ig h ts , o r s im ­ ila r ru ra l e m p lo y m e n t s . a s to w o rk s n o t e rtra h a z a rd o u s .  Volun­  tary, M a s s a c h u s e tts . C h . 751. A p ­ p r o v e d J u ly 2 8 , 1 911. I n e ffe c t J u ly 1, 1912. A m e n d e d , each y e a r.  M ic h ig a n . N o . 10. A p p ro v e d M a r . 20, 1912. I n e ffe c t S e p t. 1, 1912. A m e n d e d , 1913, 1915, 1917, 1919, 1921.  M in n e s o ta , C h . 467. A p p ro v e d A p r. 24, 1913. I n e ffe c t O c t. 1, 1913. A m e n d e d , 1915, 1917, 1919. N e w a c t, c h . 8 2 , 1 9 21. A m e n d e d , 1921, 1923.  M o n ta n a . C h . 96. A p p ro v e d M a r. 8, 1915. I n e ffe c t J u ly 1, 1915. A m e n d e d , 1919, 1921.  Elective,  a s to a ll e m p lo y m e n t s , e x c e p t f a r m la b o r , d o m e s t ic s e r v ic e , a n d p e rs o n s n o t in u s u a l c o u rs e o f e m ­ p lo y e r ’s b u s in e s s . as to e x c e p te d e m p lo y m e n t s .  Voluntary,  Elective, a s  t o a ll e m p lo y m e n t s , e x c e p t f a r m la b o r , d o m e s t ic s e r v ic e , a n d e m p lo y e e s n o t i n u s u a l c o u r s e o f e m p l o y e r ’ s b u s in e s s .  Elective,  a s t o a ll e m p lo y m e n t s , f a r m la b o r , d o m e s t ic s e r v ic e , r a ilr o a d s , c a s u a l e m p lo y e e s u s u a l c o u rs e o f e m p lo y e r ’s b u C o m m e r c ia l th r e s h in g a n d in c lu d e d . as to la b o r .  Voluntary,  except s te a m n o t in s in e s s . b a lin g fa rm  Elective, a s  t o h a z a r d o u s e m p lo y m e n t s ; fa rm la b o r , d o m e s t ic s e r v ic e , a n d c a s u a l e m p lo y e e s ( d e fin e d a s n o t in u s u a l c o u r s e o f e m p lo y e r ’ s b u s in e s s ) e x c e p te d . a s to n o n h a z a r d o u s e m p lo y m e n t s .  Voluntary,  N e b ra s k a . C h . 198. A p p ro v e d A p r. 21, 1913. I n e ffe c t D e c . 1, 1 9 1 4 . A m e n d e d , 1 9 1 7 ,1 9 1 9 ,1 9 2 1 .  Elective,  a s t o a ll e m p lo y m e n t s e x c e p t fa rm la b o r , d o m e s t ic s e r v ic e , o u t ­ w o r k e r s a n d c a s u a l e m p lo y e e s n o t I n th e u s u a l c o u rs e o f t h e e m p lo y e r ’ s b u s in e s s . a s t o e x c e p te d e m p lo y m e n t s .  Voluntary,  N evad a. C h . 183. A p p ro v e d M a r . 2 4 ,1 9 1 1 . I n e ffe c t J u l y 1, 1911. N e w a c t, c h . I l l , 1 9 1 3 . A m e n d e d , e a c h s e s s io n .  B y e m p lo y e r  P u b lic  P r iv a te  Elective,  a s t o a ll e m p lo y m e n t s e x c e p t fa rm la b o r , d o m e s t ic s e r v ic e , a n d c a s u a l e m p lo y e e s n o t i n u s u a l c o u r s e o f e m p lo y e r ’ s b u s in e s s . a s t o e x e m p te d e m p lo y m e n t s .  Voluntary,  C om pulsory, w o rk m e n fo r w a g e s gaged In a rd o u s m e n ts , a m i l i tia . a s to o th e m e n ts .  a s to a ll e m p lo y e d and en­ e x tra h a z e m p lo y ­ nd S ta te  B y e m p lo y e e  D e fe n s e s a b ro g a te d if e m p lo y e r ' d o e s n o t e le c t  E m p lo y e r s m u s t in ­ s u re in S ta te fu n d o r p r iv a t e c o m p a n ie s , o r p r o v id e s e lf- in ­ s u ra n c e .  S u its fo r dam ages a fte r e le c tio n by b o t h e m p lo y e r a n d e m p lo y e e  (Follow s p. 15.) N o. 3   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  S p e c ia l c o n tr a c ts  In ju r ie s c o v e re d  W a it in g tim e P e r cent o f w ages  A c c id e n t a l p e r s o n a l in ju r ie s a r is in g o u t o f a n d in c o u r s e o f e m p lo y m e n t , u n le s s d u e t o w i l l f u in t e n t io n t o in ju r e s e lf o r a n o th e r , w il l f u l m is c o n d u c t, o r in t o x ic a t io n a s t h e s o le c a u s e .  ­ ­ l ­ ­  3 d ays.  M a x im u m a n d m in im u m w e e k ly c o m p e n s a t io n p a y m e n ts  P e r m it t e d I f e m p lo y e r f a ile d t o in s u r e r is k , o r a c c id e n t c a u s e d b y h is d e lib e r a t e in ­ te n tio n .  W a iv e r s fo r b id d e n .  W a iv e r s fo r b id d e n .  P e r s o n a l in ju r ie s a r is in g o u t o f a n d i n c o u r s e o f e m p lo y m e n t , u n le s s d u e t o s e r io u s a n d w i l l f u l m is ­ c o n d u c t . ( O c c u p a t i o n a l d is e a s e s in c lu d e d b y d e c is io n o f c o u r t . )  2 days. N o n e i f d is a ­ b ility c o n t in u e s m o re th a n 4 w e e k s .  6 6 % p e r c e n t ................................  D e a t h a n d s p e c ifie d i n ­ ju r ie s : M a x im u m , $ 1 6 ; m in im u m , $ 4 . O th e rs : M a x im u m , $ 1 6 ; m in i­ m u m , $7.  M a x im u m , m u m , $7.  Voluntary,  6 6 % p e r c e n t __________________  M a x im u m , $ 1 8 ; m in im u m ,  M a x im u m  T o t a l d is a b ility (a ) P e rm a n e n t (b ) T e m p o r a r y  D e a th (a ) D e p e n d e n ts (b ) N o d e p e n d e n ts  p e r io d  a s to la ­ b o re rs , w o rk m e n , and m e c h a n ic s of S ta te . as to c o u n tie s , c itie s , to w n s , o r d is tr ic ts h a v in g p o w e r o f ta x ­ a tio n . a s t o a ll e m p lo y e e s , except e le c te d o f f ic ia ls .  Elective,  C om pulsory,  Elective,  a s to e m p lo y ­ e e s o f c o u n tie s , c it ­ ie s , t o w n s , v illa g e s , a n d s c h o o l d is tr ic ts , e x c e p t o ffic ia ls .  C om pulsory,  a s t o a ll e m p lo y e e s , in c lu d ­ in g th o s e o f p u b lic c o n tra c to rs .  Com pulsory,  as to e m p lo y e e s e x c e o f f ic ia ls e le c te d a p p o in te d f o r fix te rm s .  C om pulsory,  a ll p t or ed  a s t o a ll e m p lo y e e s , in c lu d ­ in g th o s e o f p u b lic c o n tra c to rs .  E le c tin g p r iv a te e m ­ p lo y e r s m u s t in s u r e in M a s s a c h u s e tts E m p lo y e e s ’ I n s u r ­ a n c e A s s o c ia tio n o r o th e r p r iv a te c o m ­ p a n ie s .  B y s u b s c r ib in g to S t a t e a s s o c ia t io n o r in s u r in g in o th e r c o m p a n ie s .  P re s u m e d in a b s e n c e o f w r it t e n n o tic e , i f e m p lo y e r in s u r e s .  A s s u m e d r is k , fe llo w s e r v ic e , a n d c o n t r ib ­ u t o r y n e g lig e n c e .  N o t p e r m itte d .  E le c tin g e m p lo y e r s m u s t in s u r e in S ta te fu n d o r p r iv a te c o m p a n ie s , o r p r o ­ v id e s e lf- in s u r a n c e .  W r it in g file d w i t h in ­ d u s tr ia l a c c id e n t b o a rd .  P re s u m e d in a b s e n c e o f w r it t e n n o tic e , i f e m p lo y e r e le c ts .  A s s u m e d r is k , f e llo w s e r v ic e , a n d c o n t r ib ­ u t o r y n e g lig e n c e .  P e r m it t e d i f e m p lo y e r is i n d e f a u lt o n i n ­ s u r a n c e p r e m iu m s .  E x is tin g s c h e m e s m a y b e c o n t in u e d , b u t n o r e d u c ­ t io n in l i a b i l i t y a llo w e d ; w a iv e r s fo r b id d e n .  P e r s o n a l in ju r ie s a r is in g o u t o f a n d i n c o u r s e o f e m p lo y m e n t , u n le s s d u e to in t e n t io n a l a n d w illf u l m is c o n d u c t . ( C o u r t h o ld s in ­ j u r y m u s t b e a c c id e n t a l.)  1 w eek. N o n e i f d is ­ a b ilit y c o n t in u e s 6 w eeks.  0 0 p e r c e n t ......................................  E le c t in g e m p lo y e r s m u s t in s u r e in p r i­ v a t e c o m p a n ie s o r p r o v id e s e lf- in s u r ­ ance.  P re s u m e d in a b s e n c e of w r itte n n o t ic e p o s te d in e s t a b lis h ­ m e n t a n d file d w it h c o m m is s io n e r o f la ­ b o r. C o n tra c ts m u s t s ta te r e je c tio n in w r it in g .  P re s u m e d in a b s e n c e o f w r i t t e n n o tic e t o e m p lo y e r a n d f ile d w i t h c o m m is s io n e r o f la b o r .  A s s u m e d r i s i , f e llo w s e r v ic e , a n d c o n t r ib ­ u t o r y n e g lig e n c e u n ­ le s s w i l l f u l .  N o t p e r m i t t e d ......................  E m p lo y e r m a y m a in ta in a p p ro v e d schem es, b ut m a y n o t re d u c e lia b ility fix e d b y la w .  P e r s o n a l in ju r ie s b y a c c id e n t a r is ­ in g o u t o f a n d in c o u rs e o f e m ­ p lo y m e n t , u n le s s i n t e n t io n a lly s e lf - in f lic t e d , d u e t o in t o x ic a ­ t io n , o r c a u s e d b y fe llo w e m -  1 ^ c e k . N o n e i f d is a ­ b ility c o n tin u e s 4 w eeks.  D e a th , 30 to 6 6 % p e r c e n t. D is a b ility , 6 6 % p e r c e n t.  M a x im u m , $ 2 0 ; m in im u m , $8, o r a c tu a l w a g e s .  E le c t in g e m p lo y e r s m u s t in s u r e m S ta te fu n d o r p r iv a te c o m p a n ie s , o r p r o ­ v id e s e lf - in s u r a n c e ; n o n h a z a rd o u s em ­ p lo y m e n ts in S ta te fu n d . E le c tin g e m p lo y e r s m u s t in s u r e in p r i­ v a t e c o m p a n ie s , o r p r o v id e s e lf - in s u r ­ ance.  W r itin g file d w it h b o a rd a n d p o s te d in e s t a b lis h m e n t .  P re s u m e d in a b s e n c e o f w r i t t e n n o tic e t o e m p lo y e r a n d f ile d w ith b o a rd .  A s s u m e d r is k , fe llo w s e r v ic e , a n d c o n t r ib ­ u to ry n e g lig e n c e u n le s s w i l l f u l .  P e r m itte d in S ta te d e fa u lt o p r e m iu m  W a iv e r s fo r b id d e n ; h o s p it a l f u n d m a y b e m a in t a in e d .  I n j u r i e s f r o m f o r t u i t o u s event a r i s ­ in g o u t o f a n d i n c o a r s e o f e m ­ p lo y m e n t.  2 w eeks. a b ility w eeks.  D e a th , 30 to 50 p e r c e n t. D is a b ility , 50 p e r c e n t.  M a x i m u m , $ 1 2 .5 0 . M i n i ­ m u m , $6, or a c tu a l w ages.  P re s u m e d in a b s e n c e o f n o tic e p o s te d in e s ta b lis h m e n t and file d w it h c o m p e n ­ s a t io n c o m m is ­ s io n e r .  P re s u m e d in a b s e n c e o f n o tic e to em ­ p lo y e r a n d f ile d w it h c o m p e n s a t io n c o m ­ m is s io n e r .  A s s u m e d r is k , fe llo w s e r v ic e , a n d c o n t r ib ­ u t o r y n e g lig e n c e u n ­ le s s w i l l f u l .  P e r m it t e d i f e m p lo y e fa ils t o in s u r e r is k .  E x is tin g s c h e m e s m a y b e c o n t in u e d i f b e n e fits e q u a l th o s e o f a c t. W a iv e r s fo r ­ b id d e n .  P e r s o n a l in ju r ie s b y a c c id e n t a r is ­ in g o u t o f a n d i n c o u r s e o f e m ­ p lo y m e n t , u n le s s d u e t o w i l l f u l n e g lig e n c e ( d e lib e r a t e a n d r e c k ­ le s s i n d i f f e r e n c e t o s a f e t y o r i n ­ to x ic a t io n ) .  1  N o n e i f d is a ­ b i l i t y c o n tin u e s fo r 6 w eeks.  6 6 % p e r c e n t ............................ ..  M a x im u m , $15. m u m , $8, or w ages.  W r itin g f ile d w ith c o m m is s io n ; n o tic e o f r e je c tio n to be p o s te d in e s ta b lis h ­ m e n t.  P re s u m e d o f n o tic e er and c o m m is s  A ssum e s e r v ic u to ry le s s w  P e r m it t e d i f e m p lo y e r is i n d e f a u lt o n i n ­ s u r a n c e p r e m iu m s .  W a iv e r s f o r b id d e n . H os­ p it a l fu n d m a y b e m a in ­ ta in e d .  P e r s o n a l in ju r ie s b y a c c id e in g o u t o f a n d in c o u rs e p lo y m e n t , u n le s s d u e t o in t e n t io n t o i n ju r e s e lf o t h e r , o r s u s ta in e d w h ile c a te d .  7  days. T h e n com ­ p e n s a tio n f r o m d a te o f in ju r y .  D e a th , 10 to 6 6 %  D e a th : wago, D is a b m a x im m in im  E le c tin g e m p lo y e r s m u s t in s u r e in S ta te fu n d .  in a b s e n c e t o e m p lo y ­ f ile d w ith io n .  d r is k , fe llo w e , a n d c o n tr ib ­ n e g lig e n c e u n ­ illfu l.  i f e m p lo y e r f u n d is in n in s u r a n c e s.  n t a r is ­ of em ­ w illfu l or an­ in t o x i­  N o n e i f d is ­ c o n tin u e s 6  per  te m p o ra ry p a r tia l d is a b ility , 60 per c e n t; p e r m a n e n t p a r­ t i a l a n d s p e c ifie d i n ­ ju r ie s , 5 0 p e r c e n t.  $14.  M in i­  M in i­ a c tu a l  M a x im u m o a s ic $120 a m o n th ility : M o n t h l y u m , $40 to $72; u m , $30.  M e d ic a l a n d s u r g ic a l a id P a r t ia l d is a b ilit y  (а ) B y w h o m a d m i n i s t e r e d (б ) H o w c l a i m s a r e s e t t l e d  D ep end ent w id o w s , c h ild r e n , a n d p a r ­ e n ts o n ly ; m a y c o m ­ m u te w ith in one y e a r a t th re e -fo u rth s v a lu e , n o t o v e r $ 2 ,4 0 0 .  N o t ic e o f a c c id e n t i n 1 0 d a y s ; o f d e a t h i n 3 0 d a y s , u n le s s s u ffic ie n t re a s o n ; c la im in 30 d a y s fo r in ju r y , 1 y e a r fo r d e a th .  ( a ) I n d u s t r ia l a c c id e n t c o m m is s io n . (6 ) A p p lic a t io n b y e m p lo y e e t o c o m ­ m is s io n w h ic h m a y r e n d e r a w a r d , o r a p p o in t a r b it r a t io n c o m m it t e e , a p ­ p e a l t o c o m m is s io n , t h e n t o c o u r ts .  A l l e m p lo y e r s m u s t r e p o r t a l l a c e id e n t s t o i n d u s t r i a l a c c id e n t c o m ­ m is s io n a t o n c e . C o m m is s io n m a y r e q u ir e a d d it io n a l r e p o r ts .  ( a ) I n d u s t r ia l a c c id e n t b o a r d . (6 ) V o lu n t a r y a g re e m e n t a p p ro v e d b y b o a r d ; d is p u t e d c a s e s s e t t le d b y m e m b e r o f b o a rd ; a p p e a l to fu ll b o a r d ; c e r ta in c a s e s t a k e n d ir e c t t o b o a rd ; a p p e a l to c o u rt u p o n q u e s ­ t io n s o f la w .  A l l e m p lo y e r s m u s t r e p o r t a ll i n ­ ju r ie s t o b o a r d w it h in 4 8 h o u r s ; s u p p le m e n t a r y r e p o r t a fte r 6 0 d a y s o r t e r m in a t io n o f d is a b il­ i t y ; in s u r e r s r e p o r t c o m p e n s a ­ t io n p a id w i t h i n 6 0 d a y s a f t e r te r m in a tio n o f d is a b ility .  (a ) N o p r o v is io n , (b ) p a r tm e n t o f la b o r in d u s tr ie s ;1 M a s s a s e tts E m p lo y e e s ’ I n a n c e A s s o c ia tio n .  A l l e m p lo y e r s m u s t r e p o r t a ll i n ­ ju r ie s t o d e p a r tm e n t o n e ig h th d a y a fte r o c c u rre n c e ; s u p p le ­ m e n ta l r e p o r t o f d e a th s w it h in 14 days.  ( a ) N o p r o v is io n , (b ) D e ­ p a r t m e n t o f la b o r a n d in d u s tr y .1  M ic h ig a n .  A l l e le c tin g e m p lo y e r s f a t a l a n d s e r io u s a c c in 48 h o u rs , o th e r a c c id e n t s w i t h i n 7 d u s t r ia l c o m m is s io n  (a ) N o p ro p a rtm e n in d u s t r ie s p e c to rs  M in n e s o ta  (a ) B u r ia l e x p e n s e s , m a x im u m , $ 1 2 5 ; 6 6 % p e r c e n t o f w a g e s fo r 8 y e a rs ; m a x im u m , $ 1 8 , m in im u m , $ 8 , o r f u l l w a g e s , n o t o v e r $ 5 ,0 0 0 n o r le s s t h a n $ 1 ,0 0 0 . (6 ) B u r ia l e x p e n s e s , m a x i m u m . $ 1 2 5 , u n le s s e s ta te s u ffic ie n t t o d e fr a y s a m e .  (a ) 6 6 % p e r c e n t o f w a g e s fo r life ; m a x im u m , $ 1 8 ; m in im u m , $ 8 , o r a c tu a l w a g e s ; to ta l n o t o v e r $ 5 ,0 0 0 . (b ) 6 6 % p e r c e n t o f w a g e s fo r n o t o v e r 6 y e a rs ; m a x im u m , $ 18, m in im u m , $8, o r a c tu a l w a g e s , t o t a l n o t o v e r $ 3 ,7 5 0 .  5 0 p e r c e n t o f w a g e lo s s ; m a x i m u m . $ 1 8 , t o t a l n o t o v e r $ 3 ,0 0 0 , i f p e r m a ­ n e n t , o r $ 3 ,5 0 0 , i f t e m p o r a r y . S p e c ifie d i n ju r ie s , 6 6 % p e r c e n t o f w a g e s f o r f ix e d p e r io d s ; m a x i m u m , $ 1 8 ; m in im u m , $8, o r f u ll w a g e s , in a d d itio n to te m p o r a r y t o t a l; n o t o v e r $ 3 ,7 5 0 i n a ll.  ‘ S u c h m e d ic a l, s u r g ic a l, o r h o s p it a l s e r v ic e , in c lu d in g a r t i f i c i a l lim b s , a s m a y b e r e q u ir e d b y c o m m is ­ s io n ; m a x im u m , $ 5 0 0 . C h a rg e s lim it e d to p r e v a ilin g r a te s .  D e a th a n d t o t a l d is a b il­ it y , 5 0 0 w e e k s ; p a r tia l d is a b ility , n o lim it .  (a ) 6 6 % p e r c e n t o f w a g e s fo r 500 w e e k s ; m a x im u m , $ 1 6 ; m in i­ m u m , $ 4 ; t o t a l n o t o v e r $ 4 ,0 0 0 . (b ) E x p e n s e s o f b u r ia l, m a x i­ m u m , $ 1 5 0 ; a n d $ 100 to s e c o n d in ju r y fu n d .  ( a ) (b ) 6 6 % p e r c e n t o f w a g e s f o r n o t o v e r 5 0 0 w e e k s ; w e e k ly m a x ­ im u m , $ 1 6 ; m in im u m , $ 7 ; t o t a l n o t o v e r $ 4 ,0 0 0 .  6 6 % p e r c e n t o f w a g e lo s s , m a x i m u m , $ 1 6 ; t o t a l n o t o v e r $ 4 ,0 0 0 . S p e c i­ f ie d in ju r ie s , 6 6 % p e r c e n t o f w a g e s f o r f ix e d p e r io d s in a d d it io n t o a ll o t h e r c o m p e n s a tio n ; m a x im u m , $ 1 0 ; m in im u m , $4.  R e a s o n a b le m e d ic a l, s u r g ic a l, a n d h o s p it a l s e r v ic e or lo n g e r , a t d is c r e t io n o f b o a r d .  N o p r o v is io n 2__  N o tic e a s s o o n a s p r a c ti­ c a b le ; c la im i n 6 m o n t h s .  D e a th , 3 0 0 w e e k s . a b ility , 5 0 0 w e e k ? .  ( a ) E x p e n s e s o f l a s t s ic k n e s s b u r ia l, m a x im u m , $ 2 0 0 ; 6 0 c e n t o f w a g e s fo r 300 w e m a x im u m , $ 1 4 ; m in im u m , ( b ) E x p e n s e s o f l a s t s ic k n e s s b u r ia l, m a x im u m , $ 2 0 0 .  ( a ) (b ) 6 0 p e r c e n t o f w a g e s d u r in g d is a b ility , fo r n o t o v e r 5 0 0 w e e k s ; w e e k ly m a x im u m , $ 1 4 ; m in i­ m u m , $ 7 ; t o t a l n o t o v e r $ 7 ,0 0 0 .  6 0 p e r c e n t o f w a g e lo s s d u r i n g d is ­ a b ility , fo r n o t o v e r 500 w e e k s ; w e e k l y m a x i m u m , $ 1 4 . S p e c ifie d in ju r ie s , 6 0 p e r c e n t o f w a g e s fo r f ix e d p e r io d s ; w e e k ly m a x im u m , $ 1 4 ; m in im u m , $7.  R e a s o n a b le m e d ic a l a n d s e r v ic e ,  h o s p ita l  I n c l u d e d .................. ..........................  N o tic e in 3 m o n th s ; c la im in 6 m o n t h s ; 2 y e a r s i f d is ­ a b i l i t y d e v e lo p s a f t e r 6 m o n th s a fte r d a te o f in ju r y .  (a ) B u r ia l e x p e n s e s , m a x im u m , $150; 30 to 66% p e r c e n t o f w a g e s; m a x im u m , $ 2 0 ; m in im u m , $ 8 , o r a c tu a l w a g e s ; to ta l n o t o v e r $ 7 ,5 0 0 . (b ) E x p e n s e s o f b u r ia l, m a x im u m , $ 1 5 0 ; a n d $ 2 0 0 to se c ­ o n d in ju r y fu n d .  (a ) 6 6 % m u m , a c tu a l in a ll. fo r n o m u m , a c tu a l  p e r c e n t o f w a g e s ; m a x i­ $20; m in im u m , $8. o r w a g e s ; n o t o v e r $ 1 0 ,0 0 0 (b ) 6 6 % p e r c e n t o f w a g e s t o v e r 3 0 0 w e e k s ; m a x i­ $20, m in im u m , $ 8 , o r w ages.  6 6 % p e r c e n t o f w a g e lo s s d u r i n g d is ­ a b ility , fo r n o t o v e r 300 w e e k s ; m a x i m u m , $ 2 0 . S p e c ifie d i n ju r ie s , 6 6 % p e r c e n t o f w a g e s f o r fix e d p e r io d s , in a d d it io n t o t e m p o r a r y t o ta l; m a x im u m , $ 2 0 , m in im u m , $ 8 , o r a c tu a l w a g e s . D is fig u r e ­ m e n t, n o t o v e r 75 w e e k s .  R e a s o n a b le m e d ic a l a n d s u r g ic a l tre a tm e n t c o m m is ­ s io n m a y a llo w a d d it io n a l t r e a t ­ m e n t , i f n e e d is s h o w n . C h a r g e s lim it e d to p r e v a ilin g ra te s .  I n c l u d e d .............................................  N o tic e in 14 d a y s ; i f in 3 0 d a y s n o t b a rre d e x c e p t as to e x te n t e m p lo y e r w a s p r e ju d ic e d ; b a r a b s o lu te a fte r 9 0 d a y s . A c tio n m u s t b e b ro u g h t w ith in 6 y e a rs .  D e a th , 4 0 0 w e e k s . P e rm a n e n t t o t a l d is a b ilit y , life . T e m p o ra ry to ta l d is a b ility , 330 w eeks. P a r t ia l d is a b ilit y , 150 w eeks.  (a ) B u r ia l $125; 30 to fo r 400 w e e m in im u m , (b ) B u r ia l $125.  m a x im u m , qt of wages u m , $ 1 2 .5 0 ; tu a l w a g e s , m a x im u m ,  (a ) 50 p e r c e n t o f w a g e s fo r 400 w e e k s ; m a x im u m , $ 1 2 .5 0 ; m i n i ­ m u m , $ 6 , o r a c tu a l w a g e s ; th e r e ­ a fte r $ 5 a w e e k fo r life , (b ) 6 0 p e r c e n t o f w a g e s fo r n o t o v e r 3 0 0 w e e k s ; m a x i m u m , $ 1 2 .5 0 ; m 'n im u m , $6, o r a c tu a l w a g e s .  5 0 p e r c e n t o f w a g e lo s s , f o r n o t o v e r 150 w e e k s i f p e rm a n e n t, 6 0 w e e k s i f t e m p o r a r y ; m a x im u m , $ 6 .2 5 . S p e c ifie d i n ju r ie s , 5 0 p e r c e n t o f w a g e s f o r fix e d p e r io d s ; m a x im u m , $ 1 2 .5 0 ; m i n i m u m , $ 6 , o r a c t u a l w ages.  R e a s o n a b le m e d ic a l a n d h o s p it a l s e r v ic e m a x im u m , $ 1 0 0 , u n le s s t h e r e is a h o s p it a l f u n d ; s p e c ia l o p e r a t in g fe e o f $ 5 0 in c a s e o f h e r n ia .  E x c lu d e d u n le s s t r e a t y to c o n tra ry , th e n o n e - h a lf b e n e fits i f t r e a t y p e r m its ; n o n e i f la w o f n a tio n e x ­ c lu d e s c itiz e n s of U n ite d S ta te s .  N o tic e in 6 0 d a y s ; c la im 6 m o n th s .  D e a th , 3 5 0 w e e k s . P e r­ m a n e n t to ta l d is a b ility , life . T e m p o ra ry to ta l d is a b ilit y , d u r in g its c o n tin u a n c e . P a r tia l d is a b ility , 3 0 0 w e e k s .  ( a ) E x p e n s e s o f b u r ia l, m a x im u m , $ 1 5 0 ; 6 6 % p e r c e n t o f w a g e s fo r 3 5 0 w e e k s ; m a x im u m , $ 1 5 ; m in i­ m u m , $6, o r a c tu a l w a g e s , (b ) E x p e n s e s o f b u r ia l, m a x im u m , $150.  (a ) (b ) 6 6 % p e r c e n t o f w a g e s f o r 3 0 0 w e e k s ; m a x im u m , $ 1 5 ; m in i­ m u m , $ 6 , o r a c tu a l w a g e s ; th e re ­ a fte r 4 5 p e r c e n t o f w a g e s d u r in g d is a b ility ; m a x im u m , $ 1 2 ; m in i­ m u m , $ 4 .5 0 , o r a c t u a l w a g e s .  R e a s o n a b le m e d ic a l a n d h o s p it a l s e r v ic e n o t e x c e e d in g t h e r e g u la r c h a rg e in s im ila r c a se s.  W id o w e r s , b r o t h e r s , a n d s is te r s e x c lu d e d ; m a y c o m m u te w it h ­ in o n e y e a r a t tw o t h ir d s v a lu e .  N o tic e a s s o o n a s p r a c ti­ c a b le ; c l a i m i n 6 m o n t h s ; b a r a b s o lu te a f t e r 1 y e a r .  ( a ) C o m m is s io n e r o f la b o r w h o c o m p e n s a tio n c o m m is s io n e V o lu n ta r y a g r e e m e n t f ile d c o m m is s io n e r ; d is p u t e d c a s e s b y c o m m is s io n e r ; a p p e a l t o c  D e a th , d u r in g life o r u n t i l r e m a r r ia g e o f w id o w o r d e p e n d e n t w id o w e r . T o t a l d is a b ilit y , d u r in g it s c o n tin u a n c e .  (a ) B u r ia l e x p e n s e s , m a x im u m , $ 1 2 5 ; w id o w ‘ o r d e p e n d e n t w id ­ o w e r, 30 p e r c e n t o f w a g e s u n til d e a th o r r e m a r r ia g e ; 1 0 p e r c e n t a d d itio n a l fo r e a c h c h ild ; t o t a l n o t o v e r 6 6 % p e r c e n t; m o n th ly m a x im u m b a s ic w a g e , $ 1 2 0 . A ls o b u r ia l e x p e n s e s , m a x im u m $ 1 2 5 , in c a se o f d e a th o f d e p e n d ­ e n t. (b ) B u r ia l e x p e n s e s , m a x i­ m u m , $125.  (a ) 6 0 p e r c e n t o f w a g e s f o r lif e ; m o n t h ly m a x im u m , $ 6 0 ; m in i­ m u m , $ 3 0 ; a ls o $ 3 0 f o r s e r v ic e s o f c o n s t a n t a t t e n d a n t , i f r e q u ir e d ; (b ) 6 0 p e r c e n t o f w a g e s , f o r n o t o v e r 100 m o n th s : to ta l n o t o v e r $ 7 ,2 0 0 ; m o n t h l y m a x im u m . $ 7 2 ; m in im u m , $ 3 0 ; $ 1 0 a d d itio n a l p e r m o n t h i f d e p e n d e n ts in U n ite d S ta te s .  6 6 % p e r c e n t o f w a g e lo s s f o r n o t o v e r 3 0 0 w e e k s ; m a x im u m , $ 1 5 . S p e c ifie d i n ju r ie s , 6 6 % p e r c e n t o f w a g e s f o r f ix e d p e r io d s , i n a d d i­ t io n t o te m p o r a r y t o t a l; m a x i­ m u m , $1 5 ; m in im u m , $6, o r a c tu a l w a g e s ; c e r t a in d is f ig u r e m e n t s c o m p e n s a te d . 6 0 p e r c e n t o f w a g e lo s s , f o r n o t o v e r 6 0 m o n th s ; m o n t h ly m a x im u m , $40. I f p e rm a n e n t, 50 p e r c e n t o f w a g e s f o r p e r io d s p r o p o r t io n e d t o d is a b ility , fo r n o t o v e r 6 0 m o n th s ; m o n t h ly m a x im u m , $ 6 0 . S p e c i­ f ie d in ju r ie s 5 0 p e r c e n t o f w a g e s f o r fix e d p e r io d s i n a d d it io n t o t e m p o r a r y t o ta l; m o n t h ly m a x i­ m u m , $ 6 0 ; m in im u m , $ 3 0 . D is ­ fig u r e m e n t, n o t o v e r 1 2 m o n th s .  R e a s o n a b le m e d ic a l, s u r g ic a l, o r h o s p it a l t r e a t m e n t w h ic h m a y b e e x te n d e d to 1 y e a r b y c o m m is s io n . T ra n s ­ p o r ta tio n fu r n is h e d . C h a rg e s lim it e d to p r e v a ilin g ra te s .  S ix ty p e r c e n t o f b e n e f it s .  N o tic e o f in j u r y in 3 0 d a y s ; d e a th in 6 0 d a y s ; c la im in 9 0 d a y s fo r d is a b ilit y ; 1 y e a r fo r d e a th .  D e a th , ency. d is a b ra ry d is a b  d u r in g P e rm a ilit y , lif e . to ta l a n ility , 3 0 0  D is ­  d e p e n d n e n t to ta Tem p o d p a r tia w eeks.  ­ l ­ l  * But included by construction of law.  expenses, 50 p e r c e k s ; m a x im $6, o r a c expenses,  and per eks; $7. and  for £ weeks,  for 90 days.  for 90 days;  for £ weeks;  for 90 days,  A c c id e n t - p r e v e n tio n w o r k b y — (a ) C o m p e n s a t io n c o m m is s io n . (6 ) O th e r a g e n c ie s  T im e fo r n o tic e a n d c la im  N o n r e s id e n t a lie n b e n e fic ia r ie s  416 w e e k s . P e rn t t o t a l d is a b ilit y , T e m p o ra ry to ta l ility , 3 1 2 w e e k s .  D e a th , m ane lif e . d is a b  r e m p lo y ­  C om pulsory,  N o t p r o v id e d f o r in c o m p e n s a tio n la w .  19645°—25f.  ---------------  C o m p e n s a t io n b e n e fits  H o w e le c t io n is m a d e  E m p lo y m e n ts c o v e re d  in  (a) D e p a r t m e n t (b) V o l u n t a r y  o f la b o r a n d in d u s t r y . a g re e m e n t a p p ro v e d b y d e p a r t m e n t ; d is p u te d c a s e s s e t­ t le d b y a r b it r a t io n c o m m it t e e ; a p ­ p e a l t o d e p a r t m e n t ; c e r ta in c a s e s t a k e n d ir e c t t o d e p a r t m e n t ; a p p e a l t o c o u r t u p o n q u e s tio n s o f la w .  b  ( a ) I n d u s t r ia l c o m m is s io n . ( ) E m ­ p lo y e r s a re d ir e c te d t o p a y c o m p e n ­ s a t io n a c c o r d in g t o t e r m s o f a c t, w ith o u t a g re e m e n t o r o rd e r; m a y n o t d is c o n tin u e o v e r p r o t e s t o f b e n e ­ f ic ia r y w it h o u t n o tic e t o c o m m is ­ s io n . O r d e r s is s u e a f t e r h e a r in g , s u b je c t t o r e v ie w a n d a p p e a l t o c o u rts . ( a ) I n d u s t r ia l a c c id e n t b o a r d . ( 6 ) D is p u te d c a s e s d e t e r m in e d b y b o a r d s u b je c t t o r e h e a r in g o n c e r t a in s p e c i­ fie d g ro u n d s ; lim ite d a p p e a l to c o u rts .  A c c id e n t r e p o r t s r e q u ir e d  m u s t re p o rt id e n t s , w i t h ­ ta b u la ta b le d a y s to in ­ .  c o m m is s io n , (b ) B o a r d o f la b o r a n d s t a t is t ic s ; m in e in s p e c to r .*  v t s o  D e ­ and chu­ s u r­  is io n (b ) D e ­ o f la b o r a n d ;1 c o u n ty in ­ f m in e s .1  S ta te  M a r y la n d .  M a s s a c h u s e tts  A l l e m p lo y e r s a n d in s u r e r s m u s t r e p o r t a l l a c c id e n t s t o i n d u s t r i a l a c c id e n t b o a r d ; e m p lo y e r s n o t in S ta te fu n d m u st re p o rt m o n t h ly o n c o m p e n s a tio n a n d m e d ic a l a id p a id .  (a ) I n d u s t r ia l a c c id e n t b o a r d , (b ) D e p a r t m e n t o f la b o r a n d in d u s tr ie s ( m in e s a n d b o ile r s o n ly ) .1  M o n ta n a .  is a ls o r. (5 ) w ith s e t t le d o u rt.  R e p o r t s o f a c c id e n t s s h a ll b e m a d e a s d ir e c te d b y c o m p e n s a tio n c o m m is s io n e r .  (a ) N o p r o v is io n , r e a u o f la b o r .  N e b ra s k a .  ( a ) I n d u s t r ia l c o m m is s io n . (6 ) B y c o m m is s io n u n d e r r u le s a d o p te d b y  A l l e le c tin g e m p lo y e r s a n d p h y s ic ia n s m u s t r e p o r t a ll a c c id e n t s t o in d u s t r ia l c o m m is s io n .  < a ) N o p r o v is io n , (b ) L a b o r c o m m is s io n e r ;1 i n ­ s p e c to rs o f m in e s .1  (b ) B u ­  N evad a.  PRINCIPAL FEATURES OF LAWS OF THE UNITED STATES RELATIVE TO WORKMEN’S COMPENSATION AND INSURANCE—Continued H o w e le c t io n is m a d e  E m p lo y m e n ts c o v e re d In s u r a n c e  S ta te  'J e w H a m p s h ir e . C h. 163. A p p ro v e d A p r. 15, 1911. In e ffe c t J a n . 1, 1 9 1 2 . A m e n d e d , 1923. S le w J e r s e y . C h . 95. A p p ro v e d A p r . 4 , 1 9 11. I n e ffe c t J u ly 4 , 1911. A m e n d e d , 1913, 1914, 1916, 1917, 1918, 1919, 1921, 1922, 1923, 1924. M ew M e x ic o . C h. 83. A p ­ p r o v e d M a r . 1 3 , 1917. I n e ffe c t J u n e 8, 1917. A m e n d e d , 1919, 1921.  Elective,  a s to “ d a n g e r o u s ” e m p lo y ­ m e n t s e n u m e r a t e d , e x c e p t fa c to r ie s o r s h o p s h a v i n g le s s t h a n 5 e m ­ p lo y e e s e n g a g e d i n m a n u a l o r m e ­ c h a n ic a l la b o r ; a p p lie s o n ly to “ w o rk m e n .” a s to a ll e m p lo y m e n t s e x c e p t c a s u a l e m p lo y e e s .  Elective,  Com pulsory,  a s to a ll e m p lo y e e s , except e le c tiv e o ffic ia ls o r th o s e r e c e iv in g a s a la r y o v e r $ 1 ,2 0 0 .  Elective,  a s to “ e x tra h a z a rd o u s ” e m ­ p lo y m e n t s f o r g a in i f 4 o r m o r e e m ­ p lo y e e s ; c a s u a l e m p lo y e e s n o t in u s u a l c o u r s e o f e m p lo y e r ’ s b u s in e s s e x c e p te d , n u m e r ic a l e x c e p tio n d o e s n o t a p p ly t o s t r u c t u r a l w o r k 10 fe e t a b o v e g ro u n d . a s to n o n h a z a r d o u s e m p lo y m e n t s . as to e n u m e ra te d “ h a z a r d o u s ” e m p lo y m e n t s , a n d a ll o th e r e m p lo y m e n t s h a v in g 4 o r m o r e w o r k m e n o r o p e r a tiv e s , c o n d u c t e d f o r g a in ; f a r m a n d d o m e s t ic s e r v ic e s e x c lu d e d . as to o th e r e m p lo y m e n t s .  B y e m p lo y e e  B y e m p lo y e r  P u b lic  P r iv a te  D e fe n s e s a b r o g a te d i f e m p lo y e r d o e s n o t e le c t  S u its fo r dam ages a fte r e le c tio n by b o t h e m p lo y e r a n d e m p lo y e e  C o m p e n s a t io n b e n e fits S p e c ia l c o n t r a c t s  Injuries covered  Waiting time P e r cent o f w ages  E le c tin g e m p lo y e r s m u s t g iv e p r o o f o f f in a n c ia l a b ilit y o r file a b o n d .  W r itin g file d c o m m is s io n e r la b o r .  w ith of  B y a c c e p tin g c o m p e n ­ s a t io n o r b e g in n in g p r o c e e d in g s und er a c t.  F e llo w s e r v ic e , c o n ­ t r i b u t o r y n e g lig e n c e , a s s u m p tio n o f r is k .  P e r m itte d in lie u o f c o m p e n s a t io n a f t e r in ju r y .  N o p r o v is io n .  A l l e m p lo y e r s m u s t i n ­ s u re I n p r iv a te c o m ­ p a n ie s , o r p r o v id e s e lf- in s u r a n c e ; em ­ p lo y e r s o f f a r m la b o r a n d d o m e s tic s e r v ­ ic e e x e m p t e d . E le c tin g e m p lo y e r s m u s t in s u r e , i n p r i ­ v a t e c o m p a n ie s o r p r o v id e s e lf- in s u r ­ ance.  P re s u m e d in a b se n c e o f w r it t e n n o tic e t o e m p lo y e e s .  P re s u m e d in a b s e n c e o f w r it t e n n o tic e t o e m p lo y e r .  N o t p e r m itte d .  N o s u b s titu te v a lid .  P re s u m e d in a b se n c e o f w r it t e n n o tic e to e m p lo y e e s .  P re s u m e d in a b se n c e o f w r it t e n n o tic e t o e m p lo y e r .  A s s u m e d r is k , fe llo w s e r v ic e , a n d c o n t r ib u t o r y n e g lig e n c e u n le s s w i l l f u l . A b ­ r o g a tio n does n o t d e p e n d u p o n r e je c ­ tio n o f a c t. A s s u m e d r is k , fe llo w s e r v ic e , a n d c o n t r ib ­ u t o r y n e g lig e n c e .  N o t p e r m itte d .  In ju r ie s b a n d in u n le s s d in to x ic a  y a c c id e n t c o u rs e o f u e to w illfu t io n , o r v io  M a x im u m a n d m in im u m w e e k ly c o m p e n s a t io n p a y m e n ts  M a x im u m  1 w e e k , th e n c o m p e n ­ s a tio n f r o m d a te o f in ju r y .  50 p e r c e n t.  M a x im u m , $15. M in i­ m u m , n o p r o v is io n .  D is a b ility , 3 0 0 w e e k s ..  a g re e m e n ts  P e r s o n a l in ju r ie s b y a c c id e n t a r is ­ in g o u t o f a n d in c o u rs e o f e m ­ p lo y m e n t , u n le s s in t e n t io n a lly s e lf- in flic te d , o r d u e t o in t o x ic a ­ tio n . D e s ig n a te d o c c u p a t io n a l d is e a s e s i n c l u d e d .  10 d a y s . N o n e i f d is ­ a b ility exceeds 7 w eeks.  D e a th , 35 to 60 p e r c e n t . D is a b ilit y , 6 6 % p e r c e n t..  M a x im u m , $17. m u m , $8, or w ages.  N o p r o v is io n e x c e p t t h a t e m p lo y e r m a y m a in t a in h o s p ita l fu n d .  I n ju r ie s b y a c c id e n t a r is in g o u t o f a n d in c o u rs e o f e m p lo y m e n t , u n le s s d u e t o in t o x i c a t i o n o r i n ­ te n t io n a lly in flic te d b y h im s e lf o r a n o th e r  10 d a y s .  D e a th , 15 to 6 0 p e r c e n t. D is a b ility , 50 p e r c e n t.  D e a t h : B a s ic m a x im u m , b ility : M a m in im u m , w ages.  D e a t h , 3 0 0 w e e k s , p lu s d is a b ility , 5 0 0 w e e k s . P e rm a n e n t to ta l d is ­ a b ility , 400 w eeks. T e m p o ra ry to ta l a n d p a r tia l d is a b ility , 500 w eeks. D e a th , 300 w e e k s ; to ta l d is a b ility , 520 w e e ks; p a r tia l d is a b ility , no p r o v is io n .  w e e k ly w a g e , $30. D is a ­ x im u m , $12; $ 6 , o r a c tu a l  Voluntary,  M ew Y o rk . C h . 816. A p p ro v e d D e c . 16, 1913. I n e ffe c t J u ly 1, 1914. A m e n d e d e a c h y e a r.  Com pulsory,  Com pulsory,  as to  a ll  E m p lo y e r s m u s t in ­ s u re in S ta te fu n d o r p r iv a te c o m p a ­ n ie s , o r p r o v i d e s e lf- in s u r a n c e .  P e r m it t e d i f e m p lo y e r f a ils t o in s u r e r is k .  Waivers forbidden.  A c c id e n t a l p e r s o n a l in ju r ie s a r is ­ in g o u t o f a n d i n c o u r s e o f e m ­ p lo y m e n t , u n le s s d u e t o w i l l f u l in t e n t io n t o in ju r e s e lf o r a n ­ o th e r , o r in to x ic a t io n . D e s ig ­ n a t e d o c c u p a t io n a l d is e a s e s i n ­ c lu d e d .  1 w e e k . N o n e i f d is ­ a b ilit y c o n tin u e s fo r m o re th a n 7 w e e k s .  D e a th , 15 to 0 6 % p e r c e n t. D is a b ility , 6 0 % p e r c e n t.  D e a th : w age, D is a b m a x im m u m ,  M a x im u m b a s ic $150 a m o n th . ilit y : W e e k l y u m , $2 9 ; m in i­ $8, o r f u ll w a g e s .  D e a t h , d u r in g lif e o r u n t i l r e m a r r ia g e o f w id o w o r dependent w id o w e r . P e r m a n e n t t o t a l d is a ­ b i l i t y , life . O th e r s , d u r ­ in g d is a b ilit y .  Com pulsory,  as to  a ll  E m p lo y e r s m u s t in ­ s u re in S ta te fu n d .  P e r m it t e d i f e m p lo y e r f a ils t o in s u r e r is k -  Waivers forbidden .  I n ju r ie s a r is in g in c o u rs e p lo y m e n t u n le s s c a u s e d fu l in te n tio n to in ju r e a n o th e r. O c c u p a tio n a l in c lu d e d b y d e c is io n o f  1 w e e k . N o n e i f d is ­ a b ilit y c o n tin u e s fo r m o re , th a n 1 w e e k .  D e a th , 20 to 6 6 % p e r c e n t . D is a b ility , 6 6 % p e r c e n t.  D e a t h : B a s ic w e e k ly w a g e ; m a x im u m , $30, m in i­ m u m , $18, b u t c o m p e n ­ s a tio n n o t m o r e t h a n w a g e s . D is a b ilit y ; W e e k ly m a x im u m , $ 2 0 , m in im u m , $6, o r a c tu a l w a g e s i f le s s t h a n $ 6 .  D e a th , d u r in g life o r u n t il r e m a r r ia g e . D is a b ilit y , d u r in g it s c o n t in u a n c e .  a s t o a ll e m p lo y e e s , except o f f ic ia ls o r f ir e m e n and p o lic e m e n in c itie s h a v in g pen­ s io n fu n d s .  E m p lo y e r s m u s t in ­ s u re in S ta te fu n d o r p r o v id e s e lf- in ­ s u ra n c e .  P e r m itte d in c a s e o f d e f a u lt o n in s u r a n c e p r e m iu m s .  W a iv e r s fo r b id d e n e x c e p t in c a s e o f b lin d e m p lo y e e s .  I n ju r ie s s u s ta in e d in c o u rs e o f e m ­ p lo y m e n t , u n le s s p u r p o s e ly s e lfin flic te d . D e s ig n a te d o c c u p a ­ t i o n a l d is e a s e s i n c l u d e d .  1 week.  6 6 % p e r c e n t.  M a x i m u m , $ 1 8 .7 5 ; m i n i m u in , $5, o r a c tu a l w ages.  D e a th , 4 1 6 w e e k s . P e rm a nent to ta l d is a b ility , lif e . T e m p o ra ry to ta l d is a b ility , 312 w e e k s . P a r t ia l d is a b ility , d u r ­ in g it s c o n tin u a n c e .  E m p lo y e r s m u s t in ­ s u re in p r iv a te c o m ­ p a n ie s o r p r o v id e s e lf- in s u r a n c e .  P e r m it t e d i f e m p lo y e r f a ils t o in s u r e r i s k .  A p p r o v e d s c h e m e s p e r m it­ te d . W a iv e r s fo r b id d e n .  5 days.  6 6 % p e r c e n t.  M a x im u m , $ 1 8 . m tim , $8, or w ages.  M in ia c tu a l  P e r m a n e n t t o t a l d is a b ilit y , 5 00 w e e k s . T e m p o ra ry t o ta l a n d p a r tia l d is a b ilitv , 3 0 0 w e e k s .  P e r m i t t e d i f i n j u r y is d u e to w illfu l a c t o f e m p lo y e r o r i n c® 3 ® o f d e fa u lt o n in s u r ­ a n c e p r e m iu m s .  Waivers forbidden.  A c c id e n t a l p e r s o n a l in ju r ie s , n o t f a t a l, a r is in g o u t o f a n d in c o u rs e ° f e m p lo y m e n t , u n le s s d u e t o w i l l f u l i n t e n t i o n t o i n j u r e s e lf o r a n o th e r , in to x ic a t io n , o r w illf u l f a ilu r e t o u s e s t a t u t o r y s a fe " g u a rd s . P e rs o n a l in ju r ie s b y a c c id e n t a r is in g o u t o f a n d in c o u rs e o r e m p lo y m e n t , u n le s s d u e t o d e ­ lib e r a t e i n t e n t i o n t o i n j u r e s e lf.  M o n th ly p e n s io n ; a m o u n ts n o t b a se d on w ages, except fo r te m p o ra ry to ta l d is a b ility .  M o n t h l y p e n s io n . D e a t h $15 to $50. P e rm a n e n t t o t a l d is a b ility , $ 3 0 to $50. T e m p o ra ry to ta l d is a b ility , $ 3 0 to $ 9 7 . P e r m a n e n t p a r t ia l d is ­ a b ility , $ 2 5 .  D e a th , d u r in g life o r u n t il r e m a r r ia g e o f w id o w o r in v a lid w id o w e r . T o t a l d is a b ility , d u r in g it s c o n tin u a n c e . Tem p or a r v p a r t ia l d is a b ilit y ,  e m p lo y e e s .  Voluntary,  M o rth D a k o ta . C h. 162. A p ­ p r o v e d M a r . 15, 191 9 . I n e ffe c t M a r . 5, 1919. A m e n d e d 1921, 1923.  Com pulsory,  a s t o a ll e m p lo y m e n t s e x c e p t e x e c u t iv e o ffic e r s r e c e iv in g m o r e t h a n $ 2 ,4 0 0 p e r y e a r , f a r m a n d d o m e s t ic s e r v ic e , c a s u a l e m p lo y e e s n o t in u s u a l c o u r s e o f e m p lo y e r ’s b u s in e s s , a n d a n y c o m m o n c a r r ie r b y s te a m r a ilr o a d . a s to e x c e p te d e m p lo y m e n t s .  e m p lo y e e s .  of em ­ b y w ill­ s e lf o r d is e a s e s b u re a u .  Voluntary,  O h io . P . 524. A p p ro v e d J u n e 15, 1911. I n e ffe c t J a n . 1, 1 9 1 2 . A m e n d e d e a c h s e s s io n .  Com pulsory,  a s to a ll e m p lo y m e n t s e x c e p t t h o s e h a v i n g le s s t h a n 3 e m ­ p lo y e e s , a n d c a s u a l e m p lo y e e s n o t i n u s u a l c o u rs e o f e m p lo y e r ’s b u s i­ ness. a s t o e m p lo y m e n t s h a v i n g le s s t h a n 3 e m p lo y e e s .  Voluntary,  O k la h o m a . C h . 246. A p p ro v e d M a r . 2 2 ,1 9 1 5 . I n e ffe c t S e p t. 1, 1915. A m e n d e d , 1919, 1923.  )re g o n . C h . 112. A p p ro v e d F e b . 2 5 , 19 1 3 . I n e ffe c t J u ly l, 1 9 1 3 . C o m p e n s a t io n and in ­ s u ra n c e p r o v is io n s e ffe c tiv e J u ly 1, 1914. A m e n d e d , e a c h s e s s io n .  19645°—25f.  CompuUory,  Com pulsory,  Com pulsory,  Elective,  Elective,  a s to “ h a z a rd o u s ” e m ­ p lo y m e n t s (e n u m e ra te d lis t a n d g e n e r a l c la u s e ) c o n d u c t e d f o r g a in e x c e p t t h o s e h a v i n g le s s t h a n 2 e m ­ p lo y e e s , f a r m la b o r , a n d e m p lo y e e s n o t e n g a g e d in m a n u a l o r m e c h a n ic a l w o rk . a s to e n u m e ra te d “ h a z a rd ­ ous” e m p lo y m e n t s except fa rm la b o r . a s to e x c e p te d e m p lo y m e n t .  (Follows p. 15.)   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Voluntary,  No. 4  a s t o a ll w o r k m e n in h a z a rd ­ ous e m p lo y m e n t s e m p lo y e d f o r w a g e s , e x c e p t w h e n e q u iv a ­ le n t s c h e m e s a re in fo r c e . a s t o a ll e m ­ p lo y e e s .  E le c tin g e m p lo y e r s m u s t in s u r e i n S t a t e fu n d .  P re s u m e d in h a z a rd ­ o u s e m p lo y m e n t s in absence of n o tic e p o s te d in e s t a b lis h ­ m e n t a n d f ile d w it h c o m m is s io n .  P re s u m e d in a b s e n c e o f w r i t t e n n o tic e , i f e m p l o y e r e le c ts .  A ssum ed s e r v ic e , u t o r y except w ith p u in ju r y .  r is k , fe llo w a n d c o n tr ib n e g lig e n c e w illfu l a n d r p o s e o f s e lf-  None.  T o t a l d is a b ility (а ) P e r m a n e n t (б ) T e m p o r a r y  (a)  p e r io d  a r is in g o u t o f e m p lo y m e n t , l m is c o n d u c t , la t io n o f la w .  M in i­ a c tu a l  D e a th s D e p e n d e n ts (b ) N o d e p e n d e n ts  (a)  (b)  M e d ic a l a n d s u r g ic a l a id  (a ) 50 p e r c e n t o f w a g e s , fo r n o t o v e r 3 0 0 w e e k s ; m a x im u m , $15.  5 0 p e r c e n t o f w a g e lo s s f o r n o t o v e r 3 0 0 w e e k s ; m a x im u m , $ 1 5 .  R e a s o n a b le m e d ic a l a n d s e r v ic e s f o r 1 4 d a y s .  (a ) B u r ia l e x p e n s e s , m a x im u m , $150; 35 to 60 p e r c e n t o f w a g e s fo r 3 0 0 w e e k s ; m a x im u m , $ 17; m in im u m $ 8 o r a c tu a l w a g e s . ( 6 ) E x p e n s e s o f la s t s ic k n e s s , m a x im u m , $10 0 , a n d b u r ia l e x ­ p e n s e s , m a x im u m , $ 1 5 0 . (a ) B u r ia l e x p e n s e s , m a x im u m , $75; 4 0 to 6 0 p e r c e n t o f w a g e s to d e p e n d e n t w id o w o r w id o w e r f o r 3 0 0 w e e k s ; b a s ic w a g e , m a x i­ m um . $30. ( ) Expenses of b u r ia l, m a x im u m , $75, and m e d ic a l a tte n d a n c e , m a x im u m , $150. (a ) B u r ia l e x p e n s e s , m a x im u m , $ 2 0 0 ; w id o w o r d e p e n d e n t w id ­ o w e r, 30 p e r c e n t o f w a g e s u n til d e a t h o r r e m a r r ia g e ; 1 0 p e r c e n t a d d itio n a l fo r e a c h c h ild ; t o t a l n o t o v e r 6 6 % p e r c e n t; m a x i­ m u m b a s ic w a g e , $ 1 5 0 a m o n t h . (5 ) B u r ia l e x p e n s e s , m a x im u m , $ 2 0 0 , a n d $ 1 ,0 0 0 t o c r e a t e s p e c ia l fu n d s . (a ) B u r ia l e x p e n s e s , m a x im u m , $ 1 5 0 ; 3 5 p e r c e n t o f w e e k ly w a g e s t o w id o w o r d e p e n d e n t w id o w e r u n t i l d e a th o r r e m a r r ia g e ; 10 p e r c e n t a d d itio n a l fo r e a c h c h ild , t o t a l n o t o v e r 6 6 % p e r c e n t ; b a s ic w a g e , m a x i m u m , $ 3 0 , m in im u m , $ 1 8 , n o c o m p e n s a t io n to e x c e e d w a g e s . (6 ) B u r ia l e x ­ p e n s e s , m a x i m u m , $ 1 .5 0 . (a ) B u r ia l e x p e n s e s , m a x im u m , $150; 6 6 % p e r c e n t o f w a g e s fo r 8 y e a r s ; m a x i m u m , $ 1 8 .7 5 ; t o t a l n o t o v e r $ 6 ,5 0 0 n o r le s s t h a n $ 2 ,0 0 0 . (b ) B u r ia l expenses, m a x im u m , $150.  (a ) 6 6 % p e r c e n t o f w a g e s fo r 400 w e e k s ; m a x im u m , $ 1 7 ; m in i­ m u m , $8, o r a c tu a l w a g e s . (6 ) 6 6 % p e r c e n t o f w a g e s, fo r n o t o v e r 3 0 0 w e e k s ; m a x im u m , $ 1 7 ; m in im u m , $8, o r a c tu a l w a g e s .  6 6 % p e r c e n t o f w a g e s f o r p e r io d s p r o p o r tio n e d t o d is a b ilit y , fo r n o t o v e r 500 w e e ks. S p e c ifie d in ­ ju r ie s , 6 6 % p e r c e n t o f w a g e s fo r fix e d p e r io d s ; m a x im u m , $17; m in im u m , $ 8 , o r a c tu a l w a g e s ; a il in a d d itio n to te m p o r a r y to ta l. I f p e r m a n e n t , c o m p e n s a tio n m e a s ­ u re d b y e x te n t o f d is a b ility . S p e c ifie d in ju r ie s , 5 0 p e r c e n t o f w a g e s f o r fix e d p e r io d s , i n a d d i­ t io n to t e m p o r a r y t o t a l; m a x i­ m u m , $1 2 ; m in im u m , $6 o r a c tu a l w a g e s . D is fig u r e m e n t, m a x im u m , $500. 6 6 % p e r c e n t o f w a g e lo s s ; t o t a l n o t o v e r $ 3 ,5 0 0 i f t e m p o r a r y . S p e c i­ fie d in ju r ie s , 6 6 % p e r c e n t o f w a g e s f o r fix e d p e r io d s , p lu s f ix e d h e a l­ in g t im e i n c e r t a in c a s e s ; m a x i­ m u m , $ 2 0 ; m in im u m , $ 8 , o r a c tu a l w a g e s . D is fig u r e m e n t, m a x im u m , $ 3 ,5 0 0 .  B u r ia l e x p e n s e s , m a x im u m , $ 1 0 0 ; w id o w o r in v a lid w id o w e r , $ 3 0 a m o n th u n t il d e a th o r re ­ m a r r ia g e ; $ 8 f o r e a c h c h ild u n d e r 16; m o n t h ly m a x im u m $ 5 0 . (6 ) B u r ia l expenses, m a x im u m ,  $ 100.  1 Not provided for in compensation law  (a)  N o p r o v is io n .  N o t ic e a s s o o n a s p r a c tic a b le a n d b e fo r e le a v in g s e r v ic e ; c la im in 6 m o n th s .  R e a s o n a b le m e d ic a l a n d h o s p it a l s e r v ic e ; m a x im u m , $100; in c a s e s r e q u ir in g u n u s u a l t r e a t ­ m e n t b u re a u m a y in c r e a s e a m o u n t ; s p e c ia l o p e r a t in g fe e o f $ 1 5 0 i n c a s e o f h e r n ia .  N o p r o v i s i o n ...............................  R e a s o n a b le m e d ic a l, s u r g ic a l, a n d h o s p it a l s e r v ic e m a x im u m , $ 1 5 0 , u n le s s t h e r e is a h o s p it a l f u n d ; s p e c ia l o p e r a t in g fe e o f $ 7 5 i n c a s e o f h e r n ia .  E x c lu d e d .  N o tic e in 14 d a y s ; 3 0 d a y s , e x c e p t a s e m p lo y e r is p r e ­ ju d ic e d ; b a r a b s o lu t e a f t e r 9 0 d a y s ; c la im in 1 y e a r . N o tic e of o c c u p a t io n a l d is e a s e i n 5 m o n t h s a f t e r la s t e x p o s u re . N o tic e in 14 d a y s ; i f p r e ­ v e n te d , n o t la te r t h a n 6 0 days. C la im in 6 0 d a y s a fte r c o m p e n s a tio n re ­ fu s e d ; 1 y e a r in c a s e o f d e a th .  S u c h m e d ic a l, s u r g ic a l, a n d h o s ­ p it a l s e r v ic e a s n a t u r e o f i n j u r y r e q u ir e s . C h a r g e s lim ite d to p r e v a ilin g r a te s .  W id o w , c h ild r e n , a n d d e p e n d e n t p a re n ts o n ly ; m a y b e c o m ­ m u te d a t o n e - h a lf p re s e n t w o rth .  N o tic e o f i n j u r y in 3 0 d a y s , d e a t h i n 3 0 d a y s u n le s s e x c u s e d f o r c a u s e ; c la im in l y e a r.  I f te m p o ra ry , 6 6 % p e r c e n t o f w a g e lo s s ; m a x i m u m , $ 2 0 . I f p e r m a n e n t , f o r fix e d p e r io d s a c c o r d in g to s c h e d u le o f p e r c e n ta g e o f d is a ­ b ility . D is fig u r e m e n t c o m p e n ­ s a te d .  S u c h m e d ic a l, s u r g ic a l, a n d h o s ­ p it a l s e r v ic e a s t h e n a t u r e o f t h e i n j u r y r e q u ir e s .  N o p r o v is io n .  C la im in 6 0 d a y s ; 1 y e a r if r e a s o n a b le c a u s e s h o w n .  (a ) 6 6 % p e r c e n t o f w a g e s fo r life ; m a x im u m , $ 1 8 .7 5 ; m i n i m u m , $5, o r a c tu a l w a g e s . (6 ) 6 6 % p e r c e n t o f w a g e s fo r n o t o v e r 6 y e a r s ; m a x i m u m , $ 1 8 .7 5 ; m i n i ­ m u m , $5, o r a c tu a l w a g e s ; to ta l n o t o v e r $ 3 ,7 5 0 . (a ) 6 6 % p e r c e n t o f w a g e s fo r 500 w e e k s ; m a x im u m , $ 1 8 ; m in i­ m u m $8, o r a c tu a l w a g e s . (6 ) 6 6 % p e r c e n t o f w a g e s , fo r n o t o v e r 3 0 0 w e e k s ; m a x im u m , $ 1 8 ; m in im u m , $8, o r a c tu a l w a g e s .  6 6 % p e r c e n t o f w a g e lo s s ; m a x i­ m u m $ 1 8 .7 5 ; t o t a l n o t o v e r $ 3 ,7 5 0 . S p e c ifie d in ju r ie s , 6 6 % p e r c e n t o f w a g e s f o r f ix e d p e r io d s i n a d d i­ t io n to te m p o r a r y t o t a l; m a x i­ m u m , $ 1 8 .7 5 . D i s f i g u r e m e n t , n o t o v e r $ 3 ,7 5 0 . 6 6 % p e r c e n t o f w a g e lo s s f o r n o t o v e r 300 w e e ks. S p e c ifie d in ­ ju r ie s , 6 6 % p e r c e n t o f w a g e s fo r fix e d p e r io d s ; m a x im u m , $18; m in im u m , $ 8 , o r a c tu a l w a g e s . D i s f i g u r e m e n t , m a x i m u m , $ 3 ,0 0 0 .  S u c h m e d ic a l a n d h o s p it a l s e r v ic e a s c o m m is s io n d e e m s p r o p e r ; m a x im u m , $ 2 0 0 , e x c e p t in u n ­ u s u a l cases.  I n c lu d e d .  C la im  F a t a l a c c id e n t s c o v e re d .  ( a ) $ 3 0 a m o n t h i f s in g le , $ 3 5 i f d e p e n d e n t s p o u s e , $ 8 fo r e a c h c h ild ; m o n t h ly m a x im u m , $ 5 0 . (6 ) 4 0 to 6 6 % p e r c e n t o f w a g e s a c c o r d in g to n u m b e r of de­ p e n d e n ts , m a x im u m $ 9 7 ; m in i­ m u m $ 30, o r f u ll w a g e s , a ll to c o n tin u e d u r in g d is a b ilit y .  If  N e c e s s a r y m e d ic a l, s u r g ic a l, a n d h o s p it a l s e r v ic e m a x im u m , $ 1 0 0 ; p e r io d and a m o u n t m a y b e in c r e a s e d a t d is c r e tio n o f c o m m is s io n ; c h a rg e s lim ite d to p r e v a ilin g ra te s . S p e c ia l p r o v is io n f o r h e r n ia . M e d ic a l, s u r g ic a l, a n d h o s p it a l s e r v ic e and tr a n s p o r ta tio n ; m a x im u m , $250; c o m m is s io n m a y a l l o w a d d i t i o n a l s e r v ic e .  (a ) (6 ) 5 0 p e r c e n t o f w a g e s fo r n o t o v e r 5 2 0 w e e k s ; m a x im u m , $ 1 2 ; m in im u m , $ 6 , o r a c tu a l w a g e s .  b  (a)  (a)  B y w h o m a d m in is te r e d (b ) H o w c la im s a r e s e ttle d  T im e f o r n o tic e a n d c la im  ( a ) 6 6 % p e r c e n t o f w a g e s f o r lif e ; m a x im u m , $ 2 0 ; m in im u m , $ 8 , o r f u ll w a g e s . (6 ) 6 6 % p e r c e n t o f w a g e s d u r in g d is a b ilit y ; m a x i­ m u m , $2 0 ; m in im u m , $8, o r f u ll w a g e s ; t o t a l n o t o v e r $ 3 ,5 0 0 .  (a)  (b ) 6 6 % p e r c e n t o f w e e k ly w a g e s d u r in g d is a b ilit y ; m a x i­ m u m , $2 0 ; m in im u m , $ 6 , o r a c tu a l w a g e s .  A c c id e n t r e p o r t s r e q u ir e d  P a r t ia l d is a b ility  1 5 0 t im e s w e e k ly e a r n in g s ; t o t a l n o t o v e r $ 3 ,0 0 0 . ( 6 ) E x ­ p e n s e s o f m e d ic a l a tt e n d a n c e a n d b u r ia l; m a x im u m , $ 1 0 0 .  F a t a l a c c i d e n t s n o t c o v e r e d ____________  N o n r e s id e n t a lie n b e n e fic ia r ie s  t e m p o r a r y , b e n e fits p r o p o r t io n ­ a te to th o s e fo r t o t a l d is a b ilit y fo r n o t o v e r 2 y e a rs . S p e c ifie d p e r m a n e n t in ju r ie s , $ 2 5 a m o n t h f o r f ix e d p e r io d s , i n a d d it io n t o t e m p o r a r y t o ta l; o th e r s in p r o ­ p o r tio n , b u t n o t o v e r 9 6 m o n th s .  h o s p ita l  for 10 days:  for 60 days;  n o t  P a re n ts , spouse, or c h ild o n ly , u n le s s tr e a ty to c o n tra ry .  C o u r t s , (b ) V o lu n t a r y a g r e e m e n t, o r b y a c tio n in e q u it y b e fo r e s u p e r io r c o u rt.  C la im fo r d is a b ility in m o n th s ; d e a th , 1 y e a r.  D e p a r t m e n t o f la b o r , (b ) V o lu n ­ ta r y a g re e m e n t a p p ro v e d b y d e ­ p a r t m e n t ; d is p u te d c a s e s s e ttle d b y d e p a r t m e n t o r re fe re e ; a p p e a l t o c o u rts .  (a)  C o u r t s , (b ) B y in t e r e s t e d p a r t ie s ; d is p u t e d c a s e s s e t t le d b y d is t r ic t c o u rt. A p p e a l to s u p re m e c o u rt.  ( a ) I n d u s t r ia l c o m m is s io n , (b ) C la im s u b m it t e d t o e m p lo y e r o r c o m m is ­ s io n e r a f t e r 7 d a y s a f t e r in j u r y ; h e a r in g b y c o m m is s io n e r o r b o a r d o n re q u e s t; a p p e a l to c o u r t u p o n q u e s tio n s o f la w .  (a)  W o rk m (b ) B u r e m in e a ll d ic tio n ;  e n ’s c o m p e n s a tio n b u r e a u , a u h a s f u ll p o w e r to d e te r­ q u e s t io n s w i t h i n it s j u r i s ­ a p p e a l to c o u rts .  (a)  I n d u s t r ia l c o m m is s io n , (b ) C o m ­ m is s io n d e te r m in e s a ll q u e s tio n s w it h in its ju r is d ic t io n ; a p p e a l to c o u rt.  in 2 y e a rs .  N o tic e in 3 0 d a y s ; c la im 1 y e a r.  (a)  in  3  (a ) I n d u s t r ia l c o m m is s io n , (b ) V o lu n ­ t a r y a g re e m e n t, a fte r 5 d a y s , a p ­ p ro v e d b y c o m m is s io n ; d is p u t e d c a se s m a y b e s u b m itte d to a r b it r a ­ t io n c o m m it t e e , o r c o m m is s io n m a y a c t; a p p e a l t o c o u r ts .  (a)  I n d u s t r ia l a c c id e n t c o m m is s io n , (b ) C o m m is s io n s e ttle s a ll q u e s tio n s ; a p p e a l to c o u rts .  A c c id e n t - p r e v e n tio n w o r k b y— C o m p e n s a tio n c o m m is s io n , (b ) O t h e r a g e n c ie s  (a)  State  A l l e m p lo y e r s s u b je c t t o a c t m u s t m a k e s u c h r e p o r ts t o c o m m is ­ s io n e r o f la b o r a s r e q u ir e d b y h im .  (a ) N o c o m m is s io n , B u r e a u o f la b o r .1  E m p lo y e r s m u s t m a k e im m e d ia t e r e p o r t t o d e p a r t m e n t o f a l l a c c i­ d e n t s a n d o c c u p a t io n a l d is e a s e s .!  ( a ) D e p a r t m e n t o f la b o r , (b ) N o p r o v is io n .  N e w J e rs e y .  N o p r o v is io n .  (a ) N o p r o v is io n , (b ) M in e in s p e c to r .1  N e w  A l l e m p lo y e r s m u s t r e p o r t a l l a c c i­ d e n ts t o in d u s t r ia l c o m m is s io n w i t h i n 1 0 d a y s ; c o m m is s io n m a y r e q u ir e a n y in f o r m a t io n .  ( a ) I n d u s t r ia l c o m m is s io n , (b ) N o p r o v is io n .  N e w Y o rk .  A l l e m p lo y e r s a c c id e n t s t o w eek.  m u s t r e p o r t a ll b u re a u w ith in 1  (a ) W o r k m e n ’s c o m p e n ­ s a tio n b u r e a u , (b ) N o p r o v is io n .  N o r th D a k o ta .  A l l e m p lo y e r s m u s t r e p o r t a l l a c c i­ d e n ts t o in d u s t r ia l c o m m is s io n w ith in 1 w e e k .  ( a ) I n d u s t r ia l c o m m is s io n , (b ) N o p r o v is io n .  Ohio.  A l l e m p lo y e r s m u s t r e p o r t d e n ts t o in d u s tr ia l c o m w ith in 10 d a y s o r re a t im e ; c o m m is s io n m a y a n y in f o r m a t io n .  a l l a c c i­ m is s io n s o n a b le r e q u ir e  ( o ) N o p r o v is io n , (b ) D e ­ p a r tm e n t o f la b o r ;1 in ­ s p e c to r s o f m in e s , o il, a n d g a s .1  O k la h o m a .  A l l e m p lo y e r s m u s t r e p o r t a l l a c c i­ d e n ts to in d u s tr ia l a c c id e n t c o m m is s io n a t o n c e .  (a ) I n d u s tr ia l a c c id e n t c o m m is s io n , (b ) B u r e a u o f la b o r s t a t is t ic s . 1  O re g o n .  (b )  N e w H a m p ­ s h ir e .  M e x ic o .  PRINCIPAL FEATURES OF LAWS OF THE UNITED STATES RELATIVE TO WORKMEN’ S COMPENSATION AND INSURANCE—Continued  In s u ra n c e  S ta te P u b lic  P r iv a te  P e n n s y lv a n ia . N o . 338. A p ­ p r o v e d J u n e 2 , 1 9 1 5 . I n e ffe c t Jan. 1916. A m e n d e d , each s e s s io n .  f,  P o r t o R ic o . N o . 19. A p p ro v e d A p r . 1 3 , 1 9 1 6 . I n e fle c t J u ly 1, 1916. A m e n d e d , 1917. N e w a c t, N o . 10, 1 9 1 8 ; am ended, 1919, 1921.  R hod e Is la n d . C h. 831. A p ­ p r o v e d A p r . 2 9 , 1912. I n e ffe c t O c t. 1, 1912. A m e n d e d , 1913, 1915, 1917, 1919, 1921.  S o u th D a k o ta . O h . 376. A p ­ p ro v e d M a r. 10, 1917. In e ffe c t J u n e 1, 1 9 1 7 . A m e n d e d , e a c h s e s s io n .  Tennessee. C h . 123. A p p ro v e d A p r . 15 , 19 1 9 . I n e ffe c t J u ly 1, 1919. A m e n d e d , 1923.  Elective,  Com pulsory,  Com pulsory,  Com pulsory,  a s to a ll e m p lo y m e n t s e x c e p t f a r m la b o r , d o m e s t ic s e r v ic e , c a s u a l e m p lo y e e s n o t i n u s u a l c o u r s e o f e m p lo y e r ’s b u s in e s s , and o u t­ w o rk e rs .  a s t o a ll e m p lo y m e n t s e x c e p t f a r m la b o r n o t w o r k in g w it h m e c h a n ic a l o r a n im a l p o w e r m a ­ c h in e r y o r h a z a r d o u s to o ls , d o m e s ­ t ic s e r v ic e , n o n h a z a r d o u s c le r ic a l o c c u p a t io n s , a n d e m p lo y e e s r e c e iv ­ in g m o r e t h a n $ 1 ,5 0 0 a y e a r .  Elective,  a s to a ll e m p lo y m e n t s e x c e p t t h o s e p a v i n g le s s t h a n 6 e m p lo y e e s , f a r m la b o r , d o m e s t ic s e r v ic e , c a s u a l e m p lo y e e s n o t i n u s u a l c o u r s e o f e m ­ p lo y e r ’s b u s in e s s , a n d e m p lo y e e s r e c e iv in g o v e r $ 1 ,8 0 0 a y e a r . a s t o e x c e p te d e m p lo y m e n t s . a s to a ll e m p lo y m e n t s e x c e p t f a r m a n d d o m e s t ic s e r v ic e a n d e m ­ p lo y e e s n o t i n u s u a l c o u r s e o f e m ­ p lo y e r ’ s b u s in e s s . as t o t h r e s h in g g r a in .1 as t o e x c e p te d e m p lo y m e n t s .  Vol­  untary, Elective,  a s t o a ll e m p lo y e e s , in c lu d ­ in g p u b lic c o n tr a c ­ to rs .  as to e m ­ p lo y e e s e n g a g e d o n p u b lic w o rk s p e r­ fo r m e d b y a d m in is ­ t r a t i o n u n d e r d ir e c ­ tio n o f g o v e rn m e n t, and m e m b e rs of m u n ic ip a l fir e c o rp s . a s to e m ­ p lo y e e s of S ta te . as to e m ­ p lo y e e s o f c it ie s a n d t o w n s , e x c e p t f ir e a n d p o lic e d e p a r t ­ m e n ts . a s t o a ll e m p lo y e e s .  Com pulsory, Elective, Compulsory,  Com pulsory, Voluntary,  Elective,  a s t o a ll e m p lo y m e n t s e x c e p t t h o s e e m p lo y in g le s s t h a n 5 e m p lo y e e s , fa rm la b o r , d o m e s tic s e r v ic e , a n d c a s u a l e m p lo y e e s ( n o t in u s u a l c o u r s e o f e m p lo y e r ’s b u s i­ n e s s ). as to e m p lo y ­ m e n t s h a v i n g le s s t h a n 5 e m p lo y e e s .  Voluntary,  a s to S ta te a n d s u b d iv is io n s ,  Voluntary,  Texas. C h . 179. A p p ro v e d A p r . 16. 1913. I n e ffe c t S e p t. 1, 1913. A m e n d e d , 1917, 1921, 1923.  U ta h . C h. 100. A p p ro v e d M a r . 15 , 191 7 . I n e ffe c t J u ly 1, 1 9 1 7 . A m e n d e d , e a c h s e s s io n .  Elective,  N o p r o v is io n .  Com pulsory,  Com pulsory,  a s t o a ll e m p lo y m e n t s e x c e p t t h o s e h a v i n g le s s t h a n 3 e m p lo y e e s , fa rm and r a n c h la b o r , d o m e s tic s e r v ic e , r a ilw a y s u s e d a s c o m m o n c a r r ie r s , a n d e m p lo y e e s n o t i n u s u a l c o u r s e o f e m p lo y e r ’s b u s in e s s .  a s to a ll e m p lo y m e n t s e x c e p t t h o s e h a v i n g le s s t h a n 3 e m ­ p lo y e e s , f a r m la b o r , d o m e s t ic s e r v ­ ic e , c a s u a l e m p lo y e e s n o t i n u s u a l c o u r s e o f e m p lo y e r ’s b u s in e s s . a s t o e x c e p te d e m p lo y m e n t s .  untary, 1 9 6 4 5 °— 2 4 f.  ( F o llo w s p . 1 5 .)   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  N o . 5  Vol­  C o m p e n s a t io n b e n e fits  H o w e le c t io n is m a d e  E m p lo y m e n ts c o v e re d  em p e le c th o s s a la  a s t o a ll lo y e e s , except t iv e o ffic ia ls o r e r e c e iv in g a r y o v e r $ 2 ,4 0 0 .  E le c tin g e m p lo y e r s m u s t in s u r e in S ta te fu n d o r p r iv a te c o m ­ p a n ie s o r p r o v id e s e lf- in s u r a n c e .  B y e m p lo y e r  B y e m p lo y e e  P re s u m e d in a b se n c e o f n o tic e p o s te d in e s ta b lis h m e n t,g iv e n e m p lo y e e , a n d f ile d w ith c o m p e n s a tio n b u re a u .  P re s u m e d in a b se n c e o f w r it t e n n o tic e t o e m p lo y e r a n d f ile d w ith c o m p e n s a t io n b u re a u .  D e fe n s e s a b ro g a te d if e m p lo y e r d o e s n o t e le c t  A s s u m e d r is k , fe llo w s e r v ic e , and con­ t r i b u t o r y n e g lig e n c e u n le s s d u e t o in ­ to x ic a tio n o r re c k ­ le s s n e s s . A b ro g a ­ tio n d o e s n o t d e p e n d u p o n r e je c t io n o f a c t.  E m p lo y e r s m u s t in ­ s u re in S ta te fu n d .  S u its fo r dam ages a fte r e le c tio n b y b o t h e m p lo y e r a n d e m p lo y e e  prs r  S p e c ia l c o n t r a c t s  W a itin g tim e  Injuries covered  P er cent o f wages  M a x im u m a n d m in im u m w e e k ly c o m p e n s a t io n p a y m e n ts  M a x im u m  (b)  ( a ) B y w h o m a d m in is t e r e d H o w c la im s a r e s e ttle d >  (b)  T im e f o r n o t ic e a n d c la im  D e a th , 15 to 6 0 p e r c e n t. D is a b ilit y , 60 p e r c e n t.  D e a t h : B a s ic w a g e , m a x i­ m u m , $20; m in im u m , $10. D is a b ility : M a x i­ m u m , $ 1 2 ; m in im u m , $ 0, o r a c tu a l w a g e s .  D e a th , 300 w e e k s . T o ta l d is a b ility , 500 w eeks. P a r t ia l d is a b ility , 30 0 w eeks.  (a ) E x p e n s e s o f b u r ia l, m a x i­ m u m , $ 1 0 0 ; 15 to 6 0 p e r c e n t o f w a g e s f o r 3 0 0 w e e k s ; b a s ic w a g e , m a x im u m , $ 2 0 ; m in im u m , $ 1 0 . (b ) E x p e n s e s o f b u r ia l, m a x i­ m u m , $100.  (a ) 6 0 p e r c e n t o f w a g e s fo r n o t o v e r 5 0 0 w e e k s ; m a x im u m , $12; m in im u m , $6, o r a c tu a l w a g e s ; t o t a l n o t o v e r $ 5 ,0 0 0 .  6 0 p e r c e n t o f w a g e lo s s f o r n o t o v e r 3 0 0 w e e k s ; m a x im u m , $ 1 2 . S p e c i­ fie d in ju r ie s , 6 0 p e r c e n t o f w a g e s f o r fix e d p e r io d s ; m a x im u m , $ 1 2 ; m in im u m , $6, o r a c tu a l w a g e s . D is fig u r e m e n t, 6 0 p e r c e n t o f w a g e s, n o t o v e r 150 w e e k s .  R e a s o n a b le m e d ic a l, s u r g ic a l, a n d h o s p it a l s e r v ic e m a x im u m , $ 1 0 0 , e x c e p t in h o s ­ p ita l cases. C h a rg e s lim ite d to p r e v a ilin g ra te s .  T w o - th ir d s b e n e fits ; to w id o w s a n d c h il­ d re n o n ly .  N o tic e in 1 y e a r.  P e r m i t t e d I f i n j u r y is c a u s e d b y ille g a l a c t o r g r o s s n e g lig e n c e o f e m p lo y e r .  N o provision.  N one  T e m p o r a r y t o t a l d is ­ a b ility , 5 0 p e r c e n t.  T e m p o r a r y t o t a l d is a b il­ ity : M a x im u m , $12; m in im u m , $3.  T e m p o ra ry to ta l it y , 104 w e e k s .  (a ) C o m p e n s a tio n p r o p o r tio n e d to e a r n in g c a p a c ity , n u m b e r and n e e d s o f d e p e n d e n ts o f deceased; m a x im u m , $ 4 ,0 0 0 ; m in im u m , $ 2 ,0 0 0 . N o p r o v is io n .  p e r m a n e n t , c o m p e n s a t io n p r o ­ p o r tio n e d to d e g re e o f d is a b ilit y a n d r a te o f w a g e s in a d d itio n to te m p o ra ry t o ta l; m a x im u m , $ 2 ,5 0 0 .  N e c e s s a ry m e d ic a l a tte n d a n c e a n d s u s te n a n c e a s p r e s c r ib e d b y c o m m is s io n .  N o p r o v i s i o n _________________  C la im m u s t b e d a y s , 120 d a y s t o ig n o r a n c e o o f c la im a n ts ’ c  A p p r o v e d s c h e m e s p e r m it­ te d i f b e n e fits e q u a l th o s e o f a c t; w a iv e r s fo r b id d e n .  ( a ) C o m p e n s a t io n p r o p o r t io n e d to a g e a n d r a te o f w a g e s ; m a x i­ m u m , $ 4 ,0 0 0 ; m i n i m u m , $ 2 ,0 0 0 ; i f d u e t o d is e a s e , m a x i m u m , $ 3 ,0 0 0 , m i n i m u m , $ 1 ,0 0 0 . (6 ) 5 0 p e r c e n t o f w a g e s d u r in g d is ­ a b ility , fo r n o t o v e r 104 w e e k s ; m a x im u m , $ 1 2 ; m in im u m , $ 3 . (a ) ( 50 p e r c e n t o f w a g e s fo r n o t o v e r 5 0 0 w e e k s ; m a x im u m , $1 6 ; m in im u m , $ 7 ; t o t a l n o t o v e r $ 5 ,0 0 0 .  If  P e r m it t e d i f e m p lo y e r f a ils t o in s u r e r is k -  P e r s o n a l in ju r ie s b y a c c id e n t o r s ic k n e s s o c c u r r in g d u r in g a n d b e c a u s e o f e m p lo y m e n t , u n le s s d u e t o in t e n t t o c o m m it a c r im e , t o in ju r e o n e ’s s e lf o r a n o th e r , to in to x ic a t io n , th e w illf u l c r im ­ in a l a c t o f a n o t h e r , o r s o le ly t o g r o s s n e g lig e n c e . P e r s o n a l in ju r ie s b y a c c id e n t a r is ­ in g o u t o f a n d in c o u rs e o f e m ­ p lo y m e n t , u n le s s d u e t o w i l l f u l in t e n t t o in ju r e s e lf o r a n o th e r , o r in to x ic a t io n .  5 0 p e r c e n t o f w a g e lo s s f o r n o t o v e r 3 0 0 w e e k s ; m a x i m u m , $ 1 0 . S p e c i­ fie d in ju r ie s , 5 0 p e r c e n t o f w a g e s f o r f ix e d p e r io d s i n d t id it io n t o a ll o t h e r c o m p e n s a tio n ; m a x im u m , $1 0 ; m in im u m , $4.  R e a s o n a b le m e d ic a l a n d h o s p it a l s e r v ic e m a x im u m , $ 2 0 0 , in c lu d in g b u r ia l, in fa ta l c a s e s in v o lv in g n o d e p e n d e n ts .  N o p r o v i s i o n ............................  N o t ic e i n 3 0 d a y s ; c la im l y e a r.  e c e s s a r y m e d ic a l, s u r g ic a l, a n d h o s p it a l s e r v ic e m a x im u m , $ 1 5 0 .  for IS weeks;  E x c l u d e d - .......................................  N o t ic e i n 3 0 d a y s u n le s s e x c u s e d fo r c a u s e ; c la im in 1 y e a r.  e a s o n a b le m e d ic a l, s u r g ic a l a n d h o s p it a l s e r v ic e lo n g e r a t o p t io n o f e m p lo y e r ; m a x im u m , $ 1 0 0 ; c h a rg e s lim it e d to p r e v a ilin g ra te s .  for SO days,  I n c l u d e d . . ......................................  e d ic a l a n d h o s p it a l T w o w eeks in c a se s r e q u ir in g f in e m e n t . C h a rg e s r e v a ilin g ra te s .  d is a b il­  (b)  1 w e e k . N o n e i f d is ­ a b ilit y c o n tin u e s fo r m o re th a n 4 w e e k s .  5 0 p e r c e n t .....................................  T o t a l d is a b ility : M a x i ­ m u m , $1 6 , m in im u m , $7. O th e rs : M a x im u m $1 0 ; m in im u m , $4.  D e a th , 300 w e e k s . T o ta l d is a b ility , 500 w e e k s . P a r t ia l d is a b ility , 3 0 0 w eeks.  P re s u m e d in a b se n c e o f W r it t e n n o t ic e t o e m p lo y e r a n d file d w i t h c o m m is s io n e r .  A s s u m e d r is k , f e llo w s e r v ic e , and con­ t r i b u t o r y n e g lig e n c e .  P r o b a b ly p e r m it t e d i f e m p lo y e r fa ils t o in s u r e r is k .  A p p ro v e d s u b s t i t u t e schem es p e r m itte d ; w a iv e r s f o r b id d e n .  P e r s o n a l in ju r ie s b y a c c id e n t a r is ­ in g o u t o f a n d in c o u rs e o f e m ­ p lo y m e n t , u n le s s d u e t o w i l l f u l m is c o n d u c t , in t o x ic a t io n , f a il­ u r e to u s e s a fe g u a rd s , v io la t io n o f la w , o r in t e n t io n a lly s e lfin f lic t e d .  1 0 d a y ’s . N o n e i f d is ­ a b ilit y c o n tin u e s fo r 6 w e e k s o r m o re , o r u p h y s ic ia n c e r ti­ fie s d i s a b i l i t y .  T o t a l d is a b ility , 55 p e r c e n t. P a r tia l d is a b ility , 50 per c e n t.  P e rm a n e n t to ta l d is ­ a b ilit y : M a x im u m , $15; m i n i m u m , $ 7 .5 0 . O th e rs : M a x im u m , $15; m in im u m , $ 7 .5 0 , or a c tu a l w a g e s .  T o t a l d is a b ilit y , d u r in g it s c o n tin u a n c e . P a r t ia l d is a b ilit y , 3 1 2 w e e k s .  E le c tin g e m p lo y e r s m u s t in s u r e in p r i­ v a t e c o m p a n ie s o r p r o v id e s e lf- in s u r ­ a n c e ; S ta te fu n d fo r c o a l m in in g .  P re s u m e d in a b se n c e o f n o t ic e p o s te d in e s ta b lis h m e n t a n d file d w i t h b u r e a u o f w o r k s h o p a n d fa c ­ t o r y in s p e c tio n .  P re s u m e d in a b s e n c e o f n o tic e to e m p lo y e r a n d b u re a u o f w o rk ­ shop and fa c to ry in s p e c t io n .  A s s u m e d r is k , f e llo w s e r v ic e , and con­ t r i b u t o r y n e g lig e n c e .  P e r m it t e d i f e m p lo y e r fa ils t o in s u r e r is k .  Waivers forbidden.  *  D e a th , 20 to 50 p e r c e n t. D is a b ilit y , 5 0 p e r c e n t.  M a x im u m , $15; m in im u m , $ 5 , o r a c tu a l w a g e s .  D e a th , 400 w e e k s . P e r­ m a n e n t t o t a l d is a b ility , 550 w e e k s . O th e rs , 300 w eeks.  E le c tin g e m p lo y e r s m u s t in s u r e in T e x a s E m p lo y e r s ’ In s u r­ a n c e A s s o c ia tio n o r o th e r p r iv a te c o m ­ p a n ie s .  B y s u b s c r ib in g to S t a t e a s s o c ia t io n o r in s u r in g in o th e r c o m p a n y a n d n o ti­ f y in g e m p lo y e e s a n d i n d u s t r ia l a c c id e n t b o a rd .  P re s u m e d in a b se n c e o f w r i t t e n n o t ic e t o e m p lo y e r .  A s s u m e d r is k , fe llo w s e r v ic e , and con­ t r i b u t o r y n e g lig e n c e , u n le s s w i l l f u l o r d u e to in to x ic a t io n .  P e r s o n a ] in ju r ie s b y a c c id e n t a r is in g o u t o f a n d in c o u rs e o f e m ­ p lo y m e n t , u n le s s d u e t o w i l l f u l m is c o n d u c t , in t e n t io n a l s e lfin f lic t e d i n ju r y , in t o x ic a t io n , o r w illf u l fa ilu r e t o u s e s a fe ty a p ­ p lia n c e s , o r p e r f o r m s t a t u t o r y d u tie s . P e rs o n a l in ju r ie s s u s ta in e d in c o u r s e o f e m p lo y m e n t u n le s s d u e to w illf u l in t e n t to in ju r e s e lf o r a n o t h e r , in t o x ic a t io n , act o f Q od , o r caused b y act o f t h ir d p a r ty fo r p e rs o n a l re a s o n s .  P e r s o n a l in ju r ie s b y a c c id e n t a r is ­ in g o u t o f o r in c o u r s e o f e m ­ p lo y m e n t, e x c e p t th o s e P u r" P 0 8 * ^ s e lf- in flic te d .  3 days  s u re in S ta te fu n d o r p r iv a te c o m p a n ie s o r p r o v id e s e lf - in ­ s u ra n c e .  P a r t ia l d is a b ility  N o n r e s id e n t a lie n b e n e fic ia r ie s  10 d a y s  P re s u m e d in a b se n c e o f w r i t t e n n o tic e t o e m p lo y e e s a n d f ile d w i t h c o m m is s io n e r .  E le c tin g e m p lo y e r s m u s t in s u r e in p r i­ v a t e c o m p a n ie s o r p r o v id e s e lf- in s u r ­ ance.  w ith of  (а )  M e d ic a l a n d s u r g ic a l a id  P e r s o n a l in ju r ie s b y a c c id e n t in c o u r s e o f e m p lo y m e n t , u n le s s in t e n t io n a lly s e lf - in f lic t e d , or d u e to in te n tio n a l a c t o f t h ir d p a r t y fo r re a s o n s n o t c o n n e c te d w it h th e e m p lo y m e n t .  A s s u m e d r is k , fe llo w s e r v ic e , and con­ t r i b u t o r y n e g lig e n c e .  W r itin g file d c o m m is s io n e r la b o r .  T o t a l d is a b ility P e rm a n e n t (б ) T e m p o r a r y  Waivers forbidden  P e r m itte d i f e m fa ils to in s u r e  P re s u m e d in a b se n c e o f w r i t t e n n o t ic e t o e m p lo y e r , c o p y to b e file d w it h c o m ­ m is s io n e r o f la b o r .  E le c tin g e m p lo y e r s m u s t in s u r e i n p r i­ v a t e c o m p a n ie s o r p r o v id e s e lf- in s u r ­ ance.  (a) (b)  p e r io d  D e a th s D e p e n d e n ts N o d e p e n d e n ts  P e r m it t e d i f e m p lo y ­ e r ’s w i l l f u l o r g ro s s n e g lig e n c e causes d e a th ; d a m a g e s , in a d d itio n to com ­ p e n s a tio n , if p a rt of in s u r a n c e p re ­ m iu m s is c h a rte d a g a in s t e m p lo y e e . P e r m itte d if em ­ p lo y e r f a ils to in ­ s u re r is k , o r i f in ju r y is d u e t o e m p lo y e r 's w i l l f u l m is c o n d u c t .  Waivers forbidden  A pp ro ve d substitute schemes permitted if benefits equal those of act; waivers forbidden.  N o n e i f d is ­ a b ilit y c o n tin u e s fo r 6 w e e k s o r m o re .  1 w eek.  6 0 p e r c e n t.  M a x im u m , m u m , $7.  60 p e r c e n t  D e a th : M a m im u m , $16. D is a b ility : M a x im u m , $ 1 6 ; m in im u m , $ 7 , o r a c tu a l w a g e s .  > N o t p r o v id e d  $20;  m in i­  f o r in c o m p e n s a tio n la w .  D e a th , 360 w e e k s . T o ta l d is a b ility , 401 w eeks. P a r t ia l d is a b ility , 30 0 w eeks.  P e r m a n e n t to ta l d is a b ility , life . O th e r s , 3 1 2 w e e k s .  (a)  50 p e r c e n t o f w a g e s fo r 3 0 0 w e e k s ; m a x im u m , $ 1 0 ; m in i­ m u m , $4. Expenses la s t s ic k n e s s a n d b u r ia l, m a x im u m ,  (b)  of  $ 200.  (a)  50 p e r c e n t o f w a g e s to e q u a l 4 t im e s a n n u a l e a r n in g s ; m a x i­ m u m , $ 3 ,0 0 0 ; m i n i m u m , $ 1 ,0 5 0 . B u r ia l e x p e n s e s ; m a x im u m , $150.  (b)  (a)  B u r ia l e x p e n s e s , m a x im u m , $100; 20 to 50 p e r c e n t o f w a g e s fo r n o t o v e r 4 0 0 w e e k s ; m a x i­ m u m , $ 1 5 ; m in im u m , $5, o r a c tu a l w a g e s , B u r ia l e x ­ p e n s e s , m a x im u m , $ 1 0 0 .  (b)  (a ) 6 0 p e r c e n t o f w a g e s fo r 360 w eeks; m a x im u m , $ 2 0 ; m in i­ m u m , $ 7 . (6 ) E x p e n s e s o f la s t s ic k n e s s , a n d f u n e r a l b e n e fit o f $100.  (a)  B u r ia l e x p e n s e s , m a x im u m , $150; 6 0 p e r c e n t o f w a g e s fo r 6 y e a rs ; m a x im u m , $ 1 6 ; to ta l n o t o v e r $ 5 ,0 0 0 n o r le s s t h a n $ 2 ,0 0 0 . B u r ia l e x p e n s e s , m a x im u m , $150; a n d 20 p e r c e n t o f a to ta l d e p e n d e n c y b e n e fit to a s e c o n d in ju r y fu n d .  (b)  b)  (a)  for SO days;  for 8 weeks;  55 p e r c e n t o f w a g e s d u r in g d is a b ility ; m a x im u m , $15, m i n i m u m , $ 7 .5 0 , t o t a l n o t m o r e t h a n d e a th b e n e fits , 55 p e r c e n t o f w a g e s fo r n o t o v e r 6 y e a rs ; w e e k ly m a x im u m , $ 1 5 ; m in im u m , $ 7 .5 0 , or a c tu a l w -a g e s . (a ) 50 p e r c e n t o f w a g e s fo r 400 w e e k s ; m a x im u m , $15; m in i­ m u m , $ 5, o r a c tu a l w a g e s ; n o t o v e r $5 th e r e a fte r fo r 150 w e e k s ; t o t a l n o t o v e r $ 5 ,0 0 0 . ( p e r c e n t o f w a g e s fo r n o t o v e r 300 w eeks; m a x im u m , $15; m in im u m , $5, o r a c tu a l w a g e s . 6 0 p e r c e n t o f w a g e s d u r in g d is a b ilit y , fo r n o t o v e r 401 w eeks; m a x im u m , $ 2 0 ; m in i­ m u m , $7.  5 0 p e r c e n t o f w a g e lo s s f o r n o t o v e r N 6 y e a r s ; m a x i m u m , $ 1 5 . S p e c i­ fie d in ju r ie s , 5 5 p e r c e n t o f w a g e s f o r f ix e d p e r io d s in a d d it io n t o te m p o r a r y t o t a l; m a x im u m , $ 1 5 ; m i n i m u m , $ 7 .5 0 , o r a c t u a l w a g e s . D is fig u r e m e n t, m a x im u m , o n e f o u r t h d e a t h b e n e fits . 5 0 p e r c e n t o f w a g e lo s s f o r n o t o v e r R 3 0 0 w e e k s ; m a x im u m , $ 1 2 ; m in i­ m u m , $ 5 , o r a c t u a l w a g e s . S p e c i­ fie d in ju r ie s , 5 0 p e r c e n t o f w a g e s f o r f ix e d p e r io d s ; o t h e r s p r o p o r ­ tio n a te ; m a x im u m , $12; m in i­ m u m , $ 5 , o r a c tu a l w a g e s . I 6 0 p e r c e n t o f w a g e lo s s f o r n o t o v e r 3 0 0 w e e k s (4 0 1 w e e k s i f p a r t ia l f o llo w s t o t a l d is a b ilit y ) ; m a x i­ m u m , $ 2 0 . S p e c ifie d i n ju r ie s , 6 0 p e r c e n t o f w a g e s f o r f ix e d p e r io d s ; p r o p o r tio n a te fo r o th e r s , in c lu d ­ in g d is f ig u r e m e n t ; m a x im u m , $ 2 0 ; m in im u m , $7.  R e a s o n a b le m s e r v ic e J a d d itio n a l h o s p ita l c o n lim ite d to p  (a ) 60 p e r c e n t o f w a g e s fo r 5 y e a rs ; th e r e a f t e r , 4 5 p e r c e n t f o r lif e ; w e e k ly m a x im u m , $ 1 6 ; m in i­ m u m , $ 7. (6 ) 60 p e r c e n t o f w a g e s fo r n o t o v e r 6 y e a rs ; m a x im u m , $ 1 6 ; m in im u m , $7 , o r a c tu a l w a g e s ; to ta l n o t o v e r $ 5 ,0 0 0 .  6 0 p e r c e n t o f w a g e lo s s f o r n o t o v e r 6 y e a rs ; m a x im u m , $ 1 6 ; t o t a l n o t o v e r $ 5 ,0 0 0 . S p e c ifie d in ju r ie s , 6 0 p e r c e n t o f w a g e s f o r fix e d p e r io d s , i n a d d it io n t o t e m p o r a r y t o t a l; m a x im u m , $ 1 6 . D is fig u r e ­ m e n t o r lo s s o f b o d i l y f u n c t i o n ; m a x im u m , 2 0 0 w e e k s .  R e a s o n a b le s e r v ic e ; m if fo u n d b e n e fit fu of above.  (b)  b) 50  (a) (b)  for weeks.  m e d ic a l a n d h o s p it a l a x im u m , $ 5 0 0 ; m o re n e c e s s a ry ; h o s p ita l n d p e r m itte d in lie u  14 d a y s ; c la im  in  ( a ) W o r k m e n ’s c o m p e n s a tio n b o a r d . (6 ) V o lu n t a r y a g re e m e n t, a fte r 10 days, a p p ro v e d b y b o a r d ; d is ­ p u te d cases s e ttle d b y re fe re e , a p p e a l to b o a rd ; c a se s in v o lv in g a g re e d fa c ts s e t t le d b y b o a r d d ir e c t ; a p p e a l t o c o u r t u p o n q u e s tio n s o f la w .  m a d e in 9 0 i f d e la y d u e r cause o u t o n tr o l.  ( a ) W o r k m e n ’ s r e lie f c o m m is s io n . (6 ) In v e s tig a tio n a n d a w a rd s b y c o m ­ m is s io n ; a p p e a l t o c o u r t .  in  A c c id e n t r e p o r t s r e q u ir e d  A l l s u b s c r ib e r s t o S t a t e f u n d m u s t r e p o r t a ll a c c id e n t s t o w o r k ­ m e n ’ s in s u r a n c e b o a r d w i t h i n 7 d a y s ; c o m m is s io n e r o f in s u r ­ a n c e m a y r e q u ir e in s u r e r s t o f i l e a n n u a l s t a t e m e n t o f lo s s e x p e r ie n c e . A l l e m p lo y e r s ( e x ­ c e p t c a s u a l e m p lo y m e n t s ) m u s t r e p o r t a ll a c c id e n t s o f 2 d a y s ’ d is a b ilit y t o d e p a r t m e n t o f la b o r a n d in d u s t r y w it h in 30 d a v s .1 A l l e m p lo y e r s m u s t r e p o r t a ll a c ­ c id e n ts t o c o m m is s io n w i t h i n 5 days.  A c c id e n t - p r e v e n tio n w o r k b y — (a ) C o m p e n s a tio n c o m m is s io n . (6 ) O th e r a g e n c ie s  (a)  W o r k m e n ’s in s u r a n c e b o a r d a s t o s u b s c r ib e r s to S ta te fu n d . (6 ) D e ­ p a r t m e n t o f la b o r a n d in d u s tr y ;1 d e p a r tm e n t o f m in e s .1  S ta te  P e n n s y lv a n ia .  (a ) N o p r o v is io n . D e p a r tm e n t o f a g r ic u l­ tu r e a n d la b o r .1  (b)  P o r t o R ic o .  ( a ) N o c o m m is s io n . F a c t o r y in s p e c t o r . 1  (5 )  R hod e  (a ) C o u r t s ; c o m m is s io n e r of la b o r e x e r c is e s c e r t a i n f u n c t i o n s , V o l­ u n ta ry a g re e m e n t a p p ro v e d b y c o m ­ m is s io n e r o f la b o r ; d is p u te d e a s e s s e t t le d b y c o u r t ; a p p e a l t o s u p r e m e c o u r t u p o n q u e s tio n s o f la w or e q u ity . ( a ) I n d u s t r ia l c o m m is s io n e r . (6 ) V o l ­ u n ta ry a g re e m e n t a p p ro v e d b y c o m m is s io n e r ; d is p u t e d c a s e s s e t­ tle d b y a r b itr a tio n c o m m itte e ; r e v ie w b y c o m m is s io n e r ; a p p e a l t o c o u r t u p o n q u e s tio n s o f la w .  A l l a s s e n tin g e m p lo y e r s ( e x c e p t p u b lic u t ilit ie s ) m u s t r e p o r t a ll in ju r ie s o f 1 w e e k ’s d is a b ilit y to b u r e a u o f la b o r w i t h i n 2 w e e k s , fa ta l w ith in 48 h o u rs .  N o tic e a s s o o n a s p r a c ti­ c a b le ; b a r r e d a f t e r 3 0 d a y s u n le s s c a u s e s h o w n ; c la im in 1 y e a r.  (a ) C o u rts . (6 ) V o lu n ta r y a g re e ­ m e n ts a p p ro v e d b y c o u rt; d is ­ p u t e d c a s e s s e t t le d b y c o u r ts .  S u b s c r ib e r s to c o a l o p e ra to rs ’ S t a t e f u n d m u s t r e p o r t a ll a c c i­ d e n ts t o c o m m is s io n e r o f la b o r .  (a ) N o p r o v is io n , (b ) C h ie f m in e in s p e c t o r ; 1 b u re a u o f w o rk s h o p a n d f a c t o r y in s p e c t io n . 1  Tennessee.  I n c l u d e d .............................................  N o tic e in 3 0 d a y s ; c la im 6 m o n th s .  in  (a ) I n d u s tr ia l a c c id e n t b o a rd . (6 ) V o lu n ta r y a g re e m e n t o r b y b o a rd ; a p p e a l to c o u rt.  A l l e m p lo y e r s m u s t r e p o r t a ll a c c i­ d e n ts o f m o r e t h a n 1 d a y ’s d is ­ a b ility to b o a rd w it h in 8 d a y s ; s u p p le m e n t a r y r e p o r t a fte r 6 0 d a y s , o r u p o n te r m in a tio n o f d is a b ility .  (a ) N o p r o v is io n . (6 ) B u r e a u o f la b o r s t a t is ­ tic s ; 1 m in e in s p e c t o r , 1 T e x a s E m p lo y e r s ’ I n ­ s u r a n c e A s s o c ia tio n .  Texas.  O n e - h a lf b e n e fits e x c e p t t o r e s id e n ts o f C anada.  N o tic e in 4 8 h o u r s , o r p e n a lty ; b a rre d a fte r 1 y e a r; d e a th c la im s b a r r e d a fte r l y e a r.  (a ) I n d u s t r ia l c o m m is s io n . (6 ) C o m m is s io n h a s f u ll p o w e r t o d e t e r m in e a ll q u e s tio n s r e la t in g t o c o m p e n s a ­ tio n ; lim ite d a p p e a l to c o u rt.  A l l e m p lo y e r s m u s t r e p o r t n il a c c id e n t s t o c o m m is s io n w i t h i n 1 w eek.  (a )  U ta h .  (b)  A l l a s s e n tin g e m p lo y e r s m u s t r e ­ p o r t a ll a c c id e n t s t o in d u s t r ia l c o m m is s io n e r w i t h i n 4 8 h o u r s ; s u p p le m e n t a r y r e p o r t a fte r 6 0 d a y s , o r u p o n te r m in a tio n o f d is a b ility .  (a)  N o p r o v is io n . (6 ) I n ­ s p e c to r o f m in e s .1  I n d u s t r ia l c o m m is s io n . p r o v is io n .  (b) N o  Is la n d .  S o u th D a k o ta .  PRINCIPAL FEATURES OF LAWS OF THE UNITED STATES RELATIVE TO WORKMEN’ S COMPENSATION AND INSURANCE— Concluded H o w e le c t io n is m a d e  E m p lo y m e n ts c o v e re d In s u ra n c e  S ta te P u b lic  P r iv a te  V e rm o n t. C h. 164. A p p ro v e d A p r . 1 , 1 9 1 5 . I n e fT e c t J u l y 1 , 1 9 1 5 . A m e n d e d e a c h s e s s io n .  Elective, a s t o  a ll e m p lo y m e n t s f o r g a in , e x c e p t t h o s e h a v i n g le s s t h a n 1 1 e m ­ p lo y e e s , d o m e s t ic s e r v ic e , c a s u a l e m p lo y e e s , th o s e n o t i n u s u a l c o u r s e o f e m p lo y e r ’ s b u s in e s s o r r e c e iv in g o v e r $ 2 ,0 0 0 a y e a r . as to o t h e r e m p lo y m e n t s .  Voluntary,  V ir g in ia . C h . 4 0 0 . B e c a m e la w o v e r g o v e rn o r’s v e to M a r . 21, 1918. In e fT e c t J a n . 1 , 1 9 1 9 . A m e n d e d e a q p s e s s io n .  Elective,  a s to a ll e m p lo y m e n t s e x c e p t t h o s e e m p l o y i n g le s s t h a n 1 1 e m ­ p lo y e e s , f a r m la b o r , d o m e s t ic s e r v ic e , s t e a m r a ilr o a d s , c a s u a l e m p lo y e e s , o r th o s e n o t in u s u a l c o u rs e o f e m ­ p lo y e r ’ s b u s in e s s . as to e x c e p te d e m p lo y m e n t s .  V oluntary,  W a s h in g to n . C h . 74. A p p ro v e d M a r . 1 4 , 1 9 11. I n e ffe c t O c t. 1, 1911. A m e n d e d e a c h s e s s i o n .  Com pulsory, a s t o “ e x t r a h a z a r d o u s ” e m p lo y m e n t s , in c lu d in g e n u m e r a te d lis t. Voluntary, a s t o e m p l o y m e n t s n o t “ e x tra h a z a rd o u s .”  Elective,  a s to a ll e m ­ p lo y e e s e x c e p t S t a t e , a n d o f f ic ia ls e le c te d o r r e c e iv in g m o re t h a n $ 2 ,0 0 0 a y e a r .  Com pulsory,  a s to a ll e m p lo y e e s except a d m in is tr a tiv e o f­ fic e r s a n d e m p lo y e e s e le c te d o r a p p o in t e d fo r d e fin ite te r m s .  Com pulsory,  a s to  all  B y e m p lo y e r  B y e m p lo y e e  P re s u m e d in ab se n c e o f w r itte n a g re e m e n t o r n o tic e to em ­ p lo y e r a n d b o a r d .  E le c tin g em m u s t in s u r e v a te c o m p a p r o v id e se ance.  p lo y e r s in p r i­ n ie s o r lf- in s u r ­  P re s u m e d in a b se n c e o f w r itte n a g re e m e n t or n o tic e to em ­ p lo y e e s a n d b o a r d ; m u n ic ip a litie s v o te .  E le c tin g em m u s t in s u r e v a te c o m p a p r o v id e se ance.  p lo y e r s in p r i­ n ie s o r lf- in s u r ­  P re s u m e d in a b s e n c e o f w r it t e n o r p r in te d n o t ic e t o e m p lo y e e s a n d c o m m is s io n .  E m p lo y e e  m u st  o f w r it t e n n o tic e t o e m p lo y e r a n d c o m ­ m is s io n .  D e fe n s e s a b ro g a te d i f e m p lo y e r d o e s n o t e le c t  W is c o n s in . C h . 50. A p p ro v e d M a y 3 , 1 9 1 1 . I n e ffe c t s a m e d a t e . A m e n d e d e a c h s e s s io n .  Elective,  a s to a ll “ r e g u la r ” m e n ts e x c e p t fa r m la b o r , s e r v ic e , t r a v e lin g s a le s m o ffic e r s o f c o r p o r a t io n s . a s t o e m p lo y e e s n o t r e g u p lo y e d .  e m p lo y ­ d o m e s tic en, and  Voluntary, la r ly  a s t o a ll e m ­ p lo y e e s e x c e p t e le c ­ t iv e o ffic ia ls .  a s t o a ll e m p lo y m e n t s e x c e p t t h o s e h a v i n g le s s t h a n 3 e m p l o y e e s , 3 f a r m la b o r , a n d e m p lo y e e s n o t in u s u a l c o u r s e o f e m p lo y e r ’ s b u s in e s s . ( j o i n t e le c tio n ) a s t o steam r a i l r o a d s .  Com pulsory,  a s to a ll e m p lo y e e s e x c e p t o f ­ fic ia ls .  Voluntary,  W y o m in g . C h . 124. A p p ro v e d F e b . 2 7 , 1 9 1 5 . I n e ffe c t A p r . 1, 1915. A m e n d e d e a c h s e s s io n .  U n ite d S ta te s . 3 5 S ta t.5 5 6 . A p ­ p r o v e d M a y 3 0 , 1 9 0 8 . I n e ffe c t A u g . 1 ,1 9 0 6 . A m e n d e d 1 9 1 1 -1 2 . N e w a c t, N o . 26 7 , a p p ro v e d S e p t. 7 , 1 9 1 6 . I n e ffe c t s a m e d a te . A m e n d e d 1 9 1 9 ,1 9 2 2 ,1 9 2 4 .  1 9 6 4 5 ° — » 2 5 f.  Com pulsory,  a s to “ e x tra h a z a rd o u s ” e m p lo y m e n t s e n u m e r a te d c o n d u c te d f o r g a in , e x c e p t c a s u a l e m p lo y e e s n o t in u s u a l c o u rs e o f e m p lo y e r ’s b u s i­ n e s s , c le r ic a l e m p lo y e e s n o t s u b je c t to h a z a rd o f e m p lo y m e n t , a n d o ffic ia ls .  Com pulsory,  a s to a ll P a n a m a R a ilr o a d .  ( F o llo w s p . 1 5 .)   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  N o . 6  e m p lo y e e s  of  Com pulsory,  a s to a ll e m p lo y e e s i n “ e x t r a h a z a rd o u s ” w o r k in w h ic h w o r k m e n a re e m p lo y e d f o r w a g e s u n le s s o th e r w is e p r o v id e d fo r .  Com pulsory,  a s t o a ll c iv il e m p lo y e e s o f th e U n ite d S ta te s a n d o f th e G o v e rn ­ m e n t o f th e D is tr ic t o f C o lu m b ia , e x c e p t p o lic e a n d f ir e m e n h a v i n g p e n s io n fu n d s .  In ju r ie s c o v e re d  W a it in g t im e P er cent o f wages  W a i v e r s f o r b i d d e n ................................  P e r s o n a l in ju r ie s b y a c c id e n t a r is ­ in g o u t o f a n d in c o u rs e o f e m ­ p lo y m e n t , u n le s s d u e t o w i l l f u l i n t e n t io n t o in ju r e s e lf o r a n ­ o th e r , in to x ic a t io n , o r fa ilu r e to u s e s a f e t y d e v ic e s .  1 w e e k ___________________________  A s s u m e d r is k , f e llo w s e r v ic e , a n d c o n t r ib ­ u t o r y n e g lig e n c e .  N ot permitted.............  A p p ro v e d s c h e m e s p e r m it­ te d . W a iv e r s fo r b id d e n .  P e r s o n a l in ju r ie s b y a c c id e n t a r is ­ in g o u t o f a n d in c o u rs e o f e m ­ p lo y m e n t , u n le s s d u e t o w i l l ­ f u l m is c o n d u c t , in t e n t t o in ju r e s e lf o r a n o t h e r , in t o x ic a t io n , o r w i l l f u l fa ilu r e to u s e s a fe ty a p ­ p lia n c e s o r o b e y s a f e t y r u le s .  1 0 d a y s . N o n e i f d is a b ility c o n tin u e s m o re th a n 6 w e e k s .  S u it fo r e xc e ss d a m a g e s p e r m itte d , in a d d itio n t o c o m p e n ­ s a tio n , i f in ju r y re ­ s u lt e d f r o m d e lib e r ­ a te in te n tio n o f e m ­ p lo y e r .  W a iv e r s fo r b id d e n ; h o s p it a l  P e r s o n a l in ju r ie s r e s u ltin g fr o m  3 d a y s .................................  in -  a  p r e m is e s o f p l a n t o r i n c o u r s e o f e m p lo y m e n t a w a y fr o m p la n t, n o t d e lib e r a t e ly s e lf- in flic te d .  1 w e e k ..................................................  15  D e a th , to 45 p e r c e n t. D is a b ility , 50 p e r c e n t.  M a x im u m a n d m in im u m w e e k ly c o m p e n s a t io n p a y m e n ts  M a x i m u m , $12, m u m , $6.  D e a th , 300 w e e k s . T o ta l d is a b ilit y , 500 w e e ks. P a r t ia l d is a b ility , 3 0 0 w eeks.  ( ) B u r ia l e x p e n s e s , m a x $100; 50 p e r c e n t o f w a g e s w e e k s ; m a x im u m , $ 1 2 , m u m , $6; to ta l n o t o v e r (5 ) B u r ia l e x p e n s e s , m a x $100.  (a ) B u r ia l e x p e n s e s , m a x im u m , $ 1 0 0 i f s in g le , $ 1 5 0 i f m a r r ie d ; $ 3 5 a m o n th to w id o w o r in v a lid w id o w e r u n t i l d e a th o r r e m a r ­ r ia g e ; a n d $ 1 2 .5 0 f o r 1 c h ild , $ 7 .5 0 fo r n e x t y o u n g e s t, a n d $ 5 to e a c h o th e r c h ild u n d e r 1 6 ; $ 2 5 0 a d d i­ tio n a l to w id o w . (6 ) B u r ia l e x ­ p e n s e s , m a x im u m , $ 1 0 0 .  m i n i ­  M o n t h l y p e n s io n ; a m o u n ts n o t b a se d on w ages.  M o n t h l y p e n s io n : D e a t h , $ 2 0 , p c i m a n e l i t t o t a l d is a b ilit y , m in im u m $35; n o fix e d m a x im u m .  D e a th , d u r in g life o r e m a r r ia g e o f w id in v a lid w id o w e r . d is a b ility , d u r in c o n tin u a n c e .  D e a th , m o n t h ly p e n ­ s io n . D is a b ility , 6 6 % p e r c e n t.  D is a b ilit y : M a x im u m , $16, m in im u m , $ 5 .  D e a th , d u r in g life o r u n t il r e m a r r ia g e o f w id o w o r in v a lid w id o w e r . P e r­ m a n e n t t o t a l d is a b ility , life . T e m p o ra ry to ta l d is a b ilit y , 78 w eeks. P e r m a n e n t p a r t ia l d is a ­ b ility , 340 w e e k s .  6 5 p e r c e n t . . . ............................  M a x i m u m , $ 1 8 .2 0 ; m u m , $ 6 .8 3 .  P e r m a n e n t to ta l d is a b ility , 900 w eeks.  A s s u m e d r is k , fe llo w s e r v ic e , c o n t r ib u ­ t o r y n e g lig e n c e , a n d n e g lig e n c e o f p e r­ s o n s “ w h o s e d u tie s a re p r e s c r ib e d b y s ta tu te .”  S u it fo r e xc e ss d a m ­ a g e s p e r m itte d , in a d d itio n to c o m p e n ­ s a t i o n i f i n j u r y is d u e t o e m p lo y e r ’s i n t e n t t o in ju r e ; a ls o p e r m itte d if em ­ p lo y e r is i n d e f a u lt o n p r e m iu m s .  B e n e fit fu n d s p e r m itte d p r o v id e d e m p lo y e e s d o n o t c o n tr ib u te and b e n e fits e q u a l th o s e o f a c t. W a iv e r s f o r b id d e n .  P e rs o n a l in ju r ie s s u s ta in e d in c o u rs e o f a n d r e s u ltin g fr o m e m ­ p l o y m e n t , u n le s s s e lf - in f lic t e d o r d u e t o w i l l f u l m is c o n d u c t , d is o b e d ie n c e t o r u le s , i n t o x i ­ c a t io n , o r f a ilu r e t o u s e s a fe ty a p p lia n c e s .  E le c t in g e m p lo y e r s m u s t in s u r e i n p r i­ v a t e c o m p a n ie s o r p r o v id e s e lf- in s u r ­ ance.  P re s u m e d as to e m ­ p lo y e r s o f 3 o r m o r e p e rs o n s in a b s e n c e o f n o tic e f ile d w it h c o m m is s io n .  P re s u m e d in a b s e n c e o f w r it t e n n o tic e t o e m p lo y e r , if em ­ p lo y e r e le c ts .  A s s u m e d r is k , fe llo w s e r v ic e , a n d c o n t r ib ­ u t o r y n e g lig e n c e u n ­ le s s w i l l f u l .  Not perm itted.............  In s u ra n c e o r o th e r sc h e m e s m a y p r o v id e a d d e d b e n e ­ fits . W a iv e r s fo r b id d e n .  P e r s o n a l in ju r ie a n d in c id e n t a u n le s s i n t e n t i o O c c u p a tio n a l  P e r m it t e d i f e m p lo y e r d o e s n o t c o n tr ib u te to S ta te fu n d .1  W a iv e r s f o r b id d e n . N o re d u c tio n o f lia b ility a l­ lo w e d .  I n ju r ie s s u s ta in e d a s e m p lo y m e n t , u n le s s p a b le n e g lig e n c e o f e w illf u l a c t o f a th ir d  a r e s u lt o f d u e to c u l­ m p lo y e e o r p a rty .  7 d a y s . N o n e i f d is a b i l i t y c o n tin u e s fo r m o r e t h a n 21 d a y s  A m o u n ts n o t o n w ages.  based  T e m p o r a r y t o t a l d is a b il­ i t y : M o n t h l y p e n s io n , $ .5 0 t o $ 9 0 . F ix e d lu m p s u m s in o th e r c a se s.  Government can not be sued.  N o provision  P e r s o n a l in ju r ie s s u s ta in e d w h ile i n p e r fo r m a n c e o f d u t y u n le s s d u e t o w i l l f u l m is c o n d u c t , i n ­ t e n t io n t o i n ju r e s e lf o r a n o t h e r , o r in t o x ic a t io n , in c lu d in g a n y d is e a s e p r o x i m a t e l y c a u s e d b y th e e m p lo y m e n t .  3 d a y s . . U o n ip e n s a t i o n b e g in s o n f o u r t h d a y a fte r d is a b ility o r e x h a u s t io n o f s ic k a n d a n n u a l le a v e .  D e a th , to 6 6 % p e r cent. D is a b ility , 6 6 % p e r c e n t.  D e a t h : B a s ic w a g e , m o n t h l y m a x i m u m , $100; m in im u m , $50. T o t a l d i s a b i l i t y : M o n t h l y m a x im u m , $ 6 6 .6 7 ; m i n i m u m , $ 3 3 .3 3 , o r a c t u a l w a g e s i f le s s t h a n $ 3 3 .3 3 . P a r t i a l d is ­ a b ilit y : M o n t h ly m a x i­ m u m , $ 6 6 .6 7 .  E m p lo y e r s m u s t in ­ s u r e in S ta v e fu n d .  .................--  N o n e if a b i l i t y c o n tin u e s f o r m o re th a n 3 w e e k s  10  (a)  (a ) B u r ia l e x p e n s e s , m a x im u m , $100; 15 to 4 5 p e r c e n t o f w a g e s f o r 2 6 0 w e e k s ; m i n i m u m b a s ic w a g e , $ 5 ; t o t a l n o t o v e r $ 3 ,5 0 0 ; (6 ) B u r ia l e x p e n s e s , m a x im u m , $100.  R e m a in in g i n s e r v ic e w it h n o tic e o f e m ­ p lo y e r ’s e le c t io n .  1 w eek.  p e r io d  m in i­  r u n til ow or T o ta l g its  0  im u m , fo r 300 m in i­ $ 4 ,5 0 0 . im u m ,  (a)  B u r ia l e x p e n s e s , m a x im u m , $ 1 5 0 ; w id o w o r in v a lid w id o w e r , $ 3 0 a m o n th u n t il d e a th o r re ­ m a r r ia g e ; $ 5 a d d it io n a l fo r e a c h c h ild u n d e r 1 6 . (ft) B u r ia l e x ­ p e n s e s , m a x im u m , $ 1 5 0 .  (a)  B u r ia l e x p e n s e s , m a x im u m , $ 2 0 0 ; 6 5 p e r c e n t o f w a g e s to e q u a l 4 y e a r s ’ e a r n in g s , b u t n o t t o e x c e e d a t o t a l d is a b ility b e n e f it ; m a x im u m a n n u a l e a r n ­ in g s , $ 1 ,4 0 0 , m i n i m u m , $ 5 2 6 . (ft) B u r ia l e x p e n s e s , m a x im u m , $ 2 0 0 , a n d 4 y e a r s ’ e a r n in g s , m a x i­ m u m , $ 1 ,0 0 0 , t o s p e c ia l d e p e n d ­ e n c y fu n d .  (a)  B u r ia l e x p e n s e s , m a x im u m , $ 1 0 0 , lu m p s u m o f $ 2 ,0 0 0 t o w i d o w o r i n v a l i d w id o w e r ; a ls o $ 1 2 0 a y e a r fo r e a c h b o y u n d e r 16, o r g ir l u n d e r 18; t o t a l n o t o v e r $ 3 ,6 0 0 . ( 6 ) B u r ia l expenses, m a x im u m , $ 1 0 0 .  D e a th , d u r in g life o r u n t il r e m a r r ia g e o f w id o w o r ■ w id o w e r ; o t h e r d e p e n d ­ e n ts , 4 1 6 w e e k s . D is a ­ b ilit y , d u r in g it s c o n ­ t in u a n c e .  (a)  M e d ic a l a n d s u r g ic a l a id  T o t a l d is a b ility P e rm a n e n t (ft) T e m p o r a r y  2 6 0 w e e k s .......................................................  0  B y p a y in g p r e m iu m s a n d p o s tin g n o tic e .  s g r o w in g o u t o f l to e m p lo y m e n t , n a lly s e lf- in flic te d . d is e a s e s in c lu d e d .  M a x im u m  D e a th s (а ) D e p e n d e n t s (б ) N o d e p e n d e n t s  D e a th : M in im u m b a s ic w age, $ . T o ta l d is ­ a b i l i t y : M a x i m u m , $ 1 5 , m in im u m , $ 6 , o r a c t u a l w a g e s i f le s s t h a n $3. P a r t ia l d is a b ility : M a x im u m , $1 0 .  E l e c t i n g e m p lo y e r s m u s t in s u r e i n S t a t e f u n d o r p r o v id e s e lfin s u r a n c e .  em ­  Elective,  S p e c ia l c o n t r a c t s  N ot permitted.............  h a z a rd o u s ” w o r k in w h ic h w o r k m e n a re e m p lo y e d f o r w a g e s , a n a s a la r ie d p e a c e o ffic e r s . a s t o e m p lo y m e n t s n o t ‘ ‘ e x tr a h a z a r d -  Elective,  C o m p e n s a t io n b e n e fits  A s s u m e d r is k , fe llo w s e r v ic e , and con­ t r i b u t o r y n e g lig e n c e .  Voluntary,  W e st V ir g in ia . C h. 10. A p ­ p r o v e d F e b . J 2 , 1 9 13. I n e ffe c t O c t. 1, 1 9 1 3 . A m e n d e d 1915, 1919, 1923.  S u its fo r dam ages a fte r e le c tio n b y b o t h e m p lo y e r a n d e m p lo y e e  B u r ia l e x p e n s e s , m a x im u m , $ 1 0 0 a n d tr a n s p o r ta tio n ; 3 5 p e r c e n t o f w a g e s to w id o w o r d e ­ p e n d e n t w id o w e r u n t i l d e a th o r r e m a r r ia g e a n d 1 0 p e r c e n t fo r e a c h c h ild u n d e r 1 8 , n o t o v e r 6 6 % p e r c e n t in a ll; o th e r de” p e n d e n ts , 10 to 4 0 p e r c e n t fo r n o t o v e r 8 y e a r s ; b a s ic w a g e , m a x im u m , $ 1 0 0 a m o n th ; m in i­ m u m , $50. (ft) B u r ia l e x p e n s e s , m a x im u m , $ 1 0 0 a n d tr a n s p o r ta to n .  N o n r e s id e n t a lie n b e n e fic ia r ie s  T im e f o r n o t ic e a n d c la im  P a r t ia l d is s b ility  ( a ) B y w h o m a d m in is t e r e d (ft) H o w c la im s a r e s e ttle d  b y — (a ) C o m p e n s a tio n c o m m is s io n . (6 ) O th e r a g e n c ie s  A c c id e n t r e p o r t s r e q u ir e d  S ta te .  50 p e r c e n t o f w a g e s fo r e e k s ; m a x im u m , $ 1 5 ; m in i­ $ 6 , o r a c t u a l w a g e s i f le s s $ 3 ; t o t a l n o t o v e r $ 4 ,0 0 0 .  50 p e r c e n t o f w a g e b ss fo r n o t o v e r 2 6 0 w e e k s ; m a x i m u n , $ 1 0 . S p e c i­ fie d in ju r ie s , 5 0 p e r c e n t o f w a g e s f o r f ix e d p e r io d s , i n a d d it io n to te m p o r a r y to ta l; o th e rs p ro p o r­ tio n a te ; m a x im u m $ 1 5 , m in im u m , $ 6 o r f u l l w a g e s f le s s t h a n $ 3 . C o m p e n s a t io n f o r lis f ig u r e m e n t .  R e a s o n a b le m e d ic a l, s u r g ic a l, a n d h o s p it a l s e r v ic e m a x im u m , $ 1 0 0 . C h a rg e s lim ­ ite d to p r e v a ilin g r a te s .  N o p r o v i s i o n .............................  N o t ic e a s s o o n a s p r a c tic a b le ; c la im in 6 m o n th s .  (a ) C o m m is s io n e r o f in d u s t r ie s . (6 ) V o lu n ta r y a g re e m e n t a p p ro v e d b y c o m m is s io n e r ; d is p u t e d c a s e s s e t t le d b y c o m m is s io n e r ; a p p e a l t o c o u r t s .  A l l a s s e n tin g e m p lo y e r s m u s t r e ­ p o r t a ll in ju r ie s o f 1 d a y ’s d is ­ a b i l i t y o r r e q u ir in g m e d ic a l a t ­ te n d a n c e t o c o m m is s io n e r w - ith in 7 2 h o u r s ; s u p p le m e n t a r y re ­ p o rt a fte r e a c h 60 d a y s o r te r­ m in a t io n o f d is a b ilit y .  (6 ) 5 0 p e r c e n t o f w a g e s fo r n o t o v e r 5 0 0 w e e k s ; m a x im u m , $ 1 2 , m in im u m , $6; to ta l n o t o v e r $ 4 ,5 0 0 .  50 p e r c e n t o f w a g e b s s fo r n o t o v e r 3 0 0 w e e k s ; m a x im u m , $ 1 2 . S p e c i­ f ie d in ju r ie s , 5 0 p e r c e n t o f w a g e s f o r f ix e d p e r io d s ; M a x im u m , $ 1 2 , m in im u m , $ 6 . D iifig u r e m e n t, n o t o v e r 60 w eeks.  N e c e s s a r y m e d ic a l, s u r g ic a l, a n d h o s p it a l s e r v ic e lo n g e r a t o p t io n o f e m p lo y e r , e m p lo y e e m u s t a c c e p t u n le s s o t h e r w is e o r d e r e d b y c o m m is ­ s io n ; c h a rg e s lim it e d t o p r e v a il­ in g r a te s .  $ 1 ,0 0 0 m a x im u m e x ­ c e p t t o r e s id e n ts o f C anada.  N o tic e in 3 0 d a y s . 1 y e a r.  ( a ) I n d u s t r ia l c o m m is s io n . (6 ) V o l­ u n ta r y a g re e m e n t a fte r 10 d a y s a p ­ p ro v e d b y c o m m is s io n ; d is p u te d cases s e ttb d b y c o m m is s io n or m e m b e r th e r e o f; r e v ie w b y f u ll c o m ­ m is s io n ; a p p e a l t o c o u r ts .  A l l e m p lo y e r s m u s t r e p o r t a ll i n ­ ju r ie s o f o v e r 1 w e e k 's d is a b ilit y t o c o m m is s io n w i t h i n 1 0 d a y s ; s u p p le m e n t a r y r e p o r t a fte r 6 0 d a y s o r u p o n t e r m in a t io n o f d is ­ a b ility .  (a ) N o p r o v is io n . (6 ) B u ­ V ir g in ia . r e a u o f la b o r a n d in d u s ­ t r ia l s ta tis tic s .1  P r o p o r tio n a te a m o u its b a s e d u p o n  N e c e s s a ry  O n e - h a lf b e n e fits ^ t o p a t e n t s o n l^ , u n le s s tr e a ty to c o n tra ry ; n o th in g i f la w o f n a t i o n e x c lu d e s c i t i ­ zens of U n i t e d S ta te s .  (a ) D iv is io n  A l l e m p lo y e r s m u s t r e p o r t a l l a c c i­ d e n ts to d iv is io n o f in d u s tr ia l in s u r a n c e a t o n c e .  (a ) N o p r o v is io n ; (6 ) D iv is i o n o f s a f e t y •; S t a t e m in in g b o a r d .1  (a ) (6 ) 260 w m u m th a n  (a)  (a)  ( 6 ) $ 3 5 a m o n t h i f s in g le , $ 4 0 i f  $ 1 2 .5 0 f o r o n e c h ild , $ 7 .5 0 f o r n e x t y o u n g e s t, a n d $5 fo r e a c h o th e r c h ild u n d e r 1 6 . I f te m ­ p o r a r y , a b o v e s c h e d u le in c r e a s e d fo r f ir s t 6 m o n th s in c e r ta in c a s e s .  (a ) 6 6 % p e r c e n t o f w a g e s fo r life ; w e e k ly m a x im u m , $ 1 6 , m in i­ m u m , $ 5 . (ft) 6 6 % p e r c e n t o f w a g e s fo r n o t o v e r 5 2 w e e k s (7 8 w e e k s i n s p e c ia l c a s e s ) : m a x i ­ m u m , $ 1 6 , m in im u m , $5.  (a)  6 5 p e r c e n t o f w a g e s fo r 2 6 0 to 9 0 0 w e e k s , d e p e n d in g o n a g e o f e m p lo y e e . M a x im u m , $ 1 8 .2 0 , m i n i m u m , $ 6 .8 3 . (ft) 65 p e r c e n t o f w a g e s d u r in g d is a b ilit y ; m a x im u m , 4 y e a r s ’ e a r n in g s . M a x im u m annual e a r n in g s , $ 1 ,4 0 0 , m i n i m u m , $ 5 2 5 .  ( a ) L u m p s u m o f $ 4 ,0 0 0 p lu s $ 1 2 0 a y e a r fo r e a c h b o y u n d e r 16 o r g ir l u n d e r 18 ; t o ta l n o t o v e r $ 8 ,0 0 0 . ( 6 ) $ 5 0 a m o n t h i f s in g le . $ 6 0 i f m a r r ie d ; $ 7 .5 0 a m o n t h f o r e a c h c h ild u n d e r 16; m a x im u m , $ 9 0 ; t o t a l n o t o v e r $ 8 ,0 0 0 .  (a)  (ft) 6 6 % p e r c e n t o f w a g e s d u r in g d is a b ilit y ; m o n t h ly m a x i­ m u m , $ 6 6 .6 7 ; m i n i m u m , $ 3 3 .3 3 , o r a c t u a l w a g e s i f le s s t h a n $ 3 3 .3 3  m u m , $ 2 ,4 0 0 . F ix e d sum s c e r t a in s p e c ifie d in ju r ie s .  fo r  for 1J, days,  for 60 days;  tio n . c o s t.  m e d ic a l, s u r g ic a l, a n d  E m p lo y e e s b e a r o n e - h a lf  I f p e rm a n e n t, 6 6 % p er c e n t o f w a g e s f o r fix e d p e r io d s f i r lif e i f o v e r 8 5 p e r c e n t o f d is a b ility ; w e e k ly m a x im u m , $1 6 , m n im u m , $5.  R e a s o n a b le m e d ic a l, s u r g ic a l, a n d h o s p ita l tr e a tm e n t ; m a x im u m , $ 3 0 0 ; in p e rm a n e n t d is a b ility c a s e s w h e re d is a b ility c a n b e m a te r ia lly re d u c e d , $600.  W id o w , o w e r, o n ly .  S p e c ifie d m a jo r in ju r ie s , f ix e d p e r ­ c e n ta g e s o f t o t a l d is a b i l i t y , s p e c i­ f ie d le s s e r in ju r ie s , 6 5 p e r c e n t o f w a g e s f o r f ix e d p e r io d s , s u b je c t t o e x te n s io n ; o th e r s p r o p o r t io n a t e , b a s e d o n 8 0 p e r c e n t o f s c h e d u le , a ll in a d d itio n to te m p o r a r y t o ta l. D is fig u r e m e n t, n e t to e x c e e d o n e y e a r ’ s e a r n in g s . O n lo s s o f a m a jo r m e m b e r , $ 1 5 0 m u s t b e p a id in t o s e c o n d in ju r y fu n d . F L x e d l u m p s u m s fa r s p e c ifie d i n ­ ju r ie s , in a d d itio n to te m p o r a r y t o t a l; o th e r s in p r o p o r tio n ; m a x i­ m u m , $ 1 ,5 0 0 .  R e a s o n a b le m e d ic a l, s u r g ic a l, a n d h o s p it a l t r e a t m e n t lo n g e r i f d i s a b i l i t y p e r io d c a n b e d e c r e a s e d ; a ls o n e c e s s a r y a r t i ­ fic ia l m e m b e r s . C h r i s t i a n S c ie n c e tre a tm e n t p e r m itte d u n le s s e m p lo y e r re fu s e s b y f ilin g w r i t t e n n o tic e .  I n c l u d e d _________________________  I n n o n f a t a l c a s e s , m e d ic a l a n d h o s ­ p i t a l s e n - ic e ; m a x i m u m , $ 2 0 0 , u n le s s t h e r e is a h o s p it a l f u n d ; i f d is a b ilit y e x c e e d s 30 d a y s , $ 1 0 0 p e r m o n t h m a y b e a llo w e d .  O n e - t h ir d b e n e fits ; t o p a re n ts , w id o w a n d c h ild r e n o n ly .  66% p er cent o f wage d is a b ility ; m o n th ly $ 6 6 .6 7 .  1 N o t p r o v id e d f o r i n c o m p e n s a tio n la w .  lo s s d u r i n g m a x im u m ,  for 00 days;  R e a s o n a b le m e d ic a l, s u r g ic a l, a n d h o s p it a l s e r v ic e , a n d t r a n s p o r ­ t a tio n i f n e c e s s a ry , u n le s s e m p lo y e e r e ­ fu s e s .  able period  for a reason­  in v a lid w id ­ a n d c h ild r e n  C la im in  o f in d u s t r ia l in s u r a n c e .  s a t io n d e te r m in e d p e a l to c o u rts .  b y  d iv is io n ; a p ­  (a ) C o m m is s io n e r o f in ­ d u s t r ie s . (6 ) N o p r o v i­ s io n .  0  V e rm o n t.  W a s h in g to n .  C la im in 6 m o n th s ; p r o o f o f d e p e n d e n c y in 9 m o n th s .  ( a ) C o m p e n s a t io n c o m m is s io n e r . (6 ) C o m m is s io n e r h a s f u l l iw w e r t o d e ­ t e r m in e a ll q u e s tio n s r e la t in g t o c o m ­ p e n s a tio n ; a p p e a l t o c o u r ts .  A ll e m p fo rm a s a tio n of act  lo y e r s m u s t r e p o r t a n y i n ­ t io n r e q u ir e d b y c o m p e n ­ c o m m is s io n e r f o r p u r p o s e u p o n re q u e s t.  ( ) C o m m is s io n e r m a y r e q u ir e e m p lo y e r s to a d o p t a n d p o s t s a fe ty r u le s . (6 ) B u r e a u o f la ­ b o r; 1 D e p a rtm e n t of m in e s .1  W e s t V ir g in ia .  N o t ic e in 3 0 d a y s ; c la im 2 y e a rs .  ( a ) I n d u s t r ia l c o m m is s io n . (6 ) V o l­ u n ta r y a g re e m e n t a p p ro v e d b y c o m ­ m is s io n ; d is p u te d c a s e s s e t t le d b y c o m m is s io n ; a p p e a l t o c o u r t s .  A l l e m p lo y e r s o f 3 o r m o r e p e rs o n s a n d in s u r e s m u s t r e p o r t a ll a c ­ c id e n ts t o c o m m is s io n w i t h i n f ir s t 5 d a y s o f e a c h m o n th .*  (a ) I n d u s t r i a l c o m m i s ­ s io n . (6 ) N o p r o v is io n .  W is c o n s in .  ( a ) C o u r t s ; f u n d s u p e r v is e d tr e a s u r e r , (ft) C la im s a n d c a s e s s e ttle d b y d is t r ic t c o u n ty ; a p p e a l to s u p re m e  A l l e m p lo y e r s e n g a g e d in e x tr a h a z a r d o u s e m p lo y m e n t s m u s t r e p o r t a ll a c c id e n t s t o d i s t r i c t c o u rt w ith in 20 d a y s .  ( a ) N o c o m m is s io n . (6 ) In s p e c to r o f m in e s .1  W y o m in g .  I m m e d ia t e s u p e r io s u c h in fo r m a tio n c o m m is s io n im m p le m e n ta r y r e p o b y c o m m is s io n .  (a ) N o re a u of S s ta te m is s  U n ite d S ta te s .  in  N o tic e in 4 8 h o u r s , 1 y e a r f o r r e a s o n a b le c a u s e ; c la im fo r d is a b ilit y in 6 0 d a y s , 1 y e a r f o r r e a s o n a b le c a u s e ; d e a th , 1 y e a r.  b y S ta te d is p u te d c o u rts o f c o u rt.  (a ) U n it e d S ta te s E m p lo y e e s ’ C o m ­ p e n s a tio n C o m m is s io n , (ft) C o m ­ m i s s i o n d e c id e s a l l q u e s t io n s a r i s i n g u n d e r a c t.  3 B u t e m p l o y e r s h a v i n g le s s t h a n 3 e m p lo y e e s lo s e d e f e n s e o f a s s u m e d r i s k i f t h e y d o n o t e le c t .  rs m u s t re p o rt a s r e q u ir e d b y e d ia te ly ; s u p ­ r ts a s r e q u ir e d  p r o v is io n . (6 ) B u ­ o f M in e s ;1 B u re a u ta n d a rd s ;1 In te r­ C o m m e rc e C o m ­ io n .1