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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 \ BUREAU OF LABOR STATISTICS/ W O R K M E N ’ S I N S U R A N C E AND ' * ilO e COMPENSATION JO Q UO SERIES WORKMEN’S COMPENSATION LEGISLATION OF THE UNITED STATES AND CANADA AS OF JULY 1,1926 DECEMBER, 1926 WASHINGTON GOVERNMENT PRINTING OFFICE 1926 ACKNOWLEDGMENT The commissioner desires to acknowledge the services of Mr. Lindley D. Clark, a member of the bureau staff, who had entire charge in the preparation of this report. CONTENTS 1926: Workmen’s compensation legislation of tlie United States and Canada, Introduction____________________________________________________ 1,2 Part I.—Workmen’s compensation laws of the United States: Introduction------------------------------------------------------------------------------3,4 Progress of legislation__________________________________________ 4-8 Types of laws---------------------------------------------------------------------------8-11 Analysis of the principal features <:f the laws_____________________ 12-51) Alabama___________________________________________________ 12 Alaska_____________________________________________________ 13 Arizona____________________________________________________ 14 California__________________________________________________ 15 Colorado___________________________________________________ 16 Connecticut_________________________________________________ 37 Delaware-----------------------------------------------------------------------------18 District of Columbia________________________________________ 19 Georgia------------------------------------------------------------------------------20 Hawaii_____________________________________________________ 21 Idaho______________________________________________________ 22 Illinois_____________________________________________________ 23 Indiana____________________________________________________ 24 Iowa_______________________________________________________ 25 Kan -as--------------------------------------------------------------------------------26 Kentucky___________________________________________________ 27 Lousiana_________________________ _________________________ 28 Maine______________________________________________________ 29 Maryland___________________________________________________ 80 Massachusetts______________________________________________ 81 Michigan___________________________________________________ 82 Minnesota__________________________________________________ 33 Missouri___________ 1______________________________________ 34 Montana-----------------------------------------------------------------------------35 Nebraska___________________________________________________ 8f> Nevada_____________________________________________________ 37 N>w Hampshire____________________________________________ 3K New Jersey_________________________________________________ 31) New Mexico------------------------------------------------------------------------40 New York__________________________________________________ 41 North Dakota______________________________________________ 42 Ohio_______________________________________________________ 43 Oklahoma__________________________________________________ 44 Oregon_____________________________________________________ 45 Pennsylvania-----------------------------------------------------------------------46 Porto Rico_________________________________________________ 47 Rhode Island_______________________________________________ 48 South Dakota______________________________________________ *49 Tennessee__________________________________________________ 50 Texas______________________________________________________ 51 Utah_______________________________________________________ Vermont___________________________________________________ 5:> Virginia____________________________________________________ 54 Washington________________________________________________ 55 West Virginia______________________________________________ 56 Wisconsin__________________________________________________ 57 Wyoming___________________________________________________ 5S United States—Civil employees---------------------------------------------59 hi CONTENTS 11.—Workmen’s compensation laws of the United States—Contd. Comparison of compensation and insurance systems_____________ 60-72 Scope or coverage-------------------------------------------------------------61-63 Hazardous employments----------------------------------------------61 Numerical exemptions-------------------------------------------------61,62 Agricultural and domestic service______________________ 62 Public employment____________________________________ 62 Other exclusions---------------------------------------------------------- 62-63 Occupational diseases_____________________________________ 63 Election__________________________________________________ 63 Suits for damages________________________________________ 63,64 Waiting time-------------------------------------------------------------------64 Compensation scale----------------------------------------------------------65-69 Per cent of wages____________________________________ _ 65 Maximum time and amount----------------------------------------65-67 Weekly maximum and minimum_______________________ 67,68 Partial disability_____________________________________ 68,69 Medical beneiits---------------------------------------------------------------69,70 Administration and settlement of claims____________________ 70 Accident reporting and prevention__________________________ 70,71 Nonresident alien dependents______________________________ 71,72 Text of workmen’s compensation laws of the United States---------- 73-582 Alabama-------------------------------------------------------------------------73-85 Alaska-----------------------------------------------------------------------------86-91 Arizona__________________________________________________ 92-304 California________________________________________________ 105-120 Colorado_________________________________________________ 121-136 Connecticut_______________________________________________ 137-145 Delaware________________________________________________ 146-155 District of Columbia-------------------------------------------------------- * 155 Georgia---------------------------------------------------------------------------- 156-165 Hawaii___________________________________________________166-173 Idaho________________ ___________________________________ 174-184 Illinois___________________________________________________ 185-196 Indiana__________________________________________________ 197-206 Iowa____________________________________________________ 207-216 Kansas___________________________________________________ 217-225 Kentucky_________________________________________________ _ 226-238 Louisiana___________________________ ____________________ 239-248 Maine____________________________________________________ 249-257 Maryland------------------------------------------------------------------------- 258-271 Massachusetts____________________________________________ 272-278 Michigan_________________________________________________ 279-288 Minnesota________________________________________________ 289-305 Missouri_________________________________________________ 306-317 Montana_________________________________________________ 318-334 Nebraska_________________________________________________ 335-343 Nevada___________________________________________________ 344-353 New Hampshire__________________________________________ 354-357 New Jersey_______________________________________________ 358-367 New Mexico______________________________________________ 368-376 New York________________________________________________ 377-^392 North Dakota____________________________________________ 393-399 Ohio_____________________________________________________ 400-413 Oklahoma________________________________________________ 414-422 Oregon___________________________________________________ 423-439 Pennsylvania_____________________________________________ 440-449 Philippine Islands________________________________________ 450 Porlo R ico_______________________________________________ 451-457 Rhode Island_____________________________________________ 458-465 South Dakota____________________________________________ 466-474 Tennessee________________________________________________ 475-485 Texas____________________________________________________ 486-496 Utah_____________________________________________________ 497-506 Vermont__________________________________________________ 507-514 Virginia__________________________________________________ 515-524 Washington______________________________________________ 525-641 CONTENTS V Part I.—Workmen’s compensation laws of the United States—Contd. Text of workmen’s compensation laws of the United States—Contd. Fage West Virginia------------------------------------------------------------------- 542-550 Wisconsin------------------------------------------------------------------------- 551-565 Wyoming-------------------------------------------------------------------------- 566-574 United States----- ------------------------------------------------------------- 575-582 Part II.—Workmen’s compensation laws of Canada: Progress of legislation_________________________________________ 583 Canadian and United States laws compared-------------------------------- 583-585 Analysis of the principal features of the laws----------------------------- 586-593 Alberta___________________________________________________ 586 British Columbia__________________________________________ 587 Manitoba-------------------------------------------------------------------------588 New Brunswick----------------------------------------------------------------589 Nova Scotia______________________________________________ 590 Ontario----------------------------------------------------------------------------591 Quebec----------1-----------------------------------------------------------------592 Yukon Territory__________________________________________ 593 Comparison of compensation and insurance systems_____________ 594-597 Scope or coverage_________________________________________ 594 Occupational diseases----------------------------------------------------- - 594,595 Waiting time_____________________________________________ 595 Compensation scale_______________________________________ 595,596 Administration and settlement of claims------------------------------597 Accident reporting and prevention---------------------------------------597 Nonresident alien dependents______________________________ 597 Text: of workmen's compensation laws of Canada----------------------- 598-674 Alberta___________________________________________________ 598-608 British Columbia__________________________________________ 608-617 Manitoba-------------------------------------------------------------------------- 617-629 New Brunswick___________________________________________ 629-637 Nova Scotia______________________________________________ 637-648 Ontario___________________________________________________ 649-064 Quebec___________________________________________________ 664-669 Yukon Territory__________________________________________ 669-673 Dominion of Canada---------------------------------------------------------- 673,674 BULLETIN OF THE U. S. BUREAU OF LABOR STATISTICS n o . 423 WASHINGTON D ecem b er, mm WORKMEN’S COMPENSATION LEGISLATION OF THE UNITED STATES AND CANADA AS OF JULY 1, 1926 INTRODUCTION The Fourth Special Report of the Commissioner o f Labor, issued in 1893 under the title of “ Compulsory Insurance in Germany,” was the first report published in this country devoted to the subject of workmen’s insurance.1 At that time compensation for industrial accidents had been established by law in two countries only, Ger many in 1884 and Austria in 1887; the third country—Norway— not following until 1894. In the other countries discussed in the ap pendix of this early report the workmen’s compensation movement had not passed beyond the stage of Government commissions and legislative discussion. Since the publication of this first report, the development of the legislation providing for workmen’s compensation for industrial ac cidents in Europe and throughout the world has been extremely rapid; in fact, it may be doubted whether any other subject of labor legislation has ever made such progress or gained such general acceptance for its principles in so brief a period. At the present time some form of workmen’s compensation for industrial acci dents is practically universal, and while the various enactments show considerable variations in the industries covered, the amount of com pensation provided, and the methods by which compensation pay ments are secured, all recognize the principles of compensation as distinguished from the older idea of employer’s liability previously accepted in the civil law of continental Europe, as well as in English and American law. In the United States what might be called the period of investi gation and education began somewhat late as compared with Euro pean countries. But since that beginning, investigation and study have been followed with great rapidity by legislative action. The first American State commissions that led to the enactment of laws were appointed in New York, Wisconsin, and Minnesota in 1909, legislation following in New York in 1910, in Wisconsin in 1911, and in Minnesota in 1913. 1 Sec t<*xl and footnotes on p. 3 for other bulletins on the subject of workmen’s compensation. 1 2 w o r k m e n ’ s c o m p e n s a t io n le g is la tio n Foreign countries, too, have been progressive in the same field, i>ome of the laws noted in earlier reports being superseded, while in new and comparatively undeveloped industrial countries this type of law has been adopted, so that annual revisions are a practical necessity if current conditions are to be accurately presented. By reason of the bulk of the legislation enacted, and the volume of material afforded by any analysis of the laws, anil also because of the closer community of "interests, the present volume is limited to a presentation of the laws of the United States and of Canada. The lapse of time has diminished the value of the accounts of the work done by the investigative commissions; and moreover their ends have been accomplished for the most part, so that the summary of their reports which has been presented in earlier bulletins on the subject is omitted. The complete establishment of the constitution ality of compensation laws on the one hand and the great volume to which decisions by the courts and rulings of boards and commissions have grown on the other, cause a practical omission of this por tion or previous bulletins. The abridgment of certain portions of the laws has also seemed feasible and desirable, especially those parts that relate to procedure, inasmuch as interest centers mainly on the benefit features of the acts. Therefore the present volume will set forth in analytic form the main provisions of the laws, by the aid of comparable statements in tables and charts, and the latest text, abridged in part, as amended to the end of June, 1926. PART I.— WORKMEN’S COMPENSATION LAWS OF THE UNITED STATES INTRODUCTION The first account of the action of the States of the Union and o f agencies interested in compensation legislation appeared as an article of 40 pages in Bulletin No. 90,2 September 1, 1910. Legisla tion bills, etc., of 1911 received attention in an article appearing in Bulletin No. 92/* Subsequent accounts and special analytical studies have been given in separate bulletins.4 Investigative commissions began to be provided for as early as 1903 (Massachusetts) and 1905 (Illinois), but no legislative results followed. Later commissions in both these States, and two and even three commissions in others, indicate the degree of caution with which the approach was made to the subject of compensation legislation. The following tables show the progress of action, both in the appoint ment of commissions and in the enactment of laws: STATES, ETC., IN WHICH COMMISSIONS WERE APPOINTED AND IN WHICH COM PENSATION LAWS WERE ENACTED, BY YEARS, TO JUNE 30, 1920 State, etc. Year com mission was ap pointed 1915 Alabama.... . . . . . . . . . . . . . . . . . Alaska......................... . . . . . . . Arizona . . . . . . . . . . . . . . . . . . . . . . 1919 Arkansas__. . . . . . . . . . . . . . . . . . California__ . . . . . . . . . . . . . . . . . 1911 Colorado____. . . . . . . . . . . ____ 1907 Connecticut___. . . . . . ______ 1911 Delaware . . . . . . . . . . . . . . . . . . . . District of Columbia*_____ G e o r g ia ....................... Hawaii. . . . . . . . . . . . . - - - - - - - - - Idaho . . . . . . . . . . . . . . . . . . . . . __ 1905 Illinois.................................... Indiana______ . . . __ _ _ _ _ 1913 1911 Iowa . . . . . . . . . . . . . . . . . . . . . . . Kansas___. . . . . . . . . _________ Kentucky............................... * 1915 1912 _________________ Louisiana Maine________ . . . ______ __ M a ry la n d .............—. . . . . *1913 1903 Massachusetts . . ................ 1911 Michigan . . . . . . . . . . . . . . . . . . . Minnesota_______ ________ M909 Missouri ........................... 1910 Monl&n&._. . . . . . . . . . . . . . . . . . *1910 Year compen sation law was enacted 1919 1915 1912 ’ "" m i 1915 1913 1917 1919 1920 1915 1917 1911 1915 1913 1911 / «1914 \ 1916 1914 1915 1912 1911 1912 1913 •1919 / <1909 \ 1915 State, etc. Year Year com compen mission sation was ap law was pointed enacted N e b r a s k a ..................... 1911 Nevada___ ______ . . . ______ New Hampshire.... . . . . . . . . . . New Jersey..... . . . . . . . . . . . . . . 1910 New Mexico______ ____ ____ New York..... ........................ 1909 1911 North Dakota_____________ Ohio....................................... 1910 Oklahoma_____ . . . ________ Oregon______ . . . . . . . . . . . . . . . *1911 1911 Pennsylvania____ _________ Philippine Islands__________ 1913 Porto Rico............................. Rhode Island______________ South Dakota__ ___________ 1913 Tennessee________________ 1911 Utah....................................... 1915 1913 I V e r m o n t .................____ 1916 1 Virginia.................................. W a s h in g to n .................. ^1910 ! West Virginia... . . . . . . . . . . . . . * 1911 1909 : Wisconsin.... . . . . . . . . . . . . . . . . ! W yoming___ . . . . . . . . _______ ! United States___ __________ 1910 1913 1911 1911 1911 1917 t nm \ 1913 1919 1911 1915 1913 1915 1905 1916 1912 1917 1919 1913 1917 1915 1918 1911 1913 1911 1915 j 1908 \ 1916 * Public employees only. •Rejected on referendum. *Voluntary. /Tw o laws, one (compulsory) declared unconstitu« Law declared unconstitutional. tional. *Appointed by tbe governor. * Recent action relating to employees* liability and workmen’s compensation, September, 1910. * Workmen's compensation and insurance: Laws and bills, 1911. January, 1911. « Workmen’s compensation laws of the United States and foreign countries. Bui. No. 126. December, 1913. 477 pp. Compensation legislation of 1914 and 1915. Bui. No. 185. October, 1915 408 pp. Workmen's compensation laws of the United States and foreign countries. Bui. No. 203. January* 1917. 961pp. Workmen's compensation legislation of the United States and foreign countries, 1917 and 1918. Bui. No. 243. September, 1918. 477 pp. Workmen's compensation legislation of the United States and Canada, 1919.. Bui. No. 272. January, 1921. 1211pp. Workmen's compensation legislation of the United States and Canada, 1920 to 1922. Bui. No. 332. June, 1923 260 pp. Comparison of workmen’s compensation laws. Bui. No. 240, May, 1918, 106 pp.; Bui. No. 275, 1920. 140 pp.; Bui. No. 301, April, 1922,194 pp.; Bui. No. 379, January, 1925,15 pp. charts. 3 4 W O RK M E N ’S COMPENSATION LAWS— UNITED STATES NUMBER OF WORKMEN'S COMPENSATION COMMISSIONS AND LAWS, BY YEARS Year 1903 ............ 1905 ......... 1907 ___ _ 1908 ______ 1909 1910............ Commis States, etc., ensions formed or!! noting provided original law for 1 1 2 (*) 3 8 Year | 1911_______ ! 1912 ............ j 1913............. >1 ! 1914............. 1 i 1915 1 ! 1910............. * Philippine Islands. Commis States, sions etc., en formed or acting provided original law for 12 1 7 3 1 10 4 7 2 9 1 Year Commis States, sions e tc, en formed or acting provided original law for 1917............. 1918............. 1919............. 1920............. 1 5 1 4 1 Total... 40 47 * United States. The 40 commissions above accounted for operated in 32 jurisdic tions, while laws have been enacted by the legislatures of 43 States, the Territories of Alaska and Hawaii^ the Philippine Islands, and Porto Rico, and by Congress for the civil employees of the Federal Government and for the employees of the government of the District of Columbia. Therefore not every law has been preceded by a com mission; but every commission except that of Arkansas, appointed in 1919, has been followed by the enactment of a law, though in some cases so remotely as to suggest a lack of any real connection between the two events. Indeed, the United States commission considered only a statute relating to railroad employees, as to whom no law has yet"been enacted. The year 1911 was marked by the creation of the largest number of commissions as well as by the enactment of the largest number of laws. But one investigative commission has been appointed since 1916—that of Arkansas—said to be to remove con stitutional objections in a pending bill; only four have been created since 1913, and it is obvious that the day of their usefulness is ended, either as an aid in determining the desirability of compensation legislation or of working out deviations from accepted standards so as to meet supposed local peculiarities. PROGRESS OP LEGISLATION The status of the employees of the United States, which precludes suits for damages against their employer^ the Government, led to a comparatively early enactment of provisions in their behalf which >artook, to a considerable extent, of the nature of compensation aws, though not fully representing them either in principle or opera tion. Thus as early as 1882 (22 Stat. p. 57) provision was made for certain employees of the Life-Saving Service who might suffer from accidental injuries or from disease contracted in the service. Beginning with 1900, the Post Office Department was given the authority to employ 44acting clerks in place of clerks injured while on duty” in the railway mail service, the salaries of the injured clerks being continued for not more than one year. Death benefits were added by later enactments, half pay during the second year of disabilitjr being provided, and the scope of the provisions increased so as to cover many other employees of the department. In 1908 a more general law for Federal employees was enacted to be administered by the Secretary of Commerce and Labor, but lack ing much of complete coverage and falling far short of adequacy in I PROGRESS OF LEGISLATION 5 its provisions. It remained practically unchanged, however, until in 1916 a law of general application to civil employees of the United States was passed and an administrative commission provided for. This act extends to employees of the Isthmian Canal ana the Panama Railroad, and of the Alaskan railways under Federal construction and control, but administration for these groups of employees rests with the officials in charge of the respective localities and under takings. The latest extension (1919) of the provisions of this act brings employees of the government of the District of Columbia within their scope, the law being administered in this regard by the same commission that has charge of the act as it affects civil employees of the United States generally. The first State legislation in the United States providing for stated benefits without suit and without proof of negligence was a cooperative insurance law of the State of Maryland, enacted in 1902. This law was of restricted application, affecting only min ing, quarrying, steam and street railways, and work by municipali ties in constructing any sewer, excavation, or other physical structure. This law was to be administered by the State insurance commissioner and made payment nr. absolute requirement in case of death. It was declared unconstitutional after about two years’ operation.® An act of the same legislature made quite similar provisions for coal and clay miners in Allegany and Garrett counties. The next* law within the territorial jurisdiction of the United States was an enactment by the United States Philippine Commis sion in 1905, authorizing the continuance of wages for a period during disability, but not exceeding 90 days, in case of injury re ceived by employees of the insular government in line of duty.® Next in order of time was the Montana statute of March 4, 1909, in effect October 1, 1910, providing for the maintenance of a State cooperative insurance fund for miners and laborers in and about the coal mines of the State. Contribution to the fund was com pulsory, employers to pay on the basis of the tonnage mined and employees on the basis of their monthly gross earnings. State officials were to administer the fund, and payments for death and disability were provided for. While compulsory the act was not exclusive as against injured workmen, who were permitted to sue under the employers’ liability law, though bringing suit forfeited benefits under this act. The double obligation imposed upon the employer by the act was held by the supreme court of the State to invalidate it. though in its essential features it was held to be a valid exercise of the law making power.7 The next law enacted in this field, and the last before the effect of investigations by commissions came to be influential, was a law of 1910 of Maryland, superseding and repealing the act of 1902, affect ing the coal and clay miners of Allegany and Garrett Counties. It provided for equal contributions by employers and workmen to a fund to be collected and disbursed by the treasurers of the respective counties. Administration rested with the county commissioners. * For an account of the operation of this law and the opinion declaring it unconstitu* tional see Bui. No. 57, pp. 645-648, 689. 690. The law Itself is given in Bui. No. 45, pp. 406-408. 6 Act No. 1410; see Bui. No. 71, p. 394. * For the law in full see Bui. No. 85, pp. 658-661. 6 W O BK M E N ’ s COMPENSATION LAWS— UNITED STATES Suit could be brought, but this barred compensation rights, and con versely the acceptance of benefits barred the right to sue. The fault of double liability which was held to invalidate the Montana statute was avoided in tliis law by a provision which authorized an employer who had defended a suit and against whom judgment had beien rendered to deduct, on compliance with certain conditions, the amount of such judgment and costs from the payments thereafter to be made by lnm to the county fund.8 It is to be observed of the foregoing legislation, antedating what may be called the commission period, that it is of limited application, either as to the locality or classes of employees affected; also that there appears to have been little regard to compensation principles as at present understood. The remaining laws to be noticed may be said to be of general application, and have either followed the in vestigations of commissions or have been enacted under conditions making the results of such commissions available to those interested. The first of the laws of this class is the elective compensation law of New York, 1910,9 followed at the same session by a compulsory law for hazardous occupations. The latter law was cleclared uncon stitutional after a very brief term of existence, but after an amend ment to the constitution a new law was passed which has been sus tained by both the State and the Federal courts. * Of the 10 laws enacted in 1911, 7 provided for simple compensa tion, 3 containing also provisions for insurance; while in 1912, three States enacted compensation laws and one an insurance law; in 1913 seven States were added to the list, in five of which compen sation only was provided for, while in two there is also a system of insurance. In 1914 compensation laws were enacted in two States, though in one (Kentucky) the law was declared unconstitutional before the time for it to take effect. Of the 10 new laws enacted in 1915 (one taking the place of the unconstitutional statute of Mon tana), 9 provided for compensation merely, while 1 established an insurance system. A new compensation law was passed in Kentucky in 1916, in lieu of the earlier law declared unconstitutional; this and a law of Porto Iiico which requires the insurance of the lia bilities fixed by it are the only new laws of the year, though impor tant amendments were made in Louisiana and New York. Indeed, practically every year is marked by amendments whose tendency is in general to strengthen the laws and enlarge their scope. The extension of compensation legislation to five additional States in 1917, one in 1918, four in 1919, besides the inclusion of pub lic employees of the District of Columbia, and one in 1920, marks the present bounds of compensation legislation. O f these, two of the laws of 1918, one in 1919, and the Arizona law of 1925, provide for a State insurance system, though in only one of them is this system exclusive. The Missouri enactment of 1919 was rejected by a referendum vote, as was one of 1923. A new enactment (1925) was voted on in November, 1926, and sustained, coming into effect as to compensation on January 9, 1927. 8 This act is given in Bui. No. 01, pp. 1066-1070; amendments enacted in 1012 appear In B«l. No. I l l , pp. 88, 80. * Repealed, ch. 015, Acts of 1022. PROGRESS OF LEGISLATION The following table shows in chronological order the States, etc.,10 that have enacted compensation laws: STATES HAVING COMPENSATION LAWS, WITH THE DATE OF Til KIR ENACTMENT AND COMING INTO EFFECT State United States Washington........ Kansas................ Nevada............... New Jersey......... California............ New Hampshire. Wisconsin........... Illinois................ Ohio................... Massachusetts Michigan............ Rhode Island___ Arizona............... West Virginia___ Oregon................ Texas.................. Iowa................... Nebraska............ Minnesota.......... Connecticut........ New York *......... Maryland........... Louisiana........... Approved May 3a 1906 Mar. 14,1911 .do. Mar. 24,1911 Apr. 4,1911 Apr. 8,1911 Apr. 15,1911 Alay 3,1911 Juno 10,1911 June 15,1911 July 28,1911 Mar. 2a 1912 Apr. 29,1912 June 8,1912 Fob. 22,1913 Feb. 25,1913 Apr. 16,1913 Apr. 18,1913 Apr. 21,1913 Apr. 24,1913 May 29,1913 Dec. 16,1913 Apr. 16,1914 June 18,1914 Effective Aug. Oct. Jan. July July Sept. Jan. May May Jan. July Sept. Oct. Sept. Oct. July Sept. July July Oct. Jan. July Nov. Jan. 1,1908 1.1911 1.1912 1.1911 4.1911 1.1911 1.1912 3.1911 1.1912 1.1912 1.1912 1.1912 1.1912 1.1912 1.1913 1.1914 1.1913 1.1914 17,1913 1.1913 1.1914 1.1914 1.1914 1.1915 State Approved Wyoming................ Indiana................... Montana *............... Oklahoma............... Vermont.................. Maine..................... Colorado................. Hawaii.................... Alaska..................... Pennsylvania.......... Kentucky *............. Porto liico.............. South Dakota......... New Mexico........... Utah....................... Idaho...............- ___ Delaware................ Virginia................... North Dakota......... Tennessee.............. . Dist. of Columbia *. Alabama................. Georgia.................. . Missouri3................ Feb. 27,1915 Mar. 8,1915 .do. Mar. 22,1915 Apr. M915 ----- d o .......... Apr. 10,1915 Apr. 28,1915 Apr. 29,1915 June 2,1915 Mar. 23,1916 Apr. 13,1916 Mar. ia 1917 Mar. 13,1917 Mar. 15,1917 Mar. 16,1917 Apr. 2,1917 Mar. 21,1918 Mar. 5,1919 Apr. 15,1919 July 11,1919 Aug. 23,1919 Aug. 17,1920 Apr. 3a 1925 Effective Apr. 1.1915 Sept. 1.1915 July 1.1915 Sept. 1.1915 July 1.1915 Jan. 1.1916 Aug. 1.1915 July 1.1915 July 28,1915 Jan. 1,1916 Aug. 1.1916 . July 1.1916 June 1.1917 June 8.1917 July 1.1917 Jan. 1.1918 Do. Jan. 1,1919 July 1,1919 Do. July 1,1919 Jan. 1,1920 Mar. 1,1921 Nov. 16,1926 [ i Public employees only. 1Earlier laws of Montana (1909), New York <1910), and Kentucky (1914) were declared unconstitutional. * The law of Missouri was suspended awaiting the results of a referendum. The dates given above are the dates of the actual inception of com pensation methods in the various jurisdictions. As indicated by the footnotes, earlier laws were enacted in a few States, but were never really operative. The existing laws of a number of jurisdictions, widely differing in some instances from those enacted at the dates given above, are of more recent enactment ; but the operation of a compensation law has been continuous since the original act became effective. There are therefore but five States in the southeastern portion of the Union that are at present without compensation laws. It also rests with Congress to provide for private employments in the District of Columbia and for interstate employees in transporta tion and for maritime workers. A bill for an act entitled “ Long shoremen’s and harbor workers’ compensation act ” passed the Sen ate June 3, 1926, and is in the hands of the House Judiciary Committee for consideration when Congress convenes in its second session. Besides the statutory enactments noted above, there have been con stitutional provisions made in a number of States, adopted with a view to the removal or forestalling of objections to compensation legislation on grounds of constitutionality. Thus the constitution of Arizona, .adopted on the admission of that State into the Union in 1910 (amended 1925), provides specifically for the enactment of a compensation law. Amendments in favor of such legislation were 10 In the discussion that follows the word “ State ” will be used to include all jurisdic tions, Territorial and other. 8 w orkm en's COMPENSATION LAWS— UNITED STATES adopted in 1911 in California, in 1912 in Ohio (again amended, 1928), in 1913 in New York and Vermont, in 1914 in Wyoming, and in 1915 in Pennsylvania. In Oklahoma alone, of all the 8tates where the question has been submitted to the people, was such an amendment rejected. This took place on August 1, 1916, the amendment failing along with eight others submitted at the time. Of this it has been said that the questions passed upon were rejected as a whole on ac count of other facts than the attitude of the public toward this par ticular subject. The importance of such amendments to the constitution as pre liminary to the enactment of compulsory laws has been greatly dis counted by reason of decisions of the Supreme Court of the United States upholding compensation laws of various types and form as not in conflict with constitutional provisions; so that in the absence of specific limitations which may be found by way of exception in some State constitutions no bar appears to the enactment o f a com pensation law compulsory in form and of general application. How ever, in but two States" (California and Illinois) thus far has an original elective law been supplanted by a compulsory one. TYPES OP LAWS The rapid growth of compensation legislation, involving, as it has, the almost simultaneous enactment of laws in a number of States, has operated to prevent the adoption of any one form of law as a type, so that, although a single fundamental principle underlies the entire group of laws of this class, its expression and application pre sent great, diversity of details in the different States. This extends not only to the primary factors of the scope of the laws and the amount of compensation payable under them out also to the matter of making the laws compulsory or voluntary in their acceptance, the securing or not securing the payments of* the benefits, the mode of securing where it is required, methods of administration, of election or rejection, etc. No fixed form of analysis or summary presentation can give in complete detail the provisions of the laws under consideration. They relate not only to the compensation of accidents but to accidcnt re porting, safety provisions, the enforcement of safety laws, the estab lishment of Insurance systems, premium rates, investments, the scal ing of payments in cases of certain forms of negligence or their in crease under certain conditions, procedure in arbitration, forms of appeal, and a great variety of subjects on which it would be impos sible to generalize, and which can be discovered only by a reading of the individual statutes, though the use of the index to the laws will aid in this. The adoption by a few States of laws generally similar can be clearly recognized, but it is obvious that at the present time it can not be said that any one type of law is predominantly approved. However, it seems none the less certain that the welfare of both employer and employee, as well as the public interest generally, would be served by the general adoption of uniform laws, just and certain in their operations, and not dependent for their acceptance on the personal views or interests of individuals or groups of in dividuals. TYPES OF LAWS 9 It is encouraging to note in this connection that, though there is such diversity, and a manifest disposition on the part of some admin istrative and legislative bodies to regard variations as warranted by local conditions, if not absolutely desirable, there are certain discov erable tendencies to move in a common direction, and thus approach a common end. In several States amendments have been made at every session of the legislature 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 in 4 States and 66% in 32, besides the Federal statutes; so that 24 States, as against 20 at the beginning of the year 1920, pay 60 per cent or move. In 1020, 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 13 pay $.18 or more, as against 5 at the earlier date. The waiting time is now less than one week in 9 jurisdictions, one week in 28, and more than one week in 10, while at the earlier date only 4 laws fixed a waiting time of less than one week, 22 of one week*, and 20 of more than one 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 disability payments is correspondingly extended The restriction on 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. In most States (32) 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 1011 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. I f 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. u Kentucky, Maine, Massachusetts, Michigan, Montana, Nevada, New Hampshire, Rhode Island, Texas, and West Virginia. 10 w orkm en 's COMPENSATION LAWS----UNITED STATES The laws are compulsory in 14 States, neither employer nor em ployee having the option of choosing another remedy, except in Arizona, where a workman may elect prior to the injury not to come under the act. Suit is permitted in a number of States if the em ployer has failed to insure or permits premiums to remain unpaid. No law is of complete coverage, and the terms elective ” and u 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 uvoluntary” in the chart presented later, and may require the joint positive action of both employer and employee. The following map indicates the extent of compensation legislation in the United States, and whether its acceptance is elective or com pulsory; also what States have insurance funds managed by State officials, and whether exclusive or competing with other insurance carriers. An analysis of the law of each State, in comparable form, is pre sented on the succeeding pages. HO CQifflSiSATIQH U5JT ACCEPTANCE ELECTIVE ACCKWAHCE COiiPULSORY fTT'fll I'l STATE INSURANCE FUND EXCIUSIVE COMPETITIVE ANALYSIS OF THE PRINCIPAL FEATURES OF THE LAWS ALABAMA Date of enaai ment.—August 23, 1919. Effective January 1, 1920. Injuries compensated.—Injuries caused by accident arising out of and in tlie course of the employment, causing disability for more than two weeks, or death, not caused by employee’s willful misconduct, intoxication, or willful failure to observe rules or statutory duties. Industries covered.—All except those employing less than 16 persons, cominon curriers while engaged in interstate commerce, and domestic and agricul tural service. Municipalities and employers of less than 1G employees (except farm laborers), may elect to come under the act. Persons compensated.—Private employment: All persons in the Industries covered, including minors, but excepting casual employees not in the usual course of the employer’s trade or business. Public employment: Not covered unless employer elects. Compensation for death: (<0 Expenses of last sickness and burial, in addition to required medical, etc., treatment, not to exceed $100. (ft) Total dependents: To widow, 30 per cent of wages; to dependent hus band, 25 per cent; to widow or widower and one child, 40 per cent; to widow or widower and two or three children, 50 per cent: to widow or widower and four or more children, 60 per cent; to depend ent orphan, 30 per cent; for each additional orphan, 10 per cent, maximum 00 per cent; to one parent, 25 per cent, both. 35 per cent; to grandparent, brother, sister, mother-in-law, father-in-law, if one, 20 per cent, if more than one 25 per cent. Compensation payable in the order named and ceases on death or re marriage, and upon arrival of children at age of 18. (c) To partial dependents: A proportion of the above corresponding to the relation the contribution of the deceased to their support bore to bis wages. Maximum weekly payment, $12 to $15, according to number of de pendents: minimum, $5, or actual wages. Total period. 300 weeks including disability payments, if any; total maximum, $5,000. Compensation for disability: ( a) Reasonable medical, etc., treatment for the first 60 days, not exceeding $100. (5) For temporary total disability, 50 per cent of wages for not over 300 weeks. (c) For partial disability, 50 per cent of wage loss for not over 300 weeks. For certain specific injuries (mutilations, etc.), 50 per cent of wages for fixed periods (10 to 400 weeks). (d) For permanent total disability, 50 per cent of wages for 550 weeks, not over $5 weekly after 400 weeks. Maximum weekly payments, $12; with one wholly dependent child, $13; with two children, $14; with three or more children, $15; mini mum, $5. or actual wages. Compensation may be commuted to lump-sum payments by agreement or by the court. Revision of benefits.—Awards payable for more than six months may be revised by agreement or by court. Insurance.—Employers may insure whole or part of compensation. Insur ance not required. Security for payments.—Compensation is not assignable, nor subject to gar nishment, and is entitled to the same preferences as unpaid wages. Settlement of disputes.—Settlements not made by agreement are determined by the courts. 12 ANALYSIS OF LAWS— ALASKA 13 ALASKA Date of enactment.—April 29, 1915, in effect July 28, 1915. Amended 1917, chapter 44; new act, 1923, chapter 98; approved May 4 ; in effect August 2, 1923; amended 1925. Jiapter 63. Injuries compensated.—Personal injury causing disability for more than one week, or death, arising out of and in the course of employment, not due to the employee's willful intention to injure himself or another or to his intoxica tion. Industrie covered.—All private employments in which five or more persons are employed, unless election to the contrary is made; domestic service, agricul ture, and the operation of railroads as common carriers excepted. Persons compensated,—Private employment: AU employees in industries cov ered, contractors and subcontractors exciurled. Public employment not in cluded. Compensation for death: (a) If married, $3,900 to widow, $780 additional for each child under 16 years of age. or child wholly dependent by reason of mental or physical incompetency, or unborn or posthumous child, and to de pendent parent or parents if any; if no widow, $3,900 to any minor orphan, and $780 additional for each child under 16; no total to exceed $7,800. (&) I f unmarried, and dependent parent or parents, $.1,560 to each. (c) If no dependents, funeral expenses not to exceed $195, and other ex penses, if any, to same amount. Compensation for disability: (a) Reasonably necessary medical and hospital treatment for not more than one year, for which employer may deduct $2.50 per month from wages of each employee for separate fund. (b) Permanent total: $4,680 to workman alone; $6,240 if married, $780 additional for each child under 16, posthumous child, or child over 16, dependent by reason of physical or mental incompetency; total not to exceed $7,800. If no wife or children, but dependent par ents, $780 for each. (c) Temporary total disability: 50 per cent of weekly wages during its continuance. (d) Permanent partial disability: Fixed sums for specified injuries in lieu of other payments, varying with conjugal condition and number of children, maximum $6,240. Revision of benefits.—Readjustment must be made if within two years an injury develops or proves to be such as to warrant a higher award from that previously made. Insurance.—No provision. Security of payments.—Attachment may be had pending result of action, or employer may deposit cash or bond with court. Payments are exempt from execution. Settlement of disputes.—By courts, either with or without jury trial. 14 W O RK M E N ’S COMPENSATION LAWS— UNITED STATES ARIZONA Date of enactment.—June 8, 1912; in effect September 1, 1912. Amended 1913, chapter 7; new act, 1925, chapter 88; approved March 24, 1925; in effect January 7, 1926 (on declaration of constitutionality). Injuries compensated.—All personal injuries causing disability for more than seven days, or death, due to accident, arising out of or in the course of the employment, not purposely self-inflicted. Industries covered.—All having in service three or more workmen regularly employed in the same business or in or about the same establishment, except agricultural workers not employed in the use of machinery, and domestic servants; elective as to excepted employments. Persons compensated.—Private employment: All employees in industries covered, except casual and not in the usual course of trade or business of the employer. Public employment: Included except elective officials and those receiving more than $2,400 annual salary. Compensation for death: (a) Burial expenses, not to exceed $150. (&) To the widow or wholly dependent widower, 35 per cent of the aver age wage until death or remarriage, 15 per cent additional for each child under 18 years of age. If one orphan child, 25 per cent, 15 per cent additional for each other child. If none of the above, and a wholly dependent parent, 25 per cent, 15 per cent additional if two. If dependent brothers or sisters under 18, 25 per cent of wage if one, 35 per cent if more than one. No total may exceed 66% per cent of wages. (c) To partial dependents such proportion of foregoing benefits as the amount contributed bears to the average wage of the deceased, for not over 100 months. (d) If no dependents, $850 to a rehabilitation fund. Widows remarrying receive two years* benefits in one sum. Payments to minors cease at 18, or if over 18 and incapable of self-support, on becoming capable. Compensation for disability: (а) Medical, surgical, and hospital treatment and supplies, including arti ficial members, for 90 days; one year if commission directs. Onehalf costs, not over $1 per month from each employee, may be deducted from wages. ( б) For total disability, 65 per cent of wages for not over 100 months, if temporary, with $10 monthly additional if a dependent or depend ents in the United States; if permanent, 65 per cent of wages for life. (o) For partial disability, 65 per ceut of the wage loss for not over 60 months if temporary; schedule for specific injuries, in addition to temporary total disability payments. Special rule for hernias. Revision of benefits.—Awards may be revised on application if change of circumstances warrant. Insurance.—Required in the State fund, stock or mutual company, or proof of financial ability to pay direct compensation. Public employees must be insured in the State fund. Security of payments.—Insurers are primarily liable to a workman or his beneficiaries. Notice to the employer is notice to the insurer; insolvency does not relieve insurer. The award, when docketed in the office of a county clerk, is a lien upon the real property of the employer situated in that county for a period of 8 years. Settlement of disputes.—Disputes are settled by the industrial commission, with appeal to courts. ANALYSIS OF LAWS— CALIFORNIA 15 CALIFORNIA Date of enactment.—April 8, 1011, in effect September 1, 1011; new act, chapter 176, acts of 1013, in effect January 1, 1014; new act, chapter 586, acts of 1017, in effect January 1, 1018. Amended, 1010, chapter 471; 1023, chapters 00, 161, 370, 381; 1025, chapters 300, 354, 355, 383. Injuries compensated.—Injuries or disease arising out of and in the course of employment, including injuries to artificial members, causing disability for more than 7 days, or death, not intentionally self-inflicted and not the result of the intoxication of the injured employee. Industries covered.—All except agriculture and domestic service, which services may come under the act by joint election. Persons compensated.—Private employment: All employees, including ap prentices and aliens, excepting casual employees not in the course of the employer’s trade or business. Public employment: Persons employed by the State and its political subdivisions and all public corporations, including officers and enlisted men of the National Guard. Compensation for death: (a) The reasonable expense of burial, not exceeding $150. (b) To persons wholly dependent, three times the annual earnings of the deceased employee; not less than $1,000 nor more than $5,000, pay able at least semimonthly in installments equal to 65 per cent of the wages. Payments to children cease on their reaching the age of 18 years, unless mentally or physically incapacitated for earning a living. <c ) If only partial dependents survive, three times the annual contribu tion of the deceased to their support, subject to the same limitations as above. (d) If no dependents, burial expenses, not exceeding $150. Any disability payments made and burial expenses paid are to be considered as parts of the foregoing totals. Compensation for disability: (а) Such medical, surgical, and hospital treatment as may reasonably be required to cure and relieve from effects of injury. ( б) For temporary total disability, 65 per cent of average weekly earnings during such disability. (c) For temporary partial disability, 65 per cent of weekly loss of wages during such disability. (cf) For permanent disability, 65 per cent of average weekly earnings for l>eriods varying from 4 to 240 weeks, according to the degree of disability. After the expiration of 240 weeks a further benefit vary ing from 10 to 40 per cent of the weekly earnings is payable during the remainder of life, when the degree of disability reaches or exceeds 70 per cent. The aggregate amount of benefits for a single injury causing temporary disability is limited to three times the annual earnings of the injured person, with a maximum benefit period of 240 weeks. In case of permanent incapacity or death, a lump sum may be substi tuted for benefits, such lump sum to equal the present value of the benefits computed at 6 per cent. Average weekly earnings shall be considered as not less than $6.41 nor more than $32.05. Revision of benefits.—Decisions and awards may be reviewed at any time during the first 245 weeks, after legal notice received. Insurance.—Insurance is required in the State insurance fund or in an authorized insurance company, unless the employer furnishes proof of ability to carry his own insurance. Municipalities are required to insure in the State fund unless the risk is refused. Security of payments.—A claim for injury or death of an employee or any award shall have the same preference over other unsecured debts as is given by law to claims for wages, but not so as to impair a lien of a previous award. Policies inure directly to the benefit of employees, who also have a first lien on any amount due the employer from the insurance company. Self-insurers may be required to give bond or deposit securities. Settlement of disputes.—Disputes are settled by the State industrial accident commission, subject to a limited review by the courts. 16 W O RK M E N ’S COMPENSATION LAWS— UNITED STATES COLORADO Date of enactment.—April 10, 1915; in effect August 1, 1015. Reenacted, chapter 210, Acts of 1919; amended 1923, chapters 200, 201, 202, 203; 1925, chapter 182. Injuries compensated.—Injuries caused by accident arising out of and in course of employment, not intentionally self-inflicted, and causing death within two years or disability for more than 10 dgys. Industries covered.—All, except interstate commerce and domestic and agri cultural labor, in which four or more persons atfe employed, if employers elect to come under the a ct; others may elect, but lose no defenses if they do not. Persons compensated.—Private employment: All employees, excluding those whose work is but casual and not in the usual course of the employer's busi ness. Public employees: Ail under any appointment or contract of hire; elec tive officials and officers and enlisted men of the National Guard excluded. Compensation for death: (a) Burial expenses, not to exceed $125. (&) To persons wholly dependent, including acknowledged illegitimate children, 50 per cent of the weekly wages for six years, $12 maxi mum, $5 minimum, total not to exceed $3,750. If death occurs from any cause during receipt of disability benefits, any unaccrued and unpaid remainder goes to dependents, not to exceed $3,750. (0) If only partial dependents survive, 50 per cent of the weekly wages, $12 maximum, $5 minimum, for such part of six years as required to pay amouut of award. If death occurs from any causc during the receipt of disability benefits, partial dependents shall receive proportionate amounts of the unpaid award, not to exceed $3,750. {d) If no dependents, funeral expenses, not over $125. (e) Payments to any beneficiary cease on death; to widow or dependent widower on remarriage, but a lump sum equal to one-half the un paid balance shall be paid to the spouse if there arc no children; if there are dependent children, the unpaid balance is payable to them; to children, on reachiug the age of 18, unless incapacitated. Payments lapsing for any reason go to surviving dependents, if tiny. Benefits to aliens are one-fourth the amounts payable to citizens. Compensation for disability: (a) Medical and surgical assistance for first 00 days, not more than $200 in value and $100 for dental services. (l>) For temporary tolal disability, 50 per cent of weekly wages during continuance, $5 minimum, $12 maximum; full wages if less than $5. (c) For pcrmauent total disability. 50 per cent of average weekly wages, maximum $12, minimum $5, for life. (d) For permanent partial disability, 50 per cent of the weekly wage decrease, $12 maximum: total not to exceed $3,120. Special schedule for specified injuries, 50 per cent of weekly wages for periods rang ing from 4 to 208 weeks, in addition to other payments. Facial dis figurements, not exceeding $500. ( e ) For temporary partial disability, 50 per cent of wage loss during disability; maximum $12, minimum $5, aggregate maximum $1,560. Payments may be commuted to a lump sum after six months. Revision of benefits.—Awards may be reviewed after making, and may be appealed from within 20 days. li snrance.—Insurance in State fund, stock, or mutual company, or proof of financial ability to make payments, is required. Public employees must be insured in the State fund. Security of payments.—Insurers are primarily liable to a workman or his beneficiaries entitled to benefits; notice to employer is notice to insurer; insolvency of employer does not release insurer. Claims are not assignable, and payments are exempt from attachment or execution. Claims to have same preference as to lien as wages, but not limited as to amount. Settlement of disputes.—Disputes are determined by the industrial commis sion, with limited appeal to courts. ANALYSIS OF LAWS— CONNECTICUT 17 CONNECTICUT Date of enactment.—May 21). 1913: in effect January 1, 1914. Amended, 1915, chapter 228; 1917, chapter 308; 1918, chapter 284; 1919, chapter 142; 1921, chapters 148, 306; 1925, chapter 247. Injuries compensated.—All injuries arising out of and in the course of em ployment, disability of more than seven days, or death, except when injury Is caused by willful and serious misconduct of the injured employee, or by his intoxication. Occupational diseases are included. Industries covercd.—All industries in which live or more persons are em ployed, in absence of contrary election by employer; others may elect. Persons compensated.—Private employment: Ali employees of an employer accepting the act, in absence of contrary election, outworkers and casual em ployees who are employed otherwise than for the purposes of the employer’s business excepted. Public employment: Employees of the State and any public corporation within the State using the services of another for pay. Compensation for death: (a) $100 for burial expenses. (&) To persons wholly dependent, a weekly compensation equal to one-half the earnings of the deceased employee. (c ) If only partial dependents survive, a weekly compensation, determined according to the measure of dependence, not exceeding one-half the earnings of the deceased employee. (<Z) Compensation shall in no case be more than $18 or less than $5 weekly, and shall not continue longer than 312 weeks. A widow’s or widower’s dependence ceases with remarriage, and a child’s upon reaching 18 years of age, unless physically or mentally incapacitated. If a widow or dependent widower remarries or dies during the term of benefit payments, subsequent payments go to other dependents, if any. Compensation for disability: (а) Reasonable medical and surgical aid and hospital service. ( б) For total disability, a weekly compensation equal to one-half the employee’s earnings, not more than $21 or less than $5 weekly, or for longer than 520 weeks. (o) For partial disability, a weekly compensation equal to one-half the wage loss, but not more than $21 per week, or for longer than 520 weeks. For specified Injuries causing permanent partial disability, one-half the average weekly earnings for fixed periods in addition to compensation for temporary total disability. Lump-sum payments may be approved by the commissioner, provided they equal the value of the compensation. Revision of benefits.—Review may be had upon request of either party, when ever it shall appear to the compensation commissioner that the incapacity or the measure of dependence has changed. The commissioner retains control over awards during their whole period, with power to take proper action thereon at any time. Insurance.—Approved schemes may be substituted, provided the benefits are equivalent to those provided by law. Insurance may be taken in approved stock or mutual companies or associations. Security of payments.—Employer must furnish the insurance commissioner satisfactory proof of his solvency and financial ability to pay awards, file satis factory security with the insurance commissioner, or insure in approved stock or mutual companies or associations. Payments are not assignable, are exempt from execution, and are entitled to the same preference as wage debts. Settlement of disputes.—Disputes are to be settled by the compensation com missioners. Appeals from findings and awards of any commissioner may be made to the superior court of the county without cost to either party. 18 W O R K M E N ^ COMPENSATION LrAWS— UNITED STATES DELAWARE Date of enactment.—April 2, 1917; in effect January 1, 1918. Amended, 1919, chapter 203; 1921, chapter 180; 1923, chapter 206. Injuries compensated.—Injuries by accident arising out of and in course of employment, causing disability for more than 14 days, or death within one year, and not due to the employee's intoxication or willful negligence or intent to injure himself or another. Industries covered.—All, except agriculture and domestic service, in which five or more persons arc employed, unless contrary election is made. Persons compensated.—Private employment: All persons under contract tor hire for a valuable consideration except casual employees not in the regular course of the trade or business-of the employer, and outworkers. Public em ployment: Not included, except employees of city of Wilmington. Compensation in case of death: (a) Funeral expenses, not exceeding $100. (fe) To the widow or widower alone, 25 per cent of the wages of the deceased employee; if one child, 40 per cent, and 5 per cent for each additional child; not over 60 per cent in all. If one or two orphan children, 25 per cent, and 10 per cent for each additional child, the total not to exceed 60 per cent. If none of the foregoing, and a dependent parent or parents survive, 20 per cent; if no parents, to dependent brothers or sisters, 15 per cent for one, with 5 per cent for each additional, the total not to exceed 25 per cent. Aliens (widows and children only) receive one-lialf the above amounts. Payments are for a period of 285 weeks, minus any disability benefits paid the injured person prior to h4s death, but cease on the death of a beneficiary, the remarriage of a widow or widower, or on a child attaining the age of 16 years; but orphan children or those aban doned by the surviving parent continue to receive benefits until Ihe age of 16, regardless of the limitation of 285 weeks. Shares lapsing are redistributed. Wages used in computing death benefits shall be reckoned as not less than $10 nor more than $30 per week. Compensation for disability: (a) Medical and surgical aid as may be reasonably required during the first 30 days, unless refused by the employee, but not to exceed $100; board may direct additional amount. (b) For total disability, for not over 475 weeks, 50 per cent of the in jured person’s wages, not more than $15 nor less than $5 per week, unless the wages were less, the total not to exceed $4,000. (c) For partial disability, 50 per cent of the wage loss, not more than $15 per week, for not more than 285 weeks; for specified injuries, 50 per cent of the wages for fixed periods, in lieu of all other payments, the amount to be not more than $15 nor less than $5, per week, unless the wages were less. Periodical payments may be commuted to lump sums on the applica tion of either party, with due notice to the other. Rt vision of benefits.—On application of any party in interest, but not oftener than once in six months, a review of awards may be had and changes made as the condition of the injured person or the status of beneficiaries may warrant. Insurance.—Insurance is required in an approved organization, unless ade quate proof of the employer’s financial ability to meet obligations is furnished. Self-insurers may be required to give bond or make a deposit to secure the payment of liabilities. Security of payments.—Policies must inure directly to the benefit of the per son entitled to compensation. Payments have the same priority as wage debts, and are not subject to assignment or execution. Settlement of disputes.—Disputes are settled by the State industrial accident board, subject to appeal to the courts, to be tried without the aid of a jury. ANALYSIS OF LAWS— DISTRICT OP COLUMBIA 19 DISTRICT OF COLUMBIA Date of enactment.—July 11, 1910; in effect July 1, 1919. This act extends the provisions of the act compensating civil employees of the United States to “ employees of the government of the District of Columbia so far as they may be applicable,” except pensionable members of the police and fire departments. For analysis, see page 59. 20 WORKMEN ’g COMPENSATION LAWS— UNITED STATES GEORGIA Date of enactment.—August 17, 1920; in effect March 1, 1921. Amended, 1922, pages 77, 185; 1923, page 92; 1925, page 282. Injuries compensated.—Personal injuries l>y accident arising out of and in course of the employment, causing death or disability for more than 7 days, not due to the injured employee's willful misconduct, intoxication, violation of safety provisions, or the willful act of a third person not due to the employment. Industrie# covered.—All where 10 or more persons are employed, excepting agriculture and domestic service, common carriers using steam power, and institutions operated as public charities, all iu the absence of contrary election. Small establishments may make election to come under the act. Persons comi>ema1<’d.—Private employment: All employees in establishments covered, except casual employees. Public employment: Employees of municipal corporations and political subdivisions of the State. Compensation for death: (a) Burial expenses not to exceed $100. (b) To persons wholly dependent, 85 per cent of the benefits provided for total disability for 300 weeks. (c) To persons partly dependent, a payment proportionate to the decedent’s contribution to their support. Payments continue for not over 300 weeks from the date of injury, $12.75 maximum, the total not to exceed $5,000. They cease on the remarriage of a widow or widower, or on a child reaching the age of 18 unless incapacitated for earning. Payments to nonresident aliens, other than in Canada, may not exceed $1,000. Compensation for disability: (a) Necessary medical attention for not more than 80 days, the cost not to exceed $100. (&) For total disability, one-half the weekly wages, not more than $15 nor less than 4, or full wages for not more than 350 weeks; the total not to exceed $5,000. $5,000. (o) For partial disability. 50 per cent of the wage loss, not more than $12 per week, for not more than 300 weeks; fixed periods for specified injuries, in lieu of all other compensation except for a period of not over 10 weeks’ total disability. Any weekly payment may be commuted to a lump sum after 26 weeks if the parties agree and the commission approves. Revision of benefits.—The commission may at any time review' an award or agreement, either on its own motion or on application of either party. Insurance.—Insurance in a licensed stock or mutual company, or a reciprocal association, is required unless satisfactory proof is given to act as a selfinsurer. Security of payments.—Evidence of insurance must be filed, policies must inure directly to beneficiaries, payments have same preference as wage debts, and are exempt from assignment, Attachment, etc. Settlement of disputes.—Disputes are settled by an industrial commission subject to appeal to the courts. ANALYSIS OF LAWS— H AW AII 21 HAWAII Date of enactment.—April 28, 1915; in effect July 1, 1915; amended, 1917, No. 227; 1923, No. 249. Injuries compensated.—Personal injury by accident arising out of and in course of employment, including occupational diseases, causing disability for more than seven days or death within six months, and not due to the employee’s intention to injure himself or another or to liis intoxication. Industries covered.—All public and all industrial employment for pecuniary gain. Persons compensated.—Private employment: All persons under contract of employment or apprenticeship, other than casual employees, whose pay does not exceed $36 per week. Public employment: All except elective officials and em ployees who receive salaries in excess of $1,800 per year. Compensation for death: (а) $100 funeral expenses. ( б) Forty per cent of the average weekly wages to widow or dependent widower alone, 50 per cent if one or two dependent children, 60 per cent if three or more; 30 per cent to one or two orphans, 10 per cent additional for each child in excess of two, total ikot to exceed 50 per cent. If no consort or child, but other dependents, 25 to 40 per cent. (c) Payments to widow cease on death or remarriage, and to widower on termination of disability or remarriage; to child on reaching age of 16, unless incapable of self-support, when they may continue to 18; to other beneficiaries on termination of disability; no payments except to children to continue longer than 312 weeks. Basic wages not less than $5 nor more than $36 weekly. Maximum benefits, $5,000. Compensation for disability: (a) Reasonable surgical, medical, and hospital services during disability. ( b) For total disability, 60 per cent of weekly wages, $5 minimum, $20 maximum, for not longer than 312 weeks; total not to exceed $5,000. If wages are less than $5, full wages will be paid unless disability is permanent, when $5 will be paid. (o) For partial disability, CO per cent of wage decrease, $12 maximum, not over 312 weeks; total not to exceed $5,000. Fixed awards are made for specified injuries in addition to total or partial disability benefits. Payments may be commuted to one or more lump sums in any case. Revision of benefits.—Agreements or awards may be reviewed at any time, but not oftener than once in six months. Insurance.—Private employers must carry insurance, secure guaranty insur ance, deposit security, or furnish proof of financial ability to make payments. Security of payments.—Payments are preferred claims, the same «s wago debts. Employees have direct recourse to insuring company: insolvency of employer does not release insurer. Settlement of dispute*.—Industrial accident, boards for each county with aid of a committee of arbitration, if desired by either party; appeals to courts. 22 W O RK M E N ’S COMPENSATION LAWS— UNITED STATES IDAHO Date of enactment.—March 16, 1917: in effect January 1, 1918. Amended 1921, chapters 217, 220; 1925, chapter 129. Injuries compensated.—Injury by accident arising out of and in course of employment, not due to the employee’s willful intention to injure himself or another or to his intoxication, causing death within two years, or disability for more than seven days. Industries covered.—Compulsorily, all public employment and all private em ployment carried on by the employer for pecuniary gain, except agricultural and domestic service, range laborers, and employment by charitable organiza tions. Exempted industries included by written agreement of both parties. Persons compensated.—Private employment: All employees except casual, outworkers, and members of the employer’s family dwelling in his house. Public employment: All except those receiving salaries in excess of $2,400 per annum and elected officials. Compensation for death: (a) Burial expenses not to exceed $200. (b) To a dependent widow or widower alone, 45 per cent of the employee’s average weekly wages; if a child or children, 55 per cent. Orphan children receive 25 per cent if one, and 10 per cent additional for each child more than one, the total not to exceed 55 per cent. To a dependent parent or pavents, any sum not paid to the foregoing, the total not to exceed 55 per cent; if no spouse or child, 25 per cent to one dependent parent or 20 per cent to each if both are dependent; other dependents may receive benefits within the 55 per cent limits. (c) If there are no dependents, the employer shall pay $1,000 into the in dustrial administration fund. (d) No payment shall extend beyond 400 weeks, and shall terminate on the death or remarriage of a widow or widower, on a child reach ing the age of 38 unless incapable of self-support, or on a parent or grandparent ceasing to be dependent. Benefits terminating before the end of 400 weeks may be reapportioned. Death benefits may not exceed $12 per week nor be less than $6, or the actual weekly earnings if less than $6. Alien dependents receive only 50 per cent of the above compensation. Compensation for disability: (a) Reasonable medical, surgical, and hospital service, and crutches and apparatus as may be required or requested at the time of the. injury and for a reasonable period thereafter. (b) For total disability, 55 per cent of the injured person's wages, not less than $G nor more than $12 for 400 weeks, and $6 per week thereafter, additional allowances for wife and children, total not to exceed $16 per week. (c) For partial disability, 55 per cent of the wage loss for not more than 150 weeks; nor more than the amounts allowed for total disability; schedule for designated permanent partial disabilities, ranging from 3 to 200 weeks, in addition to other payments. Lump-sum settlements may be approved for part or all the benefits, for either disability or death. Revision of benefits.—Agreements or awards may be reviewed on the appli cation of either party, but not oftener than once in six months. Insurance.—Employers must insure in the State insurance fund or deposit satisfactory security or surety bond to guarantee payments. Security of payments.—Policies of insurance in the State fund and all guaranty contracts must provide that the employee may have direct recourse thereto, and the insolvency of the employer is no release of his surety. Benefits have the same priority as wage payments, and are exempt from assignment, attachment, etc. Settlement of disputes.—The act is administered by an industrial accident board. Agreements l>etweon employers and employees must be approved by this board. On failure to agree, a committee of arbitration must be formed, whose award is valid unless a review by the board is requested withiri. 30 days. A limited appeal may be taken to the courts. ANALYSIS OF LAWS— ILLINOIS 23 ILLINOIS Date of enactment.—June 10, 1911; in effect May 1, 1912. New act, June 28, 1913; in effect. July 1, 1913. Amended 1915, page 400; 1917, pages 490, 505; 1919, page 538 ; 1921, page 446; 1923, page 354; 1925, page 378. Injuries compensated.—Accidental injuries, including certain occupational diseases, arising out of and in the course of employment causing permanent disfigurement, disability of over six working days, or death. Industries covered.—Public employment; private employments (enumerated list), and all enterprises in which the law requires safety devices. Other em ployers may elect, but forfeit no defenses if they do not. Persons compensated.—Private employment: All employees except those not engaged in the usual trade, etc., of the employer. Public employment: All persons employed by the State, county, municipality, etc., except officials. Compensation for death: (a) To persons wholly dependent, a sum equal to four years’ earnings, not less than $1,650 (to a widow with one child under 16, $2,000, and if two or more children, $2,100) nor more than $3,750 (to a widow with one child under 16, $4,100 and if two or more children, $4,350). (b) If only dependent collateral heirs survive, such percentage of the above sum as the support rendered during the last two years was of the earnings of the deceased. (c) If no dependents, a burial benefit not exceeding $150, and $300 to a second injury fund. Compensation for disability: (ft) Medical, surgical, and hospital services as reasonably required to effect a cure. (&) For total disability beginning with eighth day (second day if perma nent), a weekly sum equal to 50 per cent of the employee’s earn ings, $7.50 minimum, $14 maximum, during disability or until pay ments equal a death benefit; thereafter, if the disability is perma nent, a sum annually equal to 8 per cent of a death benefit, but not less than $10 per month. (c)For permanent partial disability, 50 per cent of the loss of earning ca pacity, but not more than $14 per week. (<f) For certain specified injuries (mutilations, etc.), a benefit of 50 per cent of weekly wages for fixed periods, in addition to temporary total disability payments. ( e ) The basis of 50 per cent shall be increased 5 per cent for each child under 16 years of age, the maximum to be 65 per cent. The mini mum sum of $7.50 per week is to be increased according to the num ber of children, the total not to exceed $14. The maximum weekly payment of $14 is similarly increased, the total not to exceed $19. (f) For serious and permanent disfigurement, not causing incapacity and not otherwise compensated, a sum not exceeding one-fourth the death benefits. No payments are to extend beyond eight years, except in case of per manent total incapacity. Lump-sum payments for either death or disability may be substituted by the industrial board for periodic payments. Revision of benefits.—Medical examination may be had not oftener than every four weeks. The industrial board may, on request, review installment payments within 18 months after the award or agreement thereon. Insurance.—The employer must insure, furnish proof of ability to pay, or make other provision for security of payment; or he may maintain a benefit system, but may not reduce his liability under the act. Security of payments.—In case of insolvency, awards constitute liens upon all property of the employer within the county, paramount to all other claims, except wages, taxes, mortgages, or trust deeds. Exempt from garnishment, attachment, or execution. The rights of an insolvent employer to insurance are subrogated to em ployees. Settlement of disputes.—Disputes are determined by the industrial com mission through an arbitrator or arbitration committee, subject to review by the board. Questions of law may be reviewed by the courts. 24 w o r k m e n ’s c o m p e n s a t io n l a w s — u n it e d states INDIANA Date of cnactmcnt.—March 8, 1915; in effect September 1, 1915. Amended. 1917, chapters 63, 81. 165; 1919. chapter 57, 71; 1923, chapter 76. Injuries compensated.—Personal injury causing disability for more than seven days, or death within 300 weeks by accident arising out of and in course ol employment, not due to willful misconduct, intention to injure self, intoxica tion. or willful failure or refusal to use safety appliance or perform duty re quired by statute. Industries covercd.—All except interstate and foreign commerce, for which Federal laws make provision, railroad employees engaged in train service, and domestic and agricultural labor, unless employer makes contrary election; compulsory as to State and its municipalities, and corporations engaged in mining coal. Persons cmrpensated.—Private employment: All employees and contractors' employees engaged upon the subject matter of the contract: employees whose work is casual and not in the usual course of the employer's business are ex cepted. Public employment: All employees, unless entitled to municipal pen sions. Compensation for death: (a) $300 for funeral expenses, if death from the injury occurs within 300 weeks. (b) Fifty-live per cent of weekly wages to persons wholly dependent; to those partially dependent, amounts proportionate to decedent’s con tributions to their support. The term of payment is limited to 300 weeks from the receipt of the injury. (c) Payments cease on remarriage of widow or dependent widower, or on children attaining the age of 18 years, unless menially or physically disabled for earning. Wages are to be considered as not above $21 nor less than $10 weekly, no total to exceed $5,000. Compensation for disability: (a) Medical and hospital services for first 30 days, and longer at option of employer; industrial board may extend period 30 days; employees must accept unless otherwise ordered by industrial board. (b) For total disability, 55 per cent of wages for not more than 500 weeks. (c) For partial disability, 55 per cent of wage loss for not more than 300 weeks. (d) For certain specified injuries, 55 per cent of wages for designated periods ranging from 10 to 250 weeks in lieu of all other payments; for permanent disfigurement impairing opiiortunity or usefulness, benefits for not over 200 weeks. Wage basis and total amounts are limited as for death benefits. In unusual cases payments may be commuted to a lump sum after 26 weeks. Revision of benefits.—Awards may be reviewed at any time by industrial board on its own motion or the request of either party, but without retroactive effect. Insurance.—Required unless satisfactory proof of financial ability to moet payments is fjirnished. Security of payments.—Contracts of insurance must inure directly to the benefit of the person entitled to payments under an award. Payments h:»ve same preference and priority as unpaid wages, and are exempt from claims of creditors. Settlement of disputes.—Disputes are determined by the industrial board, with appeal to courts on questions of law. ANALYSIS OP LAWS— IOWA 25 IOWA Date of enactment.—April 18, 1913: in effect July 1, 1914. Amended 1917, chapters 188, 270. 836, 409, 418: 1919, chapter 220; 1923. chapters 17, 206; 1924, (codification) ; 1925, chapter 162. Injuries compensated.—All personal injuries arising out of and in the course of the employment causing disability for more than two weeks, or death, except when caused by the injured employee’s willful intention to injure himself or another, or by the intoxication of the employee. Industries covered.—All industries, except agriculture and domestic service, in absence of contrary election by employer. Compulsory as to the State and its municipalities. Persons compensated.—Private employment: All employees in industries cov ered in absence of contrary election, except clerks not subjected to the hazards of the industry and casual employees, or those not employed for the purpose of the employer's trade or business. Public employment: All except officials, and policemen, and firemen entitled to benefits from pension funds. Compensation for death: (a) Reasonable expenses of the employee's last sickness and burial, not to exceed $150: if no dependents, $250. (b) To persons wlioily dependent, a weekly payment equal to 60 per cent of the wages of the deceased employee, but not more than $15 nor less than $6 per week or full wages, if less, for 300 weeks. (c) If only partial dependents survive, such a proportion of the above as the amounts contributed by the employee to such partial dependents bear to his annual earnings. (d) If the employee was a minor whose earnings were received by the parent, n sum to the parent equal to two-thirds of the amount pro vided for persons wholly dependent. If the spouse dies during the compensation period, the unpaid balance goes to other dependents, if any; if she remarries, and there are no dependent children, payments cease. Nonresident aliens receive one-half benefits. Compensation for disability: (а) Reasonable surgical, medical, and hospital services and supplies for first four weeks, not exceeding $100 and $100 additional in excep tional cases. ( б) For temporary total disability, 60 per cent of wages, not more than $15 nor less than $6 (unless wages are less than $6. then full wages), for not more than 300 weeks. (c) For permanent total disability, the same compensation as for tem porary disability, to be paid for a period of not more than 400 weeks. (d) For permanent partial disability (specified maimings), 60 per cent of average weekly wages for fixed periods, beginning with the date of injury. Payments under (b) and (c) for the fifth, sixth, and seventh weeks are 100 per cent of the weekly earnings, if the disability con tinues during these periods, respectively. Lump-sum payments may be substituted in any case where the term can he determined, on approval of the industrial commissioner and an order by the court. Revision of benefits.—Payments may be reviewed by the. industrial commis sioner at the request of either party. Insurance.—Employers must insure in approved companies or mutual asso ciations, or furnish satisfactory proof of financial ability to make payments, or deposit security with the State insurance department; or they may maintain approved substitute schemes, provided there is no diminution of benefits. Security of payments.—In case of insolvency of the insurer a claim for com pensation becomes a first lieu, and in case of legal incapacity of insured to receive the amount due. the insurer must settle directly with the beneficiary. Payments are exempt from garnishment, attachment, or execution. Settlement of disputes.—Disputes may be settled by committees of arbitra tion, with the industrial commissioner as chairman; limited appeal to courts. 26 W O RK M E N ’S COMPENSATION LAWS— UNITED STATES KANSAS Date of enactment.—March 14, 1911; in effect January 1, 1912. Amended 1913, chapter 216; 1917, chapter 26; 1919, chapter 222. Injuries compensated.—Injuries by accident arising out of and in the course of employment, not due to intoxication or deliberate intention of injured employee, or caused by his willful failure to use safeguards provided by statute or furnished by employer, causing incapacity to earn full wages for at least one week, or death. Industries covered.—Railways, factories, quarries, electrical, building or engineering work, laundries, natural-gas plants, county and municipal work, employments requiring the use of dangerous, explosive, or inflammable mate rials, if employing five or more persons; and mines, without reference to the number of employees, all in absence of contrary election; employers in other industries and those employing less than five persons may also elect. Persons compensated.—Private employment: All employees, including appren tices, but excluding those employed otherwise than for the purpose of the employer’s business. Public employment; Workmen on county and municipal work. Compensation for death: («) To persons wholly dependent, a sum equal to three years’ earnings of the deceased employee, not less than $1,400 nor more than $3,800. For nonresident alien beneficiaries (except in Canada) the maximum is $750. ( 6) If only partial dependents survive, a sum proportionate to the injury to such dependents. (c) If no dependents are left, a reasonable expense for burial, not exceed ing $150. Compensation ceases upon the marriage of any dependent, or when a minor, not physically or mentally incapable of wage earning, shall become 18 years of age. Compensation for disability: (a) On demand, medical, surgical, and hospital treatment, not over $150 in value, for not more than 50 days. (b) For total incapacity, payments during incapacity after the first week, equal to 60 per cent of earnings, but not less than $6 nor more than $15 per week. (c) For partial incapacity, 60 per cent of wagq loss during incapacity, after the first week. Lump sums equal to 50 per cent of the wages for specified periods are to be paid for designated injuries, in lieu of all other compensation, not less than $6 nor more than $12 per week. No payments for total or partial disability shall extend over more than eight years. After six months, lump-sum payments may be substituted at the employer’s option, the sum to be agreed upon or determined by the court; or the workman may apply for a lump-sum settlement at any time. Revision of benefits.—Any award may be modified at any time by agreement, or either party may demand a revision. Insurance.—The employer may insure in any approved insurance scheme which provides compensation not less favorable than is provided in this act. Security of payments.—Lump sums awarded by the court may be secured by order of the court by a good and sufficient bond when there is doubt of security of payment. If the employer was insured the insurer shall be subrogated to the rights and duties of the employer. Claims and awards are not assignable or subject to execution, etc. Settlement of disputes.—Disputes not settled by agreement may be referred to arbitrators, subject to an appeal to courts. ANALYSIS OP LAWS— KENTUCKY 27 KENTUCKY Date of enactment.—March 23, 1916; in effect August 1, 1916. Amended 1918, chapter 176; 1920, chapter 37; 1922, chapter, 50; 1924, chapter 70; 1920, chapter 193. Injuries compensated.—Personal injuries by accident arising out of and in course of employment, including injuries due to inhalation of mine gas, or smoke or any kind of gas, causing incapacity for more than seven days, or death within two years, not self-inflicted, or due to intoxication or willful miscon duct. Results of preexisting diseases are not included. industries cow red.—All except domestic service and farm labor where three or more persons are employed; excepted industries may become subject to the acr by joint application by employers and employees. Operators of grain and seed threshers or hullers are included. Pcrsom compensated.—Private employment: All employees in establishments coming under the act, if the employees elect. Public employment: All employees of municipalities coming under the act, if the employees elect. Compensation for death: (a) Reasonable burial expenses, not to exceed $75. (b) To persons wholly dependent, 65 per cent of the average weekly earn ings, not more than $12 nor less than $5 per week, for 335 weeks, the total not to exceed $4,000. (c) If only partial dependents survive, a proportion of the amount for total dependency, determined by the degree of dependence. (d) If no dependents. $100, payable to the personal representative. Payments to a widow or widower cease on remarriage and to a child on reaching the age of 16, unless incapacitated for wage earning. Payments thus terminated go to other beneficiaries, if any. Compensation for disability: (a) Medical, surgical, and hospital aid for 90 days, unless another period is fixed by the board, the cost not to exceed $100; board may in crease to $200. (b) For total disability, 65 per cent of average weekly wages, not more than $15 nor less than $5, for eight years, total not to exceed $6,000. (c) For partial disability, 65 per cent of the weekly wage loss, not to ex ceed $15, for not more than 335 weeks, total not to exceed $4,000. Compensation periods are fixed for special injuries, in lieu of other payments. Lump-sum awards may be made after six months if approved by 1lie board. Revision of benefits.—Review may be had on the request of either party or on the motion of the board, changing or revoking any previous order. Insurance.—Employers accepting the act must insure in a stock or mutual company or the State Employees’ Insurance Association, or give proof of finan cial ability to pay compensation direct. Security of payments.—Insurance policies must provide for direct liability to the beneficiaries. Self-insurers must furnish bond or other security. Bene fits have the same priority as wage debts and are not subject to assignment or attachment. Settlement of disputes.—Disputes are settled by the workmen’s compensation board, or a member thereof, or a referee appointed by it; limited appeal to courts. 1965°—26------8 28 W O BK M E N ’S COMPENSATION LAWS— UNITED STATES LOUISIANA Date of enactment.—June 18, 1914; in effect January 1, 1915. Amended, 1910, No. 248; 1918, Nos. 38. 39; 1920. Nos. 234, 244, 247; 1922, No. 43; 1924, Nc«. 21. 216; 1926, No. 85. Injuries compensated.—Personal injury by accident arising out of and in course of employment causing disability for more than one week, or death within one year, and not due to willful intention to injure, to intoxication, to deliberate failure to use safeguards, or to deliberate breach of safety laws. Industries covered.—Hazardous trades, businesses, or occupations in absence of coutrary election; extensive list, and others may be so adjudged or brought within the act by voluntary agreement. Compulsory as to employees of the State and its municipalities and public boards. Persons compensated.—Private employment: Every person performing serv ices arising out of and incidental to his employer’s trade, business, or occupa tion, if the same is within the act. Public employment: Every person in the service of the State, etc., except officials. Compensation for death: (a) .$100 expenses of burial and not over $50 contingent expenses. (b) To widow or dependent widower alone, 32% per cent of weekly wages. 4614 per cent if 1 child, and 65 per cent if 2 or more. If 1 child alone, 32% per cent, 46Vi per cent for 2, and 65 per cent if 2 or more. For 1 dependent parent, 32% per cent: for 2, 65 per cent: if 1 brother or sister, 32% per cent and 11 per cent additional for each other. The total in no case may exceed 65 per cent of the weekly wages, $3 or full wages minimum payment, $20 maximum, for not over 300 weeks. Payment to any beneficiary ceases on death or marriage, to children on reaching the age of 18, unless mentally or physically incapacitated. Compensation for disability: (a) Reasonable medicnl, surgical, and hospital services, not to exceed $250 in value. (b) For total disability, 65 per cent of the weekly wages, $20 maximum, $3 minimum, unless the wages are less than $3, then full wages, for not more than 400 weeks. ( c ) For partial disability, 65 per cent of the wage loss, for not more than 300 weeks. (d) Fixed schedule for specified injuries, for periods from 10 to 200 weeks, in lieu of other payments. Payments in any case may be commuted to a lump sum on agreement of the parties and approved by the courts. Revision of benefits.—-Judgments may be modified at any time by agree ment of the parties and approval by the courts; or after six months they may be reviewed by the court on application of either party. Insurance.—Employees under the act must insure, give bond, or qualify as self-insurers. Security of payments.—Policy of insurance must give claimants right to direct payment regardless of the default or bankruptcy of the employer. Com pensation payments have the same preference as wage debts. Settlement of dispute*.—Disputes are settled by judges of the courts in simple, summary procedure. ANALYSIS OP LAWS— MAINE 29 MAINE Date of enactment.—April 1, 1915; in effect January 1, 1916. Reenacted April 4, 1919: amended 1921, chapter 222; 1925, chapter 201. Injuries compensated.—Injuries arising out of and in course of employment, causing disability for more than 7 days, or death, not due to willful intention to injure himself or another, and not due to intoxication unless fact or habit of intoxication was known or cognizable to employer. industries covered.—All except agricultural and domestic labor, logging, and seamen in interstate or foreign commerce in which more than live persons are employed, if employer i ieets. Abrogation of defenses does not affect cutting, hauling, driving, or rafting of logs. Persons compensated.—Private employment: All* persons in industries cov ered, employees whose work is casual or not in the usual course of the em ployer’s business excepted. Public employment: Employees of the State, cities, and counties, and of towns accepting the provisions of the act, other than officials; but cities and towns may continue injured firemen on the pay roll at full pay, in lieu of compensation. Compensation■for death: {a) To persons wholly dependent. 00% per cent of weekly wages for 300 weeks, $6 minimum, $J8 maximum, not over $4,000 in all. ( 6) If only partial dependents survive, amounts proportionate to the re lation of the contribution paid by deceased, and his average wage, for 300 weeks. (c) If no dependents, not above $200 expenses of last sickness and burial. Payments to children cease at age of 18 unless mentally or physically incapacitated for earning a living. Alien dependents residing outside the United States or Canada re ceive one-half benefits. Compensation for disability: (а) Reasonable medical and hospital service during first 30 days of dis ability, not over $100 in value, unless by agreement or order of commission a longer period or larger amount is provided for. ( б) For total disability, 66% per cent of the wages for not more than 500 weeks, $6 minimum, $18 maximum, total not to exceed $4,200. (c) For partial disability, 66% per cent of the weekly wage loss, not over $18, for not more than 300 weeks. For specified injuries causing permanent partial disability, 66% per cent of the wages for various fixed periods, then compensation on basis of wage loss, if any, for not more than 300 weeks in all. Lump-sum payments may be approved by the commission after weekly payments for not less than six months. Revision of benefits.—Agreements or awards may be reviewed at the instance of either party at any time within two years. Insurance.—Insurance in approved companies is required unless the em ployer gives satisfactory proof of solvency and makes deposit or bond to se cure payments. Security of payments.—Claims have same preference over unsecured debts as do wages for labor. Settlement of disputes.—Disputes are to be settled by the industrial accident commission, with appeal to courts on questions of law. 30 W O RK M E N ’S COMPENSATION LAWS— UNITED STATES MARYLAND Date of enactment.—April 10, 1914; in effect Nov. 1, 1914. Amended 1910, chapters 80, 368, 379, 597, 713; extra session, 1917, chapter 6 ; 1920, chapter 456; 1922, chapters 303, 321, 359; 1924, chapters 217, 332, 341, 364, 583. Injuries compensated.—Accidental personal injury arising out of and in course of employment, not due to willful intention or intoxication, and causing disfigurement, disability for more than three days, or death within two years. Industries covered.—Extra hazardous (enumerated* list) ; others by joint election of employers and employees, including farm and domestic labor. Persons compensated.—Private employment: All in industries covered except casual employees. Public employment: Workmen employed for wages in extra hazardous work, unless the municipality makes other equal or better provision, and officers and enlisted men of State militia. Compensation for death: (a) Funeral expenses, not over $125. (b) To persons wholly dependent, 66% per cent of the weekly wages, not over $18 nor less than $8 per week unless the wages were less, for eight years; not more than $5,000 nor less than $1,000. (c) To persons partly dependent. (>(>% per cent of the weekly wages, not over $18 per week, for such portion of eight years as the com mission may fix, the amount not to exceed $3,000. (d) If no dependents, funeral expenses not over $125, unless there is sufficient estate to defray same. (e) Widow on remarriage receives one year’s benefits if outstanding; pay ments to children cease on reaching the age of 16 years, unless incapacitated. Compensation for disability: (a) Medical, surgical, etc., expenses, not above $500 in value. (b) For total disability, 66% per cent of weekly wages, $8 minimum, $18 maximum, during its continuance, total not to exceed $5,000. If wages are less than $8, full wages will be paid. (e) For temporary partial disability, 50 per cent of weekly wage loss, $18 maximum, total not. over $3,500; for specified maimings, 66% per cent of the weekly wages, in addition to other payments, for specific periods, $8 minimum, $18 maximum, total not over $3,750; other permanent injuries, 50 per cent of wage loss, total not over $3.()00. Where the injured employee is a learner, with prospect of increase in wages, this fact may be considered in fixing awards. Payments may, in the discretion of the commission, be made in part or in whole in lump sums. Revision of benefits.—The commission may modify its findings and orders at any time for justifiable cause. Insurance.—Insurance in State fund, stock or mutual company, or proof of financial ability is required. Security of payments.—Policies must permit action by commission to secure payments to person entitled. Payments may not be assigned, nor are they subject to execution or attachment. Settlement of disputes.—Disputes are to be settled by the industrial accident commission, with appeal to courts. ANALYSIS OF LAWS— MASSACHUSETTS 31 MASSACHUSETTS Date of enactment.—July 28, 1911; In effect, July 1, 1912. Amended, 1912, chapter 571; 1913, chapters 48, 448, 5(58, 096, 740; 1911, chapters 338, 708; 1915, chapters 123, 275, 314; 1916, chapters 72, 90; 1917, chapters 198, 249, 269; 1918, chapters 113, 119; 1919, chapters 197, 198, 204, 205, 226. 272, 299; 1920, chapters 223, 324; 1921, chapter 310; 1922, chapters 368, 402, 537; 1923, chapters 125, 139, 163; 1924, chapters 207, 434; 1925, chapter 267; 1926, chapter 190. Injuries compensated.— Injuries, including diseases, arising out of and in the course of employment causing incapacity for 7 days, or death, unless the injury is due to the serious and willful misconduct of the injured employee. Industries covered.—All industries except farm labor and domestic service. Exempted employments may come under the act if the employer so elects. Persons compensated.—Private employment: All employees, except masters of vessels and seamen, engaged in interstate or foreign commerce and employees whose work is not in the usual course of the employer's business, where the employer is an insurer under this act. Public employment: The State shall, 4iid any county, city, town, or district having power of taxation and accepting the act may. compensate its laborers, workmen, and mechanics. Compensation for death: (a) The reasonable expense of burial, not exceeding $150. If dependents survive, this sum shall be deducted from the compensation payable. (ft) To a widow alone, $10 weekly for not more than 400 weeks; $12 if one child, $14 if two children, and $16 if more than two. (c) To other persons wholly dependent, a weekly payment equal to twothirds the average weekly wages of the deceased employee, but not less than $4 nor more than $10, for a period of 500 weeks. (d) If only partial dependents survive, a sum proportionate to the portion of earnings contributed to their support by the deceased employee. Children cease to be dependents at 18 (16 if living apart from parent legally bound to render support), unless mentally or physically in capacitated from earning a living. In no case may the total payment exceed $1,000. If no dependents, $100 to second injury fund. Compensation for disability: (a) Reasonable medical and hospital services, and medicines as needed, for the first two weeks after injury, and in unusual cases for a longer period, in the discretion of the board. (b) For total disability, a sum equal to two-thirds the average weekly wages, but not less than $7 nor more than $16 per week, not exceed ing 500 weeks, nor $4,000 in amount. (c) For partial disability, two-thirds the wage loss, but not to exceed $16 per week, nor $4,000 in amount. (d) In specified injuries (mutilations, etc.), two-thirds the weekly wages, not exceeding $10 nor less than $4 per week, for fixed periods, in addition to other compensation. Lump-sum payments may be substituted in whole or part, after pay ments for injury or death have been made for not less than six months. Revision of benefits.—Either party may demand a revision of payment at any time. Insurance.—Employers under the act must subscribe to the State employees’ insurance association or insure in some authorized company. Security of payments.—Payments are not subject to assignment, attachment, or execution. Settlement of disputes.—Disputes* are decided primarily by a member of the industrial accident board, whose decision is subject to review by the board, with limited appeal to the courts. 32 W O R K M E N S COMPENSATION LAWS— UNITED STATES MICHIGAN Date of enactment.—March 21). Ml 2: in effect September 1, 1912. Amended 1933. Nos. 50, 79, 150. 259; 1915, Nos. 104. 153, 170, 171; 1917, Nos. 41. 200, 235, 249; 1919, Nos. 04. 110; 1921, Nos. 00, 173, 180. Injuries compensated.—Injuries causing incapacity to earn full wages for a period of one week, or death, arising out of and in the course of employment, unless such injuries resulted from intentional and willful misconduct of the injured person. Industries covered.—Compulsory as to the State and its municipalities, and each incorporated public board and commission authorized to hold property and to sue and be sued. All industries having one or more persons in service under contract of hire if the employer elects. Persons compensated.—Private employment: All employees, including aliens and minors legally permitted to work. Public employment: All employees ex cept officials of the State or of a municipality. Compensation for death: (a) The reasonable expense of the last sickness and burial, not exceeding $200 in addition to any medical services. (&) To persons wholly dependent, a weekly payment equal to 00 per cent of the deceased workman's average weekly wages, but not less than $7 nor more than $34 per week for a period of 300 weeks. (c) If only partial dependents survive, such proportion of the above as the amount of previous contributions hears to such earnings. Payments to children cease at 10, unless mentally or physically incapacitated from earning. Compensation for disability: (a) Reasonable medical and hospital services for the lirst 90 days after injury. (b) For total incapacity, a weekly payment equal to GO per cent of the earnings, but not less than $7 nor more than $14 per week, nor for a period longer than 500 weeks from the date of the injury, and not exceeding $7,000. (c) For partial incapacity, a weekly payment equal to 00 per cent of the wage loss, but not more than $34 per week, and for not longer than 500 weeks. (d) For certain specified injuries (mutilations, etc.), GO per cent <>f the average weekly earnings for fixed periods, in lieu of other payments. Payments begin with the eighth day after the iujury, but if the disability continues for six weeks or longer, compensation is com puted from the date of injury. After six months lump sums may be substituted for weekly payments. Revision of benefits.—Weekly payments may be reviewed by the industrial accident board at the request of either party. Insurance.—Employer must furnish proof of financial ability to pay the required compensation or insure in an authorized employers’ liability company, or in an employers* insurance association organized under State laws, or be come a member of a State insurance fund administered by the State com missioner of insurance. Security of payments.— in case of insolvency, claims constitute a first lien upon all property of the employer. Employers must furnish proof of financial ability to pay compensation, or insure. Settlement of disputes.—Either party may request the industrial accident board to appoint a committee of arbitration, whose decisions are subject to review by the board. The supreme court may review questions of law. ANALYSIS OF LAWS— MINNESOTA 33 MINNESOTA Date of enactment.—April 24, 1913; revised March 15, 1921; in effect Jane 1, 1921. Amended 1928, chapters 91, 279, 282, 300, 408; 1925, chapters 161, 175, 219. Injuries compensated.—Occupational diseases (list), and accidents arising out of and in course of employment causing disability for more than one week or death, unless intentionally caused, or due to the intoxication of the injured person. Industries covered.—All, including commercial threshermen and balers, ex cept common carriers by steam railroad and farm and domestic service, in the absence of contrary election by employers; farmers may elect. Persons compensated.—Private employment: All employees, in the absence of contrary elect ion, except those whose work is casual and not in the usual course of the employer's business. Public employment: Included, except per sons elected or appointed for regular terms. Compensation for death: {a) One hundred and fifty dollars funeral expenses. (b) To a widow alone, 40 per cent of monthly wages of deceased, increas ing to 66% per cent if three or more children; to a dependent hus band alone, 30 per cent; to a dependent orphan. 45 per cent, with 10 per cent additional for each additional orphan, with a maximum of 66% per cent; if none of the above, 35 per cent to one parent and 45 per cent if both survive; if none of the foregoing, to other relatives wholly dependent, if but one, 30 per cent, or if more than one, 35 per cent, divided equally. Widow on remarriage receives lump sum not to exceed two years* benefits if no children under 18: otherwise sum goes to child or children. (c) If only partial dependents survive, that proportion of benefits pro vided for actual dependents which contributions bore to wages. (<J) When no dependents survive, expenses of last sickness and burial, and $200 into second iujury fund. Maximum weekly payment $20, minimum $8, unless wages are less, then full wages. Payments continue not over 300 weeks except to widow or child; to child, cease at 18 unless incapacitated; to others, cease on death or marriage; maximum in any case. $7,500. Compensation for disability: (а) Reasonable medical and surgical treatment, not exceeding 90 days unless further treatment is ordered on request of employee. ( б) For temporary total disability, 66% per cent of wages for not over 300 weeks. (o) For permanent total disability, 66% per cent of wages, not over $10,000. id) For temporary partial disability, 66% per cent of wage loss, not over 300 weeks. (c) For specified permanent partial disabilities, 66% per cent of wages for fixed periods, in addition to other payments, maximum of 400 weeks; for other permanent partial disabilities, not over 300 weeks. Payments for disability may not be more than $20 mu- less than $8, unless wages were less, then full wages. Lump sums may be substituted for periodical payments on consent of the industrial commission. Revision of benefits.—No provision. Beneficiaries dissatisfied with the ter mination of payments may secure a hearing on the subject of continuance. Insurance.—Required in some authorized company unless exempted on a showing of financial ability. Security of payments.—Insured workmen have equitable Hen on any policy coming due. Payments are made directly to claimants in case of employer’s incapacity. Claims have same preference as unpaid wages. Settlement of disputes.—By industrial commission, appeal to supreme court on questions of law. 34 WORKMEN ’S COMPENSATION LAWS— XJNITKD STATES MISSOURI Date of enact mint.—April 30, 1025. Effective: November Hi. 1l>2<1. [De ferred by referendum.] Injuries compensated.—injuries by accident arising out of and in the course of employment causing disability for more than 3 days, or death witliin .‘*00 weeks, unless due to employee's intentional self-inflicted injury. Industries covered.—All where employer has 10 or more employees, or less than 10 if declared hazardous, except farm labor and domestic servants, pro vided employer fails to reject. Employers not included may elect to accept act. Persons compensated — Private employment. All employees in industries covered, except rhore earning over $3,600 per annum, casual employees and outworkers. Public employment: Only if act is adopted by law or ordinance. Compensation for death: (a) Burial expenses not to exceed $150, and if not. otherwise covered, $250 for expenses of last sickness. (b) To total dependents, two-thirds of average annual earnings multiplied by 300, in weekly installments, less any disability paymeuts. (c) To partial dependents on above basis, in proportion to decedent's contributions, but only when there are no total dependents. The maximum weekly payment is $20 and minimum $6. Payments to children cease at 18, unless physically or mentally incapacitated. Compensation for disability: (a) Such medical, surgical, and hospital, etc., treatment as may be rea sonably required for first 60 days, not exceeding $250 in value, unless extended by commission. (b) For temporary total disability, two-thirds of wages for not over 400 weeks; if permanent, at same rate for 300 weeks, then 25 i>er cent of earnings for life. (c) For temporary partial disability, two-thirds of wage loss, for not over 100 weeks. (d) For lKU-manent partial disability, two-thirds of wages for periods fixed by commission, but not in excess of 400 weeks: for certain specific injuries (mutilations, etc.), two-thirds of wages for fixed period, in lieu of all other compensations; for disfigurements in an amount not to exceed $1,000. (e) Except where otherwise limited the maximum weekly payment is $20 per week and the minimum $6. The commission may commute the compensation to payment by a lump sum. Revision of benefits.—Readjustment of compensation may be made by the commission on its own motion or on application. Insurance.—An employer under the act must insure his liability for compen sation in an authorized insurance company or furnish proof of ability to carry own liability. Security of payments.—Compensation is not assignable, and is exempt from attachment, garnishment, and execution, and from set-off or counterclaim, or any liability for any debt, except approved attorneys* fees, and is entitled to the same preference as claims for wages without limit as to time or amount. Settlement of disputes.—Disputes are decided primarily by the Missouri Workmen’s Compensation Commission, with right of appeal to the circuit court on questions of law. ANALYSIS OF LAWS— MONTANA 35 MONTANA Date of enactment.—March 8. 19J5: in effect July 1, 1915. Amended 1919, chapters 95, 100; 1921, chapters 196, 254; 1925, chapters 117, 121. Injuries compensated.— Injuries arising out of and in course of employment, resulting from spme fortuitous event, causing death, or disability for more than two weeks. Industries covered.—“All inherently hazardous works and occupations/* in which employers elect, including manufactures, construction work, transporta tion, and repair of the means thereof, but not including agricultural or domestic labor; compulsory as to public employment. Persons compensated.—Private employment: All persons other than inde pendent contractors, employed in the industries covered, whether as manual laborers or otherwise, except casual employees whose work is not in the usual course of the employer’s business. Public employment: All employees in the iiK11istries covered. Compensation for death: (a ) One hundred and fifty dollars for funeral expenses if death occurs within six months of injury. (&) To beneficiaries (widow, widower, child or children under 18, or invalid child above 18), or to major dependents (father or mother) if no beneficiaries, 50 per cent of wages of deceased; if none of above, to minor dependents (brothers or sisters under 18), 30 per cent. Non resident aliens other than beneficiaries receive nothing unless other wise provided by treaty, and beneficiaries but 40 per cent of a normal benefit if nonresident at the lime of the injury (sec. 2915; 50 per cent in sec. 2894). unless treaty contravenes; nothing if law of alien’s country would bar citizens of United States from benefits. Term of payments may not exceed 400 weeks. $15 maximum, $7 minimum; if wages less than $7. then full wages. Payments cease on remar riage of widow or widower, or when child, brother, or sister reaches the age of 18. unless an invalid. Compensation for disability: (a) Medical and hospital services during first six months after happening of injury, nor over $500 in value, unless there is a hospital contract; special operating fee of $50 for hernia. (b) For temporary total disability, 50 per cent of wages during disability, $15 maximum, $7 minimum, unless wages are less than $7, when full wages will be paid, for not more than 300 weeks. (c) For permanent total disability, same scale as above for 500 weeks. (d) For partial disability. 50 per cent of the wage loss, not over $7.50 per week, nor 75 per cent of the compensation provided for loss of the injured member; payments to continue not more than 150 weeks for ;>crmanent cases, and 50 weeks if temporary. (e) For specified maimings, 50 per cent of wages but not more than $15 per week nor less than $7 per week unless wages are less, then full wages, in lieu of all other compensation. Periodical payments may be converted in whole or in part to lump sums. Revision of benefits.—Decisions and awards may be rescinded or amended at any time by the industrial accident board for good cause. Insurance.—The employer may carry his own risk on a showing of financial ability; security may be required for probable liabilities and must be given when a continuing payment is ascertained. Insurance may be carried in any com pany authorized to do business in the State, or the employer may contribute to a State fund. Security of payments.—In case of bankruptcy, etc., liabilities under this act are a first lien upon any deposit made by an employer, and if this is not suffi cient, then on any property of the employer or insurer within the State, and shall be prorated with other lienable claims. Settlement of disputes.—By industrial accident board, with limited appeal to courts. 36 WORKMEN’S COMPENSATION LAWS----UNITED STATES NEBRASKA Date of enactment.—April 21, 1913: in effect December 1, 1914. [Deferred by referendum.] Amended 1917, chapter 85; 1919, chapter 91; 192.1, chapter 122. Injuries compensated.—Injury causing disability for more than seven days, or death, caused by accident arising out of and in the course of employment, except accident caused by or resulting in any degree from willful negligence or intoxication. Industries covered.—All industries where one or more persons are employed by the employer in the regular trade, business, or occupation of the employer, except domestic service, agriculture, and interstate or foreign commerce, in the absence of contrary election. Exempt employers may make an affirmative election. Persons compensated.—Private employment: All employees, except those whose work is but casual and not in the usual course of the employer’s business, and outworkers. Public employment: All persons employed by the State, or any governmental agency created by it, not elected or appointed for a regular term. Compensation for death: (a) In addition to any other benefits, a reasonable amount not exceeding $150 to cover expenses of last sickness and burial. (ft) To persons wholly dependent, 66% per cent of the employee’s wages, but not less than $6 or full wages nor more than $15 per week, during dependency, but not exceeding 350 weeks. • (c) If only partial dependents survive, a proportion of the above corres ponding to the relation the contribution of the deceased to their support bore to his wages. Compensation to children ceases when they reach the age of 18 years, unless they are physically or mentally incapacitated from earning. Compensation for disability: (a) Medical and hospital services as and when needed. (b) For total disability, per cent of the weekly wages, but not, move than $15 nor less than $6 per week or full wages, for 300 weeks; thereafter, for life or while disability last 45 per cent of such wages, but not. more than $12 nor less than $4.50 per week unless wages are less, then full wages. (c) For partial disability, G6% per cent of loss of earning capacity, but not exceeding $15 per week nor exceeding 800 weeks. (<?) For certain specified injuries (mutilations, etc.), 66% per cent: of wages for fixed periods in addition to other benefits, $15 maximum, $6 minimum, unless wages are less, then wages. Payments begin with the eighth day, but: if disability continues six weeks or longer, compensation is computed from the date of injury. Lump sums may be substituted for periodic payments, but if for death or permanent disability, the approval of the court must be obtained. Revision of benefits.—Benefits running for a period of six months or longer may be revised at any time by agreement of the parties, with the approval of the compensation commissioner, or after six months by application of either party to a court. Insurance.—An employer under the act must insure his liability for compensation in an authorized stock or mutual insurance company, or furnish proof of financial ability to make payments. Security of payments.—Insurance policies must inure directly to the benefit of beneficiaries and be enforceable in an action by them. Compensation rights and awards have the same preference against the assets of the employer as unpaid wages for labor. Settlement of disputes.—All disputed claims must be submitted to the com pensation commissioner, from whose award either party may appeal to the district court of the county, the case to be heard and determined as a cause in equity, with the right of further appeal to the supreme court ANALYSTS OF LAWS---- NEVADA 37 NEVADA Date of enactment—March 24, 1911. in effect July 1, 1911. New act, March 15, 1913; in effect July 1, 1913. Amended 1915, chapter 190; 1917. chapter 233; 1919, chapter 176; 1921. chapters 161, 218; 1923, chapter 106: 1925, chapters 61, 114, 168. Injuries compensated.—Injuries arising out of and in the course of employ ment, causing incapacity to earn full wages for more than seven days or death, except when caused by the employee’s willful intent or intoxication. Industries covered.—All except domestic and farm labor, provided the em ployer elects; compulsory as to the State and its municipalities. Persons compensated.—Private employment: All employees in the industries covered, including aliens and minors, whether lawfully or unlawfully employed, but excluding employees whose work Is both casual and not in the usual course of the employer’s business. Public employment: All employees. Compensation for death: (а) Burial expenses not to exceed $150. ( б) To widow or dependent widower, 30 per cent of the average monthly wages, with 15 per cent additional for each child under 18 years of age. If only children survive, 15 per cent for each child; the total in either case not to exceed 66% per cent. If there are none of the foregoing, one dependent parent may receive 25 per cent, and two 35 per cent: if dependeut brothers or sisters under 18, 20 per cent for one, and 30 per cent if more than one. Other cases of depend ency are to be dealt with according to the facts. Payments to a widow or dependent widower cease on remarriage; widow receives two years' benefits in a lump sum. Payments to chil dren cease at 18, unless incapable of self-support. Payments to nonresident alien beneficiaries, 60 per cent of above. No excess of wages above $120 per month shall be considered. No lump-sum settlements are allowed iu case the widow'. dej;K>ndent children, or other persons are wholly dependent. Compensation for disability: (a) Reasonable medical, surgical, and hospital aid for six mouths; may be extended an additional year by the industrial commission; em ployer may deduct one-half the cost of an “ accident benefit fund,” not more than $1 per mouth, from each employee’s wages. (ft) For temporary total disability, an amount equal to 60 per coat of the average monthly wages, but not lass than $30 nor more than $<2 for not over 100 months, with $10 per month additional if injured person had dependents, total amount not to exceed $7,200. (c) For permanent total disability, CO per cent of the average monthly wage, not less than $30 nor more than $60, payable during life; $30 additional if services of a constant attendant are required. (d) For temporary partial disability, 60 per cent of the loss of earning capacity, but not more than $40 per mouth for not more than 60 months, wages in excess of $120 per month not to be considered. {e) For certain specific injuries (mutilations, etc.), a monthly payment equal to one-half the monthly wages, not less than $30 nor more than $60, for fixed periods, in addition to other payments. No compensation is payable for the first week of disability, but if it continues one week beyond the first seven days or longer compensa tion is paid from the date of the injury. The industrial commission may permit the substitution of lump sums for monthly payments in an amount not exceeding $5,000. Revision of benefits.—Readjustment of compensation may be made by the commission on application therefor. Insurance.—Employers coming under this act must insure in the State insur ance fund. Security of payments.—State management of the insurance fund and col lection of premiums by the State. Payments are not assignable and are ex empt from attachment, etc. Settlement of disputes.—All matters relating to the amount of compensa tion to be paid are determined by the industrial commission. 38 W O RK M E N ’ S COMPENSATION LAWS— UNITED STATES NEW HAMPSHIRE Date of enactment.—April 15, 1011; in effect January 1, 1012. Amended 1023, chapter 01. Injuries compensated.—Any injury to an employee arising out of and in tlie course of employment causing disability of over one week, or death, unless due to willful misconduct, intoxication, or violation of law. Industries covered.—Industries dangerous to life or limb (enumerated list)* including the operation and maintenance of steam and electric railroads, work in shops, mills, factories, etc., employing live or more persons; work about lines or cables charged with electricity; operations dangerously near explosives used in the industry, or to a steam boiler owned and operated by the employer: and work in or about any quarry, mine, or foundry; provided the employer elects. Persons compensated.— Private employment: All workmen engaged in any of the employments covered by this law. Public employment; Government em ployees are not mentioned. Compensation for death: (a) To persons wholly dependent, a sum equal to 150 t«mes the average weekly earnings of the deceased, not to exceed $3,000. (b) If only partial dependents survive, such proportion of the above com pensation as corresponds to the portion of wages contributed to their support. (c) If no dependents are left, expenses of medical care and burial to a reasonable amount, not in excess of $100. Compensation for disability: (a) Reasonable medical and hospital services during the first 14 days after injury. (b) For total disability, a sum not exceeding 50 per cent of average weekly earnings. (e) For partial disability, a sum not in excess of 50 per cent of the loss of earning capacity. In no case is compensation to exceed $15 a week nor run for a longer period than 300 weeks. The court may determine the amount of lump sums payable as a substi tute for weekly payments. Revision of benefits.—The injured person, when requested by the employer, must submit to medical examination not oftener than once a week. Insuranee.—No provision. Security of payments.—The employer must satisfy the commissioner of labor of his ability to pay the required compensation or file a bond conditioned on the discharge of all liability incurred under the act. Weekly payments have the same preferential claims against the assets of the employer as is allowed for unpaid wages or personal services. Settlement of disputes.—All questions not settled by agreement are deter mined by an action in equity. ANALYSIS OP LAWS— NEW JERSEY 39 NEW JERSEY Date of enactment.—April 4, 1911; in effect July 1, 1911. Amended 1913, chapter 174; 1914, chapter 244; 1919, chapter 93; 1921, chapters 85, 230; 1922, chapter 245; 1923, chapter 49; 1924, chapters 124, 159; 1925, chapter 163; 1920, chapter 31. Injuries compensated.—Injury l>y accident arising out* of and in the course of employment causing disability of over 7 days, or death, unless intentionally self-inflicted or due to intoxication, and designated occupational diseases. Industries covered.—All employments in the absence of contrary election. Persons compensated.—Private employment: All employees exeept casual. Public employment: Every employee of the Slate, municipality, etc., except persons receiving a salary greater than $1,200 per year, and those holding an elective office. Compensation for death: {a) The expense of the last sickness not exceeding $100. and not exceed$150 for burial. (b) To one dependent, 35 per cent of the wages of the deceased person, and for each additional dependent. 5 per cent additional, the total not to exceed (50 per cent, payable for not more than 300 weeks except, to dependents under 10, to whom payments continue. Com pensation not to be less than $8 or full wages, nor more than $17 per week. Payments to all dependents cease at death, to widows on remarriage, and to orphans on reaching the age of 16. A lump-sum payment may be substituted at the discretion of the court of common pleas. Compensation for disability: (a) Medical, surgical as necessary, and hospital services, not exceeding $100 in value, which may be extended on application to bureau. (b) For temporary disability 66% per cent of wages, payable during disability, but not beyond 300 weeks. (c) For permanent total disability, 66% per cent of wages during such disability, not beyond 400 weeks. (d) For certain specific injuries (mutilations, etc.) producing partial but permanent disabilities, 66% per cent of wages during fixed pe riods. in addition to payments for any period of total disability. Compensation is paid from the date of the injury if disability lasts more than 7 weeks. All weekly payments are subject to a minimum of $8 per week or full wages if less, and a maximum of $17 per week. A lump-sum payment may be substituted at the discretion of the workmen's compensation bureau. Revision of benefits.—At any time after one year from the time an award is made either party may demand a revision of benefits on the ground of change of condition. Insurance.—No provision in the principal act. Supplemental acts (ch. 178 and ch. 262, acts of 1917) require every employer, whether accepting the compensation act or not, to furnish proof of ability to carry his own in surance, or to be insured in an authorized company; the insurance provision does not apply to farm laborers or domestic service. Security of payments.—Insurance policies must be for the benefit of the employees, and be directly available on suits by them for their enforcement. The right of compensation has the same preference against the assets of the employer as is now or may hereafter be allowed by law for a claim for un paid wages. Settlement of disputes.—A workmen’s compensation bureau created by chapter 149, acts of 1918, is charged with the duty of hearing and determining disputes, subject to an appeal to the courts. 40 W O R K M E N ^ COMPENSATION LAWS— UNITED STATES NEW MEXICO Date of enactment.—March 18, 1917; in effect June 8, 1917. Amended 19*9, chapter 44; 1921, chapter 184. Injuries compensated.—Injury by accident arising out of and in course of employment, causing disability for more than 10 days, or death within one year, not due to the intoxication of the injured man or willfully suffered by him or intentionally inflicted by himself or Another. Failure of employee to observe statutory safety regulations or to use safety devices will cause the compensation to be reduced 50 per cent. Industries covered.—Extrahazardous occupations (enumerated list) in which four or more persons are employed, unless contrary election is made. If the injury is received while at work on a derrick, scaffold, etc., 10 or more foot above ground, the act applies without regard to the number of employees. Other occupations may be included by joint written agreement. Persons comp emoted.—Private employment: All employees in the industries covered, except those purely casual and not for the purpose of the employer’s trade or business. Public employment: Not mentioned. Compensation for death: (а) Seventy-five dollars for funeral expenses If death occurs as a proxi mate result. ( б) Forty per cent of earnings to dej»eiident widow or widower alone, with 5 per cent additional for each child: 25 per cent to one or t'vo orphans. 10 per cent additional for each additional child, totals in either case not to exceed 60 per cent. If no spouse or child sur vives, a parent or parents in any degree dependent receive 20 per cent: if none of the foregoing survive and there are brothers or sisters in auy degree dependent, 15 per cent shall be paid for one. and 5 per cent for each additional one, the total not to exceed 25 per cent. (c) No payment shall extend beyond 300 weeks, nor shall amounts paid partial dependents exceed the actual contributions made by tbe debased to their support. Payments cease on the remarriage of a widow or widower, on a child, brother, or sister attaining the age of 18, unless mentally or physically incapacitated for earning, on the death of any dei>endent. the adoption of an infant, or his be coming self-supporting before reaching 18 years of age. The earnings upon which death benefits are computed shall be taken as not above $80 per week, nor less thau $12 per week except where the earnings are less than $12 per week, then the amount of the earnings. Compensation for disability: (a) Medical, surgical, and hospital services for the first 10 days, not over $150 in value, unless an adequate scheme of hospital service has been provided for, in which case such scheme shall be followed out ( b) For total disability, 50 per cent of the workman’s earnings, for a term not to exceed 520 weeks. (c) For permanent partial disability. 50 per cent of earnings for specified injuries, for various periods ranging from 3 to 150 weeks, in addi tion to payments for any period of total disability; other cases to be compensated proportionately; disfigurement, not over $500. Weekly benefits shall be not more than $12 nor less than $6 per week, unless the earnings are less than $6, then full wages. Lump-sum settlements may be approved for part or all the benefits, for either disability or death. Revision of benefits.—The employer may at any time require a medical ex amination of a beneficiary, and the court may adjust awards accordingly. Insurance.—Employers under the act must file with the district court of the county insurance or security for the payment of benefits provided by this act, unless a certificate of financial ability is obtained. Securities of payments.—Policies of insurance must inure directly to the benefit of claimants. Benefits are exempt from attachment, garnishment, or execution, and can not be assigned. Settlement of disputes.—Act is administered by courts. Proceedings are to be summary as far as possible. Appeals lie to the supreme court. ANALYSIS OP IjAWS— NEW YORK 41 NEW YORK Date of enactment.—December 16, 1013: In effect July 1, 1914. Revised April 13, 1922; in effect July 1, 1922. Amended several acts each year. Injuries compensated.—Accidental Injuries arising out of and in course of employment, causing disability for more than one week, or death, unless caused by the willful intention of the Injured employee or by his intoxication while on duty; also disfigurements and specified occupational diseases. Industries covered.—“ Hazardous employments,” extensive list; all other em ployments in which four or more workmen or operatives are regularly employed, domestic and farm labor excepted. Employments not listed, including employ ments not for gain, may be brought under the act by voluntary action. Persons compensated.—Private employment: All employees in industries cov ered. Public employment: Included. Nonresident beneficiaries limited to wife, children, and dependent parents. Compensation for death: (a) Two hundred dollars for funeral expenses. (&) To a widow or dependent widower alone, 30 per cent of wages, 10 per cent, additional for each child under 18; orphans and dependent grandchildren, brothers or sisters under 18 receive 15 per cent each; dependent parents or grandparents, 25 per cent each. Aggregate payments in no case may exceed 66% per cent. (o) Payments to widow or widower cease on death or remarriage or wheu dependence of widower ceases, with two years’ compensation on remarriage; payments to children, grandchildren, brothers, and sis ters cease at 18, and to parents when dependence ceases. No wages in excess of $150 per month are considered iu computing benefits. If no dependents, $1,000 to special funds. Compensation for disability: (а) Medical and surgical treatment, apparatus, and hospital services as required, costs to be approved by the commission. ( б) For total disability, 66% per cent of wages during continuance, limited to $3,500 in temporary eases. (o) For partial disability, 66% per cent of wage loss, total not over $3,500 if temporary; for specified permanent partial disabilities, 66% per cent of wages for fixed periods, plus fixed healing time; separate provision for disfigurements; also allowance for rehabilitation. Payments may not be more than $20 nor less than $8 per week unless wages are less, then full wages. If disability lasts more than 49 days, compensation is payable from date of injury. Periodical payments may be commuted to one or more lump sums if the board deems it advisable iu the interests of justice. Revision of benefits.—Awards may be reviewed at any time and ended or increased or decreased within the limits fixed. Insurance.—Required in State fund or approved company* or proof of fiikancial ability to make payments (securities may bo required). Security of payments.—Insurance enforceable directly for benefit of claim ants ; insolvency of employer no release to insurer. Payments have same pref erence as unpaid wages, without limit as to amount. Settlement of disputes.—Settled by State industrial board, limited appeal to courts. 42 w o r k m e n ’ s c o m p e n s a t io n l a w s — u n it e d sta te s NORTH DAKOTA Date of enactment.—Approved March 5. 1010; effective July 1. 1910, chapter 102. Amended special session of 1919, chapter 73. and each year. Injuries compensated.—Injuries arising in the course of the employment causing disability for more than seven days or death within six years, not caused by employee’s willful intention to injure himself or to injure another. Industries covered.—“ Hazardous employments,” including any employment in which one or more employees are regularly employed in the same business or establishment, except agricultural or domestic service and common carriers by steam railroad. Employments not classed as hazardous may elect. Persons compensated.—Private employment: All persons engaged in hazard ous occupations, including minors, apprentices, and aliens, but excluding casual employees whose work is both casual and not in the course of the employer’s business, and executives receiving more than $2,400 per year. Public employ ment: All employees of the State or any political subdivision thereof. Compensation for death: (a) Burial expenses not to exceed $150. (b) To widow or wholly dependent widower without children, 35 per cent of the average weekly wages until death or remarriage; 10 per cent additional for each child under the age of 18, but not to exceed 06% per cent of the average weekly wages. Upon remarriage of widow she shall receive 350 weeks’ compensation in a lump sum. To .orphans under 18. 25 i>er cent for one and 30 per cent for each additional not to exceed 60% per cent of the average weekly wages. Payments cease at 18 unless incapable of self-support. To one dependent parent. 25 per cent, and to two, 20 per cent each, when there is no widow, dependent widower, or child: if there is, then such amount as not to exceed in all 66% per cent of the average weekly wages, to continue until death. To wholly dependent sister, brother, grandparent or grandchild, if no widow, widower, or child survives, if one, 20 per cent, if more than one. 30 per cent: to be equally divided, to continue for eight years or until death, marriage, or termination of dependency. To partial dependents, such percentages as may be allowed by board. Payments are to be computed on the basis of a minimum wage of $18 and a maximum of $30 per week. Compensation for disability: (a) Such medical, etc.. service and supplies as the injury may require. (b) For total disability, 66% per cent of the average weekly wages during disability. (c) For temporary partial disability, 66% per cent of the loss of earning capacity, during disability. (d) For permanent partial disability, 66% per cent of weekly wages for fixed periods determined by percentages of total disability. Compensation is paid from date of the injury if disability continues beyond seven days. The maximum weekly payment is $20, minimum $6, or full wages. Lump-sum payments may be made instead of weekly payments when bureau thinks it to be to the best interest of the beneficiary. Revision of benefits.—Bureau may review at any time, on its own motion or on application. Insurance.—Insurance in the State fund is required of ail employers in hazardous work. Security of payments.—Fund is administered by workmen's compensation bureau. Agreements to waive rights to compensation are invalid, and all assignments of compensation are void. Compensation is exempt from claims of creditors. Settlements of disputes.—All disputes are settled by the workmen’s compen sation bureau, with limited appeal to the district courts. ANALYSIS OF LAWS---- OHIO 43 OHIO Date of enactment.—June 15. 1911; iu effect January 1, 1912. Amended each session. Injuries compensated.—All injuries, not self-inflicted, received in the course of employment, causing disability beyond one week, or death. Industries covered.—All industries employing three or more persons regu larly in the same business; also establishments with less than three workmen, if the employer elects to pay the premiums provided by this act. Person* compensated.—Private employment: All employees excluding per sons whose employment is but casual and not in usual course of trade or busi ness of employer but including aliens and minors. Public employment: Per sons in the service of the State, or its political subdivisions, excepting the offi cials of the State or municipal governments, and policemen and flremen in cities where pension funds are established aud maintained. Compensation for death: (« ) Burial expenses not to exceed $150. (b) To persons wholly dependent, 0(5% per cent of the average weekly earnings of the deceased workman, not to exceed $18.75 weekly, for eight years, not less than $2,000 nor more than $6,500. (c) If only partial dependents survive, a proportionate sum, not to exceed $18.75 weekly, for such period, not over eight years, as the industrial commission may determine, not over $6,500 in all. (d) If no dependents, medical and hospital services not exceeding $200 in value and burial expenses as above. Dependence of children not presumed after 16 unless physically or mentally incapacitated. Compensation for disability: (a) Medical, hospital, etc., services, not to exceed $200, but more may be allowed in unusual cases of actual necessity. (b) For temporary total disability, a weekly payment of 66% per cent of average weekly wages, during disability, not less thaq $5 nor more than $18.75 per week, but not for longer than six years, nor exceed ing $3.150. (c) For permanent total disability, a weekly payment as above, continu ing until death. id) For partial disability, 66% per cent of loss of earning capacity, dur ing the continuance thereof, but not exceeding $18.75 per week, or a total of $3,750. (e) Tn certain specified injuries (mutilations, etc.), compensation of 66% per cent of wages, for fixed periods, with the same limitations as noted above. Special provision for disfigurement. Payments under (d) and (e) are in addition to payments during tem porary total disability. In all cases, if wages are less than prescribed minimum, then total wages arc paid as compensation; an expected increase in wages may be given consideration. The commission may commute future payments to one or more lump sums under special circumstances. Revision of benefits.—The industrial commission may from time to time make such changes in its former findings of fact as it deems necessary. Insurance.—The law creates a State insurance fund, under control of an industrial commission, in which employers under the act must insure, or give proof of ability to provide benefits equal to those provided by the State insur ance fund. Noninsuring employers may be required to give security or bond to guarantee the payment of benefits falling due. Security of payments.—Insurance is under *State control. Claims for com pensation under this law have the same preference against the assets of the employer as allowed by law on judgments rendered for claims for taxes. Settlement of disputes.—The commission hears and determines all cases within its jurisdiction, limited right of appeal to the civil courts being re served to the claimant. 1965°—26------ 4 44 W O R K M E N S COMPENSATION LAWS— UNITED STATES OKLAHOMA Date of enactment.—March 22. 1015; iu effect September 1, 1915. Amended 1919, chapter 14; 1923, chapter 61. Injuries compensated.—Personal injuries causing disability for more than five days arising out of and in course of employment, not due to the willful in tention of the injured employee to injure himself or another, intoxication, or willful failure to use statutory safeguard. Fatal injuries not covered. Industries covered.—“ Hazardous*’ (enumerated list and general clause), in which two or more persons are employed for pecuniary gain, including work by State or municipalities; agriculture, horticulture, stock raising, retail stored, and interstate railways not included. Persons compensated.---Private employment: Persons engaged in manual or mechanical work or labor in industries covered. Public employment: Work men employed for wages in any hazardous work within nieauing of this act. Compensation for death.—Fatal injuries not covered. Compensation far disability: (а) Necessary medical, surgical, or other treatment for first 60 days not to exceed $100 in value unless in the judgment of the commission a greater period or amount is required. Special provision for hernia. ( б ) For temporary total disability. 66% i>er cent of average weekly wages for not more than 300 weeks. (c) For permanent total disability. 60% i>er cent of average weekly wages for not more fhan 500 weeks. (d) For partial disability. 66% per cent of wage loss for not more than 300 weeks; for specified permanent injuries. 66% i>ei* cent of weekly wages for fixed periods in lieu of other coni])ensation. Payments may not exceed $18 per week nor be less than $8 unless wages were less than $8. when full wages will be paid. Periodical payments may be commuted to lump sums, and aliens who are non residents may have payments commuted to lump sums equal to onehalf the value of the present worth. Revision of benefits.—Awards may be reviewed at any time on application of any paity in interest. Insurance.—Employer must insure with a stock or mutual company or asso ciation of the State or companies out of the State issuing approved policies, or maintain a benefit fund, or provide satisfactory proof of ability to make compensation payments. Security of payments.—Insurance companies or fund systems must be ap proved by the commission. Claims can not be assigued. and payments are ex empt from levy, execution, etc. Deposits with the commission to secure pay ments may be required of employers or insurers. Settlement of disputes.—Disputes are co be settled by the industrial com mission, subject to appeal to the supreme court. ANALYSIS OF LAWS— OREGON 45 OREGON Date of enactment.—February 25, 1913; in effect June 30, 1914. [Deferred by referendum.] Amended each session. Injuries compensated.—Injuries or death by accident arising out of and in the course of employment, cxcept those brought about intentionally. Industries covered.—All hazardous occupations, including factories, mills, and workshops employing machinery* etc. (enumerated list) ; all in absence of con trary election. Other employers may accept the law by affirmative election. Persons compensated.—Private employment: Any workman employed in enu merated hazardous employmen Ls in absence of contrary election, except farm laborers, who may be brought under the law by election. Nonresident alien beneficiaries other than parent, spouse, or child are not included unless other wise provided by treaty. Public employment: State and municipalities, irriga tion districts, etc., may elect to come under the act. Payments are exclusively from a State fund, for which the employer deducts 1 cent from employee’s daily earnings, and himself contributes a percentage of his monthly pay roll, fixed according to industry. The State gives a subsidy. Compensation for death: (a) Burial expenses not to exceed $100. (&j To widow or invalid widower, a monthly payment of $30, and to each child under 16 (daughters 18), $8 a month. (c) To orphans under 16 years of age (daughters 18), a monthly payment of $15 each. (d) To other dependents, there being none of the foregoing, a monthly payment to each of 50 per cent of the average support received dur ing the preceding year, but not to exceed $30 a month in all. (e) To parents oi! an unmarried minor, a monthly payment of $25, until such time as he would have been 21, after which time compensation shall be paid according to (d) above. Payments to widow or widower continue until death or remarriage. On remarriage of widow she receives a lump sum of $300. Payments to a male child cease at 16 and to a female at 18, unless the child is an invalid. Compensation for disability: (a) Medical, surgical, and hospital expenses not exceeding $250 in value. (b) For permanent total disability, monthly payments as follows: (1) If unmarried at the time of the injury, $30; (2) if with wife or invalid husband, $35, and $8 additional for each child until 16 years of age. In case of death during total disability, from whatever cause, death benefits are payable to widow, widower, or children. (o) For temporary total disability, 40 to 66% per cent of monthly wages during disability, maximum $97, minimum $30 if single, or $40 if dependent spouse, unless wages are less. (d) For temporary partial disability, a proportionate amount, corre sponding to loss of earning power for not exceeding two years. (e) For certain specified injuries (mutilations, etc.), monthly payment of $25 per month payable for fixed periods, less the time during which any payments were made on account of total disability. A lump sum at the option of the injured person is provided in some cases. Partial lump-sum payments to any beneficiary may be substituted at the discretion of the commission, but not to exceed $4,000. Revision of benefits.—The rate of compensation may be readjusted either upon the application of the beneficiary or by the commission upon its own initiative. Insurance.— Insurance is effected through the State industrial accident fund, under supervision of the State industrial accident commission. Security of payments.—Insurance under State control. Settlements of disputes.—Any decision of the commission is subject to review by the circuit court, and appeals lie from the circuit court as in other civil cases. 46 W O R K M E N ^ COMPENSATION LAWS— UNITED STATES PENNSYLVANIA Date of enactment.—June 2, 1915; in effect January 1, 1916. Amended 1917, Nos. 57, 359, 395; 1919, Nos. 277, 306, 310, 441, 455; 1921, Nos. 67, 342; 1923, Nos. 29, 432. Injuries compensated.—Personal injury by accident in the course of employ ment, causing disability for more than 10 days or death in 300 weeks, not intentionally self-inflicted or due to the intentional act of a third person for reasons not connected with the employment. Industries covered.—All, unless employer makes election to the contrary. A supplemental act (No. 359, acts of 1917) requires all contracts with the State or any municipality to contain a provision that the contractor-shall accept the provisions of the compensation law. (Agricultural and domestic employees are excluded by a separate act.) Persons compensated.—Private employment: All persons rendering service to another for a valuable consideration, casual employees whose work is not in the regular course of the employer’s business, and outworkers excepted. Public employment: All employees. Compensation for death: (a) One hundred dollars funeral expenses. (b) Forty per cent of weekly wages to widow or dependent widower, 10 per cent additional for each child, tot’al not to exceed 60 per cent; if no parent, 30 per cent if one or two children, 10 per cent additional for each child in excess of two, total not to exceed 60 per cent; if no consort or child under 16, but dependent parent, brothers, or sisters, 15 to 40 per cent of wages. (c) Payments cease on death, remarriage of widow or widower, cessation of dependence of widower, or when a child, brother, or sister attains the age of 16; not to continue beyond 300 weeks, except for children under 16, when 15 per cent of wages will be paid for one and 10 per cent additional for each additional child, total not to exceed 50 per cent, until age 16. Basic wages are not less than $10 nor more than $20 weekly. Upon remarriage a widow is to receive the then value of the compen sation for one-tliird of the unpaid period. Compensation for disability: (a) Reasonable medical and surgical expenses for first 30 days after dis ability begins, cost not to exceed $100; in addition, hospital treat ment for 30 days at prevailing costs. (ft) For total disability, 60 per cent of weekly wages for 500 weeks, $12 maximum, $6 minimum, or full wages, total not to exceed $5,000. (c) For partial disability, 60 per cent of weekly wage loss, $12 maximum, for not over 300 weeks; fixed periods for specified injuries, in lieu of other payments, $12 maximum, $6 minimum, or full wages. Payments may be commuted to a lump sum. Revision of bencflis.—Agreements and awards may be reviewed by the board at any time for proper cause. Insurance.—Employers must insure in the State fund, a stock or mutual company, or give proof of financial ability. Security of payments.—Agreements or awards may be filed with a prothonotary, who enters them as a judgment, and if approved by the board they become a lien on the property of the employer. A separate act provides for direct payments from insurance companies to the beneficiaries, in case of the em ployer’s failure to make payments of benefits. Settlement of disputes.—Disputes are settled by the workmen’s compensation board, with appeal to courts. ANALYSIS OF LAWS— PORTO BICO 47 PORTO RICO Date of enactment—April 13, 1916; in effect July 1, 1916. Amended, 1917, No. 9. New act, February 25, 1918; in effect July 1, 1918, amended 1919, Nos. 61, 62; 1920, No. 1; 1921, No. 61; 1925, No. 102. Injuries compensated.—All personal injuries by accident occurring to a laborer in the course of his employment and due thereto, causing death within one year or disability, for more than seven days, excepting injuries due to an at tempt to commit crime or to injure himself, his employer, or another person; intoxication, or gross negligence, or the criminal act of a third person. Desig nated occupational diseases included. Industries covered.—All industries except domestic service. Persons compensated.—Private employment: All employees of employers cov ered by the act, clerical employees in offices and commercial establishments where machinery is not used excepted; also excepting employees whose earn ings exceed $1,500 per year. Public employment: Included. Compensation for death.—A compensation of one to four thousand dollars as a maximum to persons wholly dependent, the amount to be graded according to the earning capacity of the deceased, and the number of beneficiaries. Compensation for disability: ( a) Medical attendance, medicines and subsistence as may be prescribed, also hospital services when necessary. (b) For temporary disability an amount equal to one-half the weekly wages, not less than $3 nor more than $15, for not more than 304 weeks. (c) For permanent total disability not less than $2,000 nor more than $4,000, in proportion to the rate of wages earned at the time of in jury, the severity of the injury, and the probabilities of life. (d) For permanent partial disability, according to a fixed schedule, other injuries to be compensated according to a corresponding disability named in the schedule, no payment to exceed $2,000. Revision of benefits.—No provision. Insurance.—All payments are made from the workman's relief trust fund established by the act, to which all employers covered by the act contribute. Security of payment—Fund is administered by the treasurer of the island. Rights and actions not assignable nor subject to attachment. Settlement of disputes.—Claims are passed upon by the workman's relief commission, with limited appeal to the courts. 48 W O RK M E N ’ S COMPENSATION LAWS— UNITED STATES RHODE ISLAND Date of enactment—April 29, 1912; in effect October 1, 1912. Amended, 1913, chapter 987; 1915, chapter 1268; 1917, chapter 1584; 1919, chapter 1795; 1920, chapter 1900; 1921, chapters 2086, 2095; 192G, chapter 764. Injuries compensated.—Personal injuries by accidents arising out of and in the course of employment causing incapacity for earning full wages for a period of more than one week, or death, except where the injury resulted from the willful intention of the injured person to injure himself or another, or from intoxication. Industrie* covered.—All industries except domestic service and agriculture, if the employer elects. Defenses in suits for damages are not abrogated un less more than five persons are employed. Excepted employments may ac cept act. Persons compensated.—Private employment: All employees in establishments covered by this act in absence of contrary election, employees whose work is of a casual nature and who are employed otherwise than for the purpose of the employers business, and those earning above $8,000 a year excepted. Public employment: Employees of the State, and such classes of employees of cities and towns electing to accept the act as are designated in the act of ac ceptance, not including members of organized lire and police departments. Compensation for death: (a) To persons wholly dependent, a weekly payment equal to one-half the average weekly earnings of the deceased employee, but not less than $6 nor more than $14 per week, for a period of 800 weeks. (b) If only partial dependents survive, a sum proportionate to the amount which the annual contributions bore to the annual earnings of the deceased, for not exeeedng 800 weeks. (c) If no dependents, the expense of the last sickness and burial of the deceased employee, not exceeding $200. Payments to children cease on their reaching the age of 18 years un less they are physically or mentally incapacitated. Compensation for disability: (а) The necessary medical and hospital services for the first eight weeks after the injury, to cost not over $150. ( б) For total incapacity, a weekly payment equal to one-half the wages, but not less than $7 nor more than $16 per week, during such in capacity, but not for longer than 500 weeks, nor more than $5,000. (c) For partial incapacity, a weekly payment equal to one-half the loss of earning power, but not exceeding $10 nor less than $4 per week, during such incapacity, and not for longer than 800 weeks. (4) For certain specified injuries (mutilations, etc.). in uddition to the above, oue-lialf the wages, weekly payments to be not less than $4 nor more than $10 per week, for fixed periods. Payments begin on the eighth day, but if the incapacity extends be yond four weeks, they revert to the date of the injury. Lump-sum payments may be substituted by order of the superior court after compensation has been paid for six months. Revision of benefits.—Amounts payable may be reviewed and modified by the superior court at any time within two years, if the time for payments has not expired. Insurance.— Fiinployers must insure, give proof of financial ability to make direct payments, or furnish security or bond. If employees contribute to any approved scheme or insurance plan, proportionate added benefits must be provided. Security of payments.—Insurers are directly liable to claimants; beneficiaries have a first Hen on any sum due from insurers to the employer on any policy. Settlement of disputes.—Disputes are settled by the superior court on a pe* tition in the nature of a petition in equity, filed by any party in interest. Ap* peals may be carried to the supreme court by any aggrieved person. ANALYSIS OP LAWS— SOUTH DAKOTA 49 SOUTH DAKOTA Date of enactment.—Marcli 10. 1917; in effect June 1, 1917. Amended each session. Injuries compensated.—Injuries by accident arising out of and in course of employment, causing disability for more than 10 days or death, not due to in toxication or willful misconduct. Industries covered.—All except agricultural and domestic service, in the ab sence of contrary election; compulsory as to commercial threshing of grain. Exempt occupations may come in by voluntary election. Persons compensated.—Private employment: All persons in service under a contract of hire or apprenticeship, except those whose employment is both casual and not in the usual course of the business or trade o f the employer. Public employees: Employees of the State and its municipalities are included. Compensation in case of death: (а) To n dependent widow, child, or children, a sum equal to four times the average annual earnings of the deceased person, not less than $.1,050 nor more than $3,000; if none of these, similar amounts may be paid to a dependent parent, grandparent, brother, or sister. If there are none of the foregoing, collateral dependent heirs may re ceive such a percentage of the same amount as the deceased work man’s contributions to their support during the preceding two years are of his earnings during such period. ( б) If there are no dependents, the employer shall pay burial expenses in an amount not exceeding $150. Payments cease on the death of a beneficiary or the remarriage of a widow; but if there are dependent children, amounts otherwise due her go to the children. Dependents not residents of the United States at the time of deatli receive nothing. Compensation far disability: (а) Necessary medical, surgical, and hospital services for not more than 12 weeks nor in an amount above $150. ( б) For total disability, 55 per cent of the weekly earnings, not more than $15 nor less than $7.50, unless earnings are less, then full wages, until four years* earnings are paid, not to exceed $3,000. (c) For i>artial disability 50 per cent of the wage loss, not over $15 weekly, for not longer than six years; for specified injuries pay ments are to be made of 55 per cent of the wages for fixed periods, in addition to the amount paid during any period of total disability. (d) For serious and permanent disfigurement not giving rise to other awards, an award of not more than one year’s earnings. No payment is made for disability of not more than 10 days’ dura tion, but if it continues for 6 weeks or more, compensation is pay able from the date of the injury. Commutation to lump sums may be arranged for on a proper showing. Revision of benefits.—Awards may be reviewed by the industrial commis sioner at the request of either party, and modified according to the findings. Insurance.—Insurance in an approved company or association is required, unless satisfactory proof of financial ability to make payments is furnished, or security is deposited with the State insurance department to guarantee payments. Security of payments.— Insurance policies are to be valid regardless of the employer’s solvency, and must provide that the workman shall have a first lien upon any amount becoming due him thereunder. Claims are unassignable, and payments are exempt from execution. Settlement of disputes.—Arbitrators are to be chosen, one by each party, the industrial commissioner acting as chairman. If review is claimed, the com missioner may revise the decision or refer it back to the arbitration board. Appeal lies to the courts only on questions of law. 50 W O RK M E N ’ S COMPENSATION LAWS— UNITED STATES TENNESSEE Date of enactment.—April 15, 1919; effective July 1. 1919. Amended 1923, chapter 84. Injuries compensated.—Injury by accident arising out of and in course of the employment, causing disability for more than one week, or death, not due to employee’s intoxication, willful misconduct, or intentional self-inflicted in jury, or refusal to use a safety appliance or perform a duty required by law. Industries covered.—All employing live or more persons, except common car riers while engaged in interstate commerce and domestic and agricultural service. Small employers and the State and its municipalities may elect. Persons compensated.—Private employment: All employed in the industries covered except employees whose work is casual and not in the usual course of the employer’s business. Public employment: Employees are not covered unless the employer elects to come under the act. Compensation for death: ( a) Burial expenses not to exceed #100. (b) To widow, 30 per cent; with oue child, 40 per cent; two or more chil dren, 50 per cent. One orphan child, 30 per cent; each additional orphan, 10 per cent; total not to exceed 50 per cent. Dependent widower, 20 per cent. One dependent parent, 25 per cent; two de pendent parents, 35 per cent. One grandparent, sister, brother, mother, or father-in-law, 20 per cent; two or more, 25 per cent, of the average1weekly wages, in the order named. (c) If only partial dependents survive, a proportion of the above corre sponding to the relation of the contribution of the deceased to the total income of such dependents. Payments to children (apparently) cease upon their reaching the age of 18 years; to other dependents, on death or marriage; not over 400 weeks. The maximum weekly compensation is $.15 }>er week and the minimum $5, unless wages are less than $5, when full wages are paid. Compensation for disability: (a) Reasonable medical and surgical treatment for 30 days after notice of accident, not to exceed $100. (b) For temporary total disability. 50 per cent of average weekly wages, for not over 300 weeks. (c) For permanent total disability. 50 per cent of wages for not to exceed 550 weeks, reduced to $5 per week after 400 weeks, with maximum total of $5,000. (d) For temporary partial disability, 50 per cent of wage loss for not over 100 weeks. (e) For permanent partial disability, 50 per cent of wage loss, for not over 300 weeks; for certain specific injuries (mutilations, etc.) producing permanent partial disabilities, 50 per cent of wages during fixed periods. Payments are to begin on the fifteenth day; if disability continues for more than six weeks, they date from the injury. Payments may not exceed $15 per week nor be less than $5, unless wages are less, and may be commuted to a lump sum. Revision of benefits.—Revision of payments for more than six months may be made by the court on agreement of parties; or, in case of disagreement, oil application of one party. Insurance.—Insurance is required in an authorized insurance company or association, or bond or proof of financial ability to make payments; State fund for coal mining. Security of payments.—Insurance policies must inure directly to the benefit of the beneficiaries and be enforceable in an action* by them. Settlement of disputes.—Disputes are settled by the judge or chairman of the county court, with right of appeal to the courts. ANALYSIS OF LAWS— TEXAS TEXAS Date of enactment.—April 16, 1913; in effect September 1, 1913. Amended 1917, chapter 103; 1921, chapter 115; 1923, chapter 177. Injuries compensated.—Personal injury sustained in the course of employment causing incapacity to earn full wages for at least one week, or death, not due to the act of God, unlcAis the employment is specially exposing, nor to the inten tional act of a third person committed for personal reasons not connected with the employment, nor to the injured man’s willful intent to injure himself or another, nor received while intoxicated. Industries covered.—All in which three or more persons are employed, if the employer elects, except domestic and farm labor, railways (steam or electric) operated as common carriers, and vessels in interstate and foreign commerce. Persona compensated.—Private employment: All employees in industries in cluded, except those not in the usual course of the employer’s trade or business. Public employment: No provision. Compensation for death: (a) To the legal beneficiaries of the deceased employee, a weekly payment equal to 60 per cent of his wages, not less than $7 nor more than $20, for a period of 360 weeks, distributed according to law governing property distribution. (b) If no beneficiaries are left, the expenses of the last sickness and in addition a funeral benefit not to exceed $100. Compensation for disability: (a ) Medical and hospital care for the first four weeks; hospital care for two weeks additional if necessary. (b) For total incapacity, a compensation equal to 60 per cent of the aver age weekly wages of the injured person, but not less than $7 nor more than $20 per week, during such disability, but not exceeding a period of 401 weeks. (o) For partial incapacity, a compensation equal to 60 per cent of the loss of earning power during such disability, in no case to exceed $20 per week, but not exceeding 300 weeks, or for both partial and total dis ability, 401 weeks. (d) For certain specific injuries (mutilations, etc.), compensation equal to 60 per cent of the average weekly wages of the injured per son, for fixed periods, not less than $7 nor more than $20 per week, in lieu of all other compensation; proportionate for others, including disfigurement. A lump-sum payment may be substituted for weekly payments in cases of death or permanent total disability, subject to the approval of the industrial accident board. Revision of benefits.—On its own motion or on application of an interested party, the industrial accident board may at any time review an award. Insurance.—Employees come under the law only by taking insurance, which may be effected through the Texas Employers* Insurance Association, or in any company admitted to do business in the State. Security of payments.—Compensation is payable directly by the insurance association. Policies in other companies are subject to the provisions of the. act. All benefits are nonassignable, and exempt from garnishment, attachment, etc. Settlement of disputes.—Disputes are referable to the industrial accident board, whose decisions are subject to appeal to any court of competent juris diction. 52 W O RK M E N ’ S COMPENSATION LAW 3— UNITED STATES UTAH Date of enactment.—March 15, 1917; in effect July 1, 1917. Amended 19.19, chapter 63; 1921, chapter 67; 1923, chapters 44, 64; 1925 chapters 73, 80. Injuries compensated.—Injuries by accident arising out of or in course of employment, causing disability for more than three days, or death within three years. Industries covered.—Compulsorily, all except agriculture and domestic serv ice, in which three or more persons are employed; elective as to all exceptions. Persons compensated,—Private employment: All persons regularly employed under any contract of hire, but not including persons whose employment is but casual and not in the usual course of the employer’s business. Public employment: Every person in the service of the State or a municipality, in cluding regular members of the police and fire departments of cities and towns. Compensation for death: (a) Funeral expenses, not exceeding $150. (b) To persona wholly dependent, 60 per cent of the average weekly earn ings of the deceased employees, not to exceed $16, for not over six years, $2,000 minimum, $5,000 maximum; benefits may be extended indefinitely in discretion of commission. (c) To persons partly dependent, the same amount, subject to the same limits as to maximum, for all or such part of the period of six years as the commission may in each case determine. Payments to. beneficiaries cease on their death or remarriage; to female children on their attaining the age of 18, and to males on reaching the age of 16, unless mentally or physically incapacitated from earning. (d) When there are ik> dependents the employer or his insurer must pay, in addition to medical and funeral expenses, 20 per cent of a death benefit into the State treasury for a second-injury and total-dependents* fund. Nonresident aliens, except in Canada, receive one-half benefits. Compensation for disability: (а) Such medical, nurse, and hospital services and medicines as the em ployer or insurer may deem proper, not over $500 in value. ( б) For permanent total disability, 60 per cent of average weekly wages for five years, and 45 i>er cent thereafter until death, $16 maximum, $7 minimum. (c) For temporary total disability 60 per cent of weekly wages for six years, not to exceed $5,000: $16 maximum, $7 minimum, or actual wages. (<fc) For partial disability, 60 per cent of the weekly wage loss, not over $16 per week, for not more than six years, nor $5,000. For specified injuries causing permanent partial disability, 60 per cent, not over $16 weekly, is to be paid for fixed periods, in addition to payment for temporary total disability: proportionate awards for disfigure ment or injuries not enumerated. Any periodical payment under special circumstances may be com muted to a lump sum by the commission. Revision of benefits.—Revision may be made from time to time as in the opinion of the commission may be justified. Insurance.—Employers must insure in the State fund, in a stock or mutual insurance company, or give proof of ability to meet their own compensation payments; but approved benefit schemes may be maintained. Security of payments.—Policies in private insurance companies are binding without regard to the solvency of the employer, and are enforceable by the employee directly. Self-insurers may be required to deposit security or give a bond. Settlement of disputes.—Disputes are settled by the State industrial com mission, with limited appeal to the courts. ANALYSTS OF LAWS— VERMONT 53 VERMONT Date of enactment.—April 1, 1915; in effect July 1, 1915. Amended each session. Injuries compensated.—Personal injury causing disability for more than seven days, or death within two years, arising out of and in course of employ ment, not due to the employee's willful intention to injure himself or another, his intoxication, or failure to use a safety appliance. Industries covcrcd.—All industrial establishments in which more than 10 persons are employed, and commerce as far as permissible under Federal laws, domestic labor excepted, unless election to the contrary is made. Public serv ice under municipalities which elect compensation system. Persons compensated.—Private employment: All under contract with or in service of an employer; domestic and casual employees, those not in the usual course of the employer’s business, and those receiving more than $2,000 excepted. Public employees: All except elective, and those receiving in excess of $2,000 annually. Compensation for death: (a) One hundred dollars for funeral expenses if death occurs within two years. (ft) Thirty-three and one-third per cent of weekly wages to dependent widow or widower, 40 per cent if there be one or two children, and 45 per cent if more than two; to orphans, 25 per cent to one or two children, 10 per cent additional for each child in excess of two, total not to exceed 40 per cent; if no consort or child under 18. and dependent parent, grandparent, or grandchild, 15 to 25 i>er cent of wages. (<*) Payments to widow cease on death or remarriage; to widower on remarriage or cessation of dependency; to children on reaching age of J.8 unless incapable of self-support, in no case to exceed 2G0 weeks or $3,500 in amount: payments to other classes of beneficiaries end in 208 weeks at most. Basic wages- are not less than $5 weekly. Compensation for disability: {a) Medical and hospital services for first 14 days, not to exceed $100. ( b) For total disability 50 per cent of weekly wages for not more than 260 weeks. $J5 maximum. $6 minimum, or full wages, total not to ox coed $4,000. (r) For partial disability, 50 jwr cent of wage loss, maximum $10. for not more than 200 weeks. (d) For certain specified injuries, 50 per cent of weekly wages, but not more than $15 nor less than $6, or full wages, for designated periods, fol lowing the period of total disability, the total not to exceed 200 weeks. Special provisions for hernia. Payments may be commuted to one or more lump sums in any case. Nerision of benefits.- -Awards may be reviewed on application at any time, but not oftener than once in six months. Insurance.—Required unless deposit of security is made, or satisfactory proof of financial responsibility. Security of payments.—Employees may have direct recourse to insuring com pany ; insolvency of employer does not release insurer; compensation rights are preferred claims. Settlement of disputes.—Disputes are determined by a commissioner of industries, with appeal to courts. 54 W O RK M E N ’ S COMPENSATION LAWS---- UNITED STATES VIRGINIA Date of enactment.—March 21, 10.1.8, chapter 400; in effect January 1, 1019. Amended each session. Injuries compensated.—Injuries caused by accident arising out of and in course of employment, not due to the injured person's willful misconduct, intoxication, intention to injure himself or another, or failure to use a safety appliance or to perform some duty required by law or to obey a rule of the employer, and causing disability for more than 10 days or death within 0 years. Industries covered.—All employing regularly more than 10 persons, in ab sence of contrary election, domestic and farm labor and interstate commerce and intrastate common carriers usiug steam excepted. Persons compensated.—Private employment: All employees of employers under the act who do not them.selves make a contrary election, including minors and apprenrices, except employees whose employment is not in the usual course of the employers business. Public employment: All employees. Compensation for death: (a) Burial expenses not exceeding $100; if no dependents, $150. (ft) To persons wholly dependent a weekly payment equal to one-lialf the average weekly wages of the deceased; $12 maximum, $6 mini mum. (c) If only partial dei>endents survive, such proportion of the above as the amount contributed bears to the annual earnings of the deceased employee. (d) Payments may not extend beyond a period of 300 weeks, nor to chil dren after they attain the age of 18 years, unless physically or mentally incapacitated. Payments to a widow or widower are, on remarriage, to be divided among other dependents, if any. Compensation to alien dependents (Canada excepted) may not exceed $1,000. The tolal comi>ensalion may not exceed $4,500. Compensation for disability: (a ) Necessary medical attention for the first 60 days; additional services, including surgical and hospital services and supplies, may be fur nished at the employer's option, and must be accepted unless the industrial commission orders otherwise. (b) For total disability, one-half the weekly wages, not more than $12 nor less than $6 per week, for not more than 500 weeks, the total not to exceed $4,500. (c) For partial disability, one-lialf the wage loss, not more than $12 per week, for not more than 300 weeks; for specified injuries (loss of member or members) 50 per cent of the wages for fixed periods, maximum $12, minimum $6. Disfigurement not over 60 weeks. Lump sums may be substituted for periodic payments in any case after 26 weeks on agreement of the parties and the approval of the industrial commission. Revision of benefits.—The industrial commission may review ail award on its own motion before a judicial determination, or at any time on the applica tion of a party in interest on the ground of a change in condition. Insurance.—Every employer coming under the act must insure in a stock or mutual company, or in a State fund (none provided for), or furnish satis factory proof of financial ability to make direct payment. Security of payments.—Claims are not assignable, and are exempt from claims of creditors; payments have the same preference for full amount as wage debts. Notice to the employer is notice to the insurer, and policies must inure directly to the benefit of the person entitled to compensation. Settlement of disputes.—Disputes are settled by the industrial commission, subject to limited appeal to courts. ANALYSIS OP LAWS— WASHINGTON 55 WASHINGTON Date of cnactmcnt.—March 14, 1011; in effect October 1, 1911. Amended, each year. Injuries compensated.—Injuries causing disability for more than three days, or death, except injuries brought about intentionally. Industries covered.—All extrahazardous employment (enumerated list and covering clause), but not including railway employees engaged in interstate commerce; public utilities; State, county, and municipal undertakings involving ex Irahazardous work. Persons compensated.—Private employment: All employees in industries cov ered by the act; including employers on the pay roll at a rate not less than the average named in such pay roll. Public employment; All employees in in dustries covered by the act. Compensation for death: (a) Expenses of burial not to exceed $.100 if unmarried, $150 if widow or child survives. (b) To widow or invalid widower, a monthly payment of $35 with addi tional sums for each child under 16; $12.50 for first, $7.50 for second, and $5 for each othejr child. A widow receives in addition to monthly payments a lump sum of $250. (c) If no parent survives, a monthly payment of $25 to each child under 16 years of age, the total not to exceed $75 per month. (d) To other dependents, if none of the above survive, a monthly payment to each, during dependency, equal to 50 per cent of the average amount previously contributed to the dependent, the total not to exceed $20 per mouth. (e) To the parent or parents of an unmarried minor a monthly payment of $20 until the time he would have been 21. In case of dependence payments to parents of minors are governed by ((f). Payments to a widow or widower cease on death or remarriage, and to a child on reaching the age of 16 years. If a widow remarries, she receives a lump sum of $240. Compensation for disability: (а) Proper medical, etc., services and care during the period of disability, if temporary; if permanent, until awards are made. Employees con tribute one-half to medical aid fund. (D) For permanent total disability: (1) If unmarried, $35 per month; (2) if wife or invalid husband, but no child, $40 a month; if husband is not an invalid, $20; (3) if married, or a widow or widower with child or children under 16 years, $12.50 for first, $7.50 for second, and $5 a month additional for each other child; if constant attend ance is required, $25 per month additional. In case of death from whatever cause, while totally disabled, death benefits accrue as above. (e) For temporary total disability, payments as for permanent total dis ability during disability with specified rates for first six months, according to number of dependents. (d) For temporary partial disability, the payment as for total disability continues in proportion to loss of earning power, if over 5 per cent. (б) For specified permanent partial disabilities, lump sums up to $2,400, in lieu of other payments, other disabilities to be compensated pro portionately ; parents of an unmarried injured minor receive in addition 10 per cent of the award to such minor. Monthly payments may be converted into a lump-sum payment, not over $4,000, in case of death or permanent total disability. Revision of benefits.—Revision may be had upon application of the beneficiary or upon the motion of the department. Insurance.—Insurance is required in a State accident fund. Security of payments.—Accident fund under State control. Settlement of disputes.—By industrial insurance department, whose decisions are subject to review by the superior court; appeal as in other civil cases. 56 W O RK M E N ’ S COMPENSATION LAWS— UNITED STATES WEST VIRGINIA Date of enactment.—February 22, 191S; iu effect October 1, 1913. Amended 1915, chapter 9; extra session 19.13, chapter 1; 1919, chapter 331; 1923, chapter 58; 1925, chapter 68. Injuries compensated.—All personal injuries not the result of willful miscon duct or intoxication of the injured employee, disobedience to rules of employer, failure to use a safety device, or self-inflicted, causing incapacity for more than one week, or death within one year. Industries cot'ered.—All except domestic or agricultural labor, including the State and all government agneies. Persons compensated.—Private employment: All employees iu industries cov ered, including aliens, except members of firms, persons not legally employed, and the officers and managers of corporations. Public employment: Included, except elective officials. Compensation for death: (or) Reasonable funeral expenses, nor to exceed $150. (b) To the widow or invalid widower. $30 per month, and $5 per month additional for each child under the age of 16 years: orphans.•$10 each per month. (c) To other persons wholly dependent, if no widow, invalid widower, or child under the age of 16 years is left, 50 per cent of the average monthly support received from the deceased during the preceding year, not exceeding $20 per month, for six years. ( d) If the deceased was a single minor, to a dependent parent. (56% per cent of the earnings, not to exceed $7 per week for such portion of i> years as the commissioner may determine; if the parents were only partially dependent or deceased was under 16 years of age. then until the time when he would have become 21. (e) If only partial dependenrs survive, a compensation computed as in (<?>. with the same maximum. Payments to a widow or widower cease on remarriage, and to children on reaching the age of 16 years unless child is an invalid. If widow or invalid widower remarry within two years of death of employee, he or she is to be paid 2o per cent of balance of 10 years’ benefits. Compensation for disability: (а) Medical, surgical, and hospital services, not exceeding $8(>0: special treatment to reduce percentage of total disability maximum. $600. ( б) For temporary total disability, during such disability. 66% per cent of the average weekly enrnings for not exceeding 52 weeks, except that for certain ununifed fractures, etc.. the period may be 78 weeks. (c) For permanent disability. 66% per cent of wages for periods varying with degree of disability ‘ from 2 to 85 per cent, with special sched ule for maimings), periods ranging from 8 to 340 weeks: above 85 to 100 per cenl disability. 66% per cent of wages for life. Lump-sum payments may be substituted for periodic payments in case of either injury or death. Payments for all disabilities $8 minimum, $16 maximum. Revision of benefits.—Awards may be modified at any time. Insurance.—Insurance is effected through a State fund under the control of the compensation commissioner, or employers of approved ability may carry own risks, giving bond for performance of requirements not less than those of the law, without contributions from their employees. Security of payments.—Payments may be made only to beneficiaries, and are exempt from claims of creditors or attachment or execution. Settlement of disputes.—Disputes are settled by the commissioner; limited appeal to the supreme court of appeals. ANALYSIS OF LAWS— WISCONSIN 57 WISCONSIN Date of enactment.—May 3, 1911; in effect same date. Amended each session. Injuries compensated.—Personal injury by accident causing disability of at least one week. or death, growing out of and incidental to the employment, not intentionally self-inflicted ; occupational diseases included. Industries covered.—All, if employer elects; election presumed if three or more employees, agriculture and railroads excepted; railroads accept by joint election. Compulsory as to State and its municipalities. Persons compensated.—Private employment: Ail employees except those not employed in the usual trade, business, or occupation of the employer, in the absence of contrary election. Public employment: All employees of the State or its political subdivisions* officials excepted. Compensation for death: (a) The reasonable expense of burial, not exceeding $200. (b) To person s wholly dependent, a sum equal to four years* earnings, but not to exceed a total disability benefit. Annual earnings, $1,400 maximum. $525 minimum. (c) If only partial dependents survive, a sum not to exceed two years* earnings or four times contribution during preceding year. All payments to be made in weekly installments equal to 05 per cent of average earnings. Benefits for death reduced 1" per cent if d'.ie to intoxication, and increased a like amount if due to employer's failure to comply with a law or lawful order. Dependence of children ceases at 18, unless incapacitated. If no total dependents, four years’ earnings, $1,000 maximum, must be paid to a special dependency fund. Compensation for disability: (a) Medical, surgical, and hospital treatment for 90 days, and for such additional time as will in the judgment of the commission lesson period of compensation: artificial members are also to be supplied. (&) For total disability. 65 per cent of the average weekly earnings dur ing such disability for not over 1.000 weeks for employees under 31 years of age, reduced for older employees. (c) For permanent partial disability due to major injuries, a proportionate amount of a total disability indemnity, in addition to hcaiing time; for specified lesser injuries a sum equal to 65 ]>er cent of average weekly wages for fixed periods, ranging from 5 to 50 weeks, in lien of other payments, unless healing period is prolonged. (<J) For serious permanent disfigurement compensation may be allowed, not exceeding one years earnings. In case of temporary or partial disability the aggregate compensa tion for a single injury shall not exceed four years’ earnings: per manent total disability payments run from 280 to 1,000 weeks, ac cording to age of injured person. Compensation is reduced 15 per cent if injury was due to intoxication, and increased in like amount if due to the employer’s failure to comply with a law or lawful order. Lump-sum payments may be substituted at any time after six months from the date of injury. For certain maimings. employer pays $150 into second injury fund. Revision of benefits.—The commission may change any order or award with in 20 days if a mistake is discovered; appeals to court within 30 days. Insurance.—Required in approved companies or proof of financial ability. Security of payments.—Claims have the same preference as claims for labor, and are nonassignable and exempt from attachment or execution. The com mission may require security for payments running six months or more. Settlement of disputes.—By the industrial commission; limited review by the courts. 58 W O RK M EN ’ S COMPENSATION LAWS— UNITED STATES WYOMING Date of enactment.—Chapter 124, February 27, 1915; in effect April 1, 3915. Amended, 1917, chapter 69; 1919, chapter 117; 1925, chapter 324. Injuries compensated.—Personal injury causing disability for more than 7 days, or death, as a result of employment and not due to the culpable negli gence of the injured employee or to the willful act of a third person due to reasons personal to such employee or because of his employment. Industries covered.—Extrahazardous (enumerated list) ; interstate railroads, domestic service, agriculture and stock raising are excepted. Persons compensated.—Private‘employment: All employees in industries cov ered ; persons whose employment is purely casual and not for the purpose of the employer's business, clerical workers not exposed to the hazards of the employment, and officials excepted. Public employment: All employees in classes of employment designated; sheriffs, constables, and their deputies are expressly excluded. Compensation for death: ( a) .$150 for funeral expenses, unless other arrangements exist under agreement. (&) Lump-sum payments of $2,000 to widow or invalid widower, and addi tional sum, equal to $120 per year, until the age of 16 is reached for each boy, and 18 for each girl, the total for children not to exceed $3,600. If there are dependent parents and no spouse and no boy under 16, or girl under 18, a sum not exceeding $1,000. Payments to nonresident alien beneficiaries are limited to 33% per cent of the amounts above provided, and only the widow, sons under 16 years of age, daughters under 18, and parents are considered. Compensation for disability: (a) In eases of total disability and permanent partial disability, medical attention and care in a hospital, maximum $300, unless other ar rangement exists. ( b) For permanent total disability, lump sum of $4,000 if single or with wife or invalid husband, and a sum equal to $120 per year for each son under 16, and each daughter under 18, the total for children not to exceed $4,000. (c) For temporary total disability, $50 per month if single, $60 if married, and $7.50 monthly for each child under 16, the total monthly pay ment not to exceed $90, and the aggregate not to exceed the amount payable if the disability were permanent. (tf) For permanent partial disability, fixed lump sums, from $150 to $1,500, for specified injuries in addition to other payments; others in pro portion. No payments are made for the first 7 days unless disability continues for more than 21 days, when they date from the injury. All payments are lump sums except for temporary total disability. Revision of benefits.—No provision. Insurance.—Insurance in State fund required. Security of payments.—Insurance under State control; payments not assign able or subject to execution, attachment, etc. Settlement of disputes.—Disputes are settled by the district courts of the counties, with appeal to the supreme court of the State. ANALYSIS OF LAWS---- UNITED STATES 59 UNITED STATES—CIVIL EMPLOYEES Date of enactment.—Public No. 267, September 7, 191.6; in effect same date. Amended 1919, chapter 7, sec. 11; 1922, chapter 219; 1924, chapter 261; 1926, Public Act No. .432. Injuries compensated.—Personal injuries sustained while in the performance of duty, not duo to intoxication, willful misconduct, or intention to bring about injury, causing death within 6 years, or disability for more than three days, including diseases proximately caused by the employment. Industries covered.—All civilian employments of the United States Govern ment, of the District of Columbia, and the Panama Railroad Co. Persons compensated.—All civil employees of the United States, of the Dis trict of Columbia except policemen and firemen, and employees of the Panama Railroad Co. Compensation for death: (« ) $100 burial expenses, and transportation of body of resident of the United States dying away from home, if relatives desire it. (&) To widow or dependent widower alone, 35 per cent of the monthly wages of the deceased, with 10 per cent additional for each child, the total not to exceed 66% per cent. (c) If no parent survives. 25 per cent to one child, and 10 per cent addi tional for each additional child, the total not to exceed 66% per cent. (d) To dependent parents of deceased, 25 per cent if one, 40 per cent if both are dependent; if there is a widow, widower, or child, the parents’ rights are subordinate, and the total awards may not exceed 66% per cent. (6) Other dependent relatives rcceive benefits in smaller amounts subject to the claims of the foregoing relatives. Payments to a widow or dependent widower terminate on their death or remarriage; to a child on marriage, reaching the age of 18, or if over 18 and incapable of self-support, on becoming capable of self-support; payments to other beneficiaries are subject to the above limitations but may in no case continue beyond eight years. All payments are subject to a maximum of $66.67 per month, and to a minimum of $33.33, unless the actual earnings are less than that amount, when the compensation shall equal the earnings. Compensation for disability: (a) Reasonable medical, surgical, and hospital services and supplies (b) For total disability, 66% per cent of the monthly pay during the continuance of such disability. (c) For partial disability, 66% per cent of the difference in wage-earning capacity due to such disability. Payments are subject to the same maximum and minimum amounts as in case of death. Payments on account of death or permanent disability may be commuted to lump sum. Revision of benefits.—Awards may be reviewed at any time, either on re quest or by the commission on its own motion. Insuranee.—No provision. Security of payments.—Compensation is paid from special compensation fund. Settlement of disputes.—The United Slates Employees’ Compensation Com mission decides all questions arising under the act. 1965°—20----- 6 COMPARISON OP COMPENSATION AND INSURANCE SYSTEMS Insurance of the employer’s liability to pay compensation is recognized as an essential feature of the system in ail but three5 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 wuoie 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 le 1.—COMPENSATION AND INSURANCE SYSTEMS Insurance required in— State A lb a n ia _________________ _______ Alaska ____________ ____________ A ri/ona __________________________ California...................................................... Colorado ............................ Connecticut.. . . . . . . . . . . . . . . . . . . . . . . . . . J Compensation compulsory (14) or elective (32) State fund: E xd u el usivo (<■’•) or competitive (11) Private companies (34) or by sell-iusurance (35) Missouri__ . . . . . __ . . . . . . . . . . . . . . . . . . . . Montana__________________________ Nebraska__________________________ Nevada.. ________ _______. . . . . . ____ New Hampshire.......................................... Elective________ ........do...................... Comoulsory ®____ Coinw Htive.......... Either. no. ........do...................... ........do...................... Do. Elective________ ........ do...................... __ drt_______ Do. Do. Do. Comptilsorv_____ J................... ................ Do. ........do....... 1.........Competitive................. Do ........do...................... ..................................... Do. Do. Elective» ............... '.................................... ___ do__________ !_________________ Do. ....d o ...................... ........do...................... Do. ........ do..................... Do. ........ do...................... Do. C-oiiipUiSorv_____ Competitive........... Do. Private companies. Elective.................. Com petitive..___ Either. Do. Do. ........ do...................... Competitive_____ Do. ........do__________J Do. ........do...................... 1 Exclusive____. . . . Sell-i.-isuiancc.* New Mexico______ . . . . . . ___ ____ ____ New Yo»k_................................................... North D l‘rOlft___ _________________ Ohio............................................................... Oklahoma_________________ ........ <io......... Do. Com.Tifilsorv ! Cnmneritivo Do. ........do__ ______ ! Exclusive................ ........do___ ____ I........ do................. Seir-i-'smance.41 Ei .do ............... !..................... Pennsylvania ............. _. . . . . . . . . . . Porto Rico _____________ . . . . . . . . . . . . Rhcce ’si.ifid___ ________ . . . . . . . . . _ South Dakota_______________ Tennessee________ _________ Texas____________________ U ta h ............................................................... Vermont_________ _____ ____________ V irginia________ ___ ___ .... ________ Washington__________......__ West Virginia ______ .......____ Wisconsin____. . . . . . _______ . . . . . ____ Wyoming_________________________ Com i >ulsory___ __ Elective________ ____do_______ ........ no........... ....... ........do__ ______ Compulsory_____ Elect ive___l_____ ........ liO _______ Compulsory___ Ele< livo ............ ........ <io___ ....... Compulsory__ . . . Georgia____ . . . ___ . . . . . . . . _____. . . . . . H a w a ii........_. . . . . . . . . . . . __ ____ __ Id a h o __. . . . . . . . . . . . . . . . . . . . . . . . . _____ Illinois____________________________ Indiana__ . . . . . . . . . . . . . . . . . . . . _______ Iowa_____ .....______________ K a n s a s ...... . . . . . . . . . . . . . . . . . . . . . . . . __ Kentucky____________ ________ ____ Louisiana__________________________ Maine________________________ ____ Maryland______ __________________ M assachuseits_____________________ Michigan .................................................. • As to employers. TTIiMiliirA J.AlIIIOJ»V• ••••••»• Competitive Exclusive.______ Competitive*..... Compel itive___ E x clu sive ... ___ Exclusive_____ Do. Do. Do. Do. Piivale companies. Ml tar. >>o. Do. tielMiuuirattcv.* Either. • Compulsory as to coul mining. « f eif-insuring employers must contribute lo maintenance of State fund system. d Employers accepting the act must furnish proof of solvency or give bond; no other provision ay lo Insurance. • Coal mining only. •Alabama, Alaska, and Kansas. 60 COMPARISON OF SYSTEMS 61 Of the 43 States requiring insurance, 19 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 & 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 11 States the system is competitive. Of the 34 States permitting insurance in private companies, all but 2 (Massachusetts and Texas) permit self-insurance as well; and of the number permitting self-insurance (35), 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 pajrments. 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 man aged 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 docs 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 employment are 12 in number—Illinois, Kansas, Louisiana, Maryland, Missouri (when there are less than 10 employees) Montana, New Hampshire, New Mexico, Oklahoma, Oregon, Washington, and Wyoming. Enu meration is made in the laws, out 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 employ ments, 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 23 States. Voluntary acceptance is generally provided for, as is the case in regard to employments not classed as hazardous. The following table shows 62 W O R K M E N ^ COMPENSATION LAWS— UNITED STATES the list of States in which the number of employees determines coverage: T able 2.—STATES MAKING NUMERICAL EXEMPTIONS, BY MINIMUM REQUIREMENTS Employers are exempt who have less than— 2 em ployees (I) Oklaho ma. 4 emptogas 3 em ployees (6) 6 employees (0) Arizona. Colorado. Kentucky. New Mex Ohio. ico. New York.1 Texas. Utah. Wisconsin. Alaska. Connecticut. Delaware. Kansas. New H am p shire. Tennessee. 6 employees 10 em- * ir 11 em ployees (2) Maine, Georgia. Vermont. llh ode Is Missouri. Virginia. land. 16 em ployees (1) Alabama. i 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 laws 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 27 States; in several of these the inclusion is compulsory where the law is elective as to private undertakings. The States are: Arizona (if receiving not over $2,400), California, Colorado, Connecticut, Hawaii, Idaho (if receiv ing not over $2,400), Illinois, Indiana, Louisiana, Maine, Michigan, Montana, Nebraska, Nevada, New’ Jersey (if receiving not over $1,200), New York, North Dakota, Ohio, Oregon, Pennsylvania, Porto llico, Rhode Island, South Dakota, Utah, Virginia, West Vir ginia, and Wisconsin. In 13 States there is a partial inclusion of public employees (Ala bama, Delaware, Georgia, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Minnesota, Oklahoma, Vermont, Washington, and Wyoming). Public employees are excluded in six States (Alaska, Missouri, New Hampshire, New Mexico, Tennessee, and Texas) though in Missouri and Tennessee the law authorizes an affirmative accept ance of its provisions by the State, its counties and municipal corporations. OTHER EXCLUSIONS Employees whose employment is but casual and (sometimes “ or ” ) not in the usual coarse 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 is provided in a few States as follows: Hawaii ($36 per week), Missouri ($3,600 per year), North Dakota (executive officers receiv COMPARISON OP SYSTEMS 63 ing more than $2,400 per year), Porto Rico ($1,500 per year), Rhode Island ($3,000 per year), and Vermont ($2,000 per year). The abrogation of the common-law defenses in suits against non electing 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. OCCUPATIONAL DISEASES No law in its original enactment made specific provision for com pensating occupational diseases. The dominant idea of accident has given way by degrees, however, until at the present time 12 States and the Federal Government provide compensation, either for oc cupational diseases generally or for designated diseases of this class. The Federal statute and that of North Dakota include under the term “ injury” any “ disease proximatelv caused by the employ ment” ; while that of California compensates for “ any injury or disease arising* out of the employment.” The other laws are generally more restrictive in their terms. The States recognizing occupa tional diseases as entitled to compensation are California, Connecti cut, Hawaii, Illinois (in certain employments, by separate act), Massachusetts (by court decision), Minnesota (list), New Jersey (list), New York (list). North Dakota (list), Ohio (list), Porto Rico (list), Wisconsin, and the United States. The law of Kentucky also, by recent amendment, includes “ injuries or death due to the inhala tion in mines of noxious gases or smoke, commonly known as 4bad air,’ and also shall include the injuries or death due to the inhalation of anv kind of gas.” ELECTION In 22 of the 32 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 insur ing signifies election. Inducement to election is offered by 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. SUITS FOR DAMAGES Actions for damages are generally forbidden where both parties have accepted the act, but in New Hampshire (an elective State) the employee may, after his injury, choose which remedy he will pursue. Where, under an elective law, the employer has acceptd the act, a rejecting employee may sue, but the employer retains the common-law defenses, except in New Jersey and Pennsylvania. Upon failure of an employer to provide the insurance required by the act 64 w o rk m en 's COMPENSATION LAWS— UNITED STATES or his default in premiums, the employee majr, in 24 States,0 bring action for damages witli the common-law defenses removed. Suit may be brought also in 9 States 7 if there is “ i n t e n t o r “ deliberate intent ” on the part of the employer to injure, or if the injury is due to his gross negligence or willful misconduct. No suits are permitted in 16 States.8 WAITING TIME Most laws require a minimum duration of disability as a condition to the payment of compensation benefits. This does not apply to medical and hospital relief, which is to be provided at once. Two States 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. In several States the waiting time is compensated for if the dis ability continues for a specified term; or a part may be taken up in each 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 oi compensation from date of injury, shown in the figure in parenthesis following the name of the State: T abij: 3.— WAITING TIME REQUIRED BY EACH STATE, AND TERM REQUIRED FOB FULL PAYMENT No waiting time (2) 3 days (5) Oregon. South Dakota.* Maryland. Missouri (4). Utah. ■Washington. United States. 5 days (1) Oklahoma. ! i 1 !i l week (31) 10 days (4) Alaska (8). Arizona (2). California. Connecticut (4). Georgia. Hawaii.* Idaho.c Illinois (4). Indiana. Kansas. Kentucky. Louisiana (6). Maine. Massachusetts (4). Michigan (0). Minnesota (4). Nebraska (0). Nevada (1). New Hampshire (i). New Jersey (7). New York (7). North Dakota (1). Ohio. Porto Rico. Rhode Island (4). Tennessee (6). Texas. Vermont. West. Virginia. Wisconsin (3). Wyoming (3). Colorado. Now Mexico. Pennsylvania. Virginia (6). 2 weeks (4) Alabama (4). Delaware (4). Iowa.Montana (6). * By administrative construction of conflicting provisions. * 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 seventii weeks of disability. *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. 0 Arizona, California, Connecticut, Delaware, Indiana. Iowa, Kentucky, Maryland, Mich igan. Montana, Nebraska, Nevada, New York, North Dakota, Ohio. Oklahoma. Oregon, Pennsylvania, Rhode Island, South Dakota, Tennessee, Utah, West Virginia, and Wyoming. 7 Arizona, Kentucky, Maryland, Oregon, Porto Rico, Texas, Utah, Washington, and West Virginia. 8 Alabama, Alaska, Colorado, Hawaii, Idaho, Illinois, Kansas, Louisiana, Maine, Mas sachusetts, Minnesota, New Jersey, New Mexico, Vermont, Virginia, and Wisconsin. COMPARISON OF SYSTEMS 65 COMPENSATION SCALE The amounts actually payable under the acts are determined by three factors, the rate (usually a percentage of the wages), term, and (in most States) a fixed maximum weekly or total payment, or both. PER GENT OF WAGES In all but two States (Washington and W yom in g) 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 prescribed percentage remains uniform for all injuries. A few States have varying percentages for different types of injuries, and in several the percentage varies with conjugal condition and number of children. Using as a basis th? rates for temporary total disability, it appears that 50 per cent of the employees’ wages is allowed in compensation in 16 States (Alabama (60 per cent if two or more children), Alaska. Colorado, Connecticut, Delaware, Georgia, Illinois (65 per cent ir three or more children), Montana, New Hampshire, New Mexico, Oregon (40 to 66% per cent, according to number of dependents), Porto Rico, Rhode Island, Tennessee, Vermont, and Virginia); 55 per cent in 3 States (Idaho (increased 5 per cent for each child, total payments not over $16 weekly), Indiana, and South Dakota); 60 per cent in 8 States (Hawaii, Iowa, Kansas, Michigan, Nevacla, Pennsylvania, Texas, and U tah); 65 per cent in 5 States (Arizona, California, Kentucky, Louisiana, and Wisconsin) ; and 66% per cent in 12 States (Maine, Maryland, Massachusetts, Minnesota, Missouri, 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 by 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. The provisions as to partial disability here reproducer] are distinct from those contained in the schedules found in most iaws. 66 w o r k m e n 's COMPENSATION LAWS— UNITED STATES T a b le 4.—MAXIMUM PERIODS AND MAXIMUM AMOUNT OF COMPENSATION PAY ABLE IN CASE OF DEATH, PERMANENT TOTAL DISABILITY, AND PARTIAL DIS ABILITY Death Permanent total disability Partial disability Weeks Amount Weeks State Weeks Alabama... Alaska....... Arizona___ California.. Colorado... Connecticut... Delaware___ Georgia.......... Hawaii........... Idaho............. Amount 800 $5,000 7,800 Death or remarriage. ___ 1 6,000 312 8,750 312 ._________ *285 1................ . 300 5,000 312 5,000 400 Illinois.. . . — Indiana....... Iowa............ Kansas........ Kentucky... 300 300 Louisiana_____ Maine............ Maryland........ Massachusetts. Michigan......... 300 300 416 500 300 335 4,350 5,000 8,800 4,000 4.000 0,000 4.000 550 Life. Life. Life. 520 475 350 312 Life. Life. 500 400 416 416 400 500 Life. 500 500 $5,000 7,800 4.000 5.000 5.000 5,000 6.000 8,000 Life. 4300 500 Life. Life. 300 New Jersey___ New Mexico... New York....... North Dakota. Ohio................ •300 300 Death or remarriage. Death or remarriage. 416 | 6.500 400 520 Life. Life. Life. Oklahoma....... Oregon............. Pennsylvania.. Porlo Rico....... Rhode Island.. Not covered. Death or remarriage. •300 .................. 4,000 300 COO Life. 500 3,000 Life. 550 401 Life. 260 3.000 500 Lifo. Life. 4,500 Virginia........... Washington.... West Virginia.. Wisconsin........ Wyoming........ United States.. 400 300 312 260 5,000 3.500 300 4,500 Death or remarriage. Death or lemarriage. ...............I 5,600 ...............! 5,600 Death or remarriage. 1,000 Lifo. 520 285 300 312 150 416 300 225 416 335 5.000 4.000 During disability. 500 7.000 Death or remarriage.1 300 I.................. 400 .................. 350 |.................. Death or remarriage. South Dakota.. Tennessee____ Texas.............. Utah................ Vermont.......... 800 During disability. 1240 During disability. 6,000 Minnesota-------Missouri............. Montana............. Nebraska............ Nevada............... New Hampshire. 500 Amount 10,000 3,120 5,000 4.000 3,750 4,000 300 100 150 300 260 500 150 During disability. During disability. During disability. 5.000 4.000 5.000 6.000 4,000 8,000 300 104 300 300 312 300 300 312 300 340 During disability. During disability. 3.500 ‘ 3,"750 2,000 5,000 2,400 1,500 >For life if 70 per cent or more disabled. •To orphans or abandoned children till 16. •Maximum $7,500. •Then 25 per cent of annual earnings for life. •To minor dependents till 16. There is quite apparent a tendency to recognize the greater eco nomic loss in case of a permanent total disability than in ease of death. Death benefits continue in eight States9 and under the Fed • Arizona, Minnesota, Nevada, Now York, North Dakota, Oregon, Washington, West Virginia. COMPARISON OF SYSTEMS 67 eral law for life or until remarriage, while 18 States10 and the Federal Government pay life benefits for permanent total disability. The significance of the latter provision is qualified in a few States by the limitation on the total amount payable, as $3,000 in South Dakota and $3,000 in Maryland. Measured by the.se, the $10,000 fixed in Minnesota has the merit of comparative liberality, but its provisions would be exhausted in 500 weeks at the maximum allowed rate of $20 per week. This period is equaled in eight other States11 establishing limitations and exceeded in four.J2 Hut here again a comparative liberality in term of payment is affected by the maximum amount payable, which does not exceed $5,000 except in two States ($6,000 in Maine and $7,000 in Michigan). Except in two States,18 death benefits are a percentage of the em ployees’ 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 285 weeks (Delaware). Thirteen States ** pay for 300 weeks, seven10 for from 312 to 360 weeks, and six17 from 400 to 500 weeks. In Delaware, New Jersey, and Pennsylvania payments to certain minors continue to the age of 16, regardless of the expira tion of the period fixed. WEEKLY MAXIMUM AND MINIMUM Another leveling feature of most laws is the establishment of a weekly maximum and minimum. The former may prevent the higher paid employee from securing the full proportion of his earn ings that the percentage provision would indicate, while the mini mum named is often affected by a qualification that if the wages received are less 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 industrial accidents in the most favorable States 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 tem porary total disability five States18 have a maximum of $12, two19 10 Arizona, California, Colorado, Idaho, Illinois, Maryland, Minnesota. Missouri. Ne braska, Nevada, New York, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington, West Virginia. 11 Indiana, Maine, Massachusetts. Michigan, Oklahoma, Pennsylvania, Rhode island, Virginia. 1SAlabama, Connecticut, New Mexico, Tennessee. 13 Alaska and Wyoming. 14 Tiii'oo years, mi California, Kansas, New Hampshire; four years, in Illinois, South Dakota, Wisconsin. 13 Alabama, Georgia, Indiana, Iowa, Louisiana. Maine. Michigan. Missouri. New Jersey, New Mexico, Pennsylvania, Uhodc Island, and Virginia. 10Colorado, Connecticut, Hawaii, and Utah, Jill! weeks; Kentucky, : Nebraska :550; Texas, 300. 11 Idaho, Montana. Tennessee, 400 weeks; Maryland and Ohio, 41G; Massachusetts, 500, 18 Colorado, New Mexico, Pennsylvania, Tennessee, Virginia. » Indiana, $13.20; Michigan, $14. 68 W O R K M E N ^ COMPENSATION LAWS— UNITED STATES of over $12 and under $15. twelve20 of $15, five31 of $10, one22 of $17, three23 of $18, while twelve24 permit amounts above $18 per week. Monthly maximums are prescribed in Nevada ($72), 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, the 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 66. 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 two methods* exist side by side in most States^ all the laws but that of New Hampshire and the Federal statute having schedules of greater or less fullness, while injuries not included therein are compensated on a percentage basis. In all but three States the schedule payments are weekly amounts based on wages; while in these three (Alaska, Washington, and Wyoming) the payments are fixed sums. In Wisconsin weekly periods are fixed only for “ lesser permanent partial” injuries, major injuries being compensated on the basis of percentage of permanent total disability. Schedule provisions may provide lor 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 pay ments are exclusive in 19 States,26 and are in addition to the healing period in 25.2tt 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 maxi mum term of BOO weeks. In Maine the schedule payment is in lieu of temporary total disability payments, but subsequent partial disability is compen sated 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 other payments, but if the period of temporary total disability is pro tracted bevond designated periods, the scliedule period is’ extended correspondingly. In Georgia a uniform period of 10 weeks is al lowed 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: 90 Alabama. Delaware. Georgia, Iowa, Kansas, Kentucky, Montana, Nebraska. Now Hampshire, Porto Rico, South Dakota, and Vermont. 21 Idaho. Massachusetts, Rhode Island, Utah, West Virginia. 22 New Jersey. “ Maine. M a ryla n d, and Oklahoma. “ Wisconsin, $18.20; Ohio, $18.75; Illinois, $19; Hawaii. Louisiana, Minnesota, Mis souri, New York, North Dakota, ai d Texas, $20; California, $20.83; Connecticut, $21. » Alabama, Alaska, California, Delaware, Indiana, Iowa, Kansas. Kentucky, Louisiana, Michigan, Missouri, Montana, New York. Oklahoma, Pennsylvania, Tennessee, Texas, West: Virginia, and Wisconsin. 20 Arizona, Colorado, Connecticut, Georgia, Hawaii, Idaho, Illinois, Maryland, Massacl'usetts, Minnesota, Nebraska, Nevada, New Jersey, New Mexico, North Dakota, Ohio, Oregon, Porto Rico, Rhode Island, South Dakota* Utah, Vermont, Virginia, Washington, and Wyoming. 69 COMPARISON OP SYSTEMS T a b le 5.—NUMBER OF WEEKS FOR WHICH COMPENSATION IS PAYABLE FOR SPECI FIED INJURIES IN THE SEVERAL STATES Loss of— State In Mid LitArm dex dle Ring! tie (at fin shoul Hand Thumb fin fin fin ger ger ger ger der) 60 35 65 39 *42 *34 35 18 38 38 60 35 30 20 15 30 22 17 <25 *25 *16 13 7 9 30 25 20 30 20 15 Sight Hear Hear Other of ing, ing, Foot Oreat toe too one one both eye ear ears w AJa.i.......... 200 Ariz.*_____ 260 Calif.*........ •246 Colo.*____ 208 Conn.*____ 208 Del.*.......... 104 150 217 *180 J04 156 158 Oa.*........... Hawaii*... Idaho1___ 111.*............ lnd.i_____ 200 312 200 200 250 150 244 1E0 150 200 60 60 30 60 60 35 46 20 35 40 30 30 15 30 35 20 25 12 20 30 15 15 9 15 20 175 288 180 175 200 125 205 125 125 150 30 38 15 30 60 10 10 6 10 20 100 128 100 100 150 Iowa *__. . . Kans.*....... Kv.i.......... La.1........... Mo.«.......... 225 210 200 200 150 150 150 150 150 125 40 60 60 50 50 30 37 45 30 30 25 30 30 20 25 20 20 20 20 18 15 16 15 20 15 200 200 200 175 150 125 125 125 125 125 25 30 30 20 25 15 10 10 10 10 100 110 100 100 100 50 25 150 100 Md.*.......... Mass.*____ Mich.1 Minn.* . ... Mo.*.......... Mont.1. . . . . 200 50 200 200 23$ 200 150 50 150 175 175 150 50 12 60 60 60 30 30 12 35 35 45 20 25 12 30 80 35 15 20 12 20 20 35 12 15 12 15 15 22 9 175 50 175 200 207 200 150 50 125 150 150 125 25 12 30 30 40 16 10 12 10 10 14 6 100 50 100 100 118 100 50 100 52 44 156 168 120 Nebr.*... .. Nev.* ... N. J.*......... N. Mex.*___ N. Y.«....... 225 260 200 150 312 175 217 150 110 244 60 65 60 30 75 35 39 35 20 46 30 30 30 15 30 20 22 20 10 25 15 17 15 12 15 215 217 175 140 288 150 173 125 100 205 80 80 30 15 38 10 11 10 8 16 125 108 100 100 160 50 87 40 35 100 260 160 135 150 N. Dak.*... Ohio * ....... Okla.1. . . . . . Oreg.*........ Pa.i............ 312 200 250 416 215 260 150 200 329 175 60 60 60 104 60 42 35 35 69 35 86 30 30 39 30 24 20 20 35 20 18 15 15 26 15 286 175 175 381 215 208 125 150 277 160 38 30 30 43 16 10 10 17 130 100 100 173 125 156 410 R. I.* S. Dak.*.... Teiiii.1....... Tex.1.......... Utah * 100 200 200 200 200 75 150 150 150 150 25 50 60 60 30 15 35 35 45 20 12 30 80 80 15 12 20 20 21 12 12 15 15 15 9 100 160 175 200 180 75 125 125 125 125 12 30 30 30 15 12 10 10 10 6 75 100 100 100 100 Vt.*............ Va.*........... W. Va.1___ Wis.i.......... 170 200 240 140 150 200 40 60 80 25 35 40 85 20 80 28 25 15 20 20 15 10 15 20 16 170 175 240 120 125 140 20 30 40 25 10 8 16 8 100 1G0 132 175 125 217 170 *206 * 166 208 104 182 130 194 135 30 10 100 30 11 108 *34 . . . . . . * 125 104 18 13 104 38 30 10 113 87 160 260 35 52 139 150 60 35 150 312 115 100 150 150 43 50 170 1 Payments under this schedule are exclusive of or in lieu of all other payments. * Payments under this schedule are in addition to payments for temporary total disability during the healing period. 1 Compensation varies with occupation and age. Figures given are for laborer, 45 years of age. « 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 unless 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 class of injury. MEDICAL BENEFITS All compensation States now provide medical benefits. In 9 States27 and under the Federal law neither time nor amount is limited. The period is without limit in 8 other States which limit * California, Connecticut, Hawaii, Idaho, Nebraska, New York, North Dakota, Porto« Rico, and Washington. 70 W O R K M E N ^ COMPENSATION LAWS— UNITED STATES the amount, while the time but not the amount is limited in 11 States. However, time or amount or both may be increased in the discretion of the commission in 19 States, so that there are but 9 States28 in which both items are absolutely restricted. The provision is generally without cost to the workman, but in Alaska the employer may deduct $2.50 per month, in Arizona and Nevada, one-half the cost, not over $1 per month, and in Washing ton one-half the cost, from the employee’s wages to maintain a medical fund. The following table presents the facts in more detail: T a b le 6 .-M A X IM U M PERIODS AND AMOUNTS OF MEDICAL SERVICE UNDER VARIOUS COMPENSATION LAWS State Maximum period Alabama.................. Alaska...................... Arizona.................... California.............. Colorado.................. Connecticut............ Delaware________ Georgia.................... Hawaii..................... Idaho.......................... Illinois.................. Indiana................. Iowa...................... Kansas............. . Kentucky............ Louisiana............. Maine................... M aryland............ Massachusetts__ Michigan............. M inncsota........... Missouri............... Montana.............. Nebraska............. 60 days___ 1 year......... 90 days Unlimited. 60 days...... Unlimited. 30 days .......d o ■___ Unlimited. .......do........ 8 weeks *... 30 days * ... 4 weeks.. . . 60 days....... 90 days1. . . Unlimited. 30 days Unlimited. 2 weeks *... 90 days....... .......d o 1----60 days >... 6 months... Unlimited. Maximum amount $100 Unlimited.* Unlimited.9 Unlimited. 200 Unlimited. MOO 100 Unlimited. Unlimited. 1200 Unlimited. > 100 150 i 100 250 »100 500 Unlimited. Unlimited. Unlimited. 250 500 Unlimited. State Maximum period Nevada...................... New Hampshiro___ New Jersey............. New Mexico........... New York............... North Dakota........ Ohio.......................... Oklahoma............... Oregon..................... Pennsylvania......... Porto Rico.............. Rhode Island........... South Dakota........ Tennessee................ Texas........................ Utah......................... V erm on t................ Virginia........ .......... Washington............ West Virginia____ Wisconsin............... Wyoming................ United States......... 6 months 14 days........ Unlimited.. 10 days...... . Unlimited.. ...... do........ . do. 60 days *__ Unlimited.. SOdays........ Unlimited.. 8 weeks___ 12 weeks.... 30 days........ 4 weeks1__ Unlimited.. 2 weeks___ 60 days...... . Unlimited a. do. 90 days1__ Unlimited.. .......do........ Maximum amount Unlimited.* Unlimited. »$100 150 Unlimited. Unlimited. >200 >100 U00 1250 Unlimited. 150 150 100 Unlimited. 1500 100 Unlimited. Unlimited. 800 Unlimited. 300 Unlimited. i Additional sorvice in special cases or at discretion of commission. * Employees contribute. 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 nine States20 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 Ithode Island). Disputes are settled by the courts, though arbitrators are provided for in Kansas. Summary procedure is generally 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. 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 28Alabama, Colorado, Kansas, Montana, New Mexico, Rhode Island, South Dakota, Tennessee, and Vermont. 20Alabama (limited supervision by compensation commissioner), Alaska, Kansas, Louisiana, New Hampshire, New Mexico. Rhode Island (commissioner of labor exercises certain functions), Tennessee and Wyoming (fund is supervised by State treasurer). COMPARISON OF SYSTEMS 71 reports, showing causes, nature, severity, and costs has been too little recognized, even among those charged with the administration of the laws; while the employer has been too prone to minimize or disregard the occurrence of accidents except as an unfortunate inci dent and a possible source of an action for damages. The necessity of securing 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. Only 21 States80 call for reports of all accidents, while 9 require reports of those causing disability of one day 31 or more than one day.™ Other periods prescribed are: More than two days, Penn sylvania: one week, Georgia (or requiring medical, etc., aid) and Rhode Island; more than one week, Illinois and Virginia; 10 days, Colorado; and over two weeks, Alabama. In four States83 reports are to be made as directed or required by the authorities. The States84 whose compensation laws contain no provisions for reports of accidents 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. In Tennessee, besides the reports by coal operators in the State fund, mine operators generally and employers in mills, factories, etc., must report, the former to the chief mine inspector, and the latter to the inspector of factories and workshops. Existing deficiencies in the compensation laws in regard to acci dent reporting and prevention are offset to some extent by the fact that 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 statutes, though some may also prescribe standards. Though some develop ment appears in the direction of combining compensation adminis tration with the enforcement of labor laws generally, the present situation 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, in 18 States.85 NONRESIDENT ALIEN DEPENDENTS The reopening of the question of discriminatory treatment of alien nonresident dependents came with the enactment of compensation laws. The rule had become almost universal under the liability system, that they should have the same status as residents or citizens 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 35 80Arizona, California (involving time loss or medical aid), Delaware, Maine, Maryland, Massachusetts, Michigan, Montana. Nevada, Now Jersey, New York, North Dakota, Ohio, Oklahoma, Oregon, Porto Uico, South Dakota, Tennessee (in coal mines in State fund), Utah, Washington, Wisconsin, and Wyoming. 81 Connecticut, Hawaii, Idaho, Minnesota, and Vermont (or requiring medical aid). ^Indiana, Iowa, Kentucky, and Texas. * Kansas, Nebraska, New Hampshire, and West Virginia. MAlaska, Arizona, Louisiana, and New Mexico. * Arizona, California, Colorado, Hawaii, Idaho, Indiana, Maryland, Montana, New Jersey. New York, North Dakota, Ohio, Oregon, Pennsylvania, Utah, Vermont, West Virginia, and Wisconsin. 72 w o r k m e n ' s COMPENSATION LAWS— UNITED STATES States nearly one-half (17) effected discriminations. At the pres ent time, of 46 States 27 have provisions more or less discriminatory, so that an increasing tendency in the direction of less favorable treatment is recognizable. This may be by way of exclusion (4 States80), reduced benefits (17 States87), permitting commutations to lump sums in reduced amounts (3 States88), restricting possible beneficiaries to persons of designated relationship, a provision that may exist alone or in connection with reduced benefits (10 States39), or the presumption of dependency may be destroyed (California). In 8 States,40 nonresident aliens are placed on the same footing as residents, while in 1041 they are not mentioned. In 4 of these latter (Indiana, Massachusetts, North Dakota, and Rhode Island) they have been included by administrative or court action, as is the oase with the Federal employees’ statute. A number of States except residents of Canada from their dis criminatory provisions, or declare such provisions subject to conflict ing terms of any treaty, or deny ail benefits to aliens whose national laws would exclude citizens of the United States in like circum stances. The Supreme Court of Kansas held a provision of the State law that limited benefits to $750 except to residents of Canada to be in conflict with the treaty with Italy, and also with the equal protection clause of the fourteenth amendment, so that it could not stand ( Vietti v . Fuel Co. (1921), 109 Kans. 179, 197 Pac. 881). An inferior court of Pennsylvania found the law of that State restricting benefits to two-thirds the normal award also in conflict with the treaty with Italy, and therefore ineffective. The Supreme Court of the State upheld the law, however (Liberato v. Royer (1924), 281 Pa. 227, 120 Atl. 257); and this decision was affirmed by the Supreme Court of the United States (Id. (1926), 46 Sup. Ct. 373), on the ground that the treaty dealt only with remedies for injuries and death due to the employer’s negligence, a factor not involved in compensation legislation; and as the act providing compensation is elective and the workman had accepted, there was no conflict with the treaty in question. A now abrogated provision of the law of New Jersey ex cluded nonresident aliens, and was so enforced (Gregutis v. Waclark Wire Works. 91 Atl. 98, 92 Atl. 354). A conspectus of the items discussed in the foregoing pages is given in the accompanying chart. Alabama. Hawaii. New Mexico, and South Dakota. 37 Alaska. Arizona. Colorado, Delaware, Georgia, Idaho, Iowa, Kansas, Kentucky, Maine, Montana, Neva<l-i, Pennsylvania, Utah, Virginia, Washington, and Wyoming. 88 Maryland, Nebraska, and N*?w York. 80 !>okivvaro, Kentucky, Maryland, Nebraska, New York, Oregon, Pennsylvania, Wash ington. Wuxt Virginia, and Wyoming. 40Connecticut, Illinois, Michigan, Minnesota, Ohio, Tennesson, Texas, and Wisconsin. 41 Indiana. Louisiana, Massachusetts, Missouri, New Hampshire, New Jersey, North Dakota, Porto Rico, Rhode Island, and Vermont. PRINCIPAL FEATURES OF LAWS OF THE UNITED STATES RELATIVE TO WORKMEN'S UOMWSN? ATj ON AND INSURANCE [Chart Recited July X, 1926] Compensation.beaef Suits for damages after election by both employer and employee _______ K a a o . A i Ag.23.191A. InefleCtJan. 1, Elective, as to an employments having No provision— -------- Not required--------Alaika. Ch.JJL A or more employees, except domestic 29, 1915. IncflcctJnly 2S, 1915. service, agriculture, dairying, and Amended, 1917. New act,-ch. ■common carrier TaUroads. 98,198. In effect Jtug. 2, 1923. Amended, 1925. must in CompuUory, as to all establishments ImduAed, except dec* Employers sure in State fund tire offldals and having 3 or more -workmen exocpt orprivatocompanie* those with over form labor not using machinery and or provide sdMn$2^00 salary. domestic servants. Voluntary, as to other employments. 1928. Employers mustinCompulsory, as to aU Compulsory, as to aU employments California. Ch. 399. Approved sure in the State •employees except except form labor, domestic service* Apr. 8,1911. In effect Sent 1, fund or privatecom deputy clerks, dep And casual employees not in usoal 1911. New- act, «h. 176, 1913. panies, or provide uty sheriffs, and course of employer's business. Jd Amended, 1915. Newaet,«h. selMnsunncc. •deputy constables «ntory, as to excepted employments. 588,1917. In-efloet Jan. 1,1918. serving without re* 1919,1923,1925. numeration. Apr. M, 1915. Incflect Aug.l, 1915. Amended, 1917, Jncw net, A . 210,1919. Amended, Connecticut. Q l 138. Approved May 29,1913. In-effect Jan. L 1914. Amended, 1915, 1917,319,1921,1925. TM wwi. Ch. 233. Ai Apt. 2, 1917. In effect 2sn.l, 3918. Amended, 191* 1121, TOW Aug.; 192L __ j __ ______ labor, domestic service, and casual empbmees not in usual course of employer’s tmrfness. Voluntary, as to excepted employ those'having TCguloriy less thus £ •emslmFoes, outworkers, and casual •emptowes, not for purpose em ployers trade or business. VWiuiiwjr, as to excepted employments. •charities. . ttUL R eflect ^nlyl. Amended, 1917,1923. formasto etheo. £fac&e, at to all employments exoep CanpvUerff as to cmthose having less than 5 employees, form labor, domestic sendee, out■workers, And casual employees not In usual course of employer's onsifor fixed teem. 187. Approved Ebt& ot,a to all employments having ectfisr.l,, W or mane emjfloyeM, except tlr-— — not in the usual business of the < plojer, t e n labor, domesticservice. Qmnxuapcu S S f f l corporaJZJZ tfam wiH jnflmcnl snbdM&msflfthe I nuhlUl Vctuatarjt** toexceptodl Conpvborf, as to all Industrial em ployments cairicd on far pin, ex cept casual employees, those not in usual course of employer's business, and those receiving more than $36 a week fromany one employer. risk, fellow Presumed in absence Presumed in absence Assumed service, and contrib of written notico of written notice utory neRligencc, served on employer filed with United unless willful or due ftnd filed with Statescommissioner. to intoxication. United States com missioner. Presumed In absence of written notico to employer, filedwith emission. in absence CompuUory, as to fill Electing employers Presumed in absence Presumed of written notice to of written notice to must insurclnState employees except employer and to commission; notion fund or private elective officials and commission. of rejection to be companies, or pro xnembetsafNatJooal P«ted. vide self-insurance. Guard. £bfSfee,asto£be State and aU public oarparBUaus h av in g regularly 5 or more employees. IVUuh CompttZMrf, as to an employee except elective oflWals or employees receiving more than $1£00 a Waiting time Per cent ofwages weekly compensation payments Maximum period Death (а) Dependents (б) No dependents Permanent total disa- I (a) Expenses -til Oast si^noM tm! 20 to 60 per Maximum, $15. Mini bility,55frweeks. Other burial,jnuimum, $1J0;20to* Approved s u b s t i t u t e Personal injuries by accident aris 2 weeks. None if dis Death, mum, $3, or actual cent! Disability,50 ability continues ing out cm ind in oourso of em 300weeks. I per cent of wages for not <we. schemes p e r m it t e d . wages. to 00per-cent. for4wetfks«rmore. • 300weeks; maximum, $12 to Uf ployment unless due to intoxi Agreements for induction minimum, 85, iff«tual wag? cation, willful misconduct. In of compensation benefits tention to injure 6df or another, total not over -$5,000. (ft) Fx permitted if approved by inflicted by third parly for per pcDSQS of last sickness and bnri court. sonal reasons, or wSUtu failure al, maximum, $100. to use safety appliances, or obey safety laws or rules. Personal injuries by accident aris 1 week. None if dis 50 percent for temiK NoprorfcianNot permitted______ Walxws forbidden rorytotal dlSHbffitj ability eonlinucs for r 16 and to dependent ^parent ing out of or in the course of fixed lump sums; $ weeks or more. employment unless dJij^ly due n»umuui, maximum,. S ijm . _ If. dngt other cases. $LS00toeadidepciidflat<partEt. to intoxication or wnifiil int (t) VBI $195 f l W maximum IIU M U U U IH lor burial <xtion to Injure self or another. iwoses; peases; $195 for other m expense: am I between accident «nd death. Burial expesLses, ndl over $120 Not fixed. per Nopreridon^ Personal injuries fay ncddent aris 1 week. None if dis 1 15 to OH percent of Permitted if employer Walras forbidden. ability oontimses 2 deaxhorremarriaise. (b) Buna, ing out of or in the course of foils to insure. percent. weeks. expenses. $1S0 and $630 to a t* employment, not purposely selfI habUitatiou fund. ___ inweted. (d) expenses, not o r e r f ® Maximum, 92ILB3. Mini Permanent total disabfll- 1 85Burial 85 per cent----per cent of wages to equd 3 Bfe. Tempore— Permitted if-employer Waivers forbidden.--------- Personal injuries arising out of 1 week_____ mum, $1.17. years' annual earnings; msxH and in thecourseof employment “ ty, 210 weeks. foils to insure risk. mum, $5,000; minimuut, $1,800. unless due to intoxication or in db) Reasonable burial expenses; tentionally self-inflicted; in maximum, 8190. cludes injuries toartlfidal limbs. Occupational diseases Included. risk, fellow Not permitted.----Prcsumed In absence Presumed in absence Assumed service, and contrib of written notice to of written notice utory negligence, employer and filed fllcd with court and unless employee is with court. posted In establish guilty of willful mis ment. conduct as defined. EUdlte,tiS to emi . Electhre, as to all emi—rf-----ecsof State, volun those having less than 16 cm. tary, as to employ farm labor, domcstio service, ees of county, dty, casual employments not In usual town, village, or course of employer's business. VWschool district. vntary, as to employments having less than 10 employees. Arisaoa. Ch. 14 (extra session). Injuries covered Injuries aeddmtally sus 10 days___ — ______ risk, feUow Not permitted--------- Waivers forbidden, but ap Personal tained arising out of and in the proved hospital fund may service, and contrib courseofemployment not Inten be maintained. utory negligencenntionally self-inflicted. x-a-d-------- -IwjwyjStSt'SaJsSS 80 per cent----- Injuries arisingout ofand 1 week. None if dis 80 per cent. ifemployer Approved scheme* may be Personal ability continues in course of employment unless Ffcsumed in abscnce Presumed in absence Assumed risk, follow Permitted substituted if benefits fans to insure risk. longer than 4 weeks. service, and con* of written notice. of written notice. due to wUlful and serious mis equal thoseofact. Physitributarynegligence. conduct or intoxication. Occu vale companies, or caUy defective employees pational diseases included. provide self-hourmay waive right to com pensation. injuries by accident arte 2 weeks. None if dis Death, 16 to 60 per Approved s u b * * * * ® * 6 Personal Ifemployer cent. Disability, 50 ability continues for tag out of and-in course of em^ employers Presumed in abscnce Presumed in absence Assumed risk, fellow Permitted schemes permitted if bene foils to insure risk. percent. service, and con 4 weeks or mote. of written notice to ployment unless due to wiUful of printed notice to most insure in prifits equal thoso of act. tributory negligence. employer and filed intention to injure self or an employees posted Waivers forbidden. with board. other, intoxication, failure to in plant, and filed prorlde aclf-insurnse safeguards, violation of law, witnboard. recklessness, or caused by third party for 7 days_____ Waivers forbiddeq. * of and in the course of employ Presumed in abscnce Presumed in absence Assumed risk, fellow Not permitted____ service, and contrib of written notice to of written notico ment, not including diseases e* ______ ______ j or pro utory negUgenco. employer, with copy cept those restating from tbe filed with the com vide sdMnsnranee; to commission. mission and posted accident nor injuries by third the Jonns of poetics In the are subject to ap proval by the comto injure self <» another, intoxi cation, or willful failure to use a safety appliance or observo law P e <^ S ^ & e s by accident lweek. None in case Death, | _ t o 80 Not permitted_____ Waivers forbiddenof partial disability. arising out of and in course of employment unless due to wiU Partial disability, or ful intention to injure self or 50 per cent. another, or to intoxication. alf-insunuwe. Occupational diseases included. Maximum, i$10. MW- Death, 312 weefe Per manent total dlsabOity, mum: Eteath, $5; disabil life. ity, $5, or actual wages. Maximum, death, $l disability, $21. Mir mum, $5. Death, 312 weeks. Disa bility, 620 weeks. Death: Weekly basic wage, Permanent total disabili ty, c rs weeks. Others, maximum, $30; mini mum, $10. Disability: Maximum, $15; mini mum, $5, or actual wages. Total disability: Maxi Total d isability, 350 weeks; partial disabUity, mum, $15; minimum, or death, 3(K>weeks. $4, or ftdl wagesif has than $1. Partial daubQity, maximum, $12 weekly; for specified in juries, same as for total disability. Death, maxi mum, $12.75. Medical and surgical aid Partial disabUity Time for nollceanddalm (e) By whom administered (b) llow claims aro settled Accident reports required Acddcnt-prevention work by—(a) Compensation commission. (6) Other agencies Stato (5) (s) 50 to 60 per cent of wages for 50 to 80 per cent of wage loss during Reasonable mcdical, surgical, and Excluded__________ Notice to employer within [a) Courts; limited supervision by All electing employers must re (a) lo provision. Chief mine Inspector.* 5 days; no compensation port all accidents ofover 2 weeks' compensation commissioner. (6) hospital scrvice /or 60 daw 400 weeks; maximum, $12 to $15; disability for not over 300 week: if after 90 days. Claim in disabUity to compensation com minimum, $5, or actual wages; Direct settlements between parties maximum, $100; charges limited maximum, $12 to $15. Spedfieu missioner within 15 days; sup lycar. not over $5 thereafter for 150 to prevailing rates. if in *'substantial" conformity with injuries, 50 to GOper cent of wages plementary report after 60 days weeks in certain cases; total not for fixed periods; maximum, $1!! law; court may approve a less or upon termination of disabUity. over $5,000. <b) 50 to 60 per to $15; minimum, $5, or actual amount if in interest of employee. cent of wages during disability; Disputed cases settled by courts. wages. not over 300 weeks; maximum. $12 to$15; minimum, $5, oractua wages. (a) $i,6S0, $1,560 additional if Lump sums based upon schedule Reasonably necessary medical, Three-fourths benefits. Notico in 120 days; claim In (a) Courts. (6) Voluntary agreement; No provision----------------- ------- (a) No commission. Cb] Alaska. Mino Inspector (who is 2 years. for permanent total disabUity pro surgical, and hospital treatment disputed cases settled by courts. wife and $780 for each child un also ex olfido labor com for not over l year. portioned to loss of earning cainouu derjv. 16: uifi singlo, $780 for each missioner).1 dependent parent; maximum, fty^^maximum^$6,240. Spccfllnd ^7y800. Q) 50 per cent of wages number of dependents; lumi during disalability ’sums for certain disfigurements. (a) 65 per cent of wages for lire. 65 per cent of wage loss during dis Medical, surgical, and hospital 60 per cent of normal i Injury to boreportedat once; (a) Industrial commission. 9) By Employers under tho act and at (a) Industrial commission. Arizona. (t») Mine inspector.! tending physldans must report aid for 90 days; 1 year if commis Q>) Bamefornot over 100 months; benefits. I claim in 1 year. ability, for not over 60 months. commission on application. Ap sion directs. SlOmonthlyadded if dependents all injuries to workmen. Schedule for specific injuries in peal to supremo court. addition to other payments. in United States. Notice in 30 days; claim In 6 (a) Industrial accident commission. AU employers, attending physi- (a) Industrial accident California. Cs) 85 per cent of wagos for 240 If permanent, 65 per cent of wages Reasonable medical, surgical, and No presumption commission, (b) Bu months for disabUity, 1 hospital treatment. dans, and insurers must report for* periods proportionate to disa weeks, then 40 per cent for life. dependency. (6) Voluntary agreement approved reau of labor statistics.* year for death, 2 years if all injuries Involving time loss or bUity, then reduced rotes for life <b) «s tier cent of wages during by commission; disputed eases re any settlement for less diaabUity; not over 210 weeks, • if 70 per cent or more disabled; medical aid to industrial acd ferred toone or more referees; review if temporary, 63 per cent of wj ~ dcnt commission. Fatal Injuries than a statutory award norg years* earning^ nor $5,000. by commission; rehearing In certain loss during disability; not over: _ has not been approved by must be reported immediately. cases; appeal to courts upon ques the commission. weeks nor 3 years’ earnings nor tions of law. $5,000. Disfigurement compen (a) Burial expenses not over $135; sable. 50 per cent of wages for $ years (s) (ft) SOpercmtof wages during If permamcnt. a sum proportionate Reasonable medical, surgical, and One-fourth benefits__ Notice in 2 days; daim in (a) Industrial commission. Ob) Ad All employers must report aU (a) Industrial commission, Colorado (ft) Department oflabor hospital treatment /or 90 day*; 6 months; l year in case compensable acddcnts within to a total disabUity benefit, not maximum, $12; m inimum^ disabUity; maxlinnm, $12; mini mitted UabUity with statement of and factory Inspection; of death. maximum, $200; no time limit 10 days to industrial commis total not over $3,750. (6) Rea mum, $% or actual wages. amount may bo submitted to com inspectors of coal mines; sion. in case of hernia; additional al sonabls burial expenses; maxi mission; no settlement final untU bureau of mines.1 lowance for dental service, maxi mum, $125. approved; disputes heard by com* mum, $100. minimum, $5, or actual wages; all mission, commissioner, or a referee: in addition to temporary total. review and court appeal provided If temporary, 50 per cent of wage for. loss during disabUity: maximum, $12; not over $K560 in alt. Dis(a) Burial expenses, $100; 50 pp 50 iier ocnt of wage loss during disa Suoh medical, surgical, or hospital Included.. Notico at once; daim in 1 (a) Board or 5 compensation commis Assenting employers must report (a) No provision, (ft) Do- Connecticut. 1 cent of wages for. 312 weele jmrtment oMabor and maximum, $18; minimum, $! ^disability, not over S o wseetaR year; 2 years for duo causo all injuries of 1 day's disability bility, not over 520 weeks; treatment as deemed reasonable sioners Inchargeof separatedistricts, weekly to compensation com by attending physician; charges shown. weekly maximum, $21. Specified maximum, $21; minimum, $5. (5) Burial expenses, $100. (d) Voluntary agreement approved limited to prevailing rates. Injuries, 50 per cent of wages for missioner. by commissioner; disputed cases Special provision for seamen on fixed periods; weekly maximum, settled by commissioner; appeals to United States vessels. $21; minimum, $5; in addition to courts. temporary total. (a) Expenses of last sickness an burial, maximum, $100; 15 to t (a) (M 50 per cent of wages during Reasonable mcdical, surgical, and One-half benefits; to Notice In 14 days; if in 30 (a) Industrial acddcnt board. Q>) AU assenting employers must re (a) Industrial accident Delaware. board. (6) No provi per cent of wages for 285 week disabnity, not over 475 weeks; hospital treatment for SO days: port all accidents to industrial days, not barred except as _ J weeks; maximum, $15. Speci widows and children Voluntary agreement approved by sion. basic wage, maximum, $3 maximum, $15; minimum, $5, acddent board within 10 days; fied injuries, 50 per cent of wages maximum, $100. Board may in to extent employer was only. board; disputed cases settled by minimum, $10. (6) Expensesor actual wages; total not over supplementary report upon ter for fixed periods; maximum, $15; prejudiced; bar absolulo crease timo and amount. board after hearing; appeal to court. last sickness and burial, mai after 90 days. Claim in 1 mination of disability. minimum, $5, or actual wages. $4,000. year. mum, $100. benefit for 300 weeks; week maximum, $12.75; total not ov $5,000. (6) Expenses of Is sickness and burial, not to c ceed$l00. S12weeto____________ -I <“> BnrW e^n se^ lIIW lB to Death: Basic wage, maxi- *** l ppr cent of wages for 312 weel mum* $36; minimum,. basic wage, maximum, $ $5. Total disabnity:1 minimum. $5: total not oi Maximum, $20; mini $5,000, Bnria) gxpens mum, $5, oractual wages $100, Maximum, $12. Total disability (a) Permanent (ft) Temporary (e) (5) 50per cent ofweekly wages 5Qper cent of wage loss, not over $12 Necessary medical attention, not One-half benefits, not for not over 350 weeks; $15 maxi per week, not more than300weeks, more man $0 days; maximum, over $1,000, except including any period of total disa mum, $1 minimum, or fun $10% charges limited to thoso to residents of Can bUity. Specified injuries, 50 per wages if less than $4; not more for other persons of like stand ada. than $5,000 in all. cent of wages for fixed periods, ing. Continued treatment may after not more than 10 weeks’ al be offered and must be accepted lowance for total disabUity, if any; unless tho commission orders maximum, $15; minimum, $1, or otherwise. Special provision for actual wagos if less. surgical operations for hernia. p per cent of wages during 50 per cent of wage loss during disa Medical, surgical, and hospital Excluded. Ity, not over 312 weeks; bUity, not over 312 weeks; maxi service, such as the nature of the am, $20; minimum, $5, mum. $12; total not over $5,000. Injury requires; charges limited Swages if disabUity is to prevailing rates. Specified injuries, 50 per cent of fary; total not over $5,000. wages for fixed periods, in addition *o temporary total. Disfigurelent, maximum, $5,000. t Not provided for in compensation law. Notice immediately; barred (a) Industrial commission. 0) Agree Assenting employers must report (a) No provision. 9) Georgia. Commissioner of com within 10 days all acddents after 80days unless reason ment after 14 days, approved by merce and labor.* causing disability for 7 days, or able excuse and employer commission; disputes or disagree requiring medical and surgical shown not to be preju ments settled by commission after aid; supplemental report diced by delay; chum In hearing, subject to review or limited termination of disability. 1 year. appeal to courts. Notice as soonas practicable; (a) Industrial acddcnt board for each All employers must report aD In (a) No provision, (ft) No Hawaii. provision. juries of 1 day's disability or claim in 3 months; not re county, (ft) Voluntary agreement more as soon as practicable to quired ir aid or compen approved by board; disputed cases industrial acddent board; sup sation has been voluntari settled by board or by arbitration plementary report at termina ly given. committee; review by fuU board; tion of disability or after 60days. appeal to courts. 19G5*—20*. (Face p. 72.) No. 1 PRINCIPAL FEATURES OF LAWS OF THE UNITED STATES RELATIVE TO WORKMEN’S COMPENSATION A Compensation taefii IIow election is made By employer By employee Defenses abrogated if employer does not elect for damages after election by both employer ana employee Special contracts Injuries covered Waiting time Per cent of wages Compulsory, as to all employments conducted for sain except form and domestio service, outworkers, casual employment and charitable institu tions. Voluntary* as toexceptedem ployments. Compulsory, as to all Employers must in sure in State fond employees except or private com elective officials, and thosereceivinga sal panies, or provide self-insurance. ary over 12,400. Not permitted.. A pp roved su b stitu te schemespermittedif bene fits equal those of act; waivers forbidden. TO!nots. P. 314. Approved June 10,1911. In effect May 1,1912. Compulsory, as to "extrahasardous” employments enumerated; farm labor, and persons not in usual couiso of employer's business ex cepted. Voluntary, as to excepted employments. Compulsory, as to all Employers must in sure m private com employees except panies, or provido officials and mem self-insuranco. bers of Are depart ments in cities of 200,000 or more in- Not permitted.. Approved schemes per mitted if benefits equal those of act. No waiver of provisions of act os to amount of compensation without approval of board. Indiana. Ch. 106. Approved Mar. 8,1915. In effect Sept. 1, 1915. Amended, 1917, 1919, 1923. Compulsory, as to mining. Eledne, os to all other employments except form labor, domestic service, casual employees not in usual course of employer’s business, and railroad employees engaged in train service. Voluntary, as to excepted employ* Iowa. Ch. 147. Approved Apr. IS, 1913. In effect July 1,1914. Amended, 1917,1919,1923,1924, 1925. Eledvse. as to all employments except farm labor, domestio service, casual employees, these not in course of employer’s business, and clerks not subject to hazard of the industry. Compulsory, as to all Electing employers Presumed in absence Presumed in absence Assumed risk, follow Permitted ifemployer Approved schemes per i Personal injuries by acddcnt aris l week...................... Death, total disabil ity, and specified ing out oi and iu course of em of written notice* service, and con foils to insarorisk. of written notice, employees. must insure in pri mitted if benefits equal injuries, 55 per cent. ployment unless due to willful posted or served, served on employer vate companies, or tributorynegligence. those of act. All other misconduct, intentional selfand filed with in and filed with in provide self-insurwaivers forbidden. inflicted injury, intoxication, dustrial board. dustrial board. and willftil failure to uso safety appliances or to obey safety laws, or commission of a crime. Compulsory, as to all Elccting employers Presumed in absence Presumed in absenco Assumed risk, fellow Permitted ifemployer Approved schemes per Personal injuries arising out of 2 weeks; compensated GOper cent.............. during fifth to and In courso of employment, of notice posted in of written notice to must insure in pri foils to insure risk. employees except mitted, but no reduction service, and con seventh weeks if unless due to willful intention vate companies, or employer and in establishment and firemen and policeof liability allowed. All tributory negligence to injure self or another, intoxi disability continues. filed with industrial provide self-insurdustrial commis in pension unless willful and other waivers forbidden. cation, or willful act of a third commissioner. sioner. with intent to cause party. injury. Disability, GOporcont. Personal injuries by accident aris Not permitted.. Assumed risk, fellow Approved sehomes per as to work- Not requited.. Presumed in absenco Presumed in absence Specified injuries, 50 ing out of and in course of em mitted if benefits equal of written notice service, and con of notice posted in n on county and per cent. ployment except when going to thoiso of act. Blind em tributory negligence. filed with employer inidpal work. establishment and and from work, unless duo to in ployees may waive right to and secretary of iiled with secretary toxication, deliberate intention compensation or damages. state. of state. to cause injury, or willful failure to use safeguards required by law or furnished by employer. Elective, as to all mu Electing employers By writing filed with By signed notice filed Assumed risk, follow Permitted if injury Is Approved schemes per Personal injuries by accident aris l week------------------ 65 per cent................. ing out of and in course of em service, and con mitted if benefit* equal due to deliberate in must insure in Ken with employer. nicipal corporations the commission and ployment, unless self-inflicted, those of act. tributory negligence. tention of employer tucky Employees* having 3 or more “ in the estabdue to willful misconduct or in or failure to me eviInsurance Associa employees. Volun toxication. Includes injuries due denceastoinsuranoe. tionor otherprivate tary, as to others. to inhaling gas or smoke in companies, or pro mines, or any kind of gas. vide self-insurance. Kansas. Ch. 218. Approved Mar. 14,1911. In effect Jan. 1, 1912. Amended, 191% 1917, 19191 Elective, as to “ especially dangerous*' employmentsenumerated conducted for gain except those having kss than 5 employees, form labor, and those not in usual course of emiloyer’s business; all mines covered. lory, as to excepted employ- Kentucky. Approved Mar. 23, 1916. In effect Aug. i, 1916. Amended each session. Elective, as to all employments except those having less than 3 employees, form labor, and domestic service. Threshing and hulling grains and seeds ore within the act. Voluntary, as to excepted employments. Louisiana. No. 20. Approved June 18.1914. In effect Jan. 1, 1915. Amended cadi session. Elective, as to “ hazardous” employ ments enumerated, or as agreed upon or determined by coart, except employments not conducted for;— pose of employer's business. Vo tary, as to other employments. Compulsory, as to all Employers under act Presumed in absence Presumed in absenco Assumed risk, fellow Not permitted... — ------- except service, and con of written notice to of written notice to must insure or give employer. tributory negligence. bond. employee. No contract may relie relievo Personal injuries by accident aris ing out of and in couiso of em employer from liability, ployment, unless due to willful intention to injure self or an other, intoxication, deliberate failure to use safeguards, or breach of safely laws. Maine. Ch. 295. Approved Apr. 1,1915. In eflcct Jan. l, 1916. Reenacted, 1919; amended, 1921,1925. Elective, as to all employments, except those having regularly loss than 6 employees, form labor, domestic service, logging operations, casual employees, and those not in usual course of employer’s business. W untorjr, as to exempted employees. Compulsory, as to all Electing employers Writing filed with Presumed, if employer Assumed risk, fellow Not permitted.. service, and con clects, in absence of must insure in pri commission and employees of State, tributory negligence; written notice to vate companies or counties, and cities, posted in establish employer filed with provide self-insurexcept officials. VaL ment. untary, as to towns. E x is tin g ap p ro ved schemes may bo con tinued; waivers forbidden. Maximum ord minimum weekly cnnpcnsatlon payments Maximum period Death (а) Dependents (б) No dependents Personal injuries by accident aris 1 week; compensated Death, 20 to 55 per Death: Masmum, $12: Death, 400 weeks. Per (a) Burial expenses, maxima, $200; 45 per cent of wan to ing out of and iu courso of em manent total disability, minimum, $6, or actual fifth to seven th cent! Disability, 55 widow or dependent widower ployment, unless due to willful life. Temporary total wages: Others, maxi weeks if disability percent. for 400 weeks. 55 per cent ifcbild intention to injure self or an continues. mum $16, ninlmum, $0. disability, 400 weeks. orchildren, maximum, $12; adoother, or intoxication. Partial disability, 150 Imum. $6, or actual wages. (6). Burial expenses, xuaximuixtfaoo; also $1,000 to administration! fund. Accidental injuries arising out of 1 week. None if disa Disability, 50 to 65 Maximum, 114 to $19. Permanent total disabil (a) 50 to 65 per cent of wins Minimum, $7.50 to until 4 years1 earnings are paid; ity, life. Permanent ami in course of employment. per cent. bility continues for partial d lsa b ility .8 Occupational diseases in certain 4 weeks or more. $1 1 . years. Temporary dis occupations iududed by sepa ability, during its con rate act. second injury fund tinuance. Idaho. Ch. 81 Approved Mar. 16,1917. In effect Jan. 1,1018. Amended, 1921* 1925. i Not providedforincompensationlaw. TO INSURANCE—Continued 1 week. None if disa bility continues for C«ccks or more. Persona] injuries by accident aris 7 days... ing out of and in course of em ployment unless due to willful intention to injure self or an other, or Intoxication without employer's knowledge. Basie wage, maximum, Death and partial disabil $24; minunim, $10. ity, 300 weeks. Total disability, 500 weeks. Death: Morfmum, $15; Death and temporary total disability, 300 minimum,53. Disabil weeks. Permanent total ity: Maxinum, $15: disability, 400 weeks. minimum,56, or actual wages. Disability: Miximum,$l5; Disability, 8 years . minimum,*!. Burial expenses, maximum, 00 per cent of wages for 300 weeks; weekly maximum, $15; minimum $ti,or full wages. (6) Last sickness and burial ex penses, maximum, $250. %J150; (e) 3 years* earnings; maximum, $3,800; minimum, $1,400. (A) Burial expenses, maximnm, $150. Maximum, $15. Mini Death, 335 weeks. Total (a) Burial expenses, maximnm $75; 65 per cent of wages for 339 disability. 8 years. Par mum, ffi. weeks; maximum$12; minimum tial disability, 335 weeks, $5; total not over $4,000. (ty Burial expenses, maximum $% and $100 to representative oi _ ________ J, maximmr $100 and $50 contingent ex penses; 32!$ to 65 per cent o wages for 300 weeks; maximum $20;minimum$3, oractual wages (6) Expenses of burial, mail mum, $100, and $50 contingen expenses. Mini Death, 300 weeks. Total (a) MK per rent of wages for 3ft weeks, total not over $ 1,000 disability, 500 weeks. maximum, $18; minimum, $0 Partial disability, 300 (5) Expenses of last sickness am weeks. burial, maximum, $200. Death, 32M to 65 per Maximum, $20. Min Death, 300 weeks. Per cent. Disability, AA manent total disability, imum, $3 or actual per cent. 400 weeks. Temporary wages. total and partial disa bility, 300 weeks. GCHpercent. $24; minimum, $10: total not to cxoccd $5,000. (6) Burial ex penses, maximum, $100. Maximum, 118. mum, $6. Total disability (a) Permanent (b) Temporary (s) (b) 55 per cent of wages for 400 weeks; 60 per cent if married, and 5 per cent for each child; maximum, $10; minimum, $6; thereafter $6 a week during disability. Medical and surgical aid Nonresident alien beneficiaries Tiiuo for notice and claim (а) By whom administered (б) How claims are settled Acddent reports required Acddcnt-proveclionwork by—(a) Compensation commission, (b) Other State Partial disability ___ j of wage loss for not over Reasonable medical, surgical, and hospital service; hospital bene 150 weeks; maximum, $10. Speci fit funds permitted in lieu of fied injuries, 55 per cent of wages above. Charges limited to pre for fixed periods in addition to vailing rates. other benefits; weekly maximum, $ 16. Disfigurement bio. Industrial accident Idaho. One-halfbenefits, sub Notice as soon as practica (a) Industrial acddent board. (5) All employers must report all ac (a)board, (b) Inspector of cidents of 1 days' disability to voluntary agreement approved by ble; claim in 1 year. ject to treaty pro mines.1 industrial acddcnt board with board; disputed cases may be sub visions; nothing if in 48 hours; supplementary mitted to arbitration committee; law of nation ex report after 60 days or upon review by full board; appeal tocourt dudes citizens of termination of disability. upon questions of law. United States. (a) 50 to 65 per cent of earnings for 50 to 65 per cent of wage loss during Medical, surgical, and hospital Included.. service as reasonably required to disability, not over b years; maxi 8 years; maximum, $14 to $10; effect a cure. mum, $14 to $19. Specified In* minimum, $7.50 to $14: there after 8 per cent of death benefits juries. 50 to 65 per cent of wages for fixed periods; maximum, for life, minimum, $10 a month. $14 to $19, minimum, $7.50 (6) 50 to 05 per cent of earnings to $14, in addition to temporary during disability; maximum, $14 total. Disfigurement, maximum, to $19; minimum, $7.50 to one-fourth death benefits. $14; total not over $3,750.. ___ , and No provision1___ ___ (a) (5) 55 per cent of wages during .TOper cent of wage loss for not over pital service /or 90 days; 30 300 weeks; basic wage, maximum, disability, not over 500 weeks; days' additional treatment ft basic wage, maximum, $24; min $24: minimi*™, $10. Specified in necessary in opinion of board; juries. 55 per cent wages for fixed imum, $10; total not over $5,000. charges limited to prevailing periods; basic wage, maximum, rates. $24; minimum, $10; disfigurement, not over 200 weeks benefits; (a) CO per cent of wages for 400 Specified injuries, 60 per cent of Reasonable medical, surgical, and One-half nothing if law of hospital service /or 4 weeks, if wages for fixed periods; pro weeks; weekly maximum, $15; nation excludes requested by employee, court, portionate for others; maximum, minimum, $6, or actual wages. or commissioner; maximum$100; citixens of United $15; minimum. $0, or actual wages. >) Same for not over 300 weeks, States. $100 additional in exceptional ompensation increased by twothirds for fifth, sixth, and sev enth weeks of disability. (a) (b) 00 per cent of earnings dur* 00 per cent of wage loss during Reasonable mcdical. surgical, and $750 maximum except to residents of Can hospital service for BO days, if disability, not over 8 years: speci ing disability, not over 8 years; ada.’ demanded by employee; maxi fied Injuries, 50 per cent of wages weekly maximum, $15; mini mum, $150. for fixed periods; maximum, $12; mum, $6. minimum, $6. 8 Notice as soon as practi (a) Industrial commission. (6) Volun All employers within provisions (a) No provision. (b)Dc- Illinois, pertment of labor; > : of act must report all injuries tary agreement, not before 7 days cable, not later than 30 mine inspector.1 of more than 1 week's disability after injury; disputed cases settled days; claim in 0 montlis. to industrial commission; fatal by arbitrator or arbitration com acddcnts at once; others once a mittee; review by full commission; month; supplementary report appeal to courts upon questions of of permanent disability cases. law. Notice in 30 days or benefits (a) Industrial board. (5) Voluntary All employers must report all in (a) Industrial board, (b) No provision. juries of more than 1 days' dis agreement, not before 7 days after will begin from date of ability within 1 week to indus injury, approved by board; dis notice; claim iu 2 years. trial board; supplementary re puted cases settled by board or port after 00 days or upon member thereof; review by full termination of disability. board; appeal to courts upon ques tions of law. Notice in 15 days; if in 30 (a) Industrial commissioner. (5) Vol All employers must report all ao- (a) No provision, (b) Bu- Iowa, reau of labor statistics;1 ddents of more than l day's untary agreement, not before12 days days, not barred except os mine inspectors.1 disability within 48 hours to after Injury, approved by commis to extent employer was industrial commissioner; sup sioner; disputed cases settled by prejudiced; bar absolute plementary report after 60 arbitration committee; review by after 90 days; claim in 2 days or upon termination of commissioner; appeal tocourts. years. disability. No commission, (b) Notice in 10 days; daim in (a) Courts. (5) Voluntary agreement; All employers affected by act .Department of lafenr must report annually to factory disputed cases settled by local arbi in 6 months. and industry.1 inspector “ such reasonable par tration committee or by an arbi ticulars as to accidents as State trator; review by court. factory inspector may require.' •4 (a) No provision, (b) Mine Kentucky. compensation board. (a) (b) 65 per cent of wages during ir permanent, percentage of a total Reasonable medical, surgical, and Ono-hulf benefits; Notice as soon as practica (a)(6)Workmen's inspectors; > Kentucky Voluntary agreement approved ble; claim in 1 year. to widows and chil hospital servico/or90days, maxi disability; if temporary, 65 per disability, not over 8 years; Employees' Insurance by board; disputed cases settled by dren only. mum $100, unless board fixes cent of wage loss; not over 835 weekly maximum $15, mini Association. board, a member of same, or referee; other period, when maximum is weeks; maximum, $15, total not mum $5; total not over $6,000. weeL review by foil board; appeal to $200; same for hernia operation; over $4,000. Specified injuries, 65 after 60 days or courts. charges limited to prevailing l>cr cent of wages for fixed periods; tion of disability, rates. maximum, $12; minimum, $5. Compensation for disfigurement. No provision............................. (a) No commission, (b) Notice in 6 months: firo- (a) Courts, (b) Voluntary agreement (a) 65 per cent of wages for 400 65 per cent of wage loss for not over Reasonable medical, surgical, and No provision.., New Orleans factory in approved by court; disputed eases ceedings must bo begun hospital service; maximum, 300 weeks: maximum, $20. Speci weeks; maximum, $20; mini spector.1 settled by court. within 1 year. $290; charges governed by work fied Injuries, 05 per cent of wages mum, $3, or actual wages, <b) man's station. for fixed periods; maximum, $20; Same for not over 300 weeks. minimum, $3, or actual wages. Disfigurement, not over 100 weeks. assenting employers must re (a) No provision, (b) De Maine. 66ft per cent of wase loss, maximum, Reasonable medical and hospital Ono-half benefits Notice in 30 days; daim in (a) Industrial acddent commission, Allport («) (6) __ partment of labor and all acddents promptly to (b) Voluntary agreement approved 1 year. except toresidentsof service for 90 days, maximum, $18 for not over 300 weeks. Speci ing disability, not over 500 industry.1 Industrial acddent commission; by commission; disputed cases Canada. $100; additional service in dis fied injuries, 66# per cent of weeks; maximum, $18; mini Insurers must Airnish informa settled by commissioner; appeal to cretion of commission. wages for fixed periods; thereafter mum, $6; total not over $0^)00. tion requested by commission court upon questions of law. a total or partial disability benefit, or insurance commissioner. not over 300 weeks in all. i But includedby constructionof law. i Provision hdd by court to be in conflict with treaty and with fourteenth amendment. 1005*—20f. (Face p. 72.) No. 2 PINCIPAL FEATURES OF LAWS OF THE UNITED STATES RELATIVE TO WORKMEN’S COMPENSATION A 8tate 1930, 1922,1924. Compulsory, as to “ cxtrahazardous'' Compulsory, as to all Employers must in sure in State fund or workmen employed -employments for gain (list); act does private companies, for wages and en not apply to casual employees, farm or provide self-in* gaged In extrahazlabor, domestic service, country ardous employ blacksmiths, wheelwrights, or sim ments, and State ilar rural employments. Koitinmilitia. Voluntary, fary, as to works not cxtrahazardous. as to other employ- Massachusetts. Ch. 752. Ap Elective, as to all employments, except farm labor, domestic service, and proved July 28,1011. In effect persons not In usual course of cmJuly 1,1012. Amended, each piojrar*s business. Voluntary, as to year. excepted employments. Michigan. No. 10. Approved Elective, as to all employees n o t___ Mar. 20,1012. In effect Sept. employer's business. 1 .1 0 1 2 / Amended, lor K 1017,1019, 1021. , except course of Suits for damages after election by both employer and employee Special confcts Injuries covered Waiting timo Per cent of wages Permitted if employer Waivers forbiddcx. failed to Insuro risk, or accident caused by his deliberate in tention. Waivers forbtddet.. Accidental personal injuries aris 3 days... ing out or and in course of em ployment, unless duo to willful intention to Injure self or an other, willful misconduct, or in toxication as the sole causo. Personal injuries arising out of and 7 days. None if disa 66% per cent. bility co n tin ues In course of employment, unless more than 4 weeks. duo to serious and willful mis conduct. (Occupational diseases included by decision of court.) Electing employers Presumed in absence Presumed in absence Assumed risk, follow Not permitted.— service, and contrib of written notice to of written notice mustinsure in pri utory neRlige: posted in establish employer and filed vate companies or with commissioner ment and filed with less willful. provide self-insurcommissioner of la of labor. bor. Contractsmust state rejection in writing. Employer may nlntatn Personal Injuries by accident aris 1 week. None If disa bility continues 4 ing out of and in course of em approved aches, but weeks. ployment, unless intentionally may not reducdability self-inflicted, duo to intoxica fixed by law. tion, or caused by fellow em ployee for personal reason. Des ignated occupational diseases in cluded. Compulsory, as to dl Electing employers employees, includ must insurein State fond or private ing those of publle companies, or pro contractors. vide self-insurance; nonhazardous emin State 66% per cent. Maximum period Death [«) Dependents Lb) No dependents (•) 66% per cent of wages for life; maximum, $18; minimum, $8, or actual wages; total not over $5*000. (b) 66% per cent of wages for not over 6 years; maximum. $18, minimum. $8, or actual wages, total not over $3,750. Death and specified in Death and total disabil (a) 66% per cent of wages for £0C ity, 500 weeks; partial juries: Maximum, $16; weeks; maximum, $16; mini disability, no limit. minimum, $4. Otaers: mum. $4; total not over $4,000. (6) Expenses of burial, maxi Maximum, $16; nlnimum, $7. mum, $150; and $100 to second Injury fond. (a) (b) 66% per cent of wages for not over 500 weeks; weekly maxImum, $16; minimum, $7; total not over $4,000. Mini- Death, 300 weeks. Dis (a) Expenses of last sickncss and ability, 500 weeks. burial, maximum, $200; 60 pei cent of wages for 300 weeks; maximum, $14; minimum, $7. (b) Expenses of last sickness and burial, maximum, $200. (a) (b) 60 per cent of wages during disability, for not over 500weeks; weekly maximum, $14; mini* mum, $7; total not over $7,000. Maximum, $20. Mini mum$8, oractual wiges. during depend ency. Permanent total disability, life. Tempo rary total and partial disability, 300 weeks. ^Burial $150; 30 to 66% per c maximum, $20; minimum, $8, oi actual wages; total not ovci $7,500. (b) Expenses of burial maximum, $150: and $200 to sec ond injury fund. Personal injuries by accident aris 8 days. None If disa 66% percent. b i l i t y continues ing out of and in course of eranont, not intentionallysclfmore than 4 weeks. Maximum, 120. mini Temporary total disabil ity, 400 w o t o p ^ mum, $5, or atual nent, during 11 wages in case of tonporary disability. CompuUory, as to all Electing employers Presumed in absence Presumed in absence Assumed risk, fellow Permitted if employer Existing schemes nay bo Personal injuries by accident aris lweek. None if disa 66% per cent.. bility continues for ing out of and in course of em continued it benes equal employees except service, and contrib of notice posted in of notice to em must insure in pri fails to insure risk. 6 weeks. ployment, unless duo to willful those of act. W f ere for officials elected or establishment and vate companies, or ployer and filedwith] utory negligenceun negligence (deliberate and reck bidden. less willful. compensation com appointed for fixed filed with compen provide sdf-insurless indiffcrenco to safety, or in terms. missioner. sation commis toxication). sioner. EkcUte, as to all employments except farm labor, domestic service, out workers ana casual employees not in the usual course of toe employer's business. Voluntary, as to excepted employments. Nevada. Ch. 183. A] Mar. 24,1011. In effect July 1, 1011. Now act, ch. Ill, 1013. Amended, each session. 7 days. Then com Elective, as to ail employments except Compulsory, as to all Electing employers Writing filed with Presumed in absence Assumed risk, fellow Permitted if employer Waivers forblddei Hos Personal lu ________________ pensation from date ing out of and in courso of em farm labor, domestic service, and service, and contrib pital ftmd may j main of notice to employ is in default on in employees, indudmust insure in State commission; notice of injury. ployment, unless duo to wfllfid mmmJ employees not in usual course ‘ ins those of public utory negligenceun fund. er and filed with tained. of rejection to be surance premiums. intention to injure self or an of employer's business. Voluntary, less willful. contractors. posted In establishother, or sustained while intoxi as to exempted employments. cated. i Not providedforincompensationlaw. Maximum. $15. Mnl- Death, 350 weeks. ^ Per (a) Expenses of burial, maximum manent total disability, mum, $6, or acual $150; 66% per cent of wages fo life. Temporary total 350 weeks; maximum, $15; mini wages. disability, during its mum, $6, or actual wages, (b continuance. Partial Expenses of burial, maximug disability, 300 weeks. Death, 10 to 66% per Death: Maximum hsic Death, during life or until cent. Total and wage, $120 a mo.th. remarriage of widow or partial dependent widower. Disability: Manfaly Total disability, during maximum, $10 to 272; ity, 60 per mlplmtiiiij |30. its continuance. cent; permanent partial andspecified Injuries, 50 per cent. _____ expenses, maxhnurr J150; widow or dependent wid ower, 30 per cent of wages unt! death or remarriage; 15 per cen additional for each child; tote not over 66% per cent; month! maximum basic wage, $12( Also burial expenses, maximur 8150, in case of death of depenc ent. (b) Burial expenses, max: i, $150. Medical and surgical aid Total disability (a) Permanent (b) Temporary Maximum, $18; minimum, Death, 416 weeks. Per (a) Burial expenses, maximum, $8, or actual wages. manent total disability, $125; 06% per cent of wages for 8 life. Temporary total years; maximum,$18, minimum, 38, or full wages, not over ~ disability, 312 weeks. nor less than $1,000. (5) ] expenses, moximum18l25, i estate sufficient to defray same. (a) Burial expenses, maximum $150; expenses of last sickness maximum. $250; three hundrec times 66% per cent of weekfc earnings, payable weekly; 121 maximum, $6 minimum, (b Expenses of last sickness am burial, as above. Death, 400 weeks. Per Burial Maximum, $15. XiniDeath, 30 to ,50 per 2 weeks. None if dis Injuries from fortuitous event aris Waivers forbtddemospltal Writing filed with Prosumed in absence Assumed risk, fellow Permitted if employer manent total disability, mum, $7, or a&ual cent. Disability, 50 ability continues 6 ing out of and in courso of em fund may be xnstafned. service, and contrib in State fund is in board and posted in of written notice to 500 weeks. Temporary wages. percent. ployment. establishments. utory negligence default on Insuranco ‘ oyer and filed total disability. 300 minimum, $7, or actual wages unless willful. board. premiums. weeks. Partial disabil (b) Burial c--------------- 1-----ity, 150 weeks. $125. employers Presumed in absence Presumed in absenco Assumed risk, fellow Permitted if employer Waivers forbidden. ____ isuie in pri fails to secure pay service, and contrib of written notice of written notice ment of compensa vate companies or utory negligence. filed with the comfiled with the comtion. " ■ sdf-insur- Nebraska. Ch. 196. A] Apr. 21,1913. In effect Dec. 1, 1917, 1919, ------ .................... — 1914. Amended, 1921. 66% per cent. Ifmlnnim atii^ ynlnlmlim weekly compensation payments 1)0 Personal injuries arising out ofand 1 week. None if dis 60 per cent—----------- Maximum, $14. Compulsory, as to all Electing employers Writing filed with in Presumed in absenco Assumed risk, fellow Permitted Ifemployer TfrfaHng mum, $7. ability continues 6 in courso of employment, unless continued, but • reduc is in default on in service, and contrib dustrial accident of written notice, if must insure in State weeks. due to intentional and willful tion In liabllityllowcd; surance premiums. employer elccts. board. utory negligence. fund or private misconduct. (Court holds in waivers forbiddc companies, or pro jury must bo accidental.) vide self-insurance. Elective, as to all employments where EUctive, acceptance by enactment of law or moro than 10 are regularly em ployed, except farm and domestic ordinance. servants, casual employees, out workers, and those whose earning exceed 8,000 per year; also of 10 or lew, if employment foundhazardous. Montana. Ch. 9ft. Approved Elective, as to hazardous employments; farm labor, domestic service, and Mar. 8,1015. In effect Julyl, employees (defined as not in 1415. Amended, 1019, lib , usual course of employer’s business) 1925. excepted. Voluntary, as to nonhazardous employments. By employee Defenses abrogated if employer does not elect Compulsory, ns to la Electing private em By subscribing to Presumed in absenco Assumed risk, fellow Not permitted. ployers must insure service, and contrib State association or of written notice, if borers, workmen, in Massachusetts utory negligence. in other employer insures. and mechanics of Employees* Insur State. Elective, as ance Association or to counties, cities, other private camtowns, or districts having power of tax- Minnesota. Ch. 467. Approved Elccthe, as to all employments, except Elector, as toe ees of count] farm labor, domestic service, steam Apr. 24,1013. In effect Oct. 1, Jes, towns, v railroads, casual employees not in 1013. Amended, 101$, 1017,1010. ypfl ffffbOAl di__ usual course of employer's business. New act, ch. 82,1021. Amend except Commercial threshing and baling ed, 1921,1023,1025. included. Voluntary, as to farm Missouri.P.875. Approved Apr. 30, 1925. In effect: (Deferred by referendum). By employer Publle Private Compensation benefits How election is made Employments covered TO INSURANCE—Continued (•) 66% per cent of wages; maxi mum. $20; minimum, $8, or actual wages: not over $10,000 in all. (b) 66% per cent of wages for not over 360 weeks; maxi mum, $20, minimum, $8, or actual wages. Partial disability Nonresident alien bcnefldaries Time for notice and claim (a) By whom administered (b) How daims are sottled Acddent-prevention work by—(a) Compensation commission, (b) Other agencies Acddent reports required State Such medical, surgical, or hospital Dependent widows, Notico of accident in 10 days; (a) Industrial accident commission, All employers must report all acd (a) Industrial acddent Maryland. dcnts to industrial acddent com commission, (b) Board (b) Application by employee to com of death in 30 days, unless children, and par* service, including artificial limbs of labor and statistics; mission at once. Commission mission which may render award, or sufficient reason; claim in as may be required by commlscnts only; may com may require additional reports. mine inspector.! Spodfied injuries, 66% per cent of appoint arbitration committee, ap 30 days for injury, 1 year ■' aximnm. 8500. Chorees mute within one peal to commission, then to courts. wages for fixed periods; maximum, death. year at three-fourths to prevailing rates. $18; minimum, $8, or foil wages, value, not over In addition to temporary total; not $2,400. over $3,750 in oil. Reasonable medical, surgical, and No provision *______ Notice as soon as practi (a) Industrial accident board. jb) All employers must report all in (a) No provision, (b) De Massachusetts. juries to board within 48 hours; partment of labor and cable; claim in 0 months. hospital service for t weeks. or industries;! Massachu supplementary report after 60 longer, at discretion of board. setts Employees' Insur days or termination of disabil ance Association. ity; insurers report compensa board; certain cases tallendirect to other compensation; maximum, tion paid within 60 days after board; appeal to court upon ques $10; minimum, $4. termination of disability. tions of law. m iii w w |O W | m iv iu fju r u t jr . 0 per cent of wage loss during dis Reasonable medical and hospital Included.________ _ ability, for not over 500 weeks: service, for today*. weekly maximum, $14. Specified injuries, 60 per cent of wages for fixed neriods; weekly maximum, $14; minimum, $7, in lieu of other payments. , Tll cent of wage loss during dis Reasonable medical and surgical Xnduded----ability, for not over 300 weeks; treatment for $0 days; commis maximum, $20. Specified injuries, sion may allow additional treat 66% per cent of wages for fixed ment, if need is shown. Charges periods, in addition to temporary limited to prevailing rates. total; maximum, $20, minimum, $8, or actual wages. Disfigure ment, not over 75 weeks. fe) 66% per cent of wages for 300 66%per cent of wage loss, maximum, weeks; $20 maximum. $6 mini$20, not over 100 weeks if tempo mum^ theni25 25 per ccent __of wages rary. Specified injuries, 66% per ______ (b) 66% ___per cent of cent of wages; maximum 120, wages for not over 400 weeks; minimum, $6, for fixed periods, $20 minimum $ffy or in lieu of all other compensation. actual wages. Disfigurement, not over $1,000 additional. «) 50 per cent of wages for 500 50per cent of wage loss, for not over weeks; maximum, $15; mini 150 weeks If permanent, 50 weeks mum, $7. (b) 50 per cent of if temporary; maximum, $7.50. wages for not over 300 weeks; Specified injuries. 50 per cent of maximum, $15; minimum, $7. wages for fixed periods; maximum. or actual wages, in lieu of 8li $15; minimum, $7, or actual other compensation. wages. In lieu of all other compen sation. a) (b) 66% per cent ofwages for300 66% per cent of wage loss for not weeks; maximum, $15; mini over 300 weeks; maximum, $15. mum, $6, or actual wages; there Specified injuries, 66% per cent of after 45 per cent of wages during wages for fixed periods, in addi disability; maximum, $12; mini tion to temporary total; maxi mum, $4.fiQ, or actual wages. mum, $15; minimum, $q, or actual wages; certain disfigurements compensated. a) 60 per cent of wages for life; 60 per cent of wage loss, for not over monthly iwftttnmm. $60: mini 60 months; monthly maximum, mum, $30; also $30 for services of $40. If permanent, 50 per cent of constant attendant, if required; wages for periods proportioned to (b) 60 per cent of wages, for not disability, for not over 60 months; over 100 months; total not over monthly maximum, $60. Speci $7,200; monthly maximum, $72; fied injuries 50 per cent of wages minimum. $30; $10 additional for fixed periods in addition to per . m < month if dependents in temporary total; monthly maxiUnited States. minimum, $30. Dis;, not over 12 months. Medical, surgical, and hospital No provision... treatment as reasonablyrequired for 00 days, not over $250, and thereafter within one year, as commission may determine. Notice in3 months; daim in (a) Department of labor and Industry, All employers must report all in (e) No provision, (b) De Michigan. partment of labor and juries to department on eighth (b) voluntary agreement approved 6 months; 2 years if dis Industry.1 day after occurrence; supple by deportment; disputed cases set ability develops after o mental reportof deathswithin 14 months after date ofinjury. tled by arbitration committee; ap days. peal to department; certain cases taken direct to department; appeal to court upon questions of law. Notice in 14 days; if in 30 (a) Industrial commission, (b) Em All electingemployers must report (a) No provision, (b) De Minnesota. partment of .labor and fatal and serious acddent. with ployers are directed to pay compen days not barred except as Industries:! county inin 48 hours, other tabulatable sation according to terms of act, to extent employer was spectors of mines.! acddcnts within 7 days to in without agreement or order; may prejudiced; bar absolute dustrial commission. not discontinue over protest of beneafter 90 days. Action fidary without notice to commis must bo brought within sion. Orders issuo after hearing, 6 years. subject to review and appeal to courts. Notice in 30 days; daim In (a) Workmen's compensation com All employers must report all (a) No provision. (b)8tate Missouri. industrial inspector.! injuries in 10 days; supplr-™ mission. (b) Agreements approved 6 months. tary report in one month. by commission; disputes settled by commission; appeal tocourt on ques tions of law. Reasonable medical and hospital Exdudcdunlesstreaty Notice in 60 days; daim in 6 months. to contrary, then service for B months; maximum, 40 per cent benefits $500, unless there is a hospital if treaty permits; fund; spccial operating feeof $50 in case of hernia. none if law of na tion excludes dtizens of United States. Reasonable medical and hospital Widowers, brothers, Notice as soon as practi cable; claim in 6 months; service not exceeding the regular and sisters excluded; bar absolute after l year. charge in similar cases. may commute with in one year at twothirds valuo. (a) Industrial acddent board, (b) Dis All employers and insurers must (a) Industrial acddent Montana. board, (b) Department report all acddcnts to industrial puted cases determined by board of labor and industries acddent board: employers not subject to rehearing on certain sped(mines and boilers in State fond must report fled grounds; limited appeal to only).! monthly on compensation and courts. mcdlcol aid paid. (a) Commissioner of labor who is also Reports oracddcnts shall be made («) No provision, (b) Bu Nebraska. reau of Labor. as directed by compensation compensation commissioner, (b) commissioner. Voluntary agreement filed with commissioner; disputed cases settled by commissioner; appoal to court. Reasonable medical, surgical, or Sixty per cent of ben Notice of injury in 30 days; (a) Industrial commission, (b) By All dectlng employers, and physi cians must report all acddents commlstton under roles adopted by death in 60 days; daim in hospital treatment for 6 months, efits. to industrial commission. which may bo extended anaddi 90 days for disability; 1 year for death. tional year by commission. T ra n sp o rta tio n tarnished. Charges limited to prevailing rates. *But indudedby constructionoflaw. r____ , (b) V1" __ commissioner;! in spectors of mines.! 1005°—20f. (Fftce p. 72.) Nevada. No. 3 PRINCIPAL FEATURES OF LAWS OF THE UNITED STATES RELATIVE TO WORKMEN’S COMPENSATION AI Private New Hampshire. Ch. 10 . EUctint, as to "dangerous” eimflmu rants -enumerated, except $31*21 Aggovjd Apr. tS, .19 11.. to «r atwjps having less than 5 * 2 Jan. 1,1912. Amended, plcowes engaged in manual or 1923, ■chantafl la ta ; applies only t j fabUe Jgy employer Electing employere 'Writing filed with commissioner of must give proof of tfnancfal ability or labor. fflea bond. By employee By acceptingcompen sation or beginning proceedings under act. for damages Defenses abrogated if Suits after rtiwHim by employer docs not both employer and elect employee Compensation bencl Special contracts Permitted in lieu of No provision___ compensation after Injuries covered Total disability Waiting timo Per cent of wages Maximum and minimum weekly compensation Maximum period New Mexico. Ch. 83. Ap proved Mar. 13,1917. ^ In effect June 8,1917. Amended, 1919, 192L irk. Ch. (ML Approved Now York. lacOeetJutyH, Dee. I10,1913b f ' 1914. Amended each jiear. North Dakota. Ch. 182. Apnofed Mar. ^1919. In effect Jujjr 1^!919 l Amended 1921, Amended eadi session. Oklahoma. Ch. 24(L Approved Mar. 22,191* In effect wept 1, 1915. Amended 1919,1923. Oregon. Ch. 112. Approved Feb. 25,1913. In effect July 1, 1914. Deferredby refen — ■ Amended, each session. Death (a) Dependents (ft) No dependents Injuries by accident arising out of 1 week. Then com Disability, 50 per cent. Disability, maximum, $15. Disability, 300 weeks____ (a) 150 times weekly eoralnrc total not over $3,000. (ft) Ex and in course of employment, pensation from date Minimum, no provision. penses of medical attendance unless due to willful misconduct, of injury. and burial; maximum, $100. intoxication, or violation of law. g hrtjw, Mtq-Jjagptoymenti 1911. Amended, 1913, 1914, 1919,1921,1922,1923,1924,1925, D INSURANCE—Continued Compulsory, as to an AH employersmust in Presumed in absence Presumed in absence Assumed risk, fellow Not permitted...... <«) Burial expenses, madz Personal injuries by accident aris 7 days. None if dis Death* 35 to 00 per Maximum. $17. Mini No substitute sure xnprivate comof written notice to $150:35 to w per eent of of written notice to ability exceeds 7 ing out of and in course of em mum, $8, or service, and contrib c e n t. Disability, valid. employer. KSfcrSkSTg l>anies, or provide employees. for 300 weeks; maximum, $17; weeks. ployment, unless intentionally utory negligence per cent. thoso receiving a minimum $8 or actual wages. self-insurance; em ability, ___ ____ solf-infllctcd, or due to intoxica unless willful. Ab salary over ployersoffarmlabor (5) Expenses of last sickness, Temporary total and tion. Designated -------------rogation does not _____ am, $100, and burial < and dot partial disability, 500 depend upon rejec ice oxen senses, maximum, $150.' . tion of act. J M t , as to a*'extrahazardoos*» Electing employers Presumed in absence Presumed in absence Assumed risk, fellow Not permitted...... No provision except that Injuries by accident arising out of 10 days.. Death, 15 to 00 per Death: Basic weekly wage, Death, 900 weeks; total (a) Burial expenses, maximum, pktyncoti Jbr rain tt 4 ornSw S E No provision_____ must insure in pri $75; 15 to 60 per eent o fm p s or written notice to of written notice to disability. 590 weeks; maximum, $30. Disa and in courso of employment, service, and contrib employer may maintain cent. Disability, 90 ploywa; «wuT!m ploye«rSt^ employees. vate 'companies or employer. for « 0 weeks; bade wage, maxipartial disability, no unless duo to Intoxication or in utory negligence. bility: Maximum, $12; percent. hospital fund. usual course of employer’s bushiM. provide eelf-insurt tentionally inflicted by himself minimum, $6, or actual provision. excepted, numerical cx^tiondES or another. not apply to structural wcrk lo fa? above ground. Voluntary, nonhazardous employments. Compulsory, as to all Employers must in Accidental personal injuries aris 1 week. None if dis Death, 15 to 66# per Death: Maximum bade Death, during life or until (a) Burial expenses, maximum, Permitted if employer Waivers forbidden. employees. sure in State fund $200; widow or dependent wid remarriage of widow or ability continues for ing out or and In oouzso of em wage, $150 a month. eent. Disability, foils to insure risk. motheremployments having4eruM» or private com ower, 90 per cent of wages until ployment, unless duo to wOUul dependent widower. more than 7 weeks. Disability: W e e k l y 66# per cent. 'workmen «r operatives, condnT! panies, or provide death or remarriage; 10_per cent for-intin* ■farmand ' mini* Permanent total disa Intention to injure self or an ram, $2fc self-insurance. additional for caw child; total bility. life. Others, dur other, or intoxication. Desig $8, or full •» to as* not trar «fGM per eent; maxi ing disability. nated occupational diseases in mum bade ■wage, $150 a month, cluded. (ft) Burial expenses, maximum. $200, and $1 j000to create special funds. ‘Omtpttoom as to all employment, Compulsory, as to all Employers must in Injuries arising in course of em 1 week. None if dis Death, 20 to 66# per Death: B asie wcokly Death, during lifeor until <«) Burial expenses, maximum, Permitted if< Waivers forbidden. -cxeopt .executive officers ncrivflz employees. sure in 8tate fund. $150; 35 per eent ofweekly wages ability continues for remarriage. Disability, ployment unless caused by will wage; maximum, $30, cent. Disability* morethan 12,400 per year, fails to more than 1 week. during its continuance. - to widow or dependent widower minimum, $18, but com ful intention to injure self or 68# per cent. domestic service, casual emotor-E until death or remarriage; 10 pensation not more than another, including diseases not in usual course of tmfioSS: per cent additional for each proximately caused by tho em w a g e s . Disability: business, and any common carrw child, total not over €6# per by steam railroad. Folasfar^JJ? ployment. Weekly maximum, $20. cent: basic wage, maximum, $30, m, $6. er actual excepted employments. 1,0 minimum, $18, no compensation lflessthan$6. to exceed wages. (5) Burial exDenSCS. tnnTlmntn. $150. Compulsory, as to all emplon&nit. Compulsory, as to all Employers must in Death, 416 weeks. Perma (a) liurial expenses, maximum. 66# per cent. except those having less Waivers forbidden except Injuries sustained In courae of em 1 week----Permitted in case of employees, except sure in State fund $150; 66# per cent of wages for ( ployment, unless purposely selfnent total disability. ploycea, and casual employ*, default oninsurance in case of blind employees. officials or firemen or provide self-in years; maximum, $18.75; total Hfe. Temporary total infficted. Designated occupain usual course of employer** bffi premiums. and policemen in surance. disability, 312 wwks. not over $6,500 nor less thax tional diseases included. ness. loltta/aiv,a8 to emplQnnT^ cities having pen$2,000. (ft) Burial expenses Partial disability, dur having less than 3 em ploye*111* sion funds. muimum, $150. ing its continuance. Compulsory, as to "hazatdoos** m Compulsory, as to all Employers must in Maximum, $1& Mini Permanent total disabil Fatdaccidents not covered..— . ployments (enumerated list Permitted Ifemployer Approved schemes permit Accidental personal injuries, not 5 days___ ____ _____ 66# per cent----workmen in hazard sure in private com* ity, 500 weeks. Temiwfatal, arising out of and in course mum, $8, or actual general clause) conducted far nu! ted. Waivers forbidden. fails to insure risk. ous employments panics or provide laqr total and partial of employment, unless due to employed far wages* self-insurance. disability, £00 weeks. ployees, farm labor, and hiibu^ ; willTul intention to injure self or except when equiva not engaged in manual or n i Z 7 another, intoxication, or willful lent schemes are In calwork. failure to use statutory safefftTCP, SUctire, as to enumerated Mh«ani as to all em loyers Presumed in hazard Presumed in absence Assumed risk, fellow Permitted if injury is Waivers forbidden., Personal injuries by accident None..--------------- - Monthly p e n s io n ; Monthly pension. Mini Death, during Hfeor until fa) Burial expenses, ’ maximum ous” employments ciceptfcS Electee, ployees. remarriage of widow or tate ous employments in gOO^widow or invalid widower of written notice, if labor. Voluntary, as to tttS S mum: death, $15. per service, and contrib arising out of and m course of due to willful act of amounts not based fund. employer elects. absence of notice ____t month until death or re invalid widower. Total employment. ***" manent total disability, employment, unless due to de u to r y negligence on wages, except employer or in case starring*; $8 for each cfcild un posted in establish disability, during its liberate intention to injure self. except willful and $30; no maximum. Tem for temporary total of default on insur S e r ju expenses ment and filed with iler 16.f '(ft^Suriai C conthmanoB. Tempoporary total disability, with purpose of selfance premiums. injury. $30 to $97. Permanent MMweeks. partial disability, $25. SNflt providedforIncompensationhtw. Medical and saigbal aid Partial disability («) ($) 50 per eent of wages, for 50 per cent of wage loss for not over not over 9 » .weeks; maximum, 300 weeks; maximum, $15. Reasonable medical and for 14 days. Nonresident alien beneficiaries No provision... 06# per cent of wages for periods Seasonable mcdical and hospital No provision_______ proportioned to disability, for not service; maximum, $100; in over 500 weeks. Specified in cases requiring unusual treat juries, 60# per cent of wages for ment bureau may increase fixed periods; maximum, $17: amount; special operating fee minimum, $8, or actual wages; all of $150 in case of hernia. in addition to temporary total. to <9 50 per oentof wages for not If pennancnt, compensation meas Reasonable medical,surgical, and Excluded., erer 530 weeks; maximum, $12; ured by extent of disability. hospital service for 10 days; wifdnann, $6, or actual wages. Specified injuries, 50 per cent of maximum, $150, unlessthere is a wages for fixed periods, in addi hospital fund; special oper tion to temporary total; maxi ating fee of $75 in case of hernia. mum, $12; minimum. $6 or actual wages. Disfigurement, maximum, nnm, $8* oractual wages, (ft) « # per cental wages, for not over 500 weeks; maximum, $17; minimum, $8, or actual wages. Time for notice and claim (a) By whom administered (ft) Dow claims are settled Accident reports required Accident-prevention work by—(0) Compensation commission, (ft) Otlfcr agencies Notice as soon as practicable (a) Courts, (ft) Voluntary agreement, All employers subject to act must (a) No commission, (ft) Bureau of labor.* make such reports to commis or by action in equity beforesuperior and before leaving service; sioner of labor as required by claim in 6 months. court. State New Hamp shire. Notice in 14 days; 30 days, (a) Department of labor, (ft) Volun Employers must make immediate (4) Department of labor, Now Jersey. (ft) No provision. report to department of all acci except as employer is pre tary agreement approved by de dents and occupational diseases.* judiced; bar absolute after partment; disputed esses settled by 90 days; claim in 1 year. department or referee; appeal to courts. Notice of occupational disease In 5 months after last exposure. (a) Noprovision.(ft) Mino New Mexico. Notice in 14 days; if pre (a) Courts, (ft) By interestedparties; No provision-.. vented, not later than 60 disputed cases settled by district days. Claim in 60 days court. Appeal to supreme court. after compensation re fused; 1 year in case of death. (•) per cent of wages for life; 66# perjDent of wage loss; total not Such medical, surgical, and hos Widow, chndren, and Notice of injury in 30 days, (a) Industrial commissioner, (ft) All employers must report all acci (a) Department of labor, mBamum,$20; minimum,$&or (ft) Noprovision. over $3^00 if temporary. Speci dents to industrial commission pital service as nature of injury dependent parents death in 30 days unless Claim submitted to employer or fall wages, (ft) 66# per cent of fied injuries, 66# per cent of wages within 10 days; commissioner requires. Charges limited to only; may be com excused for cause; claim commissioner after 7 days after In wages during disability; maxi for fixed periods, plus fixed heal may require any information. prevailing rates. muted at one-half in 1 year. jury; hearing by commissioner or mum, $20; minimum, $8, or full ing time in certain cases; maxi present worth. board on request; appeal to court ------i; total not over $3,500. mum, $20: minimum, $8, or actual upon questions of law. wages. Disfigurement, maximum, .«) (ft) 66# per cent of weekly If temporary, 66# per cent of wage Such mcdical, suigicn], and hos No provision. In Claim In 60 days; 1 year if (a) Workmen's compensationbureau, AH employers must report all wages during disability; maxiloss; maximum, $20. If permanent accidents to bureau within 1 pital service as thenature of the reasonable cause shown. cluded by adminis (ft) Bureau has full power to deter munij $20; minimum, 16, or for fixed periods according to Injury requires. week. tration. mine an questions within its Juris schedule of pcrcentage of disa diction; appeal to courts. bility. Disfigurement compcn- New York. (a) Workmen's compen North Dakota. sation bureau, (ft) No provision. a) 66# per cent of wages for life; 66# per cent of wage loss; maxi Such mcdical and hopsltal service Included............... .... Claim for injury or death, in (e) Industrial commission, (ft) Com All employers must report all acci (a) Industrial commission Ohio. maximum, $18.75; minimum, (ft) Noprovision. mum, $18.7$ total not over $3,75a dents to industrial commission as commission deems proper: 2 years; far occupational mission determines all questions $5, or actual wages, (ft) 66# per Specified injuries, 66# per cent of maximum $200 except in un within 1 week. discaso, 4 months. within its jurisdiction; appeal to cent of wages for not over 0 wages for fixed periods in addi usual cases. court. yean; maximum, $18.75; mini tion to temporary total; maxi mum, $5, or actual wages; total mum, $18.75. Disfigurement, not not over $$,750. over $3,750. i) 66# per cent of wages for 500 66# per cent of wage less for not Necessary medical, surgical, and Fatal accidents not Notico in 30 days; daim in (a) Industrial commission, (ft) Volun All employers must report all acci- (a) Noprovision. (ft) De Oklahoma. weeks; maximum. $18; mini partment of labor,1 in over 300 weeks. Specified inhospital service /or eo days: donts to industrial commission lycar. covered. tary agreement, after 5 days, ap mum $8, or actual wages, (ft) spectors of mines, oil, imfes» W # per cent of wages for $100; period and within 10 days or reasonable proved by commission; disputed 66# per cent of wages, for not ,n» m ucww, TimTfrptmi, *18: maximum, and gas.1 amount may be increased at time: commission may require cases may be submitted to arbitra over 300 weeks; maximum, $18; mlnlmuSiTIK or actual wages. discretionof commission; charges any information. tion committee, or commission may minimum, $8, or actual Disfigurement, maximum, $3,000. limited to prevailing rates. act; appeal to courts. Special provision for hernia. \$30 a month If single. $35 if If temporary* benefits proportion Medical, surgical and hospital Parents, spouse, Claim for disability in 8 (a) Industrial accident commission, All employers must report all acd- (a) Industrial accident Oregon. commission, (ft) Bureau ate to those for totaldisability dents to industrial accident service and transportation; child only, un months; death, 1 year. (ft) Commission settles all ques for not over 2 years. Specified of labor statistics.1 maximum, $250; commission commission ct once. treaty to contrary. tions; appeal to courts. wages according to number ofde permanent injuries $25 a month may allow additional service. pendents, maximum $07; minifor fixed periods, in addition to im $30, $40ifdependentspouso temporary total; others in pro J Ain wages, during disability. portion, but not over 90 months. 1905°— SOf. (Facdp. 72.) No. 4 PRINCIPAL FEATURES OP LAWS OF THE UNITED STATES RELATIVE TO WORKMEN’S COMPENSATION A. <D INSURANCE—Continued Employments covered IIow election is made Insurance State Private Pennsylvania. No. 338. Ap EUctire. as to all employments except form labor, domestic service, casual proved June % 1915. In effect Jan. l, 1916. Amended, 1917, employees not in usual course of employer's business, and out 1919,1921,1933. workers. Porto Rico. No. 19. Al ..____ Apr. 13.1916. In effect July 1, 1916. Amended, 1917. New act, No. 10,1918; in effect Jubr 1, 1918; amended, 1919, 1939, 1921,1925. Compulsory, os to all employments except domestic service, nonhazardous clerical occupations, and em ployees receiving more than $1,500 a year. Rhode Island. Ch. 831. Ap proved Apr. 29,1912. In effect Oct. 1, 1912. Amended, 1913, 191ft, 1917,191% 1920,1921,1926. Eleciire, as to all employments except those having less than 6 employees, farm labor, domestic service, casual employees not in usual courso of em ployers business, and employees receiving over $3,000 a year. Vol untary, as to excepted employments. Elective, as to all employments exccpt farm and domestic service and em ployees not in usual course of em ployer's business. Compulsory, as to threshing grain.* Voluntary, as to excepted employments. South Dakota. Ch. 376. Ap proved Mar. 10, 1917. In effect June 1,1917. Amended, each session. By employer. Public Compulsory, as to all employees. Includ ing public contrac tors. ptecUng _ must insurein Stato fund orprivatecom panies or provide sdf-insurance. Compulsory, as to em Employers must in sure in State fund, ployees engaged on public works per formed by adminis tration under direcand members __ municipal Are corps. Compulsory, as to em must insure in pri ployees of State. vate companies or Elective, as to em provide self-lnsur* ployees of cities and towns, except lire and pdico depart* mcnts. Compulsory, as to all Electing employers must Insure in pri employees. vate companies or provide selMnsur- Voluntary, as to State and subdivisions. Tennessee. Ch. 123. Approved Apr. 15,1919. In effect July 1, 1919. Amended, 1923. Electee, as to all employments except those employing less than 5 em ployees, farm labor, domestic service, and casual employees (not in usual course of employer's busi ness). Voluntary, as to employ ments having less than 5 employees. Texas. Ch. 179. Approved Apr. 16,1913. In effect S< 1,1913. Amended, 1917, If Elective, as to all employments cxcept No provision.......__ Electing employers these having less than 3 employees, must insurein Texas form and ranch labor, domestic Employers' Insur■auce Association or service, railways used as common carriers, and employees not in usual other private comcourse of employer’s business. Utah. Ch. 100. Approved Mar. 15,1917. Inefltat July 1, 1917. Amended, each session. Compulsory, as to all employments except those having less than 3 em ployees, form labor, domestic serv ice, casual employees not in usual course of employer's business. Feluntary, as to excoptcd employments. Compulsory, as to all employees, includ ing elective officials. ___ sure m pri vate companies or provide self-insur ance; State fund for coalmining. Employera must in sure in State fund or private companies or provide self-in- By employee Compensation benefits for damages Defenses abrogated If Suits after election by employer dues not both employer and elect employee Special contracts Presumed in absence Presumed in ahsenco Assumed risk, fellow Permitted if employer Waivers forbidden. of notice posted in of written notice to foils to insure risk. service, and con establlshmcnt.given tributory ncgigence employer and filed employee, and filed unless due to in with compensation with compensation bureau. toxication or reck bureau. lessness. Abroga tion does not depend upon rejectionoilact. Injuries covered Waiting time Per cent of wages Personal injuries by accident In 10 days. course of employment, unless intentionally self-inflicted, or duo to intentional act of third party for reasons not connected with the employment. Maximum and minimum weekly compensation payments Maximum period Death (a) Dependents (b) No dependents Death, 15 to 00 per Death: Basic wage, maxi Death, 300 weeks. Total | (a) Expenses of burial, maxi mum, $100; 15 to 60 per cent of disability. 500 weeks. mum, $20; minimum, cent. Disability, 00 wages for 300 weeks; basic wage, Partial disability, 300 $10. Disability: Maxipercent. maximum, $20; minimum, $10. weeks. mum, $12; minimum, (b) Expenses of burial, maxi $6, or actual wages. mum, $100. Temporary total dis Temporary total disabil Temporary total disabil (a) Compensation proportioned Personal injuries by accident or 7 days. to earning capacity, number ity, 101 weeks. ity: Maximum, $15; ability, 50 per cent. sickncss occurring during and and needs of dependents of Tninlmtim, $3. because of employment, unless deceased; maximum, $1,000; due to intent to commit a crime, minimum, $1,000. (b) No to injure one's self or another, provision. to intoxication, the willful crim inal act of another, or solely to gross negligence. Total disability: Maxi Death, 300 weeks. Total (a) 50 per cent of wages for 300 Writing filed with Presumed in abscneo Assumed risk, fellow Permitted if employer Approved schemes permit Personal injuries by accident aris 1 week. None if dis 50 per cent.. weeks; maximum, $14; mini disability. 500 weeks. mum, $16; minimum, ability continues for ing out of and in course or em commissioner o f ted if benefits equal those of written notice to foils to insure risk. service, and con mum, $0. (b) Expenses of last Partial disability, 300 $7. £arthu disability: moio than 4 weeks. ployment. unless due to willful labor. of act; waivers forbidden. employer, copy to tributory ncgligence. sickncss and burial, maximum, weeks. Maximum $10: mini intent to injure self or another, be filed with com $200. m um ,^ Death: Max or intoxication. missioner of labor. imum $14, minimum $6. disability, during (a) 50 per cent of wages to equal Presumed in absence Presumed in absence Assumed risk, fellow Probably permitted Approved s u b s t i t u t e Personal injuries by accident aris None (administrative Total disability, 55 Permanent total dis Total four times annual earnings; its continuance. Partial ability: Maximum, $15; per cent. Partial construction of con ing out of and in course of em of written notice to Fchemos permitted; of written notice to service, and con if employer foils to maximum. $3,000; minimum, disability, 312 weekst mi n i mu m, $7.50. disability, 50 per flicting provisions). ployment, unless duo to willful employees and filed waivers forbidden. insure risk. employer and filed tributory negligence. $1,650. (6) Burial expenses: Other disability: Maxi cent. misconduct, intoxication, fail with c with commissioner. maximum, $150. mum, $15; minimum, ure to use safeguards, violation $7.50, or actual wages. of law, or intentionally selfinflicted. Burial expenses, maximum. Personal injuries by accident aris 1 week. Nono if dis Death, 20 to 50 per Maximum, $15: minimum, Death, 400 weeks. Per (a)$100; Presumed in absence Presumed in absence Assumed risk, follow Permitted if employer Waivers forbidden., 20 to 50 per cent of wages manent total disability, $5, or actual wages. cent. Disability, 50 ability continues for ing out of and in course of em of notice pasted in of noticetoemployer service, and con foils to insure risk. for not over 400 weeks; maxi 550 weeks. Others, 300 percent ployment, unless duo to willful 6 weeks or more. establishment and and bureau of work tributory negligence. mum. $15; minimum, $5, oi weeks. filed with bureau of misconduct, intentional selfshop end factory actual wages. (5) Burial ex inflicted injury, intoxication, or workshop and fac inspection. penses, maximum, $100. tory inspection. willful failure to use safety ap pliances or perform statutory Maximum, $20; mini Death, 300 weeks. Total (a) 00 per cent of wages for 3G( GOper cent.. By subscribing to Presumed in absence Assumed risk, fellow Permitted if employ Waivers forbidden.. Personal* injuries sustained in 1 week.., weeks; maximum, $20; mini disability. 401 weeks. mum, $7. course of employment unless State association or of written notice to service, and con er's willful or gross mum, $7. (b) Expenses of las* Partial disability, 300 insuring in other due to willful intent to injure employer. tributory negligence, negligence causes sickness, and funeral beneii: weeks. company and notiunless willful or due self or another, intoxication, death; damages, in of $100. act of Qod, or caused by act of to intoxication. addition to com industri third party for personal reasons. pensation, if part board. of Insurance pre miums is charged against employee. Burial expenses, maximum 60 per cent_________ Death: Maximum, $10. Permanent total disabil (a)$150; Permitted if em A p p r o v e d substitute Personal injuries by accident aris 3 days... 60 per cent of wages for i ity, life. Others, 312 Disability: Maximum, schemes permitted if ing out of or in course of em ployer foils to In years; maximum, $16; total no weeks; may be extend $16; minimum, $7, or benefits equal those of ployment. except those pur sure risk, or if injury over $5,000 nor less than $2,000 ed from special fund, actual wages. posely sell-inflicted. isdueto employers act; waivers forbidden. (b) Burial expenses, maximum in case of total de willful misconduct. $150; and 20 per cent of a deatl pendents. benefit to a second injury an< total dependents' fund. Permitted If injury is No provision.., caused by illegal act or gross negligence of employer. l Not provided for In compensation law. Total disability (а) Permanent (б) Temporary (a) (b) 60 per cent of wages for not over 500 weeks; maximum. $12; minimum, $0, or actual wages; total not over $5,000. 'Medical and surgical aid Partial disability Nonresident alien bencficiaries Time for notice and claim (a) By whom administered (b) llow claims are settled Accident reports required Accidcnt-prcvention work by—(a) Compensation commission, (b) Other agencies 8tato (a) Workmen's compensation board, All subscribers to State fund must (a) Workmen's insurance Pennsylvania. report all accidents to work (b) Voluntary agreement, after 10 board as to subscribers days, approved by board; dis mens insurance board within to State fund, (b) De 7 days; commissioner of insur puted cases settled by referee, partment of labor and appeal to board; cases involving ance may require insurers to industry;1 department file annunl statement of loss agreed focts settled by board direct; of mlnes.> appeal to court upon questions of experience. All employers (ex cept casual employments) must report all accidents of 2 days' disability to department of labor and Industry within 30 days.* Claim must be made in 90 (a) Workmen's relief commission, (b) All employers must report all ac (a) No provision. (b) Porto Rico. Investigation and awards by com days, 120 days if delay due Department of agricul cidents to commission within 5 mission; appeal to court. to ignorance or cause out days. ture and labor.1 of claimants' control. ! loss for not over ! Reasonable medical, surgical, and Two-thirds benefits; Notice in 14 days; claim in to widows and chil l year. hospital service for 80 days; 300 weeks: maximum, $12. Speci dren only. maximum, $100. except in hos fied injuries, 60 per cent of wages pital eases. Charges limited for fixed periods in lieu of other to prevailing rates. payments; maximum, $12; mini mum, $6, or actual wages. Dis figurement, 60 per cent of wages, not over 150 weeks. Necessary medical attendance No provision... (a) Compensation proportioned If pfrwmnewty and sustenance as prescribed portioned to degree of disability to ago and rate of wages; maxi by commission. and rate of wages in addition mum, $4,000; minimum, $2,000. to temporary total; maximum (b) 50 per cent of wages during $2,000. disability, for not over 101 weeks; maximum, $15; mini mum, $3. (a) (b) 50 per cent of wages for 50 per cent of wage loss for net over Reasonable medical and hospital No provision___. . . . . . Notice in 30 days; claim in lyear. scrvice for 8 iwk«r maximum, 300 weeks; maximum, $10. Speci not over 500 weeks; maximum, $150. or $200, including burial, in fied injuries. 50 per cent of wages $16; minimum, $7; total not fotal cases Involving no depend for fixed periods in addition to ail orer $5,000. other compensation; maximum, ents. $10; minimum, $1. (a) Courts; commissioner of labor All assenting employers (except (o) No commission, (b) cxcrcises certain functions, (b) Vol public utilities) must report all Factory inspector.1 untary agreement approvedby com injuries of 1 week's disability to missioner of labor; disputed coses bureau of labor within 2 weeks, settled by court; appeal to supreme fotal within 48 hows. court upon questions of law or equity. Notice in 30 days unless (a) Industrial commissioner, (b) Vol All assenting employers must re (a) No provision, (i Inexcused for cause; claim untary agreement approved by port all accidents to industrial spector of mines.1 in l year. commissioner; disputed cases set commissioner within 48 hours; tled by arbitration committee; supplementary report after 60 review by commissioner; appeal to days, or upon termination of court upon questions of law. disability. Rhode Island. 8outh Dakota. (a) 55 per cent of wages during 50 per cent of wage loss for not over Necessary medical, surgical, and Excluded. hospital service for 12 weeks; disability; maximum, $15, 0 years; maximum, $15. Speci maximum, $150. fied injuries, 55 per cent of wages minimum, $7.50, total not more for fixed periods in addition to than death benefits, (b) 55 per temporary total; maximum, $15; cent of wages for not over 6 minimum, $7.50, or actual wages. years; weekly maximum, $15; Disfigurement, maximum, oneminimum, $7.50,’ or actual fourth death benefits. , wages. Notice as soon as (a) Courts. Department of labor Subscribers to coal operators* («) No provision, (b) (a) 50 per cent of wages for 400 50 per cent of wage loss for not over Reasonable medical, surgical, and Included.., cable; barred after: Department of labor.1 hospital service for 90 days, State fund must report all acci 300 weeks; maximum, $12; mini supervises, (b) Voluntary agree weeks; maximum, $15; mini longer at option of einr* unless causeshown; dents to commissioner of labor. ments approved by court; disputed mum, $5, or actual wages. Speci mum, $5, or actual wages; not maximum, $100; chi in 1 year. cases settled by courts. fied injuries, 50 per cent of wages over $5 thereafter for 150 weeks; to prevailing rates. for fixed periods; others propor total not over $5,000. (b) 50 tionate; maximum, $12; mini per cent of wages for not over mum, $5, or actual wages. 300 weeks; maximum, $15; minimum, $5, or actual wages, Notice in 90 days; claim In (o) Industrial accident beard. (b) All employers must report all acci (a) No provision, (b) Texas. (s) (b) 60 per cent of wages during 60 per cent of wage loss for not over Reasonable medical and hospital Bureau of labor statis service/or 4 weeks. Two weeks dents of more than 1 day's (Us 6 months Voluntary agreement or by board; 300 weeks (401 weeks if partial disability, for not over 401 tics;* mine Inspector,1 additional in cases requiring appeal to court. ability to board within 8 days; follows total disability); maxi weeks; maximum, $20; mini Texas Employers' In hospital confinement. Charges supplementary report after 6 mum, $20. Specified injuries. 60 mum, $7. surance Association. limited to prevailing rates. days, or upon termination of per cent of wages for fixed periods, disability. In lieu of all other compensation; proportionate for others, includ ing disfigurement; maximum, $20; miptftniTn, $7. \a) 60 per cent of wages for 5 years; 60 per cent of wage loss for not over Reasonable medical and hospital One-half benefits ex Notice in 48 hours, or pen (a) Industrial commission* (b) Com All employers must report all (a) Industrial commission, Utah. (b) No provision. alty; barred after 1 year; service; maximum, $500; more accidents to commission within cept to residents of mission has full power to determine thereafter, 45 per cent for life; 0 years; maximum, $16; total not death claims barred after if found necessary; hospital 1 week. weekly maximum, $16; mini all questions relating to compensa oxer $5,000. Siiedfled injuries. lyear. benefit fund permitted in lieu mum, $7. (b) 60 per cent of tion; limited appeal to court. 60 per cent of wages for fixed wages for not over 6 years; of above. periods, in addition to temporary maximum, $16; minimum, $7, total; maximum, $16. Disfigure or actual wages; total not over ment or loss of bodily function; $5,000. maximum, 200 weeks. 100.V— 2fit. (Face p. 72.) No. 5 PRINCIPAL FEATURES OF LAWS OF THE tJNITED STATES RELATIVE TO WORKMEN’S COMPENSATION A Employments covered Private Vermont. Ch. 161. Appro' _ Apr. 1, 1915. In effect July 1, 1915. Amended each session. Compensation benefits How election is made Public Elective, as toall employments for gain, Eleethe, as to all emexcept those having less than 11 em ------------ Bbto, ployees, domestic service, casual employees, those not in usual course or receiving moro of employer’s business or receiving than $2,000 a year. over $2,000 a year. Voluntary, as to other employments. By employer mustInsure in pri vate companies or provide sdMnsur- By emidoyee for __ Defenses abrogated If Suits after election by employer does not both em ployer and elect employee Presumed in absence Presumed in absence Assumed risk, follow Not permitted— . service, and con of written agreement of written agreement tributory negligence. or notice to em or notice to em ployees and board; ployer and board. municipalities vote. Virginia. Ch. 400. Became law Elective, as to all employments except Compulsory, as to all Electiot employers Presumed in absence Presumed in absence Assumed risk, fellow Not permitted.. over governor's veto Mar. 21, those employing less than 11 em service, and contrib employees except must insure in pri of written or printed of written notice to 1918. In effect Jan. l, 1919. ployees, farmlabor, domestic service, administrative of vate companies or utory ncgligcnoe. notice to employees employer and comAmended each session. steamrailroads, casual employees, or ficers and employees and commission. provids self-insur those not in usual course of em elected or appointed ance. ployer's business. Voftcntorv, as to for definite terms. excepted employments. Washington. Cli. 74. Approved Compulsory, as to “ extrahazardous” Compulsory, as to all Emplopis must in Suit for excess donj Mar. 14.1911. In effect Oct. lf employees In “ extrasure mState fund. 1911. Amended each session. list.,, V ^n to ^ as toTmpioynknts hazardous” work in a§dit£ntocompei^ not “ extrahazardous.” which workmen are sation, if injury re employed Corwages, sulted fromdeliber and salaried peace ate intention of em officers. Voluntary, ployer. as to employments not “ extrahazardous.” West Virginia. Ch. 10. Ap Elective, as to all em oyeis By paying premiums Remaining In service Assumed risk, fellow Suit for excess dam proved Feb. 22; 1913. In effect _____ _____i State service, contribu ployees except el and posting notice. with notice of em ages permitted, in Oct. 1/1913. Amended 1915, fundorprovide Selfployer’s election. tory negligence, and tive officials. addition to compen 1919; 1923* 1925. Voluntary, as to employees' not negligence of per sation if injury is regularly employed. sons "whose duties due to employer's intent toinjury; also are prescribed by statute.** permitted if em ployer is in default on premiums. Wisconsin. Ch. 50. Approved Elective, as to all emi Compulsory, as to all Electing employers Presumed as to em Presumed in absence Assumed risk, follow Not permitted........ May 3, 1911. In effect same tboso having less than 3 employees,* ployers of 3 or more must insure in pri of written notice to service, and eontribemployees except of date. Amended each session. form labor, and employees not In persons in absence employer, if em ficials. vate companies or usual course of employer’s business. less wi provide self-insurof notice filed with ployer elects. Kofawf^^qoint election), as to Wyoming. Ch. 121. Approved Compulsory, as to “ extrehazaidous” Compulsory, as to all Employere must in Feb. 27.1915. In effect Apr. 1, employmentsenumeratedconducted employees in “extrasurein State fund. 1915. Amended 1917,1919; 19B&. forgain, except casual employees not hazardous” work in In usual course of employer’s busi which workmen are ness, clerical ttnployees not subject employed for wages to hazard of employment, and unless otherwise provided for. United States. 35Stat.556. Ap. Compulsory, as to all proved May 30,1908. In effect civil employees of Aug. 1,1908. Amended 1911-12. the United States *ew act. No. 267, approved and of the Govern Sept. 7, 1916. In effect same ment of the District dale. Amended 1919; 1922,1824, of Columbia, except police and firemen having pension *D INSURANCE—Continued Special contracts Waivers forbidden.. Injuries covered Waiting time Per cent of wages 1 week., Personal ___ . . _________ ing outtf and in course of em ployment, unless due to willful intention to Injure self or an other, intoxication, or failure to use safety devices. Death, 15 to 45 per cent. Disability, 50 percent. Maximum and minimum weekly compensation payments Death [а) Dependents [б) No dependents Maximum period Death: Minimum basic 2G0 weeks.. wage, $5. Total dis ability: Maximum, $15, minimum, $0, or actual wages if ^ less. Partial disability: Maxi mum, $10. Maximum, $12, mini Death. 300 weeks. Total disability. 500 weeks. mum, $6. Partial (Usability, 300 weeks. expenses, maximum, 00; 15 to 45 per cent of wages %Burial for 260 weeks; minimum basic Personal injuries by accident aris 10 days. None if dis 50 per cent... ability continues ing out or and in course of em more than 0 weeks. ployment, unless duo to will ful misconduct, intent to injure self or another, intoxication, or willful failure to use safety ap pliances or obey safety rules. Monthly pension: Monthly pension: Death, Death, during life or until Waivers forbidden; hospital Personal injuries resulting from a 3 days.. remarriage of widow or $20. permanent total dis amounts not based fortuitous event, sustained on fund may bo maintained. invalid widower. Total ability, minimum $35; on wages. premises of plant or in course of disability, during its no fixed maximum. employment away from continuance. not deliberately self- ’ Approved schemes _____ ted. Waivers forbidden. t) Burial expenses, maximum, $100:50 per cent of wages for 300 weeks; maximum, $12, mini mum, $6; total not over $4,500. (6) Burial expenses, maximum, $150. Burial expenses, maximum. if single, $120 if married; $33 %a 100 month to widow or invalid widower until death or remar riage; and $12.50 for 1 child, $7.0.' for next youngest, and $5 toeach other child under 16; S250 «lditional to widow, (b) Burial ex penses, maximum, $100. Burial expenses, maximum, Death, monthly pen Disability: Maximum, $16, Death, during lifo or until (a)$150; widow or invalid widower, remarriage of widow or minimum, $8. sion. Disability, $30 a month until death or re invalid widower. Per 06ft per cent. marriage; $5 additional for each manent total disability child under 16. (5) Burial ex lifo. Temporary total penses, maximum, $150. disability, 78 weeks. Permanent partial disa bility, 310 weeks. Burial expenses, maximum, Maximum, $18.20; mini Permanent total disability, Insurance or other schemes Personal injuries growing out of 1 week. None if dis 65 per cent.. _00; cent of wages tc 1,000 weeks. %equal S 654 per mum, $0^3. ability continues for and incidental to employment, may provide added bene years' earnings, but more than 3 weeks. unlessintentionally self-inflicted fits. waivers forbidden. not to exceed a total disability Occupational diseases included. benefit: maximum annual earn ings, $1,400; minimum, $525 (6) Burial expenses, maximum $200, and 4 years' earnings,maxi mum, $1,00% to special depend ency fond. Benefit funds permitted Personal injuries sustained in 1 week.. course of and resulting fromem ployment, unless seu-intiictcd contribute and benefits or due to willful misconduct, equal thosc.ofact. Waivers disobedience to rules, intoxi forbidden. cation, or failure to use safety appliances. total disabil No provision....... Permitted if employer Waivers forbidden. No re Injuries sustained as a result of 7 days. None if disa Amounts not based Temporary ity: Monthly pension, bility continues for on wages. employment, unless due to cul duction of liability al does not contribute $50 to $90. Fixed lump moro than 21 days. pable negligence of employee or lowed. to State hind.’ sums in other cases. willful act of a third patty. Government can not No provision..... be sued. 1 Not provided for in compensation law. wage, $5; total not over $3,500; (^Burial expenses, maximum, Personal injuries sustained while 3 days. Compensa Death, 10 to cent. Dl„ tionbeginsonfourth in performance of duty unless 66% per cent. day after disability due to willful misconduct, in or exhaustion of sick tention to injure self or another, and annual leave. or intoxication, including any disease praximatciy caused by the employment. Dea t h : B a s i c wago, Death, during life or until remarriage of widow or m o n t h l y maximum, widower; other depend $100: minimum, $50. ents, 416 weeks. Disa Total disability: bility, during its conMonthly maximum, $66.67; minimum, $33.33, or actual wapes f less than $33.33. Partial dis ability: Monthly maxi mum, $66.67* (a) Burial expenses* maximum $150, lump sum of $2,000 t* widow or invalid widower; ato $120ayear for each boy under 1C or girl under 18; total not ove $3,G00. (6) Burial expenses maximum, $150. ■ Burial expenses, maximum and transportation; 35 pe %J100 cent of wages to widow or dt pendent widower until death c remarriage and 10 per cent fc each child under 18, not ovc 66K per cent in all; other d< pendents, 10 to 40 per cent fc not over 8 years; basic wagi maximum, $100 a month; min mum, $50. (6) Burial expenses maximum, $100 and transport* ton. Total disability (a) Permanent (ft; Temporary Medical and surgical aid Partial disability Nonrcsident alien beneficiaries Time for notice and claim (a) By whom administered (5) How claims are settled Accident reports required Acddcnt-preventlan work by—(e) Compensation commission. (6) Other 8goncios State All assenting emidoycrs must re-! (a) Commissioner of in- Vermont. (a) (6) 50 per cent of wages for 50 per cent of wage loss for not over Reasonable medical, surgical, and No provision... Notice as soonas practicable; port all injuries^of l_day's dls- ! dustries. (6) No provi 260 weeks; maximum, $15; mini claim in 6 months. hospital service /or 14 days, 2fl0 weeks: maximum, $10. Speci ability or requiring medical at-! mum $6, or actual wages if less fied injuries, 50 per cent of wages maximum, $100. Charges lim tendance to commissioner with by commissioner, appeal to courts. than $3; total not over§4,000. for fixed periods, in addition to ited to prevailing rates. in 72 hours; supplementary re temporary total; others propor port after each GO days or tei> tionate; maximum, $15, minimum, initiation of disability. $6 or full wages if less. Compensa tion for disfigurement. [a) (6) 50 per cent of wages for not 50 per cent of wage loss for not over Necessary medical, surgical, and $1,000 maximum ex Notice in 30 days. Claim In (a) Industrial commission, (b) Vol All employers must report all in (a) No provision. (5) Bu Virginia. reau of labor and indus juries of over 1 week's disability over 500 weeks; maximum, $12, untary agreement after 10 days ap lyear. 300 weeks; maximum, $12. Speci hospital service /or 90 days, cept to residents of trial statistics.1 to commission within 10 days; minimum, $6; total not over proved by commission; disputed Canada. fied injuries, 50 per cent of wages longer at option of employer, supplementary report after 60 $1,500. cases settled by commission or for fixed periods; maximum, $12, employee must accept unless days or upon termination of dis member thereof; reviewby full com minimum, $0. Disfigurement, not otherwiso ordered by commis ability. mission; appeal to courts. over 60 weeks. sion; charges limited to prevail ing rates. No provision; (b) Divi Washington. $35 a month if single* $40 if Proportionate amounts based upon Necessary medical, surgical, and One-half benefits; to Claim In 1 year..., (a) Division of industrial Insurance, All employees must report all acci (a)sion of safety;1 State dents to division of Industrial . or invalid husband, and (b) All questions relating tocompen parents only, unless loss of earning capacity; maxi hospital service and transporta mining board.1 insurance at once. $12.50 for one child. $7.50 for sation determined by division; ap mum, $2,400. Fixed sums for tion. Employees bear one-half treaty to contrary; next youngest, and $5 for each peal to courts. certain specified injuries. cost. nothing if law of other child under 16. If tem nation exdudes citi porary, above schedule increased zens of U n i t e d far first 6 months in certain casts. States. (a) 66K per cent of wages for life; If permanent, 66K per cent of wages Reasonable medical, soigical, and Widow, invaud wid Claim In 6 months; proof of (a) Compensation commissioner. (5) All employers must report any in (a) Commissioner may re West Virginia. quire e m p l o y e e s formation required by compen weekly maximum. $16, mini dependency in 9 months. Commissioner has tail power to de hospital treatment; maximum, for fixed periods; for life if over 85 ower, and children to adopt and post safety, sation commissioner for purpose mum, $8. (6) 66H per cent of termineall questionsrelatingtocom per cent of disability; weekly $800; in permanent disability only. rules, (b) Bureau of La of act upon request. wages for not over 52 weeks (78 pensation; appeal to courts. maximum, $10, minimum, $8. cases where disability can bo bor;1 Department of weeks in special cases); maxi materially reduced, special treat mum, $16, minimum, $3. ment up to $600. (a) Industrial commission, Wisconsin. (a) 65 per cent of wans for 260 to Specified major injuries, fixed per Reasonable medical, surgical, and Included.. Notice in 30 days; daim in (a) Industrial commission, (b) Vol AUcvm~~*~---- ----------(b) No provision. and insurers must report all 1,000weeks, depending on age of untary agreement approved by com 2 years. centages of total disability, speci hospital treatment for SOdays; ddents to commission within employee. Maximum, $18.20, mission; disputed cases settled by fied lesser injuries, 65 per cent of longer if disability periodcan be first 5 days of cach months minimum, $6.83. (6) 65 per commission; appeal to courts. wages for fixed periods, subject to decreased; also necessary arti cent of wages during disability; extension; others proportionate, ficial members. Ch r i s t i a n maximum, 4 years* earnings. based on SOper cent of schedule, Science treatment permitted Maximum annual earnings, all in addition to temporary total. unless employer refusesby filing $1,400, minimum, $525 Disfigurement, not to exceed one written notice. year's earnings. On loss of a major member, $150 must bo paid into second Injury fund. Wyoming. (a) Lump sum of $4,000 plus $120 Fixed lump sums for specified in In nonfatal coses, medical andhos One-third benefits; to Claim in 6 months, but if (a) Courts; fund supervised by State All emidoyers engaged in extra- (al No commission, inspector of mines.1 hazardous employments must a year for each boy under 10 or noticewas given within 20 juries, in addition to temporary treasurer. (A) Claims and disputed parents, widow and pital service: maximum, $300, report all accidents to district girl under 18; total not over cases settled by district courts of days, claim may be made total; others in proportion; maxiunless there is a hospital fund. children only. court within 20 days. $8,000. (6) $50 a month if single, within 9 months. county; appeal to supreme court. num, $1,500. $60 If married; $7.50 a month for each child under 16; maximum, $90; total not over S8.000. No provision, (b) Bu United States. (a) (6) 66ft per cent of wages 66K per cent of wage loss during Reasonable medical, surgical, and Included.. Notice in 48 hours, 1 year (a) United States Employees’ Com Immediato superiors must report (a)reau of Mines;1 Bureau such information as required by during disability; monthly maxi disability; monthly — 1-----for reasonablecause; claim pensation Commission. (5) Com hospital service, and transjwrof Standards;1 Intercommission immediately; sup mum, $66.67; minimum, $33.33, $66.67. for disability in 60 days, mission decides all questions arising tulion if necessary, for a reason * state Commerce Com plementary reports as required or actual wages if less than under act. 1 year for reasonable cause; able period unless emidoyee romission.1 by commission. $33.33. death, 1 year. 1 But employers having less than 3 employees lose defense of assumed risk If they do not elect 1005°—2Gt. (Face p. 72.) No. 6 TEXT OF WORKMEN’S COMPENSATION LAWS OF THE UNITED STATES ALABAMA CODE OF 1923 Compensation of workmen for injui'ies [Following are sections of the said code relating to violations of the work men’s compensation act.] S ection 3‘.)92. False verification of complaint.— [False statements in verifying complaints are punishable as perjury,] S kc. 8!H)3. Accepting compensation after dependency.— [Knowingly accept ing benefits after marriage or attaining the age of 18 or after disability has ceased is a misdemeanor.] S ecs. 3994-3996. Fraudulent claims9 etc.— [The knowing presentation of a fraudulent claim or fraud in making or perfecting a settlement or knowingly testifying falsely as to material facts are, as to the first two, misdemeanors, and as to the last, perjury.] Sec. 3997. False statements by physicians.— [Physicians knowingly making false statements or certifications as to compensation claimed are guilty of a misdemeanor.] Sr;es. 3998, 3999. Solicitation by attorney.— [Attorneys soliciting employment to act for a consideration in claims by employees or accepting claims that have been solicited by others, or who employ solicitors are guilty of a mis demeanor and are to be disbarred. It is also a misdemeanor for any person not authorized to practice as an attorney to solicit claims to be represented by him for a consideration.] Sec. 4000. False affidavits.— [Making false affidavits is perjury.] Swo. 4001. Soliciting insurance.— [Insurance companies and their repre sentatives must comply with the law as to filing their classifications of risks and premiums, and securing approval of their plan of business from the super intendent of insurance. Failure to comply is a misdemeanor.] Sec. 4002. Failure to make reports.— [Any willful failure to make written reports as required by the compensation law is a misdemeanor.] S ec. 4003. Accepting assignment of claims.— [Any person other than a bene ficiary who, for a consideration, takes or accepts an assignment from an em ployee of his claim or award for compensation or accepts the same as security or cakes power of attorney to collect the same for an interest therein is guilty of a misdemeanor.] [The following are the sections of the compensation act presented as part of the Civil Code.] Article 1 S ection 7534. Compensation payable, when.—When personal injury or death is caused to an employee by an accident arising out of and in the course of his employment, of which injury the actual or lawfully ijnputed negligence of the employer is the natural and proximate cause, he, or in case of death, his per sonal representative, for the exclusive benefits of the surviving spouse and pext of kin, shall receive compensation by way of damages therefor from the employer, provided the injury or death was not caused by the willful miscon duct of the employee or was not due to misconduct on his part, as defined in section 7544. Srocs. 7535-7537. Defenses.— [In proceedings under article 1, the common law defenses are excluded unless the negligence of the employee was willful, and so in an action at law against an employer rejecting article 2 : but if an employee rejects and sues an employer who has accepted article 2, such suit shall be at common law only, with all defenses available to the employer.] 73 74 w o r k m e n ’s COMPENSATION LAWS— UNITED STATES Secs. 7538, 7539. Scope.— [The provisions of secs. 7534-7537 apply to cases o f an employee’s death or personal injury under other statutes, and to minors, whether lawfully or unlawfully employed.] Sec. 7510. Contracts made within State.—When an accident occurs while the employee is employed elsewhere than in this State which would entitle him or his dependents to compensation had it happened in this State, the em ployee or his dependents shall be entitled to compensation under articles 1 and 2 of this chapter if the contract of employment was made in this State unless otherwise expressly provided by said contract, and such compensation shall be in lieu of auy right of action and compensation for injury or death by the laws of any other State. Sec. 7541. Burden of proof.—In all actions of law brought pursuant to article 1 of this chapter, the burden of proof to establish willful misconduct, or other misconduct as defined in section 7544 of the injured employees shall be upon the defendant. Sec. 7542. Attorney's fees.— [No part of the compensation payable under this act may be paid for legal services except on application by a claimant and approval by a judge of the circuit court, and may not exceed 10 per cent of the award.] Article 2 Section 7543. Scope of act.—Articles 1 and 2 of this chapter shall not be con strued or held to apply to any common carrier, doing an interstate business while engaged in interstate conimercc, or to domestic servants, farm laborers or persons whose employment at the time of the injury is casual, and not in the usual course of the trade, business, profession, or occupation of the em ployer or to any employer who regularly employs less than 16 employees in any one business, or to any county, city, town village, or school district. Any employer who regularly employs less than sixteen employees in any one busi ness of any county, city, town, village, or school district may accept the pro visions of articles 1 and 2 of this chapter by filing written notice thereof with the probate judge of each county in which said employer is located or does business, said notice to be recorded by the judge of probate for which he shall receive the usual fee for recording conveyances, and copies thereof to be posted at the places of business of said employers. Said employers who have so elected to accept the provisions of articles 1 and 2 of this chapter may at any time withdraw the acceptance by giving like notice of withdrawal. Tn no event nor under any circumstances shall articles 1 and 2 of this chapter apply to farmers and their employees. Sec. 7514. Effect of agreement.—If both employer and employee shall by agreement expressed or implied or otherwise as herein provided become sub ject to article 2 of this chapter, compensation, according to the schedules here inafter contained, shall be paid by every such employer in every case of personal injury or death of his employee caused by an accident arising out of and in the course of his employment, without regard to any question of negligence, except no compensation shall be allowed for any injury or death caused by the willful misconduct of the employee or by the employee’s intention to bring about the injury or death of himself or of another or due to his own intoxica tion or his willful failure or willful refusal to use safety appliances provided by the employer or due to the 'willful refusal or willful neglect, of the employee or servant to perform a statutory duty or due to any other willful violation of the law by the employee or his willful breach of a reasonable rule or regula tion of his employer of which rule or regulation the employee has knowledge. If the employer defends on the ground that the injury arose in any or all of the last above-stated ways, the burden of proof shall be on the employer to establish such defense. Secs. 7545, 7546. Remedy exclusive.— [Such agreement effects a surrender of other rights of action or recovery and is binding on survivors, personal repre sentatives, receivers, etc., and all other rights and remedies are barred; but criminal liability for violation of law is not affected.] Skcs. 7547, 7548. Klection.— [Contracts of employment are presumed to have been made with reference to this act unless otherwise expressly stated in writing, or unless written or printed notice to the contrary has been given by either party to the other. Employers* notices must be posted, and those by employees served on the employer. In either case, a copy must be filed with TEXT OF LAWS----ALABAMA 75 the probate judge of the comity. Acceptance or rejection may be terminated 011 30 days’ notice lo the other party, a copy, with proof of service, to be filed with the probate judge.] Sec. 7549. Minoru*— IMinors have the cuime pow er as adults as to election, settlements, and the receipt of compensation, subject lo the power of the court in its discretion, to require the appointment of a guardian.] S ec. 7550. Settlements.—The interested parties shall have the right to settle all matters of compensation and all questions arising hereunder between them selves, but all {settlements made hereunder must be in amount substantially the same as the amounts or benefits stipulated in this article, unless a judge of the circuit court of the county where the claim for compensation under this chapter is entitled to be made or upon the written consent of ibe parties a judge of the circuit court 01* a judge of the probate court of any county deter mines that it is for the interest of the employee to accept a le:-wer sum and approves such .settlement. Any settlements hereunder may be vacated for fraud, undue influence or coercion upon application made to the judge approv ing the settlement at any time not later than six months after the date of the settlement. T'pon such settlements being approved judgment shall be rendered thereon and duly entered 011 the records of said court in the same manner and to have the same effect as other judgments or as an award if the settlement is not for a lump sum. The costs of the proceedings which shall not exceed $2, shall be borne by the employer. Ail moneys voluntarily paid by the em ployer 01* insurance carrier to an injured employee in advance of agreement or award or under an approved or vacated agreement or award shall be treated as advance payments 011 account of the compensation due. S ec. 7551. Temporary total disability.— Following is the schedule of compen sation: (a) For injury producing temporary total disability. 5<j per cent of the average weekly earnings received at the time of injury, subject io a maximum compensation of #12 per week, except as otherwise provided herein, and a mini mum of #5 per week, but if at the time of injury the employee receives average weekly earnings of less than Jj>5 per week, then he shaii receive the full amount of such average weekly earnings per week. This compensation shall be paid during the time of such disability, not, however, beyond 300 weeks. Payments to be mode at the intervals when the earnings were payable, as nearly as may be. (b) Partial disability.—In all cases of temporary partial disability the com pensation shall be 50 per cent of the difference between the average weekly earnings of the workmen at the time of the injury and the average weekly earnings he is able to earn in his partially disabled condition. This com pensation shall be paid during the period of such disability, not. however, beyond £00 weeks, payments to be made at the intervals when Ilie earnings were payable as nearly as may be and subject to the same maximum as stated in subsection (a). If the injured employee who is receiving such compensa tion for temporary partial (Usability should leave the employment of the employer by whom he was employed at the time of the accident for which such compensation is being paid, he shall, upon securing employment else where. give to such former employer an allidavit iu writing containing the name of his new employer, the place of the employment, and the amount of wages being received at such new employment, and until he gives such affidavit the compensation for temporary partial disability shall cease. The employer by whom such employee was employed at the time of the accident for which such compensation is being paid may also at any time demand of such employee, additional affidavit in writing containing the name of his employer, the place of his employment and the amount of wages he is receiving and if the employee, upon such demand, fails or refuses to make and furnish snch affidavit his right for compensation for temporary partial disability shall cease until such affidavit is made and furnished. (c) Schedule for apceiflcd Injuries.—For permanent partial disability the compensation shall be based upon the extent of such disability. In cases included by the following schedule the compensation shall be that named in the schedule, to wit: For the loss of a thumb, 50 per cent of the average weekly earnings during 60 weeks. For the loss of a first finger, commonly called index linger, 50 per cent of the average weekly earnings during 35 weeks. For the loss of a second finger, 50 per cent of the average weekly earnings during 30 weeks. For the loss of a third finger, 50 per cent of the 1965°—26----- 6 76 w o r k m e n 's COMPENSATION LAWS— UNITED STATES average weekly earnings during 20 weeks. For the loss of a fourth finger, commonly called little linger, 50 per cent of the average weekly earnings dur ing 15 weeks. The loss of the first phalange of the tiiuuib. or of any finger, shall be considered as equal to the loss of one-half of such thumb or finger, and compensation shall be paid at the prescribed rate during one-half of the time specified above for such thumb or finger. The loss of two or more phalanges shall be considered as the loss of (he entire finger or thumb; but iu no case shall the amount received for more than one finger exceed the amount provided in this schedule for the loss of a hand. For the loss of a grout too. 50 per cent of the average weekly earnings during 30 weeks. For’ the Joss of one of the toes other than Hie great toe, 50 per cent of the average weekly earnings during 10 weeks. The loss of the first phalauge of any toe shall be considered to be equal to the loss of one-half of such toe. and compensation shall be paid at the prescribed rate during one-hulf the time prescribed above for such too. The loss of two or more phalanges .shall be considered as the loss of the entire toe. For the loss of a hand. 50 per ceut of the average weekly earnings during 150 weeks. For the loss of an arm, 50 per cent of the aver age weekly earnings during 200 weeks. For the loss of a foot, 50 per cent of the average weekly earnings during J25 weeks. Fur the loss of a leg 50 per cent of the average weekly earnings during 175 weeks. For the leys of an eye. 50 per cent of the average weekly earnings during 100 weeks. For the com plete and permanent loss of hearing in both ears, 50 per cent of the average weekly earnings during 150 weeks. For the loss of an eye and a leg, 50 per cent of the average weekly earnings during 350 weeks. For the loss of an eye and an arm, 50 per cent of the average weekly earnings during 350 weeks. For the loss of an eye and a hand, 50 per cent of rlie average weekly earnings dur ing 325 weeks. For the loss of an eye and a foot, 50 per cent of the average weekly earnings during 300 weeks. For the loss of two arms other than at the shoulder, 50 per cent of the average weekly earnings during 400 weeks. For the loss of two hands. 50 per cent of the average weekly earnings during 4(H) weeks. For the loss of two legs, 50 per cent of the average weekly earnings during 400 weeks. For the loss of two feet, 50 per cent of the average weekly earnings during 400 weeks. For the loss of one arm and the other hand. 50 per cent of the average weekly earnings during 400 weeks. For the loss of one hand and one foot, 50 per cent of the average weekly earnings during 400 weeks. For the loss of one leg and the other foot. 50 per cent, of the average weekly earnings during 400 weeks. For the loss of one leg and one hand, 50 per cent of the average weekly earnings during 400 weeks. For the loss of one arm and one foot. 50 per cent of the average weekly earnings during 400 weeks. For the loss of one arm and one leg, 50 per cent of the average weekly earnings during 400 weeks: Concurrent injuries^ Where an employee sustains concurrent injuries resulting in concurrent disabilities he shall receive com pensation only for the injury which produced the longest period of disability, but this section shall not effect liability for the concurrent loss of more than one member, for which member compensation is provided in the specific schedule in subsection (d) below: Loss of w*e, In all cases the permanent and total loss of the use of a member shall be considered as equivalent to the loss of that member, but in such cases the compensation in and by said schedule shall be in lieu of all other compensations. In cases of permanent disability due to injury to a member resulting in less than total loss of use of such mem ber not otherwise compensated in this schedule, compensation shall be naid at the prescribed rate during that part of the time specified in the schedule for the total loss or total loss of use of the respective member, whirli the extent of the injury to the member bears to its total loss: Refuting employ ment, If an injured employee refuses employment suitable to his capacity, offered to or procured for him, he shall not be entitled to any compensation at any time during the continuance of such refusal, unless at any time in the opinion of the judge of the circuit court of the county of his residence such refusal is justifiable. All compensations provided in clause (r) of this section for loss of members, or loss of use of members, are subject to the same limita tions as to maximum and minimum as are stated in clause (a). In all other cases of permanent partial disability not above enumerated, the compensation shi'll he 50 per cent of the difference between the average weekly earnings of the workman at fhe time of the injury and the average weekly earnings he is able to earn in his partially disabled condition, subject to a maximum of $12 per week as otherwise provided herein. Compensation shall continue dur ing disability, not, however, beyond 300 weeks. In case the injured employee leaves the services of the employer for whom he was working at the time of TEXT OP LAWS— ALABAMA 77 the accident and accepts employment elsewhere lie shall mnk? and furnish affidavit as to his new employment in the manner as required in subsection (h) hereof. (d) Permanent total disability.—For permanent total disability as defined iu subsection (c) 50 per cent of the average weekly earnings received at the time of the injury subject to a maximum compensation of $12 per week except as otherwise provided herein and a minimum compensation of $3 per week. If ac the time of injury the employee was receiving earnings of less than $3 per week, then he shall receive the full amount of his earnings per week. This compensation shall be paid during such permanent total disability, not exceeding 5f>0 weeks; but in all such cases drawing more compensation chan $5 per week, the payment after the first 400 weeks .shall be red-.iced to $5 per week for the remainder of the 550 weeks, while the permanent total disability continues; payment to be made at the intervals when the earnings were payable as nearly as may be. Such payments with the approval of i circuit judge may be made monthly or quai-re.iy. The total amount of com pensation payable under this subsection shall not exceed $5,000 in any ease. In case an employee, who is permanently and totally disabled becomes an inmate of a public institution, then no compensation shall be payable unless he has wholly dependeut on him for support a person or persons named in subsection (1), (2), and (3) of sections Y552, 7558, whose dependency shall be determined as if the employee were deceased, in which case the compensa tion provided for in this subsection shall be paid for the benefit of such person so dependent, during dependency, in the manner ordered by the court, while the employee is an inmate of such institution. (e) The total and permanent loss of the sight of both eyes, or the loss of both arms at the shoulder, or complete and permanent paralysis or total and permanent loss of mental faculties, which totally incapacitates the em ployee from working at an occupation which brings him an income shall constitute permanent total disability. ( .) 3. Second injuries.—If an employee has a permanent disability or has previously sustained another injury than that iu which he received a subse quent permanent injury by accident such as is specified in the sections herein defining permanent injury he shall be entitled to compensation only for the degree of injury that would have resulted from the latter accident if the earlier disability or injury had not existed. (c) l l/o. If an employee has previously lost the sight of one eye or lost one leg or lost one arm, and thereafter in the same employment or in the employment of another he should by accident receive additional injuries so as to proximately cause the loss of the sight of both eyes or the loss of both legs or the loss of both arms said employee shall receive three-fourths of the amount provided hereunder for one who has received a permanent total disability and there shall be credited on said three-fourtlis amount any pay ments which said employee had received or may receive for his first disability. 2. For permanent total disability other than as defined hi subsection {e) 50 per cent of the average weekly earnings received at the time of injury subject to a maximum compensation of $12 per week and a minimum com pensation of $5 per week; but if at the time of injury the employee was receiving earnings of less than $5 per week, then he shall receive the full amount of his earnings per week. This compensation shall be paid during the period of such permanent disability not exceeding 400 weeks; payments to be made at the intervals when the earnings were payable as nearly as may be. Such payments with the consent of the circuit judge may be made monthly or quarterly. (e) 3. If an employee received an injury for which compensation is payable while he is still receiving or entitled to compensation for a previous injury in the same employment, he shall not at the same time be entitled to compensa tion for both injuries, unless the later injury be a permanent injury, such as specified in section 13; but he shall be entitled to compensation for that injury and from the time of that injury which will cover the longest period and the largest amount payable under articles 1 and 2 of this chapter. (e ) 4. If an employee receives a permanent injury as specified in this section after having sustained another permanent injury in the same employment, he shall be entitled to compensation for both injuries, but the total compensation shall be paid by extending the period and not by increasing the amount of 78 w o r k m e n ’s COMPENSATION LAWS— UNITED STATES weekly compensation, and in 110 case exceeding 500 weeks. When the previous and subsequent permanent injuries received in the same employment result in total disability compensation shall be payable for permanent total disability, but payments made for the previous injury shall be deducted from the total payment of compensation due. if) Subsequent death.— In case a workman sustains an injury occasioned by an accident arising out of and in the course of his employment and during the period of disability caused thereby death results proximately therefrom, all payments previously made as compensation for such injury shall be deducted from the compensation, if any, due on account of death. (f) 1. Hernia.—In all claims for compensation for hernia resulting from injury by an accident arising out of and in the course of his employment it must be definitely proved to the satisfaction of the court: First. That there was an injury resulting in hernia. Second. That the hernia appeared suddenly. Third. That it was accompanied by pain. Fourth. That the hernia immediately followed an accident. Fifth. That the hernia did not exist prior to the accident for which compen sation is chiimed. All hernia, inguinal, femoral, or otherwise, so proved to be the result of an injury by accident arising out of and in the course of the employment shall be treated in a surgical manner by radical operation. In case the injured employee refuses to undergo the radical operation for the cure of said hernia, no com pensation will be allowed during the time such refusal continues. If, however, it is shown that the employee has some chronic disease, or is otherwise in such physical condition that the court considers it unsafe for the employee to undergo said operation, the employee shall be paid as otherwise provided in this chapter. (ff) Wage basis.—Compensation hereunder shall be computed 011 the basis of the average weekly earnings. “ Average weekly earnings " shall mean the earn ings of the injured employee in the employment in which he was working at the time of the injury during the period of 52 weeks immediately preceding the date of the injury divided by 52; blit if the injured employee lost more than seven consecutive calendar days during such period although not in the same week, then the earnings for the remainder of such 52 weeks shall be divided by the number of weeks remaining after the time so lost has been deducted. Where the employment prior to the injury extended over a period of less than 52 weeks, the method of dividing the earnings during that period by the number of weeks and parts thereof which the employee earned wages shall be followed, provided results just and fair to both parties will thereby be obtained. Where by reason of the shortness of the time during which the employee has been in the employment of his employer, or the casual nature or terms of the employ ment, it is impracticable to compute the average weekly earnings as above defined, regard shall be had to the average weekly amount, which during the 52 weeks prior to the injury was being earned by a person in the same grade, employed at the same work by the same employer, and if there is no such ]>erson so employed, by a person in the same grade employed in the same class of employment in the same district Wherever allowance of any character made to an employee in lieu of wages are specified as part of the wage contract, they shall be deemed a part of his earnings. (h) Additional allowance for children.— Wherever in this section there is a provision for 50 per cent such per cent shall be increased 5 per cent for each totally dependent child of the employee under the age of 18 years at the time of the injury to the employee until such per cent shall reach a maxi mum of 60 per cent. Wherever in this section a weekly maximum compen sation of $12 is provided such maximum compensation shall be increased in the following cases to the following amounts: Thirteen dollars in case of an employee with one totally dependent child under the age of 18 years at the time of the injury to the employee. Fourteen dollars in case of an employee with two totally dependent children under the age of 18 years at the time of the injury to the employee. Fifteen dollars in case of an employee with three or more totally dependent children under the age of* 18 years at the time of the injury to the employee. The increase in the above per cent and in the maximum amount shall be paid only so long as the child upon which the in crease is based remains under the age of 18 years. Sec. 7552. Dependents.—For the purposes of this chapter the following de scribed persons shall be conclusively presumed to be wholly dependent: TEXT OF LAWS— ALABAMA 79 (a) Wife, unless it be known that she was voluntarily living apart from her husband at the time of his injury or death or unless it be shown that she was not married to the deceased at the time of the accident or for a reasonable period prior to his death, or unless it be shown that the husband was not in any way contributing to her support. (b) Children between 10 and 18 years of age or those over 18, if physically or mentally incapacitated from earning shall prima facie be considered de pendent. Sec. 7553. Total dependents.—Wife, child, husband, mother, father, grand mother, grandfather, sister, brother, mother-in-law, and father-in-law who were wholly supported by the deceased workman at the time of his death and for a reasonable period of time immediately prior thereto shall be considered his total dependents, and payment of compensation shall be made to them in the order named. Sec. 7554. Partial dependents; death benefits.—Any member of a class named in the preceding section, who regularly derived part of his support from the earn ings of the deceased workman at the time of his death and for a reasonable period of time immediately prior thereto, shall be considered his partial de pendent and payment of compensation shall be made to such partial dependents in the order named. In death cases, where the death results proximately from the accident within three years, compensation payable to dependents shall be computed on the following basis and shall be paid bo the persons entitled there to without administration. If the deceased employee leave a dependent widow or dependent husband and no dependent child, there shall be paid to the widow’ 30 per cent of the average weekly earnings of deceased. If the de ceased employee leave a dependent widow or dependent husband and one de pendent child, there shall be paid to the widow for the beneiit of herself and such child 40 per cent of the average weekly earnings of the deceased. If the deceased employee leave a dependent widow or dependent husband and either two or three dependent children, there shall be paid to the widow for the benefit of herself and such children 50 per cent of the average weekly earnings of the deceased. If the deceased employee leave a dependent widow or de pendent husband and four or more dependent children, there shall be paid to the widow for the benefit of herself and such children 00 per cent of the average weekly earnings of the deceased. In all cases where compensation is payable to a widow for the benefit of herself and dependent child or children the court shall have power to determine in its discretion what portion of the compensation shall be applied for the benefit of any such child or children and may order the same paid to a guardian. Seo. 7555. Remarriage.—In case of remarriage of a widow of an employee who had dependent children, the unpaid balance of compensation, which would otherwise become due to her, shall be paid to such children. Sec. 7550. Dependents.—If the deceased employee leave a dependent orphan, there shall be paid 30 per cent of the average weekly earnings of deceased, with 10 per cent additional for each additional orphan with a maximum of 00 per cent of such wages. If the deceased employee leave a dependent husband and no de pendent child, there shall be paid to the husband 25 per cent of the average weekly earnings of the deceased. If the deceased employee leave no widow or child or husband entitled to any payment hereunder, but should leave a parent or pa rents, either or both of whom are wholly dependent on the deceased, there shall be paid if only one parent, 25 per cent of the average weekly earnings of the deceased and if both parents, 35 per cent of the average weekly earnings of the deceased to such parent or parents. If the deceased leave no dependent widow or dependent child or husband or parent entitled to any payment here under, but leaves a grandparent, brother, sister, mother-in-law or father-in-law wholly dependent on him for support, there shall be paid such dependent, if but one, 20 per cent of the average weekly earnings of the deceased, or if more than one, 25 per cent of the average weekly earnings of the deceased, divided between or among them share and share alike. If compensation is being paid under article 2 of this chapter to any dependent, such compensation shall cease uinm the death or marriage of such dependent, and the dependency of a child shall terminate with the age of 18 unless otherwise provided herein. Partial depend ents shall be entitled to receive only that proportion of the benefits provided for actual dependents which the average amount of the earnings regularly con tributed by the deceased to such partial dependent, at and for a reasonable time immediately prior to the injury, bore to the total income of the dependent during the same time. 80 w o r k m e n 's COMPENSATION LAWS— UNITED STATES Sec. 7557. Burial, etc.—In all cases where death resulted to an employee caused by an accident arising out of and in the course of his employment the employer shall pay, in addition to the medical and hospital excuses provided for in section 7507 the expense of last sickness, and burial, not exceeding in amount $100, except in cases where an insurer of the deceased or a benefit association is liable therefor, or for a part thereof, in such case the employer shall not be required to pay any part of such expense, for which such insurer or benefit association is liable unless such nonpayment by the employer would diminish the benefits received by the dependent of the deceased from any such insurer or benefit association. In case dispute arises as to the reasonable value of the services rendered in connection with the last sickness and burial, the game shall be approved by the court before payment, after such reasonable notice to interested parties as the court may require. If the deceased leaves no dependents no compensation shall be payable, except as provided by this subsection. Sec. 7558. Limitation on payments.—The compensation payable in case of death wholly dependent shall be subject to maximum compensation of $12 per week and a minimum of $5 per week; but if at the time of injury the employee receives earnings of less than $5 per week, then the compensation shall be the full amount of such earnings per week. The compensation payable to partial dependents shall be subject to a maximum of $12 per week and a minimum of $5 per week; if the income loss of the said partial dependents by such death is less than $5 per week, then the dependents shall receive the full amount of their income loss. This comr>ensation shall be paid during dependency not exceeding 800 weeks, payments to be made at the interval when the earnings were payable as nearly as may be. Sec. 7559. Orphans.—In computing and paying compensation to orphans or other children, in all cases, only those under 18 years of age. or those over 18 years of age, who are physically or mentally incapacitated from earning, shall be included; the former to receive compensation only during the time they are under 18. the latter for the time they are so incapacitated, within the period of 300 weeks. Sec. 7500. Total dependent*.—Total dependents shall be entitled to take com pensation in the order named in section 7553 above, until the per cent of the average weekly earnings of the deceased during the time and as specified in section 7558 shall have been exhausted; but the total compensation to be paid to all total dependents of a deceased employee shall not exceed in the aggregate $12 per week, except as otherwise provided herein. Sicc. 7501. Preexisting conditions.—If the degree or duration of disability resulting from an accident is increased or prolonged because of a preexisting injury or infirmity the employer shall be liable only for the disability that would have resulted from the accident had the earlier injury or infirmity not existed. Sec. 7562. Additional allowance for children.—Wherever in the nine preced ing sections there is a provision for 50 per cent such per cent shall be increased 5 per cent for each totally dependent child of the deceased employee under the age of 18 years at the time of the death of the employee until such per cent shall reach a maximum of 60 per cent. Wherever in the nine preceding sections a weekly maximum compensation of $12 is provided such maximum compensa tion shall be increased in the following cases to the following amounts: Thir teen dollars in case the deceased employee leaves one totally dependent child under the age of 18 years at the time of the injury to the deceased employee. Fourteen dollars in case the deceased employee leaves two totally dependent children under the age of 18 years at the time of the injury to the deceased employee. Fifteen dollars in case the deceased employee leaves three or more totally dependent children under 18 years of age at the time of the injury to the deceased employee. The increase in the above per cent and in the maximum amount shall be paid only so long as the child upon which the in crease is based remains under the age of 38 years. Sec. 7563. Limit on payments.—In no case hereunder except as otherwise provided herein shall the compensation paid hereunder be more than $12 per week, nor less than $5 per week, and in no case shall the total amount of com pensation exceed $5,000. Sec. 7564. Payments.—If compensation is being paid under this article to any dependent, such compensation shall cease upon the death or marriage of such dependent. Where compensation is being paid under this chapter to any de TEXT OF LAWS— ALABAMA 81 pendent, in no event shall sueli dependents receive more than the proportion which the amount received of the deceased employee's income during his life bears to the compensation provided hereunder. Sec. 7565. Joint employers.—In case any employee for whose injury or death compensation is payable under article 2 of this chapter shall, at the time of the injury, be employed and paid jointly by two or more employers subject to this chapter, such employers sliftll contribute the payment of such compensation in the proportion of their several earnings liability to such employee. If one or more but not all of such employers should be subject to article 2 of this chapter, and otherwise subject to liability for compensation hereunder, then the liability of such of them as are so subject, shall be to pay the proportion of the entire compensation which their proportionate earnings liability bears to the entire earnings of the employee. Nothing in this section shall prevent any arrangement between such employers for a different distribution, as between themselves, of the ultimate burden of such compensation. Skc. 7560. n ait ing time.—In ease of temporary total or temporary partial disability no compensation shall be allowed for the first two weeks after dis ability except as provided by section 7567, nor in any case unless the employer has actual knowledge of the injury or is notified thereof within the period specified iu section 7568. Compensation shall begin with the third week and in ihe event the disability from the injury exists for a period as much as four weeks’ compensation for the first two weeks after the injury shall be added to and payable with the first installment due the employee after the expira tion of the four weeks. Skc. 7*507. Medical, etc., aid.—In addition to the compensation herein pro vided the employer shall pay the actual cost of reasonably necessary medical and surgical treatment and attention, medicine, medical, and surgical supplies, crutches and apparatus, as may be obtained by the injured employee during the first 60 days of disability, or in case of death within said 60 days, obtained during the period occurring between the time of the injury and his death therefrom. The total liability of the employer under this section shall not exceed the aggregate of $.100, and further, that the pecuniary liability of the employer for such services rendered the employee shall be limited to such charges as prevail for similar treatment in the community where the injured employee resides. All cases of dispute as to the value of such services shall be determined by the tribunal having jurisdiction of the claim of the injured employee for compensation. Except in an emergency it is necessary, or in the event medical and surgical service and attention is not readily obtainable, under contract for same; or the employer does not promptly furnish the same, as hereinafter provided, if the employer shall furnish, free of charge to the injured employee such medical and surgical treatment and attention, medical and surgical supplies, crutches and apparatus, he shall not be liable under this section, except for that he may fail to furnish, and in the event the injured employee obtains the same under a contract between him and another, or the employer, existing at the time of the injury, the employer shall be liable to pay, or repay, as the case may be, only the cost of the same under the terms of said contract, but in no event to exceed the aggregate of $100 as hereinabove provided. The employer may. if he so elects, furnish prot>er and efficient, medical and surgical treatment and attention and services herein pro vided for, free of charge to the injured employee during such 60 days or such time thereafter as he desires to furnish the same, and such employee shall acifept the same. The injured employee must submit himself to the examina tion by the employer’s physician at all reasonable times if requested to do so by the employer, but the employee shall have the right to have a physician of his own selection present at such examination, in which case the employee shall be liable to such physician, for his services. The employer shall pay for the services of the physician making the examination at the instance of the employer. And in case of dispute as to the injury, the court may, at the instance of either party or of its own motion, appoint a neutral physician of good standing and ability to make an examination of the injured person and report his findings to the court, the expense of which examination shall be borne equally by the parties. If the injured employee refuses to comply with any reasonable request for examination, or refuses to submit to medical and surgical treatment and attention or refuses to accept the medical service which the employer elects to furnish under the provisions of this act, his right to compensation shall be suspended, and no compensation shall be payable for 82 w o r k m e n 's COMPENSATION LAWS— UNITED STATES the period of such refusal. Any physician whose services are furnished or paid for by the employer, or any physician of the injured employee, and who treats or makes or is present, at any examination of an injured employee may be required to testify as to any knowledge by him in the course of such treat ment or examination as same relates to the injury or disability arising there from. In all death claims where the cause of death is obscure or is disputed, any interested party may require an autopsy, the cost of which is to be borne by the party demanding the same. Sec. 7568. Notice of accident.—Every injured employee or his representative shiiil within live days after the occurrence of an accident give or cause to be given to the employer written notice of the accident and the employee if he fails to give such notice shall not be entitled to physicians or medical fees nor any condensation which may have accrued under the terms of articles 1 and 2 of this chapter unless it can be shown that the party required to give such notice had been prevented from doing so by reason of physical or mental in capacity, other than minority, or fraud, or deceit, or equal good reason, but no eomr>ensation shall be payable unless such written notice is given within 90 days after the occurrence of the accident, or where death results within 90 days after the accident. Sec. 7569. Nervicc of notice.— rNotice may be served personally or by reg istered mail, substantially in the form prescribed.] Sbc. 7570. Limitations.— [Claims are forever barred unless an agreement is made or a verified complaint filed within one year after the accident, or. in ca<e of death, within one year after the death resulting proximately from the accident within three years thereafter. If compensation payments have been made the limitation runs from the last payment. In case of mental or physical incapacity other than minority, the period of limitation dates from its cesi-atian. I Sec. 7571. Disputes.— [Disputes are within the jurisdiction of the circuit courts of the county that would have jurisdiction of a civil case iu tort between the parties, to be heard and determined in n summary manner. Appeals may be taken to the supreme court by certiorari within 30 days.] Sec. 7572. Alien beneficiaries.— [Compensation for the death of an employee shall be paid only to dependents who at the time of the death of the injured employee were actually residents of the United States. No right of action to recover damages for the death of an employee shall exist in favor or for the benefit of any person who was not a resident of the United States at the time of the death of such employee.] S«o. 7573. Lump sums.— rThe amounts of compensation payable periodically hereunder, either by agreement of the parties, approved by the court, or by decision of the court, may be commuted to one or more lump sum payments, except compensation due for death or permanent total disability, or for permanent partial disability resulting from total loss of hearing or from the loss of an arm or a hand or a foot or a leg or an eye or more than one such member. These may be commuted oirty with the consent of the circuit court. In making such commutations, the lump sum payments shall, in the aggregate, amount to a sum equal to the present value of all future installments of com pensation calculated on a 6 per cent basis.] Sec. 7574. Rcrieic of awards.— [All amounts paid by the employer and re ceived by the employee or his dependents under settlements made under section 7549, shall be final: but the amount of any award payable periodically for more than six months may be modified as follows: (« ) At any lime by agree ment of the parties and approved by the court, (ft) If the parties can not agree, then at any time after six months froip the date of the award an ap plication may be made to the court by either party on the ground of increase or decrease of incapacity due solely to the injury. In such case the same procedure shall be followed as in section 7549 in ease of disputed claim for compensation.) S ec. 7575. Payment to trustee.— [After award made or agreed upon, the employer may deposit the present worth of the same, calculated on a 0 per cent basis, in an approved bank, to be held in trust for the beneficiaries and paid as the law provides, such action to relieve the employer of further liability. If a beneficiary's right terminates before the sum is exhausted, the balance reverts to the employer.] S ecs. 7576-7583. Remedies, procedure, etc.— [These sections provide remedies in ease of an employer’s default in payments, declare a preference for awards TEXT OF LAWS----ALABAMA 83 the same as for wage debts, prescribe procedure in cases of dispute, authorize an allowance of eo.>ts, and prescribe methods of payment of judgments and of recording their discharge. No costs will be allowed if an employer has made a written offer of compensation prior to the commencement of action, in terms according with the provisions of the act.] Sec. 7584. Insurance.— [The employer may insure his liability to pay com pensation in any approved stock or mutual insurance company or reciprocal exchange or association, to cover all employees or only certain classes or risks. Provisions of policies are prescribed, one being the giving of an equitable lien to the injured workman 011 amounts due under the policy, and making the com pany directly liable in case of the employer’s insolvency. Companies are to file rates, submit reports, and conform to the requirements of the State super intendent of insurance. Employees may not contribute to costs of insurance unless there is provision for other benefits than those fixed by this act. If the employer posts notices of full insurance in an approved company, suits and actions for injuries shall be brought directly against such company, and the employer is released from liability; but if the insurance company becomes insolvent or (ran not be reached by due diligence by process in the State, the employer is not. released, and is in any case liable for any recovery in excess of the amount of insurance carried.] Sko. 7585. Evading provisions of act.— (1) Any person who creates or carries into operation any fraudulent scheme, artifice, or device to enable him to execute work without himself being responsible to the workman for the pro visions of this act, shall himself be included in the term “ employer,” and be subject lo all the liabilities of employers under this chapter. But rliis section shall not be construed to cover or mean an owner who lets a contract to a contractor in good faith, nor to a contractor who, in good faith, lets to a sub contractor a portion of his contract; but no person shall be deemed a contractor or subcontractor so as to make him liable to pay compensation within the mean ing of this section, who performs his work upon the employer's premises, and with the employers’ tools or appliances and under the employer's direction; nor one who does what is commonly known as “ piecework,” or in any way where the system of employment used merely provides a method of fixing the work man's wages. (2) When compensation is claimed from, or proceedings taken against, a person under subdivision 1 of this sod ion, the compensation shall be calculated with reference to the wage the workman was receiving from the person by whom he was immediately employed at the time of the injury. (3) The employer Khali not be liable or required to pay compensation lor injuries due to the acts or omissions of third persons not at the time in the service of the employer, nor engaged in the work in which the injury occurs, except as provided in the succeeding section. S ecs. 7580,7587. Third-party injuries.— [If a party other than the employer is liable for injuries or death of an employee, and such party is himself under this act. the injured man, or his dependents, in case of death, may sue such third party, or make claim against the employer. Liability to damages shall be in a sum within the terms of this act. and if a claim is made against the employer, he is subrogated to the rights of the workman or his dependents. If such third party is not under the compensation act, he may be sued notwith standing recovery of the award against the employer, but the employer is entitled to deduct from the compensation payable by him any sum obtained as a judgment 011 the suit. An employer from whom compensation has been claimed may proceed either in his own name or in the name of the employee to recover damages against such third party, any excess over the compensation award, costs, etc.. to go to the injured employee or his dependents.] Sec. 7588. Rules.— [The chief justice of the supreme court is to make rules for the guidance of circuit courts and judges.] Sec. 7589. Commissioner.— [See eh. 464, Acts of 1923, below.] Sec. 7590. Forms, etc.— [The compensation commissioner is to prepare and supply needed blank forms and literature for employers and employees.] Sec. 7591. Records of accidents.—Every employer shall hereafter keep a record of all injuries, fatal or otherwise, for which compensation is claimed or paid, received by his employees in the course of their employment, on blanks approved by the compensation commissioner of the State. Within 15 days after the occurrence and knowledge thereof by the employer of an injury to an employe, causing his absence from work for more than 14 days, for which compensation is claimed or paid a report shall be made in writing and mailed 84 WORKMEN#S COMPKNSATfON LAWS— UNITED STATES to the compensation commissioner of the Stato on blanks to be procured from such commissioner for this purpose. Sec. 7592. Settlements to be reported.—Such employer shall within 10 days after the settlement of any cause make a report in writing giving the details of such settlement and mail the same to the compensation commissioner on blanks to be procured from the commissioner for such purpose. Sec. 7593. Courts to make reports.—The clerk of the circuit court shall, within 10 days after the disposition of any case in his court, make a report in writing, giving the details of such disposition, and mail the same to the compensation commissioner of Alabama on blanks to be procured from the commissioner for such purpose. Sbc. 7594. Supplementary reports.—Upon the termination of the disability of the injured employee, or if the disability extends beyoud a period of 60 days, then also at the expiration of such period, the employer shall make a supple* mentary report to the compensation commissioner of the State on blanks to be procured from the commissioner for such purpose. Sec. 7595. Report to legislature.— [The compensation commissioner is directed to report 44to the next regular session of the legislature ” the operations of the act, from the records of the .superintendent ot* insurance and other reports, Fucli information as he may obtain.] S ec. 7590. Words and phrases defined.—Throughout articles 1 and 2 of this chapter the following words and phrases as used therein shall be considered to have the following meaning, respectively, unless the context shall clearly indicate a different meaning in the connection used, (a) The word 44com pensation ” has been used both iu article 1 and article 2 of this chapter ro indicate the money benefits to be paid on account of injury or death. Strictly speaking, the benefit which an employee may receive by action at law under article 1 of this chapter is damages, and this is indicated in section 7534. To avoid confusion, the word 44compensation ” has been used in articles 1 and 2 of rhe chapter, but it should be understood that under article 1 the compensa tion by way of damages is determined by an action at law. ( b) 44Child” or 44children” includes posthumous children and all other children entitled by law to inherit as children of the deceased, also stepchildren who were mem bers of the family of the deceased at the* time of his accident and dependent upon him for support, (f?) A dependent child or orphan shall be considered to mean an unmarried child uuder the age of 18 years, or one over that age who is physically or mentally incapacitated from earning, (d) The term 44employer ” as used herein shall mean every person not excluded by section 7543, who employs another to perform a service for hire and to whom the 44employer ” directly pays wages, and shall include any person or corporation, copartnership, or association, or group thereof, and shall, if the employer is insured, include his insurer as far as applicable and snail not include one who employs a less number than 16 in any one business. (<?) The term 44physi cian ” shall include 44surgeon,” and in either case shall mean one authorized by law to practice his profession within one of the United States and in guo*l standing in his profession at the time, if) The term 44workman” shall in clude the plural and all ages and both sexes, (j/) The term 44employee** and 44workman ” are used interchangeably and have the same meaning throughout, this chapter, and shall be construed to mean the same. (7<) The terms 44wages,” “ weekly wages,” and such expressions shall in all cases, unless the context clearly indicates a different meaning, be construed to mean "average weekly earning.” Every person not excluded by section 75*3, in the service of another under any contract of hire, express or implied, oral or written, including aliens, and also including minors who are legally per mitted to work under the laws of the State. Any reference herein to a work man or employee shall where the employee is dead include a reference to his dependents as herein defined if the context so require, (i) The word *•acci dent ” as used in the phrases 44personal injuries due to accident ” or 44injuries or death caused by accident ” in articles 1 and 2 of this chapter shall, unless a different meaning is clearly indicated by the context, be construed to mean an unexpected or unforeseen event, happening suddenly and violently, with or without human fault, and producing at the time injury to the physical structure of the body, by accidental means, (j) Personal injuries, etc.— Without otherwise affecting either the meaning or interpretation of the abridged clause, injuries by an accident arising out of and in the course of his employment, it is hereby declared: Not to cover workmen except whil* TEXT OP LAWS— ALABAMA 85 engaged in. on, or about the premises where their services are being per formed, or where their service requires their presence as a part of such service at the time of the accident, and during the hours of service as such workmen, and shall not include an injury caused by the act of a third person or fellow employee intended to injure the employee because of reasons per sonal to him, and not directed against him as an employee, or because of his employment, and it shall not include a disease unless the disease results proximately from the accident, (fc) Wherever in articles 1 and 2 of this chapter the singular is used, the plural shall be included; where the masculine gender is used, the feminine and neuter shall be included. (I) Amputation.—Amputa tions between the elbow and wrist shall be considered as the equivalent to the loss of a hand, and the amputation between the knee and the ankle shall be considered as the equivalent of the loss of a foot, (m) “ The court*’ as used herein shall mean the circuit court which would have jurisdiction in an ordinary civil case involving a claim for the injuries or death in question, and “ the judge ” shall mean a judge of said court. Article 1 of this chapter shall not apply in cases where article 2 becomes operative in accordance with the provisions thereof, but shall apply in all other cases, and in such cases shall be in extension or modification of the common law. Sec. 7597. Title.— [The act may be cited as the “ workmen's compensation act.” ] ACTS OP 1923 C hapter 404.—Bureau of insurance [An independent bureau of insurance is created, in lieu of the department of insurance, with a superintendent at its head and a designated staff. The su perintendent is ex officio compensation commissioner, instead of the director of archives and history, as originally provided.] ALASKA ACTS OF 1923 C h apter 98.—Compensation of employees for injuries S e c t io n 1. Scope; benefits.—Any person, or persons, partnership, joint-stock company, association or corporation employing five or more employees in con nection with any business, occupation, work, employment, or industry carried on in this Territory, except domestic service, agriculture, dairying, or the op eration of railroads as common carriers who shall not have given notice of his, her. their or its election to reject the provisions of this act in the manner here inafter provided, or, who having given such notice shall, prior to the time that an employee is injured, as hereinafter referred to, have waived the same in the manner hereinafter provided, shall be liable to pay compensation, in accordance with the schedule herein adopted, to each of his, her, their or its employees who receives a i>ersonal injury by accident arising out of and in the course of his or her employment, or to the beneliciaries named herein, as the same are hereinafter designated and defined, in all cases where the employee shall be so injured and such injuries shall result in his or her death: Provided, The em ployee so injured had not, prior to the time of being so injured, given notice of his or her election to reject the provisions of this act in the manner hereinafter provided, or, having given such notice, had, prior to such time, waived the same in the manner hereinafter provided. The condensation to which such employee so injured, or, in case of his or her death if death results from such injury, such beneliciaries, shall be entitled and for which such employer shall be legally liable, shall be as follows: (1) In the event of the death of any such employee resulting from such in jury. where such employee at the time of his death was married, his widow shall be entitled to receive the sum of $3,900. (2) In those cases where such married employee had children under the age of 16 years at the time of his death, his widow shall be entitled to receive in addition to the sum above specified, the sum of $780 for each child uuder the age of 16 years, or child wholly dependent upon his or her parents for sup port by reason of mental or physical incompetency, or unborn or posthumous child, which such employee left at the lime of his decease, but not to exceed in all the sum of $7,800. (3) In those cases where such employee left either father or mother or both, dependent upon him for support at the time of his death, the sum of $780 shall be paid to such father or mother or both, in addition to the sum provided for and made payable to the widow. In no case however, is the total sum to be paid hereunder to exceed the sum of $7,800 and the payments to which the widow and children may be entitled shall be first paid out of said sum of $7.«00. (4) In those cases where such deceased employee was unmarried at the time of his or her death survived by either his or her father or mother, who was at the time of his or her death dependent upon him or her for support, such father or mother shall be paid the sum of $1,560. (5) Where such deceased employee was survived by his or her father and mother both dependeut upon him or her for support at the time of his or her death, such father and mother dependent upon him or her for support, shall be paid the sum of $1,560 each. (6) In those eases where such deceased employee was a widower at the time of his death, but left one or more minor orphan children, there shall be paid the sum of $3,900, and the further sum of $780 for each orphan child under the age of 16 years, provided the total amount paid shall not exceed $7,800, and the judge of the probate court of the precinct wherein such accident or in jury occurred shall appoint a guardian, for all of said children, who shall be entitled to, and who shall be paid, the amount specified in this paragraph, for the benefit of said orphan children, and shall divide $3,900 thereof equally among such children and divide the surplus, if any, among the children under 16 years of age. 86 TEXT OF LAWS— ALASKA 87 (6% ) Provided, however, That if such beneficiary or beneficiaries as de scribed in [sub] sect ion 1 to 6, inclusive, immediately preceding this [sub]section be neither resident nor a citizen of the United Slates of America, then the amount due and payable to such beneficiary or beneficiaries shall be in an amount equal to 75 per cent of the sum.? set forth in [sub]sections 1 to 6, imme diately preceding, and such amount shall be in full settlement of all claims under this act. (7) In those cases where such deceased employee is. at the time of his or her death unmarried, and leaves no children nor father nor mother depend ent upon him or her as above specified, the employer shall be required to pay the funeral expenses of the deceased not to exceed the sum of $105. and such other expenses, if any. arising after the injury and before the death, not to exceed the further sum of $105. Where any such employee receiving an injury arising out of. and in the course of his or her employment, as the result of which he or she is totally and permanently disabled, he or she shall be entitled to receive compensa tion as follows: («) If such employee was at the time of his injury married he '••hall be entitled to receive $0,240 with $780 additional for each child under the age of 10 years, but the total to be paid shall not exceed $7,800. (ft) If such employee at the time of his injury had no wife or children, but had a mother or father dependent upon him, $5,460. (c) In case where such employee who at the time of his injury had both father and mother dependent upon him, $6,240. (d) In those cases; where such employee was at the time of his injury, a widower, or was divorced, but had minor children, he shall receive the sum of $4,080 with an additional sum of $780 for each child below the age of 16 years, provided that the total sum to be paid such employee shall not in any case exceed the sum of $7,800. (<*) In those eases where such employee so injured at the time of his injury was unmarried and had no children nor father nor mother dependent upun him, he shall receive the sum of $4,080. Where any such employee received an injury arising out of, or in the course of, his or her employment, resulting in his or her partial disability, he or she shall be paid in accordance with the following schedule: For the loss of a thumb: (a) In case the employee was at the time of the injury unmarried. $024. (ft) In case the employee was married but had no children, $780. (c) In case the employee was either married or a widower, but had one or more children, $030. For the loss of an index finger: (a) In case the employee was at the time of the injury unmarried, $300. (ft) In case that the employee was married but had no children, $507. (e) In case the employee was either married or a widower, but had one or more children, $624. For the loss of other finger than the index finger and thumb, $234. For the loss of a great toe, $300. For the loss of any other toes than the great toe, $150. For the loss of a hand: (a) Tn case the employee was at the time of the injury unmarried, $1,872. (ft) In case the employee was married but had no children, $2,406. (c) In case the employee was either married or a widower and had one child, $2,406 and $3.12 additional for each of said children, not to exceed, how ever, the total sum of $3,120. For the loss of an arm: (a) In case that the employee was at the time of the injury unmarried, $2,340. (ft) In case the employee was married but had no children, $3,120. (<>) In case the employee was either married or a widower and had one child, $3,120 and $300 additional for each additional child, the total amount not to exceed, however, $3,000 For the loss of a foot: (a) In case that the employee was at the time of the injury unmarried, $1,872. (ft) In case that the employee was married but had no children, $2,340. 88 w o r k m e n ’s COMPENSATION LAWS— UNITED STATES (c) In ease the employee was either married or n widower and had on# child, $2,49(5 and $312 additional for each additional child, but not to exceed the total sum of $3,120. For the loss of a leg: (а) In case the employee was, at the time of the injury, unmarried, $2,340. (б) In case the employee was unrried but had no children, $3,120. (c) In case the employee was eiUier married or a widower and had but one chIM, $3,120 with $390 for each additional child, not to exceed the total sum of $3,900. For the loss of au eye: (а) In case the employee was, at the time of the injury, unmarried, $1,872. (б) In case the employee was married but had no children, $2,496. (c) In case the employee was either married or a widower and had one child, $2,490 plus $332 for each additional child, not to exceed, however, tho total sum of $3,120. For the loss of an ear, $332. For the lows of the nose, $624. For all oilier injuries causing temporary disability, the employer shall pay to the employee, during the period of such disability, 50 per cent of his daily average wages. And in all cases where the injury develops or proves u> be such as to entitle the employee to compensation under some provision iu this schedule, relating to cases other than temporary disability, and the employee has been paid compensation for temporary disability, the amount so paid him shall be deducted from the amount to which he shall be entitled under such provision in this schedule. The loss of both hands, or both arms, or both feet, or both legs, or both eye.-?, or any two thereof, shall constitute total and permanent disability and be compensated according to the provisions of this act with reference to total and permanent disability. Amputatiou between the elbow and the wrist shall be considered equivalent to the loss of a hnnd, and amputation between the knee and the ankle shall be considered equivalent to the loss of a foot. Whenever such employee receives an injury, arising out of and in the course of employiutut, as a result of which he or .she is partially disabled, and the disability so received is such as to be permanent in character and such as not to come whoily within any of the specific eases for which provision is here in made, such employee shall be entitled to receive as compensation a sum 'which bears the same relation to the amount he or she would be entitled to receive hereunder if he or she were totally and permanently disabled that the loss of earning capacity of such employee, by reason of the accident, boars to the earning capacity such employee would have had had he or she not been injured, the amount to be paid in no case to exceed $6,240. To illustrate: If said employee were of a class that would entitle him or her to $6,240 under this schedule, if he or she were totally and permanently disabled, and his or her injury would be such as to reduce his or her earning capacity 25 per cent, he or .she would be entitled to receive $1,560, it being the amount that bears the same relation to $6,240 that 25 per cent does to .100 per cent. Should such employee receive an injury that would impair his or her earning capacity 75 per cent, he or she would be entitled to receive $4,<5NO, it being the amount that bears the same relation to $6,240 that 75 per cent does to 100 per cent. Sec. 1l/i (added 1925, ch. 63). Mmiieal, etc.. aitt.—And in addition to the compensation for injured employees in this act otherwise provided, the employer sh.ilI furnish to and for each injured employee such reasonably necessary medical, surgical, and hospital treatment, including necessary transportation to and from hospitals, as may be required by reason of the injury, for a period not exceeding oae year from and after rlie date of injury to any such employee: and the employer in order to create a fund out of which the expenses of such treatment may be paid, may charge against and deduct from the wages of each employee, as and when the same are paid, the sum of not to exceed $2.50 per month: the money so deducted and withheld by the employer shall be kept by him in a separate fund and used only to cover the services and treatment in this section provided, and if the fund so created be insufficient, such de ficiency as may reasonably arise, shall be paid by the employer without any charge therefor against the injured employee or any other of the employees: and the employer shall have the exclusive right, and it shall be his duty to select and furnish the necessary physicians, surgeons, and hospitals, and to TEXT OF LAWS— ALASKA 89 that end ho may enter into all necessary contracts with such physicians, sur geons, and hospitals for the furnishing of such services and treatments. Nothing contained in this section shall be construed to limit the right of the employee to provide in any case, at his own expense, a consulting physician or any attending physicians whom he may desire. The fund hereby created by deductions herein allowed to be made by the employer from the wages of employees shall be, and the same is hereby, made a trust fund which can be used only for the purposes herein set. out. Whenever any employer shall cease his business or operations and go out of ihe business in which such employer has been theretofore engaged, any part of the fund created by this section and remaining in the possession of such employer shall, by the employer, be paid to the Territorial treasurer and by him covered into general Territorial funds. Sec. 2. Right to higher award.—If an injured employee entitled to compensa tion hereunder shall be paid compensation under any subdivision or part of this schedule and it shall afterwards develop that he or she is or was entitled to a higher rate of compensation under some oilier part or subd Ivirion of this schedule, then and in that event he or she shall receive sucli higher rate, after first deducting the amount that has already been paid him or her: Provided, however, That no compensation under such increased rate shall be paid unless the disability entitling the employee thereto slufil develop within two years after the injury. Sec. 3. Settlement by agreement.—At any time subsequent to the injury the employer and the employee shall have the right to compromise and settle any claim for injury hereunder in accordance with schedule herein, and the em ployee shall have the right to give full satisfaction and acquittance therefor and thereby discharge the employer from further liability, and such satisfac tion and acquittance shall be binding upon the said employer, employee bene ficiaries under this act, and all other persons whatsoever. Ssca 4. Willful intention.—No compensation shall be allowed or paid for the injury or death of an employee in any case where such injury or death was occasioned by his or her willful intention to bring about the injury or dentil of himself or herself or of another, or where the employee's intoxication was the proximate cause of the injury. Sec. 5. Waiting time.—No compensation shall be paid under this act for an injury which does not incapacitate the employee for a period of at least one week from earning full wages, but if incapacity extends beyond the period of one week, compensation shall begin on the eighth day after the injury: Pro vided, however. That if such disability continues for eight weeks or longer, such compensation shall be computed from the date of the injury. Seo. 6. -Contractors.—No contractor or subcontractor shall be entitled to re ceive compensation under this act, but shall be deemed to be an employer. S.w. 7. Remedy exclusive.—The right to compensation for an injury aud the remedy therefor granted by this act shall be in lieu of all rights and remedies as to such injury now existing either at common law or otherwise, and no rights or remedies, except those provided for by this act, shall accrue to em ployees entitled to compensation under this act, while it is in effect, nor shall any right or remedy, except those provided for by this act, accrue to the per sonal or legal representative, dependents, beneficiaries under this act. or next of kin of such employee. Sec. 8. Step-parents, etc.—Step-parents shall be regarded in this act as parents: and an adopted child, or adopted children, or a stepchild, or children, shall be regarded in this act as issue of the body. S*.c. (J. Statement of beneficiaries.— [Employees under the act must furnish employers with a list of their potential beneficiaries under this act:, and keep the addresses correctly on file. Employers must notify each beneficiary so listed in event of the death of the employee in accordance with a prescribed form, including notice of the time within which claims must be submitted. Failure to furnish the list does not forfeit the rights of claimants, but re lieves the employer of all obligation to give notice of death. If the employer fails to notify beneficiaries whose names he has been furnished of the death of the employee, they may prosecute their claims without regard to the 120day limitation fixed by the act. The statements made by employees as to de pendents may be offered in evidence as to questions of relationship, and when so offered shall be received. Claims for death benefits must be submitted within 120 days from the death of the employee; but failure to serve such notice will not be a bar to recovery 90 w o r k m e n 's COMPENSATION LAWS— UNITED STATES of benefits unless it is shown that the employer at no time prior to the ex piration of 120 days had knowledge of the injury, or that, after the expiration of 120 days, he had paid in good faith the compensation herein provided to another claimant believed in good faith to bo entitled thereto.] Sec. 10. Deposits for claims.— [An employer served with notice by one or more claimants may deposit with the rlerk of the district court for the division within which the employee was injured cash or a properly secured bond in the amount of $7,800, such deposit to be made within the 10 days succeeding the 120 days during which notice may be served; but no action may be tried until the expiration of the 120 days and the 10-day period.] Secs. 11-15. Procedure.— [All claimants are to be notified of such deposit by the employer, and any prior action by claimants then abates, and proceed ings follow the course prescribed; but if such claimants are found ent itled to compensation, costs are awarded* Notice of deposit of the money or bond must be advertised in a local news paper for four weeks, and a time stated within which claims are to be pre sented. Claimants file their claims with the clerk of the district court, and a copy is served on the employer. Hearings are to be had within 80 days from the date set for the filing of claims, with a jury if demanded. If not, trial is before the judge; the order of prpof to rest in his discretion, but to be such as will give ail parties a full, fair, and complete hearing. Findings of fact are to be filed, whether trial is with or without a jury, and judgment is to be entered in accordance therewith.] Swrs. 16-18. Awards.— [If no claim is filed or claimants fail to prove a right to an award, the employer’s deposit is to be returned, less costs. Tf claims are sustained the sums due are awarded without costs and without interest. If any part is undistributed, it is to be returned to the employer, less costs.] Sec. 19. Appeal*.— [Appeals lie to the Vnited States Circuit Court of Ap peals for the Ninth Circuit; but if an employer appeals and judgment against him is affirmed, interest at 8 per cent and the costs on appeal are allowed the claimant.] S e c s . 20-28. Actions.— [Actions by two or more claimants are to be consoli dated, and are to be in the courts of the Territory unless it is shown that service on the defendant can not be had in the Territory. On the submission of affidavits showing the facts necessary to sustain a claim, a writ of attachment issues without the filing of bond or other security: but the defendant may file a bond in double the amount sued for. in which case no writ will issue; or if one has been issued, it will be dissolved and the attached property returned.} Sice. 24. Mcdical examinations.— [Injured employees must at reasonable times submit to medical examinations on the request and at the expense of the employer. Refusing or obstructing examination suspends rights to eompensation; and such rights may be forfeited for the period of suspension, in the discretion of the jury or court trying the action.] Sko. 25. Waiver*.—No agreement by an employee to waive his or her rights to compensation under this act shall be valid, except as herein elsewhere pro vided, and no employer or employee shall exempt himself, herself, or itself, except in the manner herein elsewhere provided, from the burden or waive the benefits of this act by any contract, agreement, rule, regulation, or device, and any such contract, agreement, rule, regulation, or device shall be absolutely void. Sec. 26. Limitation.—Any and ail claims for compensation under this act shall be barred unless an action for the recovery of the same shall be com menced within two years after the cause of action shall have accrued, or in the event of mental incapacity, within two years after the removal of such mental incapacity. Skc. 27. Liability of third parties.—Where the injury for which compensation is payable under this act was caused under circumstances creating a legal liability in some one other than the employer to pay damages in respect thereof, the employee may take proceedings both against the one so liable to recover damages and against anyone liable to pay compensation under this act, but shall not be entitled to receive both damages and compensation. And if the employee has been paid compensation under this act, the employer by whom the compensation was paid shall be entitled to indemnity from the person, firm, or corporation so liable to pay damages as aforesaid and to the extent of such indemnity shall be subrogated to the rights of the employee to recover damages therefor. TEXT OP LAWS— ALASKA 91 Sec. 28. Election presumed, when.—When five or more employees, as defined by this act, are employed in the same general employment in conncction with any business or industry carried on in this Territory, and in the usual and ordinary conduct of such operations, it shall be presumed that the employer, as defined by this act, has elected to pay compensation according to the terms, conditions, and provisions of this act to such employees as may sustain per sonal injury arising out of and in the course of the employment, and in such case the employer shall be relieved from liability for a recovery of damnges or other compensation for such personal injuries unless by the terms of this act otherwise provided. Sec. 29-31. Rejection by employer.— [Employees are presumed to have ac cepted the act unless and until notice in writing is recorded with a United States commissioner in a proscribed form. Such rejection effects an abroga tion of the common-law defenses, and in actions for personal injuries the negli gence of the employer is presumed to have been the proximate cause.] Sec. 82. Terms of contract.—Where the employer and employee have not given notice of an election to reject the terms of this act, this act shall constitute a part of every contract of hire, express or implied, and the same shall be con strued as an agreement on the part of the employer to pay, and on the part of the employee to accept compensation in the manner as by this act provided for all personal Injuries sustained, arising out of and. in (he course of the employment. Sec. 33. Rejection by employees.— [Acceptance by employees is presumed until written notice in prescribed form is served on the employer and recorded in the office of the commissioner for the precinct in which the employer’s operations lie. (The text says “ mining operations,” but as the law is of general inclusiveness (see sec. 1), it seems that this is an overlooked retention of the provisions of the earlier law.) Rejection by the employee leaves the employer free to plead the common-law defenses in case of a suit for damages; but if the injury is due to the em ployer’s failure to comply with any safety law or regulation, the doctrine of assumption of risk shall not apply.] Secs. 34, 35. Term of election; waiver.— [Rejections are for a term of one year, and must be renewed within 30 days of the expiration of that period. Rejections may be waived at any time in the same manner as made.] Sec. 36. If both reject.—Where the employer and employee elect to reject the terms, conditions, and provisions of this act, the liability of the employer shall be the same as though the employee had not rejected the terms and conditions thereof and the employer had rejected the same. Sec. 37. Assignments, etc.—No claim for compensation due under this act shall be assignable, and all compensation due hereunder shall be exempt from execution. Skc. 38. Employer; employee.—Whenever the term “ employer ” is used in this ac(: reference is had to any person or persons, partnership, joint-stock company, association, or corporation employing five or more employees in connection with any business or industry coming within the scope of this act and carried on in this Territory, and whenever the term 44employee ” is used in this act reference is had to an employee employed by an employer as above defined. Sec. 30. Beneficiary.—The term “ beneficiary ” as used in this act refers to any person entitled to compensation under the provisions hereof. Sec. 40. Gender.—The masculine gender whenever used herein shall be held to include the feminine and neuter. Sec. 41 (as amended 1925, ch. 59). Costs.—If the court, before whom any proceedings are brought under this act, determines that such proceedings have been brought, prosecuted, or defended without reasonable ground, it may assess the whole cost of the proceedings upon the party who has so brought, prose cuted, or defended them, including a reasonable attorney’s fee to be fixed by the court. Sec. 42. Title.—This act may be cited as “ The workmen’s compensation act of .Alaska.” Sec. 43. Repeal.—All acts and parts of acts in conflict herewith are hereby repealed to the extent of such conflict; but this repeal shall not affect any right or claim which arose under any other act prior to the time when this act shall go into eifect. Approved May 4, 1923. 1965°—26------7 ARIZONA CONSTITUTION [The following section of the constitution of the State was amended by the legislature of 1925, and adopted at a special election, September 29. 1925, so as to read as follows. Its adoption effected the final step in the enactment into lav/ of House Bill No. 227 (ch. S3, Acts of 1925), named in the amendment, as the compensation law of the State.] A r t i c l e XVJL11 SficrioK 8. Workmen's compensation law to be enacted.—The legislature shall enact a workmen’s compensation law applicable to workmen engaged in manual or mechanical labor in all public employment whether of the State, or auy political subdivision or municipality thereof as may be defined by law and in such private employments as the legislature may prescribe by which com pensation shall be required to be paid to any such workman, in case of his injury and to his dependents, as defined by law. in case of his death, by his employer, if in the course of such employment personal injury to or death of any such workman from any accident arising out of and in the course of, such employment, is caused, in whole, or in part, or is contributed to, by a necessary risk or danger of such employment, or a necessary risk or danger inherent in the nature thereof, or by failure of such employer, of any of his or its agents or employee or employees, to exercise due care, or to comply wirli any law affecting such employment: Provided, That it shall be optional with any employee engaged in any such private employment to settle for such compensation, or to retain the right to sue stiid employer as provided by thte constitution: And provided further, In order to assure and make certain a just and humane compensation law iu the State of Arizona, for the relief and protection of such workmen, their widows, children or dependents, as defined by law, from the burdensome, expensive and litigious remedies for injuries to or death of such workmen, now existing iu the State of Arizona, and producing uncertain and unequal compensation therefor, such employee, engaged in such private employment, may exercise the option to settle for compensation by failing to reject the provisions of such workmen’s compensa tion law prior to the injury. The percentages and amounts provided in house bill No. 227 enacted by the Seventh Legislature of the State of Arizona, shall never be reduced nor any industry included within the provision of said house bill No. 227 eliminated except by initiated or referred measure as provided by this constitution. ACTS OF 1925 CnAPTEP. 83.—Industrial commission—Compensation of workmen for injuries S e c tio n s 1-9. Industrial commission.— [A commission of three members is appointed by the governor, by and with the consent of the senate, one term to expire each two years. Not more than two members may belong to the same political party; members may be removed for cause. Salaries are $5,000 per annum, and bonds in the sum of $10,000 ore required, the premiums to be paid fiv >m the State treasury. A majority constitutes a quorum, offices are to be maintained at the State capitol, the commission has a seal, keeps records, and its office is open for the transaction of business during the business hours of every business day. Sessions are open to the public. Subject to the provisions of this act, the commission may adopt and modify its own rules of procedure.] Sec. 10. Employees. etc.— [The commission is authorized to employ actuaries, accountants, inspectors, experts, physicians, clerks, etc.. and fix their compen sation ; all subject to approval by the governor. Necessary traveling expenses are to be paid out of the compensation fund.] 92 TEXT OF LAWS— ARIZONA 93 Secs. 11-20. General powers.— [Commissioners may enter any place of om* ployment for the purpose of collecting facts and statistics, are charged with :lii? enforcement of all laws relating to the safety and welfare of employees, and may issue general orders to take effect within 30 days after publication. Special orders to take effect as therein directed. Proceedings to amend, set aside or vacate orders are regulated, the power of the commission to summon witnesses, administer oaths, designate agents, etc., are prescribed, and penalties fixed for noncompliance by employers and employees, and for failure of em ployees to furnish the information required by the commission.] S e c s . 30-43. State compensation fund.— [A State compensation fund is created, consisting of premiums paid by employers accepting this form of insurance, and of penalties, interest, etc. The fund is to be administered by the commission without iiability on the part of the State beyond the amount of such fund. The commission has full authority to administer the fund, classify employments, and keep separate accounts for convenience in determining equitable rates, which shall be the lowest possible consistent with the maintenance of a solvent fund and the creation of a surplus and reserve. For the purpose of paying compensation, the fund is a unit. Individual risks may be taken into consideration in adopting a system of schedule rating. Computations are to be made an nually, and if there is an excess of assets over liabilities, including a neces sary reserve in the sum of $100,000 for catastrophe hazards, either a credit or cash dividend to individual members of a class showing excess contributions over liabilities may be allowed. A reserve for reimbursing the general fund of the State for the initial appropriation of $100,000 must be first provided. The commission may sue and be sued in its own name, make contracts of insurance and such other contracts relating to the fund as are authorized or permitted by the act, and reinsure any risk or part thereof as other rein surance carriers. Contracts of insurance may fully protect employers not only for compensation claims but for all liability claims whatsoever by em ployees or their dependents, including the cost of defense in the event of suit Employers insuriug hi the State fund receive a contract hi an ap proved form, make semiannual payments of premiums, and may withdraw from the fund, if not in arrears, and due notice of such withdrawal has b^ou given. Ten per cent of the premiums must be set aside for the creation of a surplus until the sum of $100,000 is accumulated, and thereafter 5 per cent until a sufficient, surplus is accumulated to cover the catastrophe hazard and all of her unanticipated losses. A reserve adequate to carry till claims and policies to maturity must be provided. Readjustments of rates are to he made at the end of each year, and nt. such other times as the com mission may approve, and credits and dividends allowed if the commission believes that it may safely and properly be done. Premiums may be re duced for any class showing a .balance remaining after credits and expenses of administering, etc., properly chargeable against the class have boon met. The commission is to adopt rules and regulations as to cost, main tenance and disbursements of the fund, requiring that adjustments shall be made of the amount of premiums actually due at the end of any six months' period for which estimated contributions have been paid, excess or payments of insufficient amounts to be adjusted according to the actual pay roll for the period. The State treasurer is custodian of the fund, under a separate surety bond. Sums not needed for immediate use may be deposited, with the consent of the commission, interest to be credited to the fund. The surplus may be invested In United States, State or municipal bonds or bonds of Federal land banks.] Sec. 44. Who are employers.—The following shall constitute employers sub ject to the provisions of this act: (1) The Slate, and each county, city, town, municipal corporation, and school district therein. (2) Every person, firm and.private corporation, including every public utility, that has in service three or more workmen or operatives regularly employed in the same business, or in or about the same establishment, under any con tract of hire, express or implied, oral or written, except agricultural workers not employed in the use of machinery, and domestic servants: Provided, That employers who have in service agricultural workers as designated and domestic servants shall have the right to come under the terms of this act by complying with the provisions thereof and all rules and regulations of the commission. 94 WORKMEN’s OOMPJSNSATION LAWS— UNITED STATES The term “ regularly ” as herein used, shall include all employments, whether continuous throughout the year or for only a portion of the year. It means all employments in the usual course of the trade, business, profession, or ov^pMtion of an employer. Where any employer procures any work to be done wholly or in part for him by a contractor over whose work he retains supervision or control, and the work so procured to be done is a part or process in the trade or business of snid employer, then such contractor and all persons employed by him. mid nil subcontractors under him, and all persons employed by any such subcontractors, shall be deemed, within the meaning of this section, employees of such original employer. Any person, firm or cori>oration engaged in the performance of work as an independent contractor, shall be deemed an employer within the meaning of this section. The words “ independent, contractor " as herein used, is defined to be any person, association or corporation engaged in the performance of any work for another, and while so engaged, is independent of the employer in all that, pertains to the execution of the work, is not subject to Use rule or control of the employer, is engaged only in the performance of a definite job or piece of work, and is subordinate to the employer only in effecting a result in accord ance with the employer's design. Sec. 45. Who are employees.—The terms 44employee/’ 44 workman.” and " operative,” as used in this act, shall be construed to mean: (1) Every person in the service of the State, and every county, city, town, municipal corporation, or school district, including regular members of lawfully constituted police and fire departments of cities and towns, under any appoint ment or contract of hire, express or implied, oral or written, except any elective official of the State, or of any county, city, town, municipal corporation, or school district therein, or other official receiving more than $2,400 per year salary. (2) Every person, except agricultural laborers as designated and domestic servants in the service of any employer, as defined in subdivision 2 of section 44, who employs three or more workmen or operatives regularly in the same business, or in or about the same establishment, under any contract o£ hire, express or implied, oral or written, including aliens, and also including minors who are legally or illegally permitted to work for hire under the laws of the State, but not including any person whose employment is but casual and is not in the usual course of trade, business, or occupation of his employer. All lessees in mines or of mining property, and the employees and con tractors of all such lessees who are engaged in the performance of work which is a part of process in the business that is being actually conducted by the lessor, and over whose work the lessor retains supervision or control, shall be deemed, within the meaning of this section, employees of such lessor, draw ing such wages as are paid employees for similar work: Provided. That the lessor may deduct from the proceeds of ores mined by the lessees the premium required to be paid. Sec. 46. Definitions.—The following terms as used in this act shall be con strued as follows: (1) The term “ order” shall mean and include any decision, rule, regulation, direction, requirement, or standard of the commission, or any other determina tion arrived at or decision made by such commission. (2) The term “ general order” shall mean and include such order as applied generally throughout the State to all ]>crsons under the jurisdiction of the commission. All other orders of the commission shall be considered special orders. (3) The words “ Personal injury by accident arising out of or in the course of employment” shall include an injury caused by the willful act of a third person directed against an employee because of his employment. These shall not include a disease except as it shall result from the injury. (4) The term “ compensation” shall mean the compensation and benefits provided for in this act. (5) The term “ award” shall mean the finding or decision of the commis sion as to the amount of compensation or benefit due any injured or the dependents of any deceased employee. (6) The term “ hazardous employment” as used in this act shall be con strued to mean and shall include the following: (1) The operation of steam railroads, electrical railroads, street railroads, by locomotives, engines, trains, motors, or cars of any kind propelled by steam, TEXT OP LAWS— ARIZONA 95 electricity, cable or other mechanical power, including the construction, use, or repair of machinery, plants, tracks, switches, bridges, roadbeds, upon, over, and by which such railway business is operated. (2) All work when making, using, or necessitating dangerous proximity to gunpowder, blasting powder, dynamite, compressed air, or any other explosive. The erection or demolition of any bridge, building or structure in which there is, or in which the plans and specifications require, iron or steel frame work. (4) The operation of all elevators, elevating machinery or derricks or hoist ing apparatus used within or on the outside of any bridge, building or other structure for conveying materials in connection with the erection or demolition of such bridge, building or structure. (5) All work on ladders or scaffolds of any kind elevated 20 feet or more above the ground or floor beneath in the erection, construction, repair, painting or alt era (ion of any building, bridge, structure or other work in which the same arc used. (0) All work of construction, operation, alteration or repair where wires, cables, switchboards, or other apparatus or machinery are in use charged with electrical current. (7) All work in the construction, alteration or repair of pole lines for tele graph. telephone or other purposes. 18) All work in miues; and all work in quarries. (9) All work in the construction and repair of tunnels, subways and viaducts. (10; All work in mills, shops, works, yards, plants, and factories where steam, ejectricity. or any other mechanical power is used to operate machinery and appliances in and abour such premises. Skc. 47. Compen-wt ion to he paid.—Every employee mentioned in section 45 who is injured and the dependents of every sucli employee who is killed by accident arising out of, or in the course of his employment, wheresoever such injury h«s occurred, provided the same was not purposely self-inflicted, shall be entitled to receive, and shall be paid such compensation for loss sustained on account of such injury or death, and such medical, nurse and hospital services and medicines, and such amount of funeral expenses, in case of death, as are herein provided. Slits. 48-53. Insurance.— [Private employers must secure the payment of benefits under the act either by insuring iu the State fund or in an authorized stock or mutual insurance company, or by furnishing satisfactory proof of finunciijl ability to make direct payments as they become due under the act. Jn the last case. the commission may require the deposit; of security or bonds. If self-insurers do not fully comply with the provisions of the act as to their obligations, the claim of the injured workman or his dependents will be assumed to hii ve been assigned to the commission for the benefit of the State fund, from which benefits due will be paid, and the commission will have a right of action against the employer to recover such amount, with necessary expenses of the recovery, including a reasonable attorney’s fee. If a bond has been deposited, recovery will be on the bond. Stock and mutual companies will be subject to the rules and regulations of the commission, including the subjects of rates, reserves, deposits, etc. Em ployers insuring in other than the State fund must file notice of their insur ance, with a copy of the policy. Policies must cover the entire liability of the employer, and provide for the industrial commission or the State to enforce in their own names the liability of the insurer for the payment of the compensa tion insured, or any unpaid portion thereof. Policies must also contain a pro vision that notice and jurisdiction of the employer bind the insurer, and that the insolvency of the employer does not release the carrier from liability for beneiits accruiug during the life of the policy. The State and its municipalities must insure in the State fund.] Sec. 54. Pay rolls to be furnished.— [Counties, cities, etc., are required to fur nish pay rolls of their employees, classified as the commission may require, and appropriate premiums are to be paid at once to the commission by the proper officer.] Sec. 55. Payments from State fund.— [This section provides that employees covered by insurance in the State fund shall be paid therefrom compensation, medical aid, and funeral expenses in case of death.] Sec. 56. Premium payments.— [Every employer except the State who is in sured in the State fund must make semiannual payments of premium accord- 96 WORKMEN 'g COMPENSATION LAWS— UNITED STATES ing to the classes and rates fixed by the commission: also any adjustments found due.] Sec. 57. Benefits.— (a) Every injured employee within the provisions of this act shall be entitled to receive, and shall receive promptly, such medical, surgical and hospital or other treatment, nursing, medicines, medical and sur gical supplies, crutches and apparatus, including artificial members, as may be reasonably required at the time of the injury and within ninety days there after, which may be extended to one year by the Arizona Industrial Commission. The benefits conferred by this section upon the injured employee shall herein after be termed “ accident benefits.” (&) For the purpose of providing a fund to take care of said accident bene fits as in this act provided, the Arizona Industrial Commission is authorized and directed to collect a premium upon the total pay roll of every employer, including the State and its legal subdivisions, except as hereinafter provided, in such a percentage as the commission shall by order fix ; every employer paying such premium shall be relieved from furnishing accident benefits, and the same shall l>e provided by the Arizona Industrial Commission. Every employer paying such premium for accident benefits may collect one-half there of, not to exceed $1 per month, from each employee, and may deduct the same from the wages of such employee. The Arizona Industrial Commission shall have the authority to adopt such reasonable rules and regulations as may be necessary to carry out the pro visions of this subdivision of this section. All fees and charges for such acci dent benefits shall be subject to regulation by the commission, and shall be limited to such charges as prevail in the same community for similar treatment of injured persons of like standard of living. The State compensation fund provided for in this act shall not be liable for any accident benefits provided by this section, but the fund provided for accident benefits shall be a separate and distinct fund, and shall be so kept. (c) It shall be the duty of every employer operating under the provisions of this act. immediately upon the occurrence of any injury to any of his employees, to render to such employee all necessary first aid, including cost of transportation of the injured employee from the place of injury to the nearest place of proper treatment where the injury is such as to make it rea sonably necessary for such transportation; such employer shall forthwith notify the commission of such accident, giving the name of the injured em ployee, the nature of the accident, and where and by whom the injured employee Is being treated, and the date of the accident. Every employer paying acci dent benefit premiums .to the Arizona Industrial Commission furnishing first aid shall be entitled to receive from the commission the amount of such expenditure reasonably made. (d) Every employer, except the State and its legal subdivisions, operating under this act, alone or together with other employers may, in lieu of making premium payments to the accident benefit fund, make arrangements for the purpose of providing accident benefits as defined in this act for injured em ployees and such employer may collect one-half of the cost of such accident benefits from their collective employees, not to exceed $1 per month from any one employee, and may deduct the same from the wages of each employee. Employers electing to make such arrangements for providing accident benefits shall notify the Arizona Industrial Commission of such election and render a detailed statement of the arrangements made. Every employer who main tains a hospital of any kind for his employees, or who contracts with a physi cian for the hospital care of injured employees, shall, on or before the SOtli day of January of each year, make a written report to the Arizona Industrial Commission for the preceding year, which report shall contain a statement showing: (1) Total amount, of hospital fees collected, showing separately the amount contributed by the employees and the amount contributed by the employers; (2) an itemized account of the expenditures, investments, or other disposition of such fees: and (3) a statement showing what balance, if any. remains. Such reports shall be verified by the employer, if an individual, by a member, if a partnership, by the secretary, president, general manager, or other executive officer, if a corporation; by a physician, if contracted to a physician. Every employer who fails to so notify said Arizona Industrial Commission of such election and arrangement, or who fails to render the financial report required herein, shall be liable for accident benefits as heretofore provided by subdivision (&) of this section. TEXI Of LAWS— ARIZONA 97 (e) If it be shown or the commission finds that the employer is furnish ing the requirements of medical, surgical, or hospital aid or treatment pro vided for in this act in such a manner that there are reasonable grounds for believing that the health, life, or recovery of the employee is being endangered or impaired thereby, the commission may, upon application of the employee or upon its own motion, order a change in the physician or other requirements, and if the employer fails to promptly compiy with such order, the injured employee may elect to have such medical, surgical, or hospital aid or treatment provided by or through the Arizona Industrial Commission, in which event the cause of action of said injured employee against the employer or hospital asso ciation shall be assigned to the Arizona Industrial Commission for the benefit of the accident benefit fund, and the Arizona Industrial Commission shall fur nish to said injured employee the medical, surgical, or hospital aid or treat ment provided for in this act. [The State and its subdivisions are to pay into the accident benefit fund such premiums as are authorized by this section and the commission is to admin ister such fund with the same power as is provided for the administration of the State compensation fund; the State treasurer is its custodian.] Sec. 58. Tax on noninsuHng employers.— [Employers who do not insure must pay a tax based on the amount the employer would pay as premiums if insured in the State fund, at the same rate as required by law on premiums received by insurance companies.] Sec. 59. Extraterritoriality.—If a workman who has been hired or is regu larly employed in this State receives a personal injury by accident arising out of and in the course of such employment, he shall be entitled to compensa tion according to the law of this State as provided for in this act, even though such injury was received outside of this State. If a workman who has been hired outside of this State is injured while engaged in his employer's business, and is entitled to compensation for such injury under the law of the State where he was hired, he shall be entitled to enforce against his employer his rights in this State if his rights are such that they can reasonably be deter mined and dealt with by the commission and the courts in this State. Sec. 60. Employees option.— [Employers complying with -the provisions of seel ion 48 are exempt from other liability than that herein provided; but em ployees may elect to reject the terms of the act by prior notice in writing, a duplicate to be filed with the commission.1 Election is presumed iu the absence of such notice and employers in hazardous occupations must post and keep posted a notice to that effect, which failing, an injured employee may either claim compensation or sue under other laws of the State.] Sec. 61. Notice of self-insurance.—Each employer providing insurance or electing directly to pay compensation to his injured or the dependents of his killed employees as herein provided, other than the employers mentioned iu subdivision 1 of section 44, shall post in conspicuous places about his place of business typewritten or printed notices stating the fact that he has com plied with the provisions of this act and of all the rules and regulations of the commission made in pursuance thereof, and has been authorized by the commission directly to compensate such employees or dependents, and the same, when so posted, shall constitute sufficient notice of his employees of the fact that he has complied with the law as to securing compensation to his employees and their dependents. S ecs. 62, 63. Employers failing to comply.— [Employers failing to comply with the provisions of section 48 are not entitled to the benefits of this act during the term of such noncompliance, but are liable in actions in damages for the injury or death of employees, without the defenses of assumption of risk or contributory negligence; and proof of injury shall be prima facie evi dence of negligence. Instead of suing, the injured worker or his dependents may apply for compensation in accordance with the terms of this act, and the commission shall proceed to hear and determine the claim. An award filed in the olGce of the clerk of the superior court must be docketed as a judgment of that court, and is a lien on the real proi>erty of the employer in that county for a period of eight years.] Sec. 64. Default.— [E m p loy ers d efaultin g in paym ents due the S tate com pensation fund or the accident benefit fund are required to pay the sam e with 1 As cnactcd, this option extended only to employees in occupations declared by section 46 to be hazarrioiiM; but the supreme court hold this restriction to be in conflict with the constitution, and Invalid. 98 WORKMEN’S COMPENSATION LAWS— UNITED STATES interest at 12 per cent per annum, to be collected by the commission in a civil suit.] S e c . 65. Right to recover; exceptions.—The right to recover compensation pursuant to the provisions of this act for injuries sustained by an employee shall be the exclusive remedy against the employer, except as provided in sec tions 60 and 61 of this act, and except where the injury is caused by the em ployer’s willful misconduct and such act causing such injury is the personal act of the employer himself, or if the employer be a partnership, on the part of one of the partners, or if a corporation, on the part of an elective officer or officers thereof, and such act indicates a willful disregard of the life, limb, or bodily safety of employees, such injured employee may, at his option, either claim compensation under this act or maintain an action at law for dam ages. The term “ willful misconduct ” as employed in this section shall be con strued to mean an act done knowingly and purposely with the direct object of injuring another. Sr.c. 66. Injuries by third parties.— [In case of third-party liability the in jured employee or his dependents must elect between an action for damages and a claim against the employer, i f the latter is chosen, the right to sue passes to the person, fund, or association liable for the payment of compensa tion; if suit is brought, the liability for compensation is limited to the ciinfer ence, if any, between the amount recovered ur.d the benefits provided by the act. Compromise settlements may be made by an employee only with written approval of the person liable for compensation.] Sec. 67. Choice of remedies.— [Applying for, or. with the consent of the com mission, accepting compensation is a waiver of a right lo sue; and bringing suit is a waiver of compensation rights.] Sec. 68. xiatus of judgments.—All judgments obtained in any action prose cuted by the commission or by the State tinder the authority of this act shall have the same preference against the assets of the employer as claims for taxes now have. Sec. 69. Waiting time.—No compensation shall be allowed for the first seven days after the injury is received: Provided, however, That this shall not pre vent disbursement* from the accident: benefit fund and shall not apply to the payment of funeral expenses. S k c . 70. Average monthly wages; dependents.—Every employee in the employ of an employer within the provisions of this act, who shall be injured by acci dent arising out of and in the course of employment, or his dependents, as hereinafter defined, in case of his death, shall be entitled to receive the follow ing compensation on the basis of average monthly wage at time of injury. The term 44average monthly wage *’ shall he construed to mean the average wage paid during and over the month in which such employee shall be killed or injured. In the event that such employee shall he working under a contract with his employer under the terms of which said employee shall be guaranteed any amount per diem or per month, notwithstanding the contract price for such labor, then and in such event said employee or his subordinates or employees working under the terms of said contract, or his or their dependents as here inafter defined in case of death, shall be entitled to receive the following com pensation on the basis only of the guaranteed wage as set out in said contract of employment, whether such amount is paid on a per diem basis or on a monthly basis, provided that in no event shall such basis be less than such wages as are paid to employees for similar work not under contract. (A) Death benefits If the injury causes death, the compensation shall be known as a death benefit, and shall be payable in the amount and to and for the benefit of the persons following: 1. Burial expenses, not to exceed $150, in addition to the compensation pay able under this act. 2. To the widow, if there is no child, 55 per cent of the average wage of the deceased. This compensation shall be paid until her death or remarriage, with two years’ compensation in one sum upon remarriage. 3. To the widower, if there is no child, 35 per cent of the average wage of the deceased, if wholly deiyendent for support upon the deceased employee at the time of her death. This compensation shall be paid until his death or remarriage. TEXT OF LAWS— ARIZONA 99 4. To the widow or widower, if there is a child or children, the compensa tion payable under subdivision (1) or subdivision (2), and in addition the additional amount of 15 per cent of such wage for each child until the age of 18 years, in no case including provision for widow or widower .and children, to exceed 00% per cent of the average wage. In case of the subsequent death of such surviving wife, or dependent husband, a single surviving child of the deceased employee shall have his compensation increased to 25 per cent of such wages; or in the event that there is more than one surviving child, 25 per cent should be paid for one child under 18, and 15 per cent for each additional such child, to be divided among such children share and share alike, but not exceeding a total of 00% per cent of the average wage: Provided, That com pensation on account of any such child ceases when it dies, marries, or reaches the age of 18 years, or if over 18 years and incapable of self-support, becomes capable of self-support. 5. If there be u surviving child or children of the deceased under the age of 18 years, but no surviving wife (or dependent husband), then for the sup port of each child until the age of 18 years, the provisions of the foregoing subsection shall apply. 0. If there be no surviving wife (or dependent husband) or child under the age of 18 years, there shall be paid to a parent, if wholly dependent for sup port upon the deceased employee at the time of his death, 25 per cent of the average monthly wage of the deceased during dependency, with an added allowance of 15 per cent if two dependent parents survive; to the brothers or sisters, under the age of 18 years, if one is wholly dependent, upon the de ceased employee for support at the time of injury causing death, 25 per cent of the average monthly wage for the support of such brother or sister, until of the age of 18 years. If more than one brother or sister is wholly dependent, 85 per cent of the average monthly wage at the time of injury causing death, divided among such dependents share and share alike. If there is no one of them wholly dependent, but one or more partly dependent 15 per cent divided among such dependents share and share alike. 7. In all other cases, questions of total or partial dependency shall be deter mined in accordance with the facts as the facts may be at the time of the injury. If the deceased employee leaves dependents only partially dependent upon bis earnings for support at the time of the injury causing his death, the monthly compensation to be paid shall be equal to the same proportion of the monthly payments for the benefit of persons totally dependent as the amount contributed by the employee to such partial dependents bears to the average wago of deceased at the time of rlie injury resulting in his death. The duration of such compensation to partial dependents shall be fixed by the commission in accordance with the facts shown, but in no case exceed com pensation for .100 months. 8. Compensation to the widow or widower shall be for the use and benefit of such widow or widower and of the dependent children, and the commission may, from time to time, apportion such compensation between them in such way as it deems best for the interest of all beneficiaries. If a dependent to whom a death benefit is to be paid is an alien not residing in the United States, the compensation shall be only 00 per cent, of the amount or amounts above specified, 9. If there be no dependents, the employer or insurance carrier, or the State compensation fund, shall pay the burial expenses of the deceased, as provided herein, and sliali pay into the State treasury the sum of $850. Such payments shall be held in a special fund for the purpose of enabling the commission to provide such additional awards as may be uecessary to enable injured em ployees to accept the benefits of any act that may be passed by the Legislature of Arizona, or the Congress of the United States, or both assemblies jointly, to provide for the promotion of vocational rehabilitation of persons disabled in industry or otherwise, and their return to safe employment. .10. In case of the death of any dependent specified in the foregoing enumera tion before the expiration of the time named in the award, funeral expenses not to exceed $150 shall be paid. ( B) Total disability 1. Temporary total disability: For temporary total disability, if there be no one residing in the United States totally dependent upon the workman at the time of the injury, compensation of 05 per cent of the average monthly wage, 100 WOEKMEN's COMPENSATION LAWS— UNITED STATES but not exceeding 100 months, daring the period of such disability; If there be persons residing in the United States totally dependent for support upon the workman, compensation as provided herein with an additional allowance of $10 per month for such dependents during the period of such disability. 2. Permanent total disability: Jn cases of total disability adjudged to be permanent, compensation of 65 per cent of the average monthly wage, during the life of the injured person. In cases of the following specified injuries, in the absence of proof to the contrary, the disability caused thereby shall be deemed total and permanent. 1. The total and permanent loss of sight of both eyes. 2. The loss by separation of both feet. 3. The loss by separation of both hands. 4. An injury to the spine resulting in permanent and complete paralysis of both legs, or both arms, or one leg and one arm. 5. An injury to the skull resulting in incurable imbecility or insanity. 6. The loss by separation of one hand and one foot shall be deemed a per manent total disability. The above enumeration is not taken as exclusive; and in all other cases permanent total disability shall be determined in accordance with the facts. (C) Partial (Usability 1. Temporary partial disability: For temporary partial disability, 65 per cent of the difference between the wages earned before the injury and the wages which the injured person is able to earn thereafter, for a period not to exceed 60 months during the period of said disability. 2. In case of any of the following specified injuries, the disability caused thereby shall be deemed a permanent partial disability, and compensation of 55 per ccnt or* the average monthly wage shall be paid in addition to the compensation paid for temporary total disability for the period named in the following schedule: ( a ) For the loss of a thumb, 15 months. (b) For the loss of a first finger, commonly called the index finger, nine months. (O For the loss of a second finger, seven months. (d) For the loss of the third finger, five months. ( e ) For the loss of the fourth finger, commonly called the little finger, four months. (/') The loss of a distal, or second phalange, of the thumb, or the distal, or third phalange, of the first, second, third, or fourth finger, shall be considered thumb or linger, and compensation shall be one-half of the amount specified for a permanent partial disability, and equal to the loss of one-half of such thumb or finger, and comimitation shall be one-half of the amount specified for the loss of the entire thumb or finger. (//) The loss of more than one phalange of the thumb or finger, shall be considered as the loss of the entire finger or thumb: Provided, however, That in no case shall the amount received for more than one finger exceed the amount provided in this schedule for the loss of a hand. (h ) For the loss of a great toe, seven months. (i) For the loss of one of the other toes other than the great toe, two and one-luilf months. ( /) However, the loss of the first phalange of any toe shall be considered to be equal to the loss of one-half of such toe, and compensation shall be one-half of the amount above specified. (A) The loss of more than one phalange shall be considered as the loss of the entire toe. (7) For the loss of a major hand, 50 months; the loss of a minor hand, 40 months. ( m) For the loss of a major arm, 60 months; for the loss of a minor arm, 50 months. ( it) For the loss of a foot. 40 months. (o) For the loss of a leg. 50 months. (/>) For the loss of an eye by enucleation, 30 months. (q) The permanent and complete loss of sight in one eye without enuclea tion, 25 months. (?•) For permanent and complete loss of hearing in one ear, 20 months. (#) For permanent and complete loss of hearing in both ears, 60 mouths. TEXT OF LAWS— ARIZONA 101 (t) Tlie permanent and complete loss of the use of a finger, toe. arm. hand, l'oot, or leg may be deemed the same as the loss of any such member by separation. ( m) For the partial loss of use of a finger, toe, arm, hand, foot, leg. or par tial loss of sight or hearing. 50 per cent of the average monthly wage, during that proportion of the number of months in the foregoing schedule provided for the* complete loss of use of such member, or complete loss of sight or hear ing, which the partial loss of use thereof bears to the total loss of use of such member or total loss of sight or hearing. (r) Facial disfigurement: For permanent disfigurement about the head or face, which shall include injury to or loss of teeth, the commission may allow such sum for compensation thereof as it may deem just, in accordance with the proof submitted, for a period not to exceed 18 months. (w) Where the injury causes partial disability for work, the employee shall receive, during such disability, compensation equal to 55 per cent of the dif ference between his average monthly wages before the accident and the monthly wages he Is able to earn thereafter. In no case shall the payments conti-Mie after the disability ends, or death of the injured person, and in case the L'.t.iial disability begins after a period of total disability the period of total disability shall be deducted from such total period of compensation. In determining the percentage of disability, consideration shall be given, among other things, to any previous disability, the occupation of the injured em ployee, the nature of the physical injury, and the age of the employee at the time of the injury. (x ) Where there is a previous disability, as the loss of one eye, one hand, one foot, or any other previous disability, the percentage of disability for a subsequent injury shall be determined by computing the percentage of the entire disability and deducting therefrom the percentage of the previous disability as it existed at the time of the subsequent injury. (//) The commission may adopt a schedule for rating permanent disabilities and reasonable and proper rules to carry out the provisions of this subsection. No compensation shall be payable for the death or disability of an employee, if his death be caused by, or in so far as his disability may be aggravated, caused or continued by an unreasonable refusal or neglect to submit to or follow any competent and reasonable surgical treatment or medical aid. (z) All hernias are considered to be injuries within the provisions of this act causing incapacitating conditions, or permanent disability, and until other wise ordered by the commission, the following rules for rating shall govern hernia cases: Sec. 71. Hernia.— (a) Real traumatic hernia is an injury to the abdominal (belly) wall of sufficient severity to puncture or tear asunder said wall, and permit the exposure or protruding of the abdominal viscera or some part thereof. Such injury will be compensated as a temporary total disability, and as a partial permanent disability, depending upon the lessening of the injured individual's earning capacity. (5) All other hernias, whenever occurring or discovered and whatsoever the cause, except as under (a), are considered to be diseases causing incapacitat ing conditions, or permanent partial disability; but the permanent, partial dis ability and the causes of such are considered to be as shown by medical facts to have either existed from birth; to have been years in formation, or both, and are not compensatory except as hereinafter provided. (c) All cases coming under (&) in which it can be proven, first, that the immediate cause, which calls attention to the presence of the hernia, was a sudden effort or severe strain or blow received while in the course of employ ment; second, that the descent of the hernia occurred immediately following the cause: third, that the cause was accompanied, or immediately followed, by severe pain in the hernial region; fourth, that the above facts were of such severity that the same were noticed by the claimant and communicated imme diately to one or more persons; are considered to be aggravations of previous ailments or diseases, and will be compensated as such for time lost only to a limited extent, depending upon the nature of the proof submitted and tho result of the local medical examination, but not to exceed two months. Sec. 72. Dependents.— (a) The following persons shall be conclusively pre sumed to be totally dependent for support upon a deceased employee: 1. A wife upon a husband whom she has not voluntarily abandoned at the time of the iujury. 102 WOBKMEn's COMPENSATION LAWS— UNITED STATES 2. A husband, mentally or physically incapacitated from wage earning, upon a wife whom he has not voluntarily abandoned at the time of the injury. 3. A natural, posthumous, or adopted child or children, whether legitimate or illegitimate, under the age of 18 years, or over that age if physically or mentally incapacitated from wage earning, upon the parent with whom he or they are living at the time of the injury resulting in the death of such parent, there being no surviving parent. Step-parents may be regarded in this act as parents, if the fact of dependency is shown, and a stepchild or stepchildren may be regarded in this act as a nalural child or children, if the existence and fact of dependency is shown. (&.) Questions as to who constitute dependents and the extent of their dependeRcy shall be determined as of the date of the accident or injury to the employee, and their right to any death benefit shall become fixed as of such time, irrespective of any subsequent change in conditions, and the death bene fits shall be directly recoverable by and payable to the dep< mlent or dependents entitled thereto, or to their legal guardians or trustees. Sec. 73. Waiting time.—No compensation, except accident benelits, shall be paid under this act for an injury which does not incapacitate the employee for a period of at least seven days from earning full wages, but if the in capacity extends beyond the period of seven days, compensation shall begin on the eighth day after the injury: Provided, however, That it’ such disability continues for one week beyond the period of seven days, such compensation shall be computed from the date of the injury. Sec. 74. Assignments, etc.—Compensation payable under this act. whether determined or due, or not, shall not. prior to the issuance and delivery of the warrant therefor, be assignable; shall be exempt from attachment, garnish ment and execution, and shall not pass to another person by operation of the law: Provided, however, That the payments to the consul general, consul, vice consul general, or vice consul, of the nation of which any dependent of a deceased employee is a resident or subject, or a representative of such consul general, consul, vice consul general, or vice consul, of any compensation due under this act to any dependent residing outside of the United States, any power of attorney to receive or receipt for the same to the contrary notwith standing, shall be as full a discharge of the benefits or compensation payable under this act as if payments were made directly to the beneficiary. Sac. 75. Waiver.— [No waiver of rights under the act is valid, nor any agree ment for an employee to pay any part of the employer’s premium except premiums for accident benefits.] SRC. 76. Lump sums.— [The commission may, in its discretion, commute any compensation into a lump-sum payment not in excess of $6>500.] Sec. 77. Medical examinations, etc.— [Workmen entitled to compensation must submit to medical examinations from time to time at reasonably convenient places, as may be provided by the rules of the commission, and may have present a physician provided at their own expense. Refusal or obstruction suspends benefits, “ and no compensation shall be payable during or for account of such i>eriod.” The commission may suspend or reduce compensation in case of persistence in insanitary or injurious practices or the refusal of reasonably essential medical or surgical treatment. Making false statements to obtain benefits is a misdemeanor and a claimant convicted thereof forfeits all right to compensation under the act.l. Skc. 78. Interstate commerce.—The provisions of this act shall apply to employers and their employees engaged in intrastate and also is interstate and foreign commerce for whom a rule of liability or method of compensation has been or may be established by the Congress of the United States only to the extent that their mutual connection with intrastate work may and shall be clearly separate and distinguishable from interstate or foreign commerce. Sec. 79. Reports.— [Employers under the act and physicians attending em ployees within its scope are required to file with the commission full and complete reports of all known injuries in such form as the commission may prescribe. A schedule is to be fixed of physicians* fees, which shall not be exceeded. Physicians may be required to testify, and information obtained while in attendance on injured employees is not privileged if necessary to a proper understanding of the case. On receipt of knowledge of an accident an employer must at once send a physician chosen by him to examine the injured TEXT OF LAWS— ARIZONA 103 man, and sucli examination must be permitted. It is tlie duty of tlie physician to report the character and extent of the injury as ascertained. If the employee or his physician fail to report the accident, or if the employer’s physician is not permitted to make the examination above provided for. no compensation shall he paid for the injury; hut ihe commission may in its discretion relieve of such forfeiture if it appears that the circumstances attending the failure of the employee or his physician to report the injury were sufficient to excuse such failure and the failure will not result in an unwarrantable charge against the State compensation fund or accident benefit fund.J Skc. *u. Claims.— [An injured employee or his dependents must file applica tion for the compensation claimed, together with a certificate of the attending physician, who shall render all necessary assistance in making the application and necessary proof. If change of circumstances warrants a modification of the award application shall similarly be made therefor. No change will affect prior payments. No appJication will be valid or claim thereunder enforceable unless filed within one year after the date of the occurrence of the injury or the accrual of the right to benefits.] Skcs. 81,82. llramivjition of records, etc.— [All books, records, and pay rolls of employers relating to wage expenditure must always be open for inspection by the commission or its agents. Any misrepresentation of pay roll entails a forfeiture of ten times the amount of the difference in the premium in volved.! Skch. 83-80. Enforcement, reports, eic.— [The attorney general or a county attorney under his direction may be called on by the commission to prosecute actions to enforce the law or recover money or penalties due. The State auditor is to audit the books, fund*, etc., of the commission annually, or as often as he may deem necessary. The commission is to make anuual reports to the governor of accidents, administration, finances, etc., and to publish and distribute to employers and employees general information as to its trans actions.] ►Sec. 87. Classifications, etc., to be printed.—The commission shall cause to be printed, in proper form for distribution to the public, its classifications, rates, rules, regulations, and rules of procedure, and shall furnish the same to any person upon application therefor. Skc. 88. Suspension of orders, etc.—No injunction shall issue suspending or restraining any order, award, classification, or rate adopted by the commis sion or any action of any officer required to be taken by them or any of them by and of the provisions of this act, except as herein provided; but nothing herein shall affect any right of defense in any action brought by the com mission or the Stale in pursuance of authority contained in this act. S ec. 81). Construction.—If any employer shall be adjudicated to be outside the lawful scope of this act. the act shall not apply to him or his workman, or if any workman shall be adjudicated to be outside the lawful scope of this act because of the remoteness of his work from the hazard of his employer's work, any such adjudication shall not impair the validity of this act in other respects, and in every such case an accounting in accordance with the justice of the case shall be had of moneys received. Any adjudication or invalidity of any part of this act shall not affect the validity of the act as a whole or any part thereof. Sec. 90. Appeals.— [Appeals to the supreme court may be taken within 30 days after a finding of the commission, limited to questions of action in excess of power, and whether a finding of fact made supports the award under review.] Sec. 91. Procedure.—The commission shall not be bound by the usual com mon law or statutory rules of evidence or by any technical or formal rules of procedure, other than as herein provided; but may make the investigation in such manner as in its judgment is best calculated to ascertain the sub stantial rights of the parties and to carry out justly the spirit of this act. Sec. 92. Payments to minors.—A minor working at an ago legally per mitted under the laws of this State shall be deemed sui juris for the purpose of this act, and no other person shall have any cause of action or right to compensation for an injury to such minor workman, but in the event of the 104 w o r k m e n 's COMPENSATION IAWS— UNITED STATES award of a lump sum of compensation to such minor employee, suclt sun; tSljiili be paid only to tlie legally appoiuted guardian of sueli minor. S ecs. 93-97. [These sections make provisions for contingencies of invalidity or repeal of the law, repeal of the former law, and for its taking effect on adoption of the amendment to the constitution.] Sec. 98. Appropriations.— [The sum of $100,000 is appropriated, $90,000 to the compensation fund and $10,000 to the accident benefit fund, with provi sion for the return of these amounts by installments through a period not exceeding 15 years. A salary and expense fund of $50,000, or so much thoreof as may be necessary, was also appropriated for the year ending June 30, 1927.] CALIFORNIA CONSTITUTION A rticle XX Section 21.—Compensation and insurance legislation TAs amended in 1018, this section authorizes the legislature “ to create and enforce a complete system of workmen’s compensation,” including provisions for comfort, health, and safety, medical, surgical, and hospital treatment, the payment of compensation and its security by insurance, the establishment of a State fund, methods of adjusting disputes, and administration of such a law generally by arbitration, a commission, or the courts, either, any, or all. Findings of a commission are to be subject to review by the appellate courts of the State.] STATUTES Workmen's compensation and insurance1 S e c tio n 1 (1917, ch. 586). Scope and intent.— [This section embodies the declaration of public policy embodied in the amendment of 1918 of section 21 of the State constitution, supra.] Secs. 1, 2. Title.— rThese are taken from the acts of 1913 (ch. 176) and 1917 (ch. 586). respectively, and give the short title of the acts, “ Workmen's com pensation, insurance, and safety.” ] Sec. 3 (1917, ch. 586, as amended 1919, ch. 471). Definitions.—The following terms as used in this act shall, unless a different meaning is plainly required by the context, be construed as follows: (1) The term “ commission ” means the Industrial Accident Commission of the State of California as created under the provisions of chapter 176 of the laws of 1913. (2) The term “ commissioner ” means one of the members of the commission. (8) The term “ compensation” means compensation under this act and includes every benefit or payment conferred by sections 6 to 81. inclusive, of this act upon an injured employee, or in the event of his death, upon his dependents, without regard to negligence. (4) The term “ injury” as used in this act, shall include any injury or dis ease arising out of the employment, including injuries to artificial members. In case of aggravation of any disease existing prior to such injury, compensa tion shall be allowed only for such proportion of the disability due to the aggravation of such prior disease as may reasonably be attributed to the injury. (5) The term “ damages ” means the recovery allowed in an action at law as contrasted with compensation under this act. (6) The term “ person” includes an individual, firm, voluntary association, or a public, quasi public, or private corporation. (7) The term “ insurance carrier” includes the State compensation insurance fund and any private company, corporation, mutual association, reciprocal or interinsurance exchange authorized under the laws of this State to insure employers against liability for compensation under this act and any employer to whom a certificate of consent to self-insure has been issued. (8) Whenever in this act the singular Is used the plural shall be included; where the masculine gender is used the feminine and neuter shall be included. Sec. 3 (1913. ch. 176). Industrial accident commission.— rA board of three members appointed by the governor is to serve four years at $5,000 per year, not more than one member’s term expiring in any year.] 1 Tho originnl act of 1911 was superseded in 1013. ThLs second act was amended in 19J5 and largely recast iu 1917. other changes being made in 1919. 1023. and 1025. The text of these laws has been compiled by the industrial accident commission of the State, and while the form is .said to be without official sanction, it is followed as a careful and complete presentation of existing law. 105 106 WORKMEN^ COMPENSATION LAWS— UNITED STATES Secs. 4-7 (1013, ch. 176). Organisation, powers, etc., of commission.— [The commission selects its own chairman, has a seal, is to maintain offices at San Francisco anti Los Angeles, may appoint an attorney, a secretary, a manager of the State compensation insurance fund, and other officers, assistants, experts, referees, nnd employees as it deems necessary.] S ecs. 4, 5 (1917. ch. 586). Same.— [The commission may appoint an assistant to its attorney and is vested with whatever additional powers the act of 1917 may confer.] Secs. 8-11 (1913, ch. 176). Salaries, expenses, forms, etc.— [Salaries and expenses are to be iixed by law or by the commission. Tlio commission is to provide forms and record books, may charge fees for copies of papers, is to make annual reports to the governor, and may make and distribute from time to time reports and pamphlets relative to its work, and may make and collect reasonable charges for the Kame.] Sec. 6 (1917, ch. 586, a •>amended 1919, ch. 471; 1923, ch. 161). Compensation payable, when.— (a) Liability for the compensation provided by this act, in lien of any other liability whatsoever to any person, shall, without regard to negligence, exist against an employer for any injury sustained by his employees arising out of and in the course of the employment and for the death of any such employee if the injury shall proximately cause death, in those cases where the following conditions of compensation concur: (1) Wlieiv. at the time of the injury, both the employer and employee are subject to the compensation provisions of this act. (2) Where, at the time of the injury, the employee is performing service growing out of and incidental to his employment and is acting within The course of his employment. (3) Where ihe injury is proximately caused by the employment, either with or without negligence, and is not caused by the intoxication of the injured employee, or is not intentionally self-inflicted. (4) Where the injury is caused by the serious and willful misconduct of the injured employee, the compensation i.t her wise recoverable by him shall be reduced one-lialf: Provided, ha in r<-r, That such misconduct of the employee *hail not be a defense to the claim of the dependents of said employee, if the injury results in death, or to the claim ol the employee, if the injury result** in a permanent partial disability equaling or in excess of 70 per cent of total: And provided further, That such misconduct of said employee shall not be a defense where his injury is caused by the failure of the employer to comply with any provision of law, or any safety order of the commission, with refer ence to the safety of places of employment: -4 nd provided further, That in case of an injury suffered by an employee under 16 years of age, it shall be conclu sively presumed that such injury was not caused by serious and willful misconduct. (b) Where such conditions of compensation exist, the right to recover such compensation, pursuant to the provisions of this act, shall be the exclusive remedy agaisnt the employer for the injury or death: Provided, That where the employee is injured by reason of the serious and willful misconduct of the employer, or his managing representative, or if the employer be a partnership, on the part of one of the partners (or a managing representative or general superintendent thereof), or if a corporation, on the part of an executive or managing officer or general superintendent thereof, the amount of compensation otherwise recoverable for injury or death, as hereinafter provided, shall be increased one-half, any of the provisions of this act as to maximum payments or otherwise to the contrary notwithstanding: Provided, however, That said increase of award shall in no event exceed $2,500. (c) In all other cases where the conditions of compensation do not concur, the liability of the employer shall be the same as if this act had not been passed. Sec. 7 (1917, ch. 5S6, as amended 1919, ch. 471). “Employer”—The term “ employer ” as used in sections 6 to 31, inclusive, of this act shall be construed to mean: The State, and each county, city and county, city, school district, irrigation district, all other districts established by law, and all public corpora tions and quasi-public corporations and public agencies therein, and every per son, firm, voluntary association, and private corporation, including any public service corporation, who has any person in service under any appointment or contract of hire, or apprenticeship, express or implied, oral or written, and the legal representative of any deceased employer. TEXT OF LAWS— CALIFORNIA 107 Sec. 8 (1917, ch. 586). Employees included and excluded.— (a) The term 44employee ” as used in sections 6 to 31, inclusive, of this act shall be construed to mean: Every person in the service of an employer as defined by section 7 hereof under any appointment or contract of hire or apprenticeship, express or implied, oral or written, including aliens, and also including minors, whether lawfully or unlawfully employed, and all elected and appointed paid public officers, and all officers and members of boards of directors of qua si-public or private corporations, while rendering actual service for such corporations fof pay, but excluding any person whose employment is both casual and not in the course of the trade, business, profession, or occupation of his employer, and also excluding any employee engaged in household domestic service, farm, dairy, agricultural, vitieuitural, or horticultural labor, in stock or poultry raising, and any person holding an appointment as deputy clerk, deputy sheriff, or deputy constable appointed for the convenience of such appointee, who receives no com pensation from the county or municipal corporation or from the citizens thereof lor services as such deputy: Proi>ided, That such last exclusion shall not de prive any person so deputized from recourse against any private person employ ing him for injury occurring in the course of and arising out of such employ ment. ( b) Any person rendering service for another, other than as an independent contractor, or as expressly excluded herein, is presumed to be an employee within the meaning of this act. The term “ independent contractor *’ shall be taken to mean, for the purposes of this act, any person who renders service, other than manual labor, for a specified recompense for a specified result, under 1he control of his principal as to the result of his work only and not as to the means by which such result is accomplished. A working member of a partner ship receiving wages irrespective of profits from such partnership shall be deemed an employee within the meaning of this section. (e) Tlie term “ casual ” as used in this section shall be taken to refer only 10 employments where the work contemplated is to be completed in not ex ceeding 10 workingdays, without regard to the number of men employed, and where the total labor cost of such work is less than $100. The phrase “ course of the trade, business, profession, or occupation of his employer*’ shall be taken to include all services tending toward the preservation, maintenance, or operation of the business, business premises or business property of the em ployer. The words 44trade, business, profession, or occupation of his employer ” shall be taken to include any undertaking actually engaged in by him with some degree of regularity, the trade names articles of incorporation, or principal busi ness of the employer to the contrary notwithstanding. (d) Watchmen for nonindustrial establishments, paid by subscription by several persons, shall not be held to be employees within the meaning of this act. In other cases where watchmen, paid by subscription by several persons, have at the time of the injury sustained by them taken out and maintained in full force and effect insurance upon themselves as self-employing persons con ferring benefits equal to those conferred by this act, the employer shall not be liable under this act. (©) It shall not be a defense to the State, or any political subdivision or institution thereof, or public or quasi-public corporation, that a person injured while rendering service for it was not lawfully employed by reason of the violation of any civil service or other law, rule, or regulation respecting the hiring of employees. (f) Workmen associating themselves under a partnership agreement the principal purpose of which is the performance of the labor on a particular piece of work, shall be deemed employees of the person having such work executed, and, in the event the average weekly earnings arc not otherwise ascertainable, shall be deemed to be employed at an average weekly wage of $12: Provided, however, That if such workmen shall have taken out and maintained in full force and effect insurauce, in an insurance carrier as defined in this act. insuring to themselves and all persons employed by them benefits identical with those conferred by this act, the person for whom such work is to be done shall not be liable as an employer under this act. Sec. 9 (1917, ch. 586, as amended 1919, ch. 471; 1925, ch. 354). Jienefits.— Where liability for compensation under this act exists, such compensation shall 1965°—26------8 108 w o r k m e n ’s COMPENSATION I.AWS— UNITED STATES bo furnished or paid by the employer and bo as provided in the following schedule: (a) Such medical, surgical, and hospital treatment, including nursing, medicines, medical and surgical supplies, crutches and apparatus, including artificial members, as may reasonably be required to cure and relieve from the effects of the injury, the same to be provided by the employer, and in case of his neglect or refusal seasonably to do so, the employer to lie liable for the reasonable expense incurred by or on behalf of the employee? in providing the same: Provide*.!, That if the employee so requests, (be employer shall tender him one change of physicians and shall nominate at least three addi tional practicing physicians comjjetent to treat the particular case, or as many as may be available if three can not reasonably be named, from whom the employee may choose: the employee shall also be entitled, in any serious case, upon request, to the services of a consulting physician to be provided by the employer: all of said treatment to be at the expense or :he employer. It* the employee so request.*, the employer must procure cer-liicniion by the commission or a commissioner of the competency for the particular ca>*e of the consulting or additional physicians: Prorbled further. Thai the foregoinir pro visions regarding a change of physicians shall not apply lo those cases where the employer maintains, for his own employees, a hospilai and hospiia! staff, the adequacy and competency of which have been approved by the commission. Nothing contained in this section shall be construed to limit the right, of the employee to provide, in any case, at his own expense, a consulting physician or any attending physicians whom he may desire. Controversies between employer and employee, arising under this section, shall be determined by -he commission, upon the request of either p;.rty. (1>) If the injury causes temporary disability, a disability payment which shall be payaWe for one week in advance as wages on the eighth day after th.a injured employe*' leaves work as a result of the injury. Tf the injury <i\uses permanent disability, a disability payment which shall be payable for one week in advance as wages on the eighth day after ihe injury. Such indemnify slinil thereafter be payable on the employer's regular pay day. but not less frequently than twice in each calendar month, unless otherwise ordered by the commission, subject, however, to the following limitations: m If the period of disability does not last longer than seven days from the ./jay the employee leaves work as the result of the injury, no disability payment whatever *hnl! be recoverable. (2) Tf the period of disability lasts longer than seven days from the day the employee leaves work as the result of the injury, no disability payment shall he recoverable for the first seven days of disability suffered. 2. The disability payment shall be as follows: (1) If: the injury causes temporary total disability, (55 per cent of the aver age weekly earnings during the period of such disability, consideration being given to the ability of the injured employee to compete In an open labor market. (2 ) Tf the injury causes temporary partial disability. 65 j>er cent of the weekly loss in wages during the period of such disability. (3) If the temporary disability caused by the injury is at times total and at times partial the weekly disability payment during the period of each such total or partial disability shall be in accordance with paragraphs 1 and 2 of thi* subdivision, respectively. (4) Paragraphs 1, 2. and 3 of this subdivision shall be limited as follows: Aggregate disability payments for a single injury causing temporary disability shall not exceed three times the average annual earnings, of the employee, nor shall the aggregate disability period for such temporary disability in any event extend beyond 240 weeks from the date of the injury. (5) Tf the Injury causes permanent disability, the percentage of disability to total disability shall be determined and the disability payment computed and allowed as follows: For a 1 per cent disability, 65 per cent of the average weekly earnings for a period of four weeks; for a 10 per ceut disability. 65 per cent of the average weekly earnings for a period of 40 weeks; for a 20 per cent disability. 65 per cent of the average weekly earnings for a period of 80 weeks; for a 30 per cent disability, 65 per cent of the average weekly earnings for a period of 120 weeks; for a 40 per cent disability. 65 per cent, of the average weekly earnings for a period of 160 weeks: for a 50 per cent disability, 65 per cent of the average weekly eafilings for a period of 200 weeks: for a 60 per cent disability. 65 per cent of the average weekly earnings for a period of 240 weeks; for a 70 per cent disability, 65 per cent of the average TEXT OF LAWS— CALIFORNIA 109 weekly earnings for a period of 240 weeks, and thereafter 10 per cent of such weekly earnings during the remainder of life; for an 80 per cent disability, C5 per cent of the average weekly earuings for a period of 2i0 weeks and thereafter 20 per cent of such weekly earnings during the remainder of life; for a 00 per cent disability, 05 per cent of the average weekly earnings for a period of 210 weeks and thereafter 30 per cent of such weekly earnings dur ing the remainder of life; for a 100 per cent disability, 05 per cent of the average weekly earnings for a period of 240 weeks and thereafter 40 per cent of such weekly earnings during the remainder of life. (0) The payment for ]>ermanent disabilities intermediate to those fixed by the foregoing schedule shall be computed and allowed as follows: If under 70 per cent. 05 per cent of the average weekly earnings for 4 weeks f>r each 1 per cent of disability; if 70 per cent or over. 05 per cent of the average weekly earuiugs for 240 weeks and thereafter 1 per cent of such weekly ea/uings for frucli 1 per cent of disability In excess of GO per cent to be paid during the remainder of life. (7) In determining the iiercentages of permanent disability, account shall be taken of the nature of the physical injury or disfigurement, the occupation of the injured employee, and his age at the time of such injury, consideration being given to the diminished ability of such injured employee to compete in an open labor market. (8) Where an injury causes both temporary and permanent disability, the injured employee shall not be entitled to both a temporary and permanent disability payment, but only to the- greater of the two. (0) The following permanent disabilities shall be conclusively presumed to be total in character: Loss of both eyes ur the sight Thereof; Jo.-rs of boi.ii hands or the use thereof: an injury resulting in a practically total paraly^i*; an injury to the brain resulting in incurable imbecility or insanity. In ail other cases, permanent total disability shall be determined in accordance with the fact. (10) The percentage of permanent disability caused by any injury shall be so computed as to cover the permanent disability caused by that particular injury without reference to any injury previously suffered or any permanent disability caused thereby. (11) The commission may prepare, adopt, and from time to time amend, a schedule for the determination of the percentages of permanent disabilities, such table to be based upon the proper combinations of the factors lndi<*aied in subdivision seven above. Such schedule shall be available for public in spection and without formal introduction in evidence shall be prirna facie evidence of the percentage of permanent disability to be attributed to each injury covered by said schedule. The death of an injured employee shall not affect the liability of the employer under subsections (a) and (l>) of this section, so far as suel. liability lias accrued and become payable at the date of the death, and any accrued and unpaid compensation shall be paid to the dependents, if auy, or, if there are no dependents, to the personal representative of the deceased employ*';? or heirs or other persons entitled thereto, without administration, but *ueh death shall be deemed to be the termination of the disability. l&) If the injury causes death, either with or without disability, the burial expense of the decensed employee as hereinafter limited and a death benefit which shall be payable in installments equal to 05 per cent of the average weekly earnlugn of the deceased employee, upon the employer's regular pay day, but not less frequently than twice in each calendar month, unless other wise ordered by the commission, which death benefit shall be as follows: (1 > In case the deceased employee leaves a person or persons wholly depend ent upon him for support, such dependents shall be allowed the reasonable expense of his burial, not exceeding $150, and a death benefit, which shall be a sum sufficient, when added to the disability indemnity which at the time of death has accrued and become payable, under the provisions of subsection (b) hereof, and the said burial expense, to make the total disability indemnity, cost of burial and death benefit equal to three times his average annual earn ings, such average annual earnings to be taken at not less than $333.33 nor more than $1,660.06. (2) In case the deceased employee leaves no person wholly dependent upon him for support, but one or more persons partially dependent therefor, the said dependents shall be allowed the reasonable expense of his burial, not 110 w o r k m e n 's COMPENSATION LAWS— UNITED STATES to exceed $150, and in addition thereto, a death benefit which shall amount to three times the annual amount devoted by the deceased to the support of the person or persons so partially dependent: Provided, That the death beneAt shall not be greater than the sum sufficient, when added to tlu? disability indemnity which, at the time of the death, has accrued and become payable under the provisions of subsection (ft) hereof, together with the cost of the burial of such deceased employee, to make the total disability indemnity, cost of burial and death benefit equal to three times his average annual earn ings, such average annual earnings to be taken at not less than $333.33 nor more than $1,066.66. (3) If the deceased employee leaves no person dependent upon him for support, the employer shall be liable for the reasonable expense of his burial, not exceeding $150 and such other benefit as may be provided by law. (d) Payment of compensation in accordance with the order and direction of the commission shall discharge the employer from all claims therefor. Sec. 10 (1917, ch. 586). Employers’ hospitals.— [Hospitals maintained by employers or by mutual associations of employees for the treatment of injuries coming within the provisions of this act are subject to inspection by the com mission. No contributions or deductions from employees’ wages for the main tenance of hospital facilities may be used to pay any part of the compensation provided by this act; but hospital associations may supply the treatment required by the act free of charge. Such hospitals must report on demand and at least once a year as to their operations, and may be declared inadequate and other treatment required.] Sec. 11 (1017, ch. 586). Claims.— (« ) Unless compensation is paid or an agreement for its payment made within the time limited in this section for the institution of proceedings for its collection, the right to Institute such proceed ings shall be barred: Provided, That the filing of an application with the com mission for any portion of the benefits prescribed by this act shall render this section inoperative as to all further claims of any person or persons for com pensation arising from the same transaction, and the right to present such further claims shall be governed by the provisions of section 20 ( d) and sec tion 65 (ft) of this act. (ft) The periods within which proceedings for the collection of compensation may be commenced are as follows: (1) Proceedings for the collection of the benefit provided by subsection (a) of section 0 or for the collection of the disability payment provided by subsec tion (ft) of said section 9 must be commenced within six months from the date of the injury, except as otherwise provided in this act. (2) Proceedings for the collection of the death benefit provided by subsec tion (o) of said sec*ion 9 must be commenced within one year from the date of death, and in any event within 240 weeks from the date of the injury, and can only be maintained when it appears that death ensued within one year from the date of the injury, or that the injury causing death also caused disability which continued to the date of the death and for which a disability payment was made, or an agreement for its payment made, or proceedings for its collec tion commenced within the time limited for the commencement of proceedings for the recovery of the disability payment. (o) The payment of compensation, or any part thereof, or agreement there for, shall have the effect of extending the period within which proceedings for its collections may be commenced, six months from the date of the agreement or last payment of such compensation, or any part thereof, or the expiration of the period covered by any such payment: Provided, hoiccver, That nothing contained in this section shall be construed to bar the right of any injured employee to institute proceedings for the collection of compensation within 245 weeks after the date of the injury upon the grounds that the original injury has caused new and further disability; aud the jurisdiction of the com mission, in such cases, shall be a continuing jurisdiction at all times within such period: Provided further, That the provisions of this section shall not apply to an employee who is totally disabled and bedridden as a result of his injury, during the continuance of such condition or until the expiration of six months thereafter. (d) If an injured employee, or in the case of his death, one or more of his dependents, shall be under 21 years of age or incompetent at any time when any right or privilege accrues to such person under the provisions of this act, a general guardian, appointed by the court, or a guardian ad litem or trustee appointed by the commission or a commissioner may, on behalf of any sucli TEXT OF LAWS— CALIFORNIA 111 person, claim and exercise any such right or privilege with the same force and effect as if no such disability existed; and no limitation of time provided by this act shall run against any such person under 21 years of nge or incompetent unless and until such guardian or trustee is appointed. The commission shall have power to determine the fact of the minority or incompetency of any injured employee and may appoint a trustee to receive and disburse compensa tion payments for the benefit of such minor or incompetent and his family. (e) No compensation shall be payable in case of the death or disability of an employee if his death is caused, or if and so far as his disability is caused, continued, or aggravated, by an unreasonable refusal to submit to medical treatment, or to any surgical treatment, the risk of which is, in the opinion of the commission, based upon expert medical or surgical advice, inconsider able in view of the seriousness of lhe injury. (f) The fact that an employee has suffered a previous disability, or re ceives compensation therefor, shall not preclude him from compensation for a later injury, or his dependents from compensation for death resulting there from, but in determining compensation for the later injury, or death resulting therefrom, his average annual earnings shall be fixed at such sum as will reasonably represent his annual earning capacity at the time of the later injury. (y) Any payment, allowance, or benefit received by the injured employee during the period of his incapacity, or by his dependents in the event of his death, which by the terms of this act was not then due and payable, or when there is any dispute or question concerning the right to compensation, shall not, in the absence of any agreement, be construed to be an admission of liability for compensation ou the part of the employer, or the acceptance thereof as a waiver of any right or claim which the employee or his dependents may have against the employer, but any such payment, allowance, or benefit may be taken into account by the commission in fixing the amount of the com pensation to be paid. (h) The running of the period of limitations prescribed by this section is an affirmative defense and operates to bar the remedy and not to extinguish the right of the employee. It may be waived, and failure to present such defense prior to the submission of the cause for decision shall be a sufficient waiver. Sec. 12. (3017, ch. 586). Aver aye earnings.— (a) The average annual earn ings referred lo in section 9 hereof shall be fifty-two times the average weekly earnings referred to in said section; in computing such earnings the average weekly earnings shall be taken at not less than $6.41 nor more than $32.05, and three; times the average annual earnings shall be taken at not less than $1,000 nor more than $5,000, and between said limits said average weekly earnings shall be arrived at as follows: (1) If the injured employee has worked in the same employment, whether for the same employer or not. during at least 260 days of the year preceding his injury his average weekly earnings shall consist of 95 per cent of six times the daily earnings at the time of such injury where the employment is for six full working-days » week. Where his employment is for five, five and one-half, six and one-lialf, or seven working-days a week the average weekly earnings shall be 95 per cent of five, live and one-half, six and one-half, or seven times the daily earnings at the time of the injury, as the case may be. (2) If the injured employee has not so worked in such employment during at least 260 days of such preceding year, his average weekly earnings shall be based upon the daily earnings, wnge, or salary of an employee of the same class working at least 260 days of such preceding year in the same or a similar kind of employment in the same or a neighboring place, computed in accordance with the provisions of the preceding subdivision. (8) If the earnings be irregular or specified to be by the week, month, or other period, then the average weekly earnings mentioned in subdivisions (1) and (2) above shall be 95 per cent of the average earnings during such period of time, not exceeding one year, as may conveniently be taken to de termine an average weekly rate of pay. (4) Where the employment is for less than five days per week or is sea sonal or where for any reason the foregoing methods of arriving at the average weekly earnings of the injured employee can not reasonably and fairly be applied, such average weekly earnings shall be taken at 95 per cent of such sum as shall reasonably represent the average weekly earning capacity 112 w o r k m e n ’s COMPENSATION IAWS— UNITED STATES of the injured employee at the time of his injury, due consideration being given to his actual earnings from all sources and employments during the year preceding his injury: Provided, That the earnings from other occupa tions shall not be allowed iu excess of the rate of wages paid at the time of the injury. (o> in determining such average weekly earnings, there shall be included overiime and the market value of board, lodging, fuel, and other advantages received by the injured employee as part of his remuneration which can be estimated in money, but such average weekly earnings shall not iuclude any sum which the employer may pay to the injured employee to cover any special excuses entailed ou him by the nature of his employment. (<•) If the injured employee is under 21 years of age and his incapacity is permanent his average weekly earnings shall be deemed, within* the Ihnits fixed, to be the weekly sum that under ordinary circumstances he would probabi; be able to earn after attaining the age of 21 years in the occupation in which he was employed at the time of tiie injury or in any occupation io which he would reasonably have been promoted if he had not been injured, and if such probable earnings after attaining the age of 21 years can not reasonably be determined, such average weekly earnings shall be based upon S3 a day for a 6-day week. LSt:c. 18 (3917, cli. 580). Waye loan.—The weekly loss in wages ii* case of temporary partial disability shall consist of the difference herween the average weekly earnings of the injured employee, computed according to the provisions of section 9, and the weekly amount which i lie injured employee will probably be able to earn during the disability, to be determined In view- of the nature and extent of the injury. In computing such probable earnings due regard shall be given ro the ability of the injured employee to compete in an open labor market. If evidence of exact loss of earnings be lacking, such weekly loss in wages may he compiled from the proportionate loss of physical ability or earning power caused by the injury. tfEt. 1*1 ‘ 11)J7, cli. 5m:». as amended 191*?, ch. 471). Dependent*.—(a) The following shall be conclusively presumed to be wholly dependent for suj.porl upon a deceased employee: Provided, That these presumptions shall not apply in favor of aliens who are nonresidents of the United States at the time of the injury: i.l) A wife upon a husband with whom she was living at the time of bis injury or for whose support such husband was legally liable at the time of his injury. (2) A child or children under the age of 18 years, or over said age. but physically or mentally incapacitated from earning, upon the parent wicli whom he or they are living at the time of the injury of such parent or for whose maintenance such pareut was legally liable at the time of injury, there being no surviving dependent parent. lb) In all other cases, questions of entire or partial dependency and ques tions as to who constitute dependents and the extent of their dependency shall be determined in accordance with the fact as the fact may be at the time of the injury of the employee. <c) No person shall be considered a dependent of any deceased employee unless in good faith a member of the family or household of such employee, or unless such person bears to such employee the relation of husband or wife, child, xK>sthumous child, adopted child or stepchild, father or mother, father-inlaw or mother-in-law, grandfather or grandmother, brother or sister, uncle or aunt, brother-in-law or sister-in-law, nephew or niece. <(I) 1. If there is one or more persons wholly dependent for support upon a deceased employee, such person or persons shall receive the entire death benefit, and any jwnson or persons partially dependent snail receive no part thereof. 2. If there is more than one such person wholly dependent for support upon a deceased employee, the death benefit shall be divided equally among them. 3. If there is more than one person partially dependent for support upon a deceased employee, and no person wholly dependent for support, the amount allowed as a death benefit shall be divided among the persons so partially dependent in proportion to the relative extent of their dependency. tcj The commission may, anything in this act contained to the contrary not withstanding, set apart or reassign the death benefit to any one or more of the dependents in accordance with their respective needs and as may he just and equitable, and may order payment to a dependent subsequent in right, or not iTEXT OF LAWS— CALTFORXIA 113 otherwise entitled, upon good cause being shown therefor. Such death benefit shall be paid to such one or more of the dependents of the deceased or to a trustee appointed by the commission or a commissioner for the benefit of the person or persons entitled* as may be determined by the commission. The per son to whom the death benefit is paid for the use of the several beneficiaries shall apply the same in compliance with the findings and directions of the com mission. In the event of the death of a dependent beneficiary of auy deceased employee, if there be no surviving dependent, the death of such dei>endenl shall terminate the death benefit, which shall not survive to the estate of su'-h de ceased dependent, except that payments of such death benefit accrued anu pay able at the time of the death of such sole remaining dependent shall be paid upon the order of the commission to the heirs ot* such dependent or. if none. i.t» the heirs of the deceased employee, without administration. Sec. 15 (1017, ch. 580). Aotice of injury.—No claim to recover compensation under this act shall be maintained unless within 30 days after the occurrence of rhe injury which is claimed to have caused the disability or death, notice in writing, stating the name and the address of the person injured, the time and the place where the injury occurred, and the nature of the injury, and algned by the person injured or some one in his behalf, or, in case of his death, by a dependent or some one in his behalf, shall be served upon the employer: Provided, however, That knowledge of such injury, obtained from auy source, on the part of such employer, his managing agent, superintendent, foremau. or oilier person in authority, or knowledge of the assertion of a claim of injury suilicicnt to afford opportunity to the employer to make an investigation iiuo the facts, shall be equivalent to such service: And provided further, That the failure to give any such notice, or any defect or inaccuracy therein, shall not he a bar to recovery under this act if it is found as a fact in the proceedings Tor the collection of the claim that there was no intention to mislead or prejudice the employer in makiug his defense and that he was not in fact so misled or prei\idiced thereby. Sko. 16 (1917, ch. 586). Mvdical examination.— [Employees entitled to com pensation under this act mu:t Mibmifc to medical examination at reasonable time, on request of the employer, or under the direction of the commission. The employee may also have u physician present. Refusal or obstruction sus pends the right to be^in or maintain proceeding.-: for the collection of o.nnpensation; and if the commission has directed the examination, payments ac cruing during the period of such refusal or obstruction are barred, IMiy^icb.ns making, or present at, such examinations may be required to testify as to the results.] Skos. 17 (1917, ch. 586, as amended 1919, ch. 471) ; 18 (1917, ch. 586, as amended 1928, ch. 197) ; 19-23 (1917, ch. 586). Procedure.—[These s c io n s prescribe the forms of hearings, the jurisdiction of the commission, declare the right of a claimant to proceed against the estate of an employer in the event of his death, provide for attachments to issue on application of a claimant, in the discretion of the commission, etc. Formal pleadings are not required; appearance may be in person or by au agent or attorney; cases may be submitted on a basis of stipulated facts: the nature of evidence that may be received is set forth; and the burden of proof is declared to iie on the party holding the affirmative of an issue, and specifically where an employer claims that the injured person was an independent contractor or otherwise outside the act if he was at the time actually performing service for the alleged %mployer, or where intoxication, willful misconduct, aggravation of the Injury by unreasonable conduct of the employee, or prejudice by failure to give the required notice is offered as a defense. Autopsies may be ordered on a proper representation. Findings and award must be made in 30 days after final hearings. Juris diction is continuing, and orders may, on proper notice and opportunity for hearing, be rescinded, altered, or amended as good cause therefor may ap pear. A certified copy of findings and award may be filed with a clerk of court and constitute a judgment roll. Stay of execution may be allowed by the commission or a member for good cause, and orders, awards, etc., are subjeer to review by the courts as specified in sections 67, 68. No fees are allowed except for docketing and for certified copies of transcripts of awards as judgments. Costs are in the discretion of the commission; if benefits have been unreasonably delayed, the beneficiary may be allowed interest not ex ceeding IV2 per cent per month during the period of delay.] 114 WORKMEN'S COMPENSATION LAWS— UNITED STATES S ec . 24 (1917, ch. 580, a s » mended, 1919, ch. 471; 1923, ch. 881; 1925, ch. 255). Assignments; status of claims, etc.— (a) No claim for compensation shall be assignable before payment, but this provision shall not affect the survival thereof, nor shall any claim for compensation, or compensation awarded, ad judged, or paid, be subject to be taken for the? debts of the party entitled to such compensation, except as hereinafter provided. No compensation, whether awarded or voluntarily paid, shall be paid to any attorney at law, or in fact, or other agent, but shall be paid directly to the claimant entitled to the same, unless otherwise ordered by the commission. Any payment made to such at torney at law or in fact or other agent in violation of the provisions of this section shall not bo credited 1o the employer. [Other subsections authorize a lien against an award for a reasonable attor ney’s fee, medical, etc., benefits, living expenses of the injured employee or his dependents, burial expenses not above $150, and reasonable living expenses of a desorted or neglected wife or minor children or both, subsequent to the in jury; prescribe procedure as to such lien claims, limit legal and mcdical charges thus enforceable to an amount declared reasonable by the commission, authorize the exclusion of other representatives of claimants than recognized attorneys at law, and give compensation claims find awards the same prefer ence as is allowed claims for wages.] Sec. 25 (19.17, ch. 580). Liability of principal and contracting employers.— [This section undertook to give employees of contractors and subcontractors recour.se to the principal employer in cases of injury occurring on the premises of the latter or under his control uuless the immediate employer maintained full compensation insurance; or proceedings might be against both the im mediate employer and such principal, but payment in whole or in part by either to that extent barred recovery against the other. It was declared unconstitutional in so far as it attempted to award compensation against a third person, not the employer of the injured employee (Pacific Gas & Electric Co. v. Ind. Ac. Com. (1919), 180 Calif. 497, 181 Pae. 788).] Sec. 26 (1917. ch. 586, as amended 1919, ch. 471). Injuries by third parties.— The term ‘ employee,*' as used in this section, shall include the person injured and any other person in whom a claim may arise by reason of the injury or death of such injured person. The death of the employee, or of any other person, shall not abate any right of action established by ihis section. The claim of an employee for compensation shall not. affect his right of action for damages arising out of injury or death against any person other than the employer; and any employer having paid, or having become obligated to pay, compensation, may likewise bring an action against such other i>erson to re cover said damages. If either such employee or such employer shall bring such action against such third person, he shall forthwith notify the other in writing, by personal service or registered mail, of such fact and of the name of the court in which such suit is brought, filing proof thereof in such action, and if the action be brou/cht by either, the other may, at any time before trial on the facts, join as party plaintiff or must consolidate his action, if brought independently. If the suit be prosecuted by the employer alone evidence of any expenditures which the employer has paid or become obligated to pay by raison of said injury or death shall be admissible, and such expenditures shall be deemed a part of the damages, including a reasonable attorney’s fee to be fixed by the court; and if in such suit the employer shall recover more than the amount he has paid or become obligated to pay as compensation he shall pay the excess to the injured employee or other person entitled. If the employee joius in or prosecutes such suit, evidence of the amount of disability indemnity or death benefit paid by the employer shall not be admissible, but proof of all other expenditures on account of said injury or death shall be admissible and shall be deemed part of the damages. The court shall, on application, allow as a first lien against any judgment recovered by the em ployee the amount of the employer's expenditures for compensation. When any injury or death shall have been suffered by an employee, no release or settlement of any claim for damages by reason of such injury or death and no satisfaction of judgment in such proceedings, shall be valid without the writ ten consent of either both employer and employee, or one of them, together with the consent of the commission or the court in which any such action may be pending. Sec. 27 (1917, ch. 586, as amended 1923, ch. 379). Waivers; compromises.— [Contracts or rules exempting employers from the obligations of this act are forbidden, but this does not prevent releases or compromises that provide for TEXT OF LAWS— CALIFORNIA 116 full payment according to this act, or that are approved by the commission. The agreement must stipulate its terms in detail and be duly executed and attested.] Sec. 28 (1917, ch. 586). Lump sums.— (a) At the time of making its award, or at any time thereafter, the commission, on its own motion, either with or without notice, or upon application of either party with due notice to the other, may, in its discretion, commute the compensation payable under this act to a lump sum, if it appears that such commutation is necessary for the protection of the person entitled thereto, or for the best interest of either party, or that it will avoid undue expense or hardship to either party or that the employer has sold or otherwise disposed of the greater part of his assets, or is about to do so, or that the employer is not a resident of this State, and the commission may order such compensation paid forthwith or at some future time. (b) The amount of the commuted payment shall be determined in accord ance with the following provisions: (1) If the injury causes temporary disability, the commission shall esti mate the probable duration thereof and the probable amount of the temporary disability payments therefor, in accordance with the provisions of section 9 hereof, and shall fix the lump sum payment at such amount so determined. (2) If the injury causes permanent disability or death, the commission shall fix the total amount of the permanent disability payment or death benefit ]>ayable therefor in accordance with the provisions of said section 9 and shall estimate the present value thereof, assuming interest at the rate of 6 per cent per annum, disregarding the probability of the beneficiary’s death in all cases except where the percentage of permanent disability is such as to entitle the beneficiary to a life pension, and then taking into consideration the probability of the beueficiary’s death only in estimating the present value of such life pension. (c) The commission in its discretion may order the lump sum payment, determined as hereinbefore provided, paid directly to the injured employee or his dependents or deposited with any savings bank or trust company author ized to transact business in this State that will agree to accept the same as a deposit bearing interest, or the commission may order the same deposited with the State compensation insurance fund. Any such amount so deposited, to gether with all interest derived therefrom, shall thereafter be held in trust i'or the injured employee or, in the event of his death, for his dependents, and the latter shall have no further recourse against the employer. Payments from said fund, when so deposited, shall be made by the trustee only in the same amounts and at the same time as fixed by order of the commission and until said fund and interest thereon shall be exhausted. In the appointment of the trustee preference shall be given, in the discretion of the commission, to the choice of the injured employee or his dependents. Upon the making of such payment, the employer shall present to the commission a proper receipt evidenc ing the same, executed either by the injured employee or his dependents, or by the trustee, and the commission shall thereupon issue its certificate in proper form evidencing the same, and such certificate, upon filing with the clerk of the superior court in which any judgment upon an award may have been entered, shall operate as a satisfaction of said award and shall fully discharge the employer from any further liability on account thereof. {d) The commission may, where the employer is uninsured and the pay ments of compensation awarded are to be paid for a considerable time in the future, determine the present worth of said future payments, discounted at the rate of 3 per cent per annum, and order the said present worth paid into the State compensation insurance fund, which fund shall thereafter pay to the beneficiaries of said award the future payments as they become due. Sec. 29 (19.17, ch. 586, as amended 1919, ch. 47.1; 1925, ch. 800). Security of payments.— [Employers except the State and its subdivisions and institutions must secure the payment of compensation by insurance with an authorized insurance carrier, or by obtaining from the commission a certificate permitting self-insurance, in which ease a bond or securities may be required. Such cer tificate may be revoked at any time for good cause shown. Failure to secure the payment of compensation is a misdemeanor. The em ployee may submit a claim under the act and may also sue such employer for damages the same as if the act did not apply, and is thereupon entitled to an attachment, in an amount fixed by the court, to secure the payment of any judgment that may be obtained, to include also a reasonable attorney's fee. 116 w o r k m e n 's COMPENSATION LAWS— UNITED STATES ]£ damages exceed the compensation award, such award shall he credited on the judgment. In such action it will be presumed that the injury grew out of the negligence of the employer, and the common-law defenses are barred.] S e c s . 30. 31 (1017, ch. 586). Insurance.— [Insurance in mutual and other companies Is permitted, but nothing may be received or taken from the earn ings of any employee to cover the cost of compensation under this act; nor may the liability therefor be reduced by reason of any insurance or other benefit receivable by any person entitled to compensation. But the payment of all or any part of the compensation provided for by the act by either the employer or the insurer will to that extent relieve the other. Policies must contain a provision for direct and primary liability to the em ployee or his dependents, and that notice, knowledge, and jurisdiction of the employer are binding on the insurer, as are also awards rendered against the employer: also that the employee has a first lien on payments to the employer, and if the employer is legally incapacitated to receive payments they shall be paid directly to the beneficiary, the insolvency of the employer not relieving the insurer for liabilities accruing during the period the policy remains in operation. Acceptance by the insurer of the liability to compensation arising out of an Injury received relieves the employer of such liability, but the substitution does not abate proceedings in respect of any claim instituted. If the insurer has assumed or met the liabilities of an employer under the act, it is subrogated to all rhe rights and duties of such employer, and may enforce the same in its own name. If any policy contains any limitation as to the compensation payable, it shall be so stated in the policy, in bold-faced type, the words, “ limited compen sation policy ” to be also printed on the top of the policy. No policy shall protect the employer against the liability existing under the provisions of section 8(6 ).] S ec. 82 (1917, ch. 58G). State fund unaffected.—Nothing contained in rhis act shall be taken or construed to limit, interfere with, disturb, or render ineffec tive in any degree, the creation, existence, organization, control, management, contracts, rights, powers, duties, and liabilities of the State compensation insur ance fund, but all such matters and things are hereby expressly confirmed, saved, and continued. Sko. 36 (1913, ch. 176, as amended 1915, ch. 607). Creation of State fund.— There is hereby created and established a fund to be known as the “ State compensation Insurance fund,” to be administered by the industrial accident commission of the State, without liability on the part of the State beyond the amount of said fund, for the purpose of insuring employers against liability for compensation under this act and against the expense of defending any suit for damages under the optional provisions of section 12 hereof (subdivision ft), and insuring to employees and other persons the compensation fixed by this act for employees and their dependents. S eo. 37 (.1913, ch. 176, as amended 1915, ch. 607). State insurance fund.— (er) The State compensation insurance fund shall be a revolving fund and shall consist of such specific appropriations as the legislature may from time to time make or set aside for the use of such fund, all premiums received and paid into the said fund for compensation insurance issued, all property and securities acquired by and through the use of moneys belonging to said fund and all interest earned upon moneys belonging to said fund and deposited or invested, as herein provided. (b) Said fund shall be applicable to the payment of losses sustained on ac count of insurance and to the payment of the salaries and other expenses to be charged against said fund in accordance with the provisions contained in this act. (c ) Said fund shall, after a reasonable time during which it may establish a business, bo fairly competitive with other insurance carriers, and it is the intent of the legislature that said fund shall ultimately become neither more nor less than self-supporting. In order that the State compensation insurance fund shall ultimately become neither more nor less than self-support lug, the actual loss experience and expense of the fund shall be ascertained on or about the 1st of January in each year for the year preceding, and should it then be shown that there exists an excess of assets over liabilities, such liabilities to include the necessary reserves, and a reasonable surplus for the catastrophe hazard, then, in the discretion of the commission, a cash dividend shall be TEXT OF LAWS— CALIFORNIA. 117 declared to, or a credit allowed on the renewal premium of each employer who has been insured with the fund, sueh cash dividend or credit to be such an amount to which, as in the discretion of the commission, such employer may be entitled as the employer's proportion of divisible surplus. Sec. 38 (J918, <*h. Power* of commix*ion.— (a) The commission is hereby vested with full power, authority and jurisdiction over the Slate com* pensation insurance fund and may do and perform any and all things whether herein specifically designated, or in addition thereto, which are necessary op coincident in the exercise of any power, authority or jurisdiction over said fund in the administration thereof, or in connection with the insurance business to be carried on by it under the provisions of this act, as fully rind completely as the governing body of a private insurance carrier might or could do. (b) The commission shall have full power and authority, and ic shall be its duty, to fix and determine the rates to be charged by the State compensa tion insurance fund for compensation insurance, and to manage and conduct all business and affairs in relation thereto, all of which business and affairs shall be conducted in the name of the State compensation insurance fund, and in ihai name, without any other mime or title, the comml.ttion may: (1) Sue and be sued in all the courts of the State in all actions arising out of any act. deed, matter or thing made, omitted, entered into, done, or suffered in connection with the State compensation insurance fund, the administration, manwMuenr or conduct o f the bJisine.'.* o r affairs relating therein. (2) Make and enter into contract# of insurance as herein provided, and such other contracts or obligations relating to the State compensation insurance fuud as are authorized or permitted under the provisions of this act. (3) Invest and reinvest the moneys belonging to said fund as hereinafter provided. (4) Conduct all business and affairs, relating to the State compensation in surance fund, whether herein specifically designated or in addition Thereto, (c) The commission may delegate i.o the manager of the State compensa tion insurance fund, or to any other ofiVer, under such rules and regulations and .subject to such conditions as it may from time to time prescribe, any of the powers, functions or duties, conferred or imposed on the commissi*.u under the provisions of this act in connection with the State compensation insurance fund, the administration, management and conduct of the business and a'Tuirs relating thereto, and the officer or officers to whom such delegation is made n11*.v exercise tho powers and functions and perform rhe duties delegated with the seme force and cffect as the commission, but subject to its approval. (d) The commission shall nor., nor shall any commissioner, officer or employee thereof, be personally liable In his private capacity for or on account of any act perfoim* d or contract or other obligation entered into or undertaken in an official capacity, in good faith and without intent to defraud, in connection with the administration, management or conduct of the State compensation in surance fund, its business or other affairs relating thereto. Skc. 5JI) (1913. eh. 176). Power* of nwnayer.—In conducting Ilie business and affniis of the State compensation insurance fund, the manager of the said fund or other officer to whom such power and authority may be deleiraled by the commission, as provided by subsection (c) of section thereof, shall have full power and authority: O) To enter into contracts of insurance, insuring employers against lia bility for compensation and insuring to employees and other persons the com pensation fixed by this act. (2) To sell annuities covering compensation benefits. (3) To decline to insure any risk in which tho minimum requirements of the commission with regard to construction, equipment and operation are not observed, or which is beyond the safe carrying of the State compensation insurance fund, but shall not have power or authority, except as otherwise provided in this subdivision, to refuse to insure any compensation risk ten dered with the premium therefor. (4) To reinsure any risk or any part thereof. (5) To inspect and audit, or cause to be inspected and audited the pay rolls of employers applying for insurance against liability for compensation. (6) To make rules and regulations for the settlement of claims against said fund and to determine to whom and through whom the payments of compensa tion are to be made. 118 w o r k m e n 's COMPENSATION LAWS— UNITED STATES (7) To contract witli physicians, surgeons, and hospitals for medical and surgical treatment and the care and nursing of injured person* entitled to benefits from said fund. Sec. 40 (1917, ch. 176). Rates, hoiv fixed.— (a) It shall be the duty of the commission to fix and determine the rate** to be charged hy the State com pensation insurance for compensation insurance coverage as herein provided, and such rates shall be fixed with due regard to the physical hazards of each industry, occupation, or employment and, within each class, so far as practi cable, in accordance with the elements of bodily risk or safety or other hazard of the plant or premises or work of each insured and the manner in which the name is conducted, together witli a reasonable regard for the accident experience and history of each such insured, and the means and methods of caring for injured persons, but such rates shall take no account of the extent to which the employees in any particular establishment have or have not persons dependent upon them for support. ( b) The rates so made shall be that percentage of the pay roll of any em ployer which, in the long run and on the average, shall produce a sufficient sum, when invested at 8% per cent interest: (1) To carry ail claims to maturity; that is to say. the rates shall be based upon the “ reserve ” and not upon the “ assessment ” plan: (2) To meet the reasonable expenses of conducting the business of such insurance; (8) To produce a reasonable surplus to cover the catastrophe hazard. S ec. 41 (1913. ch. 376). Forms of policy.—The insurance contracts entered into between the State compensation insurance fund and persons insuring therewith may be either limited or unlimited, and issued for one year or, in the form of stamps or tickets or otherwise, for one month or any number of months less than one year, or for one day or any number of days less than one month, or during the performance of any particular work, job, or contract: Provided, That the rates charged shall be proportionately greater for a shorter than for a longer period and that a minimum premium charge shall be fixed in accordance with a reasonable rate for insuring one person for one day. Nothing in this act shall be construed to prevent any person applying for com pensation insurance from being covered temporarily until the application is finally acted upon, or to prevent the insured from surrendering any policy at any time and having returned to him the difference between the premium paid and the premium at the customary short term for the shorter period which such policy has already run. The State compensation insurance fund may at any time cancel any policy, after due notice, upon a pro rata basis of premium repayment. Sko. 42 (1913, ch. 176). Who may be insured.—The State compensation in surance fund may issue policies, including with their employees, employers who perform labor incidental to their occupations, and including also members of the families of such employers engaged in the same occupation, such policies in suring to such employers and working members of their families the same compensations provided for their employees, and at the same rates: Provided, That the estimations of their wage values, respectively, shall be reasonable and separately stated in and added to the valuation of their pay rolls upon which their premium is computed. Such policies may likewise be sold to selfemploying persons and to casual employees, who, for the purpose of such in surance, shall bo deemed to be employees within the meaning of sections 12 to So. inclusive, of this act. Skcs. 43-45 (1913, ch. 176). Custody of fund: invcxhnents.— [The treasurer of the State is custodian of the fund, liable under his official bond for its safe-keeping. No part of the fund may bo disbursed without first passing into the State treasury, and being drawn therefrom. Monthly estimates of ex penditures are to bo submitted by the commission to the State hoard of control, and if approved, the controller draws his warrant therefor on the fund. Monthly accounts are to be rendered, and semiannual valuations are required of all properties and securities held. Moneys in excess of current requirments are to be invested in authorized securities, or deposited in banks authorized to receive State deposits.] Secs. 46. 47 (3933, ch. 176, as amended, 1915, ch. 607). Municipalities.— FCities, counties and other public or quasi-public corporations may insure only in the State fund unless refused by it, and premiums therefor are a proper charge against their general funds. When the premium rates have been estab* TEXT OP LAWS— CALIFORNIA 119 lislied, the commission is to inform the proper officials thereof, and they shall then make application for insurance in the fund, and transmit the premiums.] Sec. 48 (1913, ch. 176). Reports.— [The commission is to make quarterly reports to the governor of the business, assets and liabilities of the fund, which reports are to be audited and published one or more times in at least t:\vo newspapers of general circulation in the State.] S ec. 49 (1913, ch. 176). Misrepresenting pan roll.—Any employer who shall willfully misrepresent the amount of the pay roll upon which his premium under this act is to be based shall be liable to the State in ten times the amount of the difference in premium paid and the amount the employer should have paid had his pay roll been correctly computed, and the liability to the State under this section shall be enforced in a civil action in the name of the State compensa tion insurance fund and any amount so collected shall become a part of said fund. S ec . 50 (1913, ch. 176). Fraud.—Any person who willfully misrepresents any fact in order to obtain insurance at less than the proper rate for such insurance, or in order to obtain any payments out of such fund, shall be guilty of a misde meanor. [ Here follow sections 33 to 54 of chapter 586, Acts o f 1917. They relate to safety provjHlonst. inspections, accident reporting and investigation, and are printed in Bulletin Xo. 370, Labor Laws of the United StaU*. pp. 214-219.1 S ecs . 55-66 (1917, ch. 586). Procedure.— [Injuries covered by the act are within the exclusive jurisdiction of the industrial commission, subject only to reveiw by the courts as provided herein. Notices, orders or decisions may be served in accordance with the provisions of the Code of Civil Procedure, and the secretary, assistant secretaries and inspectors appointed by the commis sion have power as to arrests and warrants conferred by law upon peace officers. The commission has full power and authority to establish its own rules of practice and procedure, to provide for the appearance and representa tion of minors and incompetents, to regulate and prescribe the nature and extent of proofs and evidence, regulate notices, provide for joinder of parties, etc. It has jurisdiction over all controversies arising out of injuries suffered outside of the State where the contract of hire was made within the State. (The act limited this provision to employees resident of the State at the time of the injury, but this limitation was held unconstitutional as discriminating between citizens of that State and other States. Quod? Ham Wah Co. v. Ind. Ac. Com. (1920), 184 Cal. 26, 192 Pac. 1021.} Applications may be referred to referees b> agreement ol the parties, on application of either, or on motion of the commission; but a party may object to the appointment of any person as referee on grounds specified in the Code of Civil Procedure, and such objection must be heard and disposed of by the commission. Referees are to have the powers and jurisdiction granted under the lav/ and by the rules of the commission, and must report separately on facts found and conclusions of law within 15 days after the testimony is closed *, or they may be required to hold hearings and make return of testimony only. Hearings are to be had in accordance with the rules adopted by the commis sion, and are not bound by the common law or statutory rules of evidence and procedure, but may follow methods best calculated to ascertain the substantial rights of the parties and carry out justly the spirit and provisions of the act. Depositions may be procured either within or without the State, witnesses sub poenaed, oaths administered, etc. The local superior court has power to compel the attendance of witnesses, the giving of testimony, and the production of papers, books, accounts and documents. It may also issue orders relative to contempts at the instance of the commission, ltehearings are provided for on motion of a party affected by any final order, award, rule, etc., on compliance with the specified requirements. A verified statement, must be made and served on all adverse parties, who may file an answer within 10 days thereafter. The commission may on such rehearing abrogate, change or modify the objectionable award or order, but unless the application for rehearing is acted upon within 30 days from the date of filing it will be deemed to have been denied, though an extension may be allowed for good cause shown. Application for rehearing must be filed within 20 days after the service of the final order or decision, objected to, and may be based on the grounds that the commission acted with out or in excess of its powers, that the order or award was procured by fraud, that the evidence does not justify the findings of fact, that new and material evidence has been discovered, not with reasonable diligence discoverable by the 120 WORKMEN'S COMPENSATION LAWS— UNITED STATES applicant at the time of the hearing, or that the findings of fact do not support the order, decision or award.] S k c s . 67, 68 (3917, ch. 586). Appeals to court.— [Within 30 days after denial of rehearing or a rendition of the decision on a rehearing a party affected may appeal to the appellate or supreme court of the State for a writ of certiorari or review to secure a determination of the lawfulness of the original decision or award. Such review is limited to a determination of whether or not the commission acted in excess of its powers, whether the order or award was secured by fraud, was unreasonable, or whether findings of fact made support the order, decision, or award under review. Findings and conclusions of the commission on questions of fact are not subject to review. The filing of an application for rehearing stays proceedings, unless other wise ordered by the commission, for a period of 10 days, and further stay or suspension may be allowed duriug the pendency of the rehearing: but the filing of an application for a writ of review, or the pendency of such writ does not of itself stay or suspend the operation of the law. though such suspension may be allowed in the discretion of the court on terms prescribed by it. However, a written undertaking must be executed by the iietitioner, with sureties, to secure the payment of the award, order, or judgment or such part thereof as is affirmed, with all damages- and costs. The provisions of the Code of Civil Procedure not inconsistent with this act are applicable to this undertaking.} Skc. 09 (1917, ch. 586). (Jomtruciion of act.— (a) Whenever this act, or any pan or section thereof, is interpreted by a court, it shall be liberally construed by such court with the purpose of extending the benefits of the act for the protection of persons injured in the course of their employment. ( h) If any section, subsection, subdivision, sentence, clause, or phrase of this act is for any reasou held to be unconstitutional, such decision shall not affect the validity of the remaining portions of this act. The legislature hereby de clares that it would have passed this act, and each section, subsection, subdi vision, sentence, clause, or phrase thereof, irrespective of the fact that any one or more sections, subsections, subdivisions, sentences, clauses, or phrases is declared - unconstitutional. (a) This act shall not be construed to apply to employers or employments which, according to law. are so engaged in interstate commerce as wot to be subject to the legislative power of the State, or to employees injured while they are so engaged, except in so far as this act may be permitted to apply under the provisions of the Constitution of the United States or the acts of Congress. Skc. 70 (1917, ch. 586). Excluded employments.— [Employers of employees not entitled to compensation under this act may, by joint election, come within Its provisions. Such election is made by the employer by writing filed with the commission, valid for one year and for succeeding years unless withdrawn at least 60 days prior to the termination of any year. Election by the employees of an electing employer is presumed in the ahseuce of written notice to the employer to the contrary. The State and its subdivisions and institutions are conclusively presumed to have elected to come wirbin the provisions of the net as to all employments otherwise excluded therefrom. J S kc . 88 (1913, ch. 176). Reports.— [The commission is required to m ake annual reports of its operations, with such recommendations as it may deem of value, the report to be printed and furnished to applicants within the State.] COLORADO ACTS OF 1915 C hapter 180.—Industrial commission Section 5. Commission created.—There la hereby created a board which shail be known as the “ Industrial Coin mission of Colorado/' Within 30 days after the passage of this act the governor, by and with the consent. o€ the senate, shall appoint one member whose term of office shall expire March 1, 1917; a second member whose term of office shall expire March 1, 1919; and a third member whose term of office shall expire March 1, 1921. Upon the ex pi ra tion of each appointment the governor shall appoint meml>ers of the commis sion, by and with the advice and consent of the senate, for terms of .six years each. Vacancies shall be filled in the same manner for unexpired terms. Not more than two of the commissioners shall be members of the samo political party. Not more than one of the appoint?'1* to such commission -i, ni be a person who, on account of ills piovioux tuCflUuii, ejii(ilo,»iuoiii. or Hii-n-itions, can be classed as a representative of employers, and not more than one of such appointees shail be a person who, on account of his previous vocation, employment, or affiliations, can he classed as a representative of eniplo\oes. Each member of the commission, before entering upon the duties of ills office, shall take the oath prescrib'd ;>y ihe constitution, and shall give Rond and sufficient bond running to the pcopie of ihe Stare of Colorado, in ?he penal sum of $10,000. conditioned that he shall faithfully discharge the d^k-s of his office and shall account for and pay over to the person entitled thereto such moneys as shall come into his possession; said bond shall he stoned »»y a surety company only authorized to do business in this State or !> y iw> or more individuals as surety or suteties' and shall ije suujcc*. «:o approval :>y the {.governor and shall then be filed wi*h *in* secretary of slate. If surely company bonds shall be furnished, the premium therefor shall be paid by the State as other expenses of the commission are paid. In case of a vacancy the remaining two members of the commission shall exercise all the powers and authority of the commission until such vacancy is tilled. Each member of the commission shall receive an annual salary of not to exceed $4,(tf>0 a?vi actual expen.^s necessarily incurred In tr-- performance o’ isis duties. whu:ii shall be in full for all services performed. The commissioners shall :.:»vo?e their entire time to the duties of their office. A majority of said commissioners shall constitute a quorum to trausnct business and for the exercise of any of the powers or authority conferred by this act. ACTS OF 19.19 C hapter 210.—Compensation of workmen for injury S ection 1. Title.—This act shall be known and may be cited as Workmen’s Compensation Act of Colorado/' Sec. 2. Administration.—The industrial commission of Colorado, created by the act of the General Assembly of Colorado, shall enforce and administer the provisions of this act. The said commission, in the administration of this act shall be governed by its provisions if there be conflict between the same and the provisions of the act creating said commission. Sec. 3. Definitions.—The terra “ commission ” when used in this act shall mean the industrial commission of Colorado. Sec. 4. Number mid vender.—Unless the context otherwise requires, a word used in this act in the singular number shall also include the plural; and the masculine gender shall include feminine and neuter. Sec. 5. Order.—The term “ order” shall mean and include any decision, finding and award, classification, rate, rule, regulation, direction, requirement or standard of the commission, or any other determination arrived at or decision made by such commission. 121 122 WOBKAIKn ’ s COMPENSATION LAWS— UNITED STATES Sec. C. Place of employment.—The term ••place of employment ’* shall mean and include every place whether indoors or outdoors or underground, and the premises, work places, works and plants appertaining thereto or used in connection therewith, where either temporarily or permanently any industry, trade, or business is carried on, or where any process or operation directly or indirectly relating to any industry, trade, or business is carried on, or where any person is directly or indirectly employed by another tor direct or indirect gain or profit, except as otherwise expressly provided in this act. Sec.7. Employment.—The term “ employment” shall mean and include any trade, occupation, job, or position, or process of manufacture, or a»y method of carrying on any such trade, occupation, job. or position, or process of manu facture in which any person may be engaged, except as otherwise expressly provided in this act. Sec. 8. Employer.—The term “ employer” shall mean and include: (a) The State, and each county, city, town, irrigation, drainage, and school district therein, and all public institutions and administrative boards thereof without regard to the number of persons in the service of any such public employer: And provided, That all such public employers shall be at all times subject to the compensation provisions of this act. (h) Every person, association of persons, firm and private corporation (in cluding any public service corporation), personal representative, assignee, trustee, or receiver, who has four or more persons engaged in rhe same business or employment (except as otherwise expressly provided in this act), in service under any contract of hire, express or implied, and who, at or prior to the time of the accident to the employee for which compensation is claimed under this act, has elected to become subject to the provisions of this act, and who shall not. prior to such accident, have effected a withdrawal of such election in the manner provided in this act. (c) This act is not intended to apply to employers of private domestic servants or farm and ranch labor, nor to employers who employ less than four employees in the same business, or in or about the same place of employment: Provided, That any such employer may elect to accept the provisions of this act in the manner herein provided. Sec. 9 (as amended .1928, ch. 202). Employee.—The term 1employee " shall mean and include: (a) Every person in the service of the State, or of any county, city, town, irrigation, drainage, or school district therein, or any public institution or administrative board thereof, under any appointment or contract of hire, express or implied, except an elective official of the State, or any county, city, town, irrigation, drainage, or school district therein, or of any public institu tion or administrative board thereof: except all officers and enlisted men of the National Guard of the Stale of Colorado. Policemen and firemen shall be deemed employee*;, within the meaning of this paragraph: Provided, That any policeman or fireman, or if killed, any dependent, claiming compensation under this act shall have deducted from such compensation any sum which such policeman or fireman, or their dependent, may receive from any pension or any benefit fund to which the State or municipality may contribute, except, however, that in case such injury shall result in a permanent disability, includ ing a loss, or loss of use, or partial loss of use of any member or members as set forth in section 73 of this act, the compensation therefor shall be paid said injured employee without deduction on account of any payment from such pension or benefit fund. (b) Every person in the service of any other person, association of persons, firm, private corporations, including any public service corporation, personal representative, assignee, trustee, or receiver, under any contract of hire, express or implied, including aliens and also including minors, whether lawfully or unlawfully employed (who for the purpose of this act shall be considered the same, and shall have the same power of contracting with respect to their employment, as adult employees), but not including any persons, who are expressly excluded from this act or whose employment is but casual and not in the usual course of trade, business, profession, or occupation of his employer. Sec. 10. Interstate commerce.—The provisions of this act shall not apply to common carriers engaged in interstate commerce nor to their employees. Sec. 11. Loaned employees.—Where an employer, who has accepted the provi sions of this act and has complied therewith, shall loan the service of any of his employees who have accepted the provisions of this act, to any third person, TKXT OF LAWS— COLORADO 123 he shall he liable for any comi>enKution thereafter for any injuries or death of tsaid employee as in this act provided, unless it shall appear from the evidence in said ease that said loaning constitutes a new contract of hire, express or implied, between the employee whose services were loaned and the person to whom he was loaned. S ecs . 12, 18 (as amended 1923, ch. 201). 14. Abrogation of defenses.— [In suits for damages for personal injuries to employees the defenses of assump tion of risks and fellow service are abrogated, also that there was Jack of ordinary care on the part of the injured employee if such want of care was not willful. Employers accepting the provisions of this act are not subject to the foregoing provision, nor to a n y other liability whatsoever for injuries or death of employees other than as herein provided. If an accepting em ployer is sued by an employee who rejects the provisions of this act he may plead the common law defenses unaffected by this and other statutes.] S ec . 15. Application of act.—The right to the compensation provided for in this act, in lieu of any other liability whatsoever, to any and all persons whom soever, for any personal injury accidentally sustained or death resulting there from, on and after August 1. 1915, shall obtain in all eases where the following conditions occur: (a) Where, at the time of the accident, both employer and employee are subject to the provisions of this act; and where the employe]* has complied with the provisions thereof regarding insurance. (b) Where, at the time of the accident, the employee is performing service arising out of and in the course of his employment. (c) Where the injury or death is proximately caused by accident arising out of and in the course of his employment, and is not intentionally selfinflicted. S ec. 16 (as amended 1923, ch. 201). Election presumed.-—Every employer of four or more employees (not including private domestic servants and farm and ranch laborers), engaged in a common employment, shall be conclusively presumed to have accepted the provisions of this act, unless, prior to the date such employer becomes the employer of four or more persons, he shall have filed with the commission a notice in writing to the effect that he elects not to accept the provisions of this act or unless said employer has rejected the provisions of the workmen’s compensation act of Colorado in conformity with the provisions of said act as heretofore existing. S ec. 17 (as amended 1923, ch. 201). Voluntary election.— [Any employer, re gardless of number of employees or of occupation, may come under the act by insuring his liability thereunder as herein provided Withdrawal may be effected by notice given June 1, effective August 1 of any year, conspicuously posted; an employer so withdrawing may at any time elect to come under the act by filing notice or by insuring.] S ec . 18 (as amended 1923, ch. 201). Employees' acceptance.— [Employees of employers accepting the act are presumed to have accepted it, in the absence of written notice to the employer and the commission.] S ec . 19. Suits barred.— [Acceptance of the act is a waiver by both parties of any other remedy or action at law, and is binding on personal representa tives, next of kin, and those conducting an employer’s business in case of bankruptcy or insolvency.] S ec. 20. Notice of nonelection.— [Employers not coming under the act must give notice thereof by conspicuously posting notices to that effect and give similar notice of any change. J S ecs . 21, 22 (as amended 1923, ch. 201), 23-26, 27 (as amended 1923, ch. 201), 28. Insurance.— [Employers accepting the act must secure the payment of compensation by Insuring in the State fund, in an authorized stock or mutual corporation, or by procuring a self-insurance permit from the commission. The State and its subdivisions and agencies must insure in the State fund. In surance contracts are subject to the provisions of this act, and inconsistent pro visions are void. Forms of policies must be approved by the industrial com mission of the State, which shall prescribe a standard or universal form as nearly as possible for all contracts, indorsements, riders, etc. Companies must file classifications of risks and premiums relative thereto, which are not effective until approved. Such approval may be withdrawn at any time. Bebating and the cutting of rates are forbidden. 1965°—20------9 124 WORKMEN'S COMPENSATION LAWS— UNITED STATES Policies and contracts of insurance must provide that the company is di rectly and primarily liable to the employee or his dependents, and that no tice or knowledge on the part of the employer is notice to the insurance com pany, which is bound by and subject to all orders, findings, or awards rendered against the employer under the provisions of the act. Legal incapacity or in solvency or bankruptcy of the employer shall not relieve the insurance carrier. If an employer is not Insured, or has allowed his insurance to terminate, the employee or his dependents may claim compensation under the act, the bene fits to be increased 50 per cent. When compensation is awarded, the employer shall be required to pay to a designated trustee the present value of all unpaid benefits computed at the rate of 4 per cent per annum, or file a bond with sureties guaranteeing the payment of the benefits awarded. In default of these, a certified copy of t be award may be filed with the clerk of the district court of any county in llie State, and when recorded shall have the effect of a judgment on which execution may be issued. Insurance carriers operating under the act may apply to the commission for permission to examine books, pay rolls or other documents of employers in sured by such carrier, or of contractors and others covered by the insurance, to disopver the amount of wage expenditure of such insured persons.] S ec . 29. Self-insurance.— [The right to self-insurance may be granted under rules, regulations, and conditions prescribed by the commission, subject to re vocation at any time.] S ecs . 80-33. Notices and reports.— [Employers are required to keep a record of all injuries to their employees and report the same to the commission within 10 days on prescribed forms. Employees must notify employers of injuries received within 2 days if physically and mentally able to do so, unless the employer or his representative has actual notice of the injury. Failure for feits one day’s compensation for each day's delay, but if anyone reports the accident for the employee within the time specified, he is relieved from re porting the accident. Employers must furnish all information required by the commission, which shall be for its confidential use unless otherwise ordered, and shall not be open to the public nor used in auy legal proceeding unless the commission is a party thereto. The commission may require information requested by it to be verified under oath.] JSkcs. 34-40. General powers.— [The commission has general powers with re gard to safety inspection, the collection of statistics, the examination of books and pay rolls, and the enforcement of orders and subpoenas through the agency of the district court. Order* are valid and prlma fade reasonable until found otherwise in an action brought for the purpose, and shall not be declared inoperative on technical grounds. Rules and regulations may be adopted with regard to employers, employees and insurance carriers, effective within 10 days after adoption and posting. The commission may employ deputies, experts, actuaries, clerks, and other employees needed to (tarry out the provisions of the act or for the performance of its duties, and may conduct any number of investigations through agents and referees delegated to such work, who shall have power to subpoena and swear witnesses and take all testimony necessary. Officers and employees of the State and its subdivisions are required to enforce in their respective departments all lawful orders of the commission applicable and consistent with their general duties, also to make reports, furnish statistics and other data relative to the purposes of the act and the duties of the com mission.] S ec . 47. Computation, of wages.— T h e average w eekly w age o f the in ju red em ployee sh all be taken a s the basis upon which to com pute benefits and shall be determ ined as f o llo w s : (a) Whenever the term “ wages” is used it shall be construed to mean the money rate at which the services rendered are recompensed under the contract of hire in foi^ce at the time of the accident, either express or implied, and shall not include gratuities received from employers or others, nor shall it include the amounts deducted by the employer under the contract of hire for material, supplies, tools, and other things furnished and paid for by the employer and necessary for the performance of such contract by the employee; but the term “ wages ” shall include the reasonable value of board, rent, housing, lodg ng, or any other similar advantages received from the employer, the reasonable value of which shall be fixed and determined from the facts by the commission in each particular case. TEXT OF LAWS— COLORADO 125 (&) The total amount earned by the injured or killed employee in the six months preceding the accident shall be computed, which sum shall be divided by 20, and the result thus ascertained shall be considered as the average weekly wage of said injured or deceased employee, for the purpose of computing the benefits provided by this act, except as hereinafter provided. (c) Provided further, however, That in any case where the foregoing method of computing the average weekly wage of the employee by reason of the nature of the employment or the fact that the injured employee has not worked a sufficient length of time to enable his earnings to be fairly computed thereunder or has been ill or in business for himself, or where for any other reason said methods will not fairly compute the average weekly wage, the commission may in each particular case compute the average weekly wage of said employee by taking the daily earnings at the time of the accident or compute it in such other manner and by such other method as will in the opinion of the commis sion, based upon the facts presented, fairly determine such employee's average weekly wage. (d) Where an employee is a minor the average weekly wage of such minor shall be determined by this commission on the basis of the earnings that such minor, if not disabled or killed would probably have earned during the period for which compensation is granted. Sex;. 48. Second injuries.—The fact that an employee has suffered a previous disability or received compensation therefor, shall not preclude compensation for a later injury or for death; but in determining compensation for the later injury or death his average weekly earnings shall be such sum as will reason* ably represent his average weekly earning capacity at the time of the latter injury and shall be arrived at according to and subject to the limitations in the foregoing sections. S ec. 49. Contractors and lessees.— [Persons, companies, and corporations leas ing or contracting part or all their work are classed as employers of the con tractors, subcontractors, lessees and their employees, all of whom are to be classed as employees under the act. Such employers are entitled to recover the cost of insurance from the lessees, contractors, subcontractors, etc., and may deduct the same from the contract price, royalties, or other money due. But if the contractor, subcontractor, lessee, or sublessee is himself an employer within the terms of this act and has insured his liability thereunder, tlio person, company or corporation is not subject to the provisions of this section.) S e c . 50. Oumet s of real property.— [This section applies the same provisions as above to owners of real property or improvements thereon contracting work to a contractor or a subcontractor who hires four or more workmen, including himself, in the peformance of such contract.] S kc. 51. Medical, surgical, and hospital aid.—Every employer regardless of his method of insurance shall furnish such medical, surgical, nursing and hospital treatment, medical hospital and surgical supplies, crutches and apparatus, as may reasonably be needed at the time of the injury and thereafter during the disability, but not exceeding 60 days from the date of the accident and $200 in value to cure and relieve from the effects of the injury: Provided, however, That every employer subject to the terms and provisions of this act must injure his liability for the medical, surgical, and hospital expenses herein pro vided for, unless permission is given by the industrial commission to such employer to operate under a medical plan as hereinafter set forth. Every plan which is iu force at the time of the adoption of this act, or which is hereafter agreed to between employer and employee, for the furnishing of medical, surgical, and hospital treatment whether the employee is to pay any pa it of the expense of such treatment or not shall before being put into effect, receive the approval of the industrial commission, which shall have full power and authority to formulate the terms and conditions under which any such plan may operate and the essentials thereof, and it may at any time order modifications or changes in any said plan or withdraw its approval thereof: Prmnded, however, That no plan shall be approved by the commission which relieves the employer from the burden of assuming and paying for any part of the medical, surgical, and hospital services and supplies hereinabove re quired. The commission shall have the power to establish a schedule fixing the fees for which all medical, surgical, and hospital treatment rendered to employees under this section shall be compensated. 126 w o r k m e n 's COMPENSATION LAWS— UNITED STATES Skc. 52. Dependents.— For the purposes of this act the following described persons shall be conclusively presumed to be wholly dependent: (a) Wife, unless it be shown that she was voluntarily separated and living apart from the husband at the time of his injury or death and was not depend ent in whole or in part on him for support. (b) Minor children of the deceased under the age of 18 years. The term “ minor child” shall include posthumous children or a child legally adopted prior to the injury. S ec . 53 (as amended 1923, ch. 201). Degree of dependency.—Children 18 years of age or over, husband, mother, father, grandmother, grandfather, sister, or brother, who were wholly or partially supported by the deceased employee at the time of his death and for a reasonable period of time immediately prior thereto, shall be considered his actual dependents. If such dependents be a son or brother 18 years of age or over, a husband, father, or grandfather, to be entitled to compensation, they must prove that they were incapable of or actually disabled from earning their own living during the said time: Pro vided, however, If said incapacity or disability is temporary only, compensation shall be paid only during the period of such temporary incapacity or dis ability. Sec. 54 (as amended 1923, ch. 200). Benefits for death.— In case of death, the dependents of deceased entitled thereto shall receive as compensation or death benefits 50 per cent of the deceased employee’s average weekly wages not to exceed a maximum of $12 per week and not less than a minimum of $5 per week, for a period not to exceed six years from the date of the death of the injured employee, less any sums paid to tho employee prior to his death as compensation for his disability as in this act provided. S ec . 55. Remarriage.—In the case of remarriage of the husband or wife of a deceased employee without children he or she shall receive at the time of marriage, a lump sum settlement without commutation equal to one-half of the amount of compensation then remaining unpaid: Provided, however, That if such husband or wife has had a lump sum or lump sums granted to him or her during a six months period immediately preceding said remarriage* the lump sum settlement shall be determined by following basis: The commission shall determine the amount of compensation which would have been unpaid at the date of remarriage under the terms of the award if a lump sum or lump sums had not been granted within said six months period. From one-half of said sum the commission shall then deduct the actual amount paid to such husband or wife on all lump sums granted during said six months period and the balance of said one-half, if any, shall be paid to said husband or wife at the time of remarriage without commutation. In case of remarriage of husband or wife of a deceased employee, who has a dependent child or children, the entire unpaid balance of compensation shall be paid such child or children. Sf.c. 50. Partial dependents.—Partial dependents shall be entitled to receive only that portion of the benefits provided for those wholly dependent which the average amount of the wages regularly contributed by the deceased to such partial dependents at and for a reasonable time immediately prior to the injury bore to the total income of the dependents during the same time. The commission shall have the power and discretion to determine the proper elements to be considered as income of said dependents in each particular case. Where there are persons both wholly dependent, and partially depend ent, only those wholly dependent shall be entitled to compensation. Sec. 57 (as amended 1923, ch. 201). Dependency; payments.—The question as to who constitute dependents and the extent of their dependency shall be determined as of the date of the accident to the injured employee and the right to death benefits shall become fixed as of said date irrespective of any subsequent change in conditions, and such death benefits shall be directly payable to the dependent or dependents entitled thereto or to such i>erson legally entitled thereto as the commission may designate. In case of the death of an employee or claimant entitled to compensation leaving dependents, any accrued and unpaid portion of the compensation or benefits up to the time of the death of such employee or claimant shall be paid to such dependents as may be ordered by the commission and not to the legal representative as such of said decedent. In case said injured employee or claimant leaves no dependents the commission may order the application of any accrued and unpaid benefits up to the time of the death of such em TEXT OP LAWS— COLORADO 127 ployee or claimant paid upon the expenses of the last sickness or funeral of such decedent as may be ordered by the commission, the preference in such payment to be to funeral expenses. In case an injured employee or dependent of a deceased employee entitled to benefits hereunder is declared incompetent or insane, any benefits accrued or to accrue may be paid to the conservator of his estate, if any, or to his dependents, if any, or to the party or institu tion having custody of the person of such injured employee or dependent of a deceased employee as may be ordered by the commission in its discretion. Sko. 58 (as amended 1923. ch. 201). Lapse of benefits.—Death benefits shall terminate upon the happening of any of the following contingencies and shall thereupon survive to the remainiug dependents, if any, to w it: (a) Upon marriage. (b) Upon the death of any dependent. (*?) When a son or brother of the deceased reaches the age of 18 years, except as otherwise provided in section 53 hereof. S ec . 59 (as amended 1923, ch. 200). Funeral expenses, etc.—When as a proximate result or an accident death occurs to an injured employee, there shall be paid in one lump sum within 30 days after his death the sum of $125 for his reasonable funeral and burial expenses. Said sum may be paid to the undertaker, or to any other person who may have paid the undertaker, if the commission so orders. If the employee leaves no dependents compensa tion shall be limited to said sum, and the compensation, if any, which lias accrued to date of death, and the medical, surgical, and hospital expenses herein provided. If the deceased employee leaves dependents said sum shall be paid in addition to all other sums of compensation herein provided for. Sec. 60. Rights.—No dependent of an injured employee shall be deemed, dur ing the life of the employee, a party in interest to any proceeding by him for the enforcement of any claim for compensation nor as respects any settlement thereof by said employee. Sec. 01. Illegitimate children.—Illegitimate minor children of deceased puta tive father shall be entitled to compensation in the same respect as a legiti mate minor child of said decedent when it is proved to the satisfaction of the commission that the father has, during his lifetime, acknowledged said child or children to be his and has regularly contributed to its or their support and maintenance for a reasonable period of time prior to his death. Sec. 62. Death after two years.—In case death occurs more than two years after the date of receiving of any injury such death shall be prima facte presumed not to be due to such injury. Sec. 03 (as amended 1923, ch. 200). Death within two years.—In case death proximately results from the injury within a period of two years, the benefits shall be in the amounts and to the persons following: (a) If there be no dependents compensation shall be limited to the expenses provided for medical, hospital, and funeral of deceased, together with such sums as may have accrued or been paid to deceased during his lifetime for disability. (&) If there are wholly dependent persons at the time of death the pay ment shall be 50 per cent of the average weekly wages, subject to the limita tions of this act as to maximum and minimum weekly amount, and to continue lor the remainder of the period from the date of the death and not to exceed six years after the date of injury, and not to amount to more than a maxi mum of $3,750, less the sums, if any, paid to deceased during his lifetime. (c) If there are partly dependent persons at the time of the death, the payment shall be not to exceed 50 per cent of the average weekly wages subject to the limitations of the minimum and maximum weekly amount and to continue for such portion of six years after the date of the injury as shall be required to pay at the said weekly rate, the total amount awarded by the commissio.n to be paid to such partial dependent or partial dependents. Seo. 64 (as amended 1923, ch. 200). Death from other cause.—If death occurs to an injured employee other than as a proximate result of accident before disability indemnity ceases, and the deceased leaves a person or persons wholly dependent upon him for support, death benefits shall be as follows: (a) Where the accident proximately caused permanent total disability, the death benefit shall consist of the unpaid and unaccrued portion of the perma nent total disability benefit which the employee would have received had he lived until he had received the sum of $3,750. 128 w o r k m e n 's COMPENSATION LAWS— UNITED STATES (b) Where the accident proximately caused permanent partial disability, the death benefit: shall consist of the unpaid and unaccrued portion of the permanent partial disability benefit which the employee would have received had he lived. Sec. 05 (as amended 1923, ch. 200). Same.—If death occurs to an injured employee other than as proximate result of the accident before disability in demnity ceases, and the deceased leaves a person or persons partially de pendent upon him for support, death benefits shall be as follows: (</) Where the accident proximately caused permanent total disability, the death benefit shall consist of that proportion of the unpaid and unaccrued portion of the permanent total disability benefit which the employee would have received had he lived until he had received the sum of $3,750 as the amount devoted by the deceased for the support of such person or persons for the year immediately prior to the accident bears to the total income of the person or persons during said year. (b) Where the accident caused permanent partial disability the death benefit shall consist of that proportion of the unpaid and unaccrued portion of the permanent partial disability benefit which the employee would have re ceived if he had lived, as the amount devoted by the deceased to the support of such person or persons for the year immediately prior to the accident bears to the total income of the person or persons during said year. Sec. 60 (as amended 1928. ch. 201). Nonresident aliens.— [Payments to non resident dependents are to be one-fourth the amounts provided in the act. They may he made directly, or, at the direction of the commission, to a duly accredited consul, vice consul or consular agent.] S ec . 67. Mode of payment.—Death benefits shall be paid to such one or more of the dependents of the decedent for the benefit of all the dependents entitled to such compensation as may be determined by the commission who may appor tion the benefits among such dependents in such manner as it may deem just and equitable. Payment to a dependent subsequent in right may be made, if the commission deems it proper, which payment shall operate to discharge all other claims therefor. The dependents or persons to whom benefits are paid shall apply the same to the use of the several beneficiaries thereof, according to their respective claims upon the decedent for support in compliance with the finding and direction of the commission. S ec . 68. Minor children.— In all cases o f death w here the dependents are one or m ore m inor children, it sh all be sufficient fo r the w idow or a friend to muke application and claim on b eh alf o f said m inor children. T he com m ission, fo r the purpose o f protecting the righ ts and in terests o f any dependent w hom it m a y deem incapable o f fu lly protecting h is or her ow n interewrs. m a y provide fo r the m anner and method o f safegu ard in g the paym ents due such dependent or dependents in such m anner a s it m ay see fit. S ec . 69. Payment as discharge.—Payment of death benefits o one <>r more dependents shall protect and discharge to that extent all compensation under this act, unless and until any other person claiming to be a dependent shall have given the commission notice of bis claim and until the commission shall have notified the employer or his insurance carrier of such claim. In such case the commission shall determine the respective rights of the said rival claimants, and thereafter such death benefits shall be paid to such dependents as it may find so entitled, under the provisions of this act. S ec . 70 (a s amended 1923, ch. 200). Disability benefits.—If the accident causes disability, a disability indemnity shall be payable as wages, upon the 18th day after the injured employee leaves work as the result of the injury and thereafter regularly but not less frequently than once in each calendar month, unless otherwise ordered by the commission, subject, however, to the following limitations: ( a ) If the period of disability does not last longer than 10 days from the day the employee leaves work as the result of the injury, no disability indem nity whatever shall be recoverable except the disbursement in this act provided for medical, surgical, nursing, and hospital services, apparatus and supplies; nor in any case unless the commission has actual knowledge of the injury or is notified thereof within the period specified in this act. (b) If the period of disability lasts longer than 10 days from the day the injured employee leaves work as the result of the injury no disability indem nity shall be recoverable for the first 10 days of disability. S ec . 71 (as amended 1923, ch. 200). Temporary disability.—In case of tem porary disability of more than 10 days* duration, the employee shall receive 50 129 TEXT OP LAWS— COLORADO per cent of liia average weekly wages so long as such disability Is total not to exceed a maximum of $12 per week and not less than a minimum of $5 per week unless the employee’s wages shall be less than $5 per week, in which event he shall receive compensation equal to his average weekly wages. S ec . 72 (as amended 1923, ch. 200). Temporary partial disability.—In case of injury resulting in temporary partial disability, the employee shall receive 50 per cent of the impairment of his earning capacity during the continuance thereof, not to exceed the maximum sum of $12 per week, or the aggregate sum of $1,560. S ec. 73 (as amended 1923, ch. 201). Schedule.—In case an injury results in a loss set forth in the following schedule the injured employee shall, in addition to compensation to be paid for temporary disability receive compensation for the period as specified, to wit: Weeks The loss of an arm between elbow and shoulder_____________ 208 The loss of forearm between wrist and elbow________________ :!39 The loss of a hand_________________________________________101 The loss of a thumb and the metacarpal bone thereof_______ 50 The loss of a thumb at the proximal joint___________________ 35 The loss of a thumb at the second or distal joint____________ 38 The loss of an in*?ox finger and the metacarpal bone thereof_2(» The loss of an im-ex finger at the proximal joint____________ 18 Loss of an index linger at the second joint__________________ 13 Loss of an index linger at the distal joint___________________ 9 Loss of a second linger and the metacarpal bone thereof------- 18 Loss of a middle finger at the proximal joint______________ 13 Loss of a middle linger at the second joint__________________ 9 Loss of a middle linger at the distal joint___________________ 5 Loss of a third or ring finger and the metacarpal bone thereof.. 11 Loss of a ring finger at the proximal joint_________________ 7 Loss of a ring finger at the second joint--------------------------7 4 Loss of a ring finger at the distal joint____________________ Loss of a little finger and the metacarpal bone thereof-------- 13 Loss of a little finger at the proximal joint_________________ 9 Loss of the little finger at the second joint---------------------------9 Loss of a little finger at the distal joint-----------------------------4 Loss of a leg at the hip joint or so near thereto as to preclude the use of an artificial limb______________________________ 208 Loss of a leg at or above the knee, where the stump remains sufficient to permit the use of an artificial limb----------------- 139 The loss of a foot at the ankle---------------------------------------- 104 The loss of a great toe with the metatarsal bone thereof-------- 20 The loss of a great toe at the proximal joint------------------------ 18 The loss of a great toe at the second or distal joint-------9 The loss of any other toe with the metatarsal bone thereof----- 11 The loss of any other toe at the proximal joint---------------------4 The loss of any other toe at the second or distal joint----------4 The loss of an eye by enucleation (including disfigurement re sulting therefrom)______________________________________ 139 Total blindness of one eye------------------------------------------------ 104 Total deafness of both ears---------------------------------------------- 139 Total deafness of one ear---------------------------------------------------- 35 Where workman prior to injury has suffered a total loss of hearing in one ear and as a result of the accident loses total hearing in remaining ear------------------------------------------------- 139 (a) The commission shall determine the time when temporary disability terminates as to injuries coming under any provision of this section. ( b) For the purpose of this schedule, permanent and complete paralysis of any member as the proximate result of accidental injury shall be deemed equivalent to the loss thereof. (c) Whenever amputation is made between any two joints mentioned in this schedule (except amputation between the knee and the hip-joint) the resulting loss shall be estimated as if the amputation had been made at the joint nearest thereto. In case of the amputation of any portion of the bone of the distal joint of any finger, thumb, or toe the amount paid therefor shall be the amount allowed for amputation at said distal joint. 130 W O H K M E N 's COMPENSATION LAWS— UNITED STATES (<l) The amounts specified in this section are all subject to the limitation!! us to weekly maximum and minimum benefits provided herein, for injuries causing temporary total disability. (e) When an injured employee .sustains two or more injuries coming under this schedule, the disabilities specified herein shall be added and the injured employee shall receive the sum total thereof: Provided. That whore the injury results in the loss or partial loss of use of the index linger and thumb and of the same hand or of more than two digits of any one hand or foot, the disability may, in the discretion of the commission, be compensated on the basis of the partial loss of use of said hand or foot measured respectively from the wrist or ankle. if) Where an injury causes tho loss of use or partial loss of use of any member or members specified in the foregoing schedule, the commission may determine the disability suffered and the amount of compensation to be awarded, by awarding compensation which shall bear such relation to the amount stated in the above schedule for the loss of a member or members as the disabilities bear to the loss produced by the injuries named in the schedule and such amount, shall bo in addition to compensation for temporary disability, or the commission may award compensation under the permanent partial disability section of this statute as the commission in its discretion may determine from the particular facts in each case. Sisc. 74. Injury to teeth.—When an accident causes injury to the teeth of an employee, he shall, in addition to receiving compensation for disability and the medical, surgical, and hospital services provided herein, bo entitled with the prior approval and consent of the commission to receive such dental treatment and services as may reasonably be necessary to repair and alleviate the effects of the injury, not: to exceed .$100 in value. Sec. 75. Disfigurement any employee is seriously permanently dis figured about the head or face, the commission may allow, in addition to all other compensation benefits provided herein, such sum for compensation on account thereof as it may deem just, not exceeding $500. Seo. 70. Second injuries.—Where an employee has previously suffered the loss of one hand or one arm or one foot or one leg or the vision of one eye, and, as a result of an accident arising out of and in the course of his employment, he suffers the loss of another hand, arm, foot, leg, or the vision of an eye, he shall be compensated as follows: If the employee has previously lost vision of one eye and loses the vision of the remaining eye, he shall receive compensation for 312 weeks. If the employee previously lost the vision of one eye and loses a hand, arm, foot, or leg, he shall be compensated by receiving the schedule number of weeks for the loss of such member plus 50 per cent. If the employee has previously lost the right hand and loses the left hand or arm or vice versa, he shall receive the schedule number of weeks for the loss of such member, plus 50 i>ei* cent. If the employee has previously lost the right arm and loses tho left hand or arm, or vice versa, he shall receive twice the number of scheduled weeks for the loss of such member. If the employee has previously lost a hand or arm and loses one foot or leg or the vision of one eye, he shall receive as compensation the scheduled num ber of weeks for the loss of such member or loss of vision, plus 50 per cent. If the employee has previously lost the right foot and loses the left leg or foot, or vice versa, he shall receive the scheduled number of weeks for the loss of such member, plus 25 per cent. If the employee has previously lost the right leg and loses the left log or foot, or vice versa, he shall receive the scheduled number of weeks for the loss of such member, plus 50 per cent. If the employe has previously lost one leg or foot and loses one hand or arm or the vision of one eye> he shall receive compensation for the scheduled number of weeks for the loss of such member or loss of vision, plus 50 per cent. Compensation awarded in this soction is subject to the maximum and mini mum weekly amounts herein specified for accidents causing temporary total disability. Sec. 77 (as amended* 1923, ch. 201). Permanent total disability.—In cases of permanent total disability, the award shall be 50 per cent of the average weekly wages of the injured employee and shall continue until death of such person so totally disabled but not in excess of the weekly maximum and not TEXT OF U W S ---- COLORADO 131 less than the weekly minimum benefits specified herein for injuries causing temporary total disability. The loss of both hands or both arms or both feet or both legs or both eyes or of any two thereof, by injury in or resulting from the same accident, shall prima facie constitute total and permanent disability to be compensated according to the provisions of this section: Provided, however, That where the disability comes under this section and where the employer or the commission obtains suitable employment for such disabled person which he can perform and which in all cases shall be subject to the sole approval of the commission, the disa bilities set out in this paragraph shall not constitute total disability during the continuance of the commission’s approval of paid employment but such partial disability as may be determined by the commission after a finding of the facts. Sec. 78 (as amended 1023, ch. 200). Injuries not scheduled — Where an acci dent causes injury resulting in permanent partial disability (except the sus taining of any one of the specific injuries set forth in the schedule herein), the injured employee shall be deemed to be permanently partially disabled from the time he is so declared by the commission and from said time shall be entitled to compensation for permanent partial disability in addition to any compensation theretofore allowed. In determining permanent partial disability the commission shall ascertain in terms of percentage the extent of general permanent disability which the accident, has caused, taking into consideration not only the general physical condition blit the mental training, ability, former employment, and education of the injured employee. The commission shall then determine the injured employee’s expectancy of life from recognized expec tancy tables and such other evidence relating to his expectancy as may be presented; it shall then ascertain the total amount which said employee would receive during the balance of his expectancy if permanently totally disabled at not more than the maximum nor less than the minimum weekly indemnity specified in this act for temporary total disability and shall then take that percentage of the total sum so arrived at as is indicated by the percentage of general permanent disability found to exist in the manner as hereinabove set forth, not to exceed in any event, however, the aggregate sum of .$3,120. Said sum to be paid at a weekly rate not more than the maximum nor less than the minimum herein si>ecified for injuries causing total disability. Sec. 79. Multiple injuries.—Where an injured employee sustains a loss set forth in the schedule herein, but in addition thereto receives other injuries which are sufficient in their nature to alone cause temporary total disability, said employee shall receive in addition to the amounts specified in said schedule, compensation for temporary total disability as long as said disability may be found to exist as a result of said other injuries. Sec. 80 (as amended 1923, ch. 201). Hernia.—An employee in order to be entitled to compensation for hernia must clearly prove: First, that its appear* ance was accompanied by pain; second, that it was immediately preceded by some accidental strain suffered in the course of the employment. If an em ployee, after establishing his right to compensation for hernia as above pro*. vided, elects to be and is operated therefor within a reasonable time as lixed by the commission, he shall be entitled to medical, surgical, nursing and hos pital treatment and supplies and apparatus as in this act provided irrespec tive of the time limit therefor fixed. In case the employee does not ele**t to be so operated and the hernia becomes strangulated after the date fixed by the commission for said operation the results from said strangulation will not be compensated. Sec. 81. Medical examinations.—Whenever, in case of injury, the right to compensation under this act would exist in favor of an employee, he shall upon the written request of his employer, or the insurer carrying such risk, sub mit himself from time to time to examination by a physician or surgeon, who shall be provided and paid for by the employer or insurer, and shall likewise submit to examination from time to time by any regular physician selected and paid for by said commission, or a member or examiner thereof. The em ployee shall be entitled to have a physician provided and paid for by himself present at any such examination. So long as the employee, after such written request of the employer or insurer, shall refuse to submit himself to such examination, or shall in any way obstruct the same, his right to collect or to begin or to maintain any proceeding for the collection of compensation shall be suspended; and if he shall refuse to submit to such examination, 132 w o r k m e n 's COMPENSATION LAWS— UNITED STATES after direction by the commission, or any member or examiner thereof, or shall, in any way obstruct the same, his right to weekly indemnity which shall accrue and become payable during the period of such refusal or obstruction, shall be barred. If any employee shall persist in any unsanitary or injurious practice which tends to imperil or retard his recovery or shall refuse to submit to such medical or surgical treatment as is reasonably essential to promote his recovery, the commission may, in its discretion, reduce or suspend the compen sation of any such injured employee. Any physician who shall make or be present at any such examination may be required to testify as to the results thereof. Any physician having attended an employee in a professional capacity may be required to testify before the commission when it shall so direct. A physician will not be required, however, to disclose confidential communica tions imparted to him for the purpose of treatment and which are unnecessary to a proper understanding of the case. In all cases of Injury the employer or insurer, as the case may be, shall have the right in the first instance to select the physician who shall attend said injured employee: Provided, however, That if the services of a physician are not tendered at the time of injury, the employee shall have the right to select his own physician, and may upon the proper showing to the commission procure its permission at any time to have a physician of his own selection attend him, and in any nonsurgical case the employee with such permission in lieu of medical aid may procure any non medical treatment recognized by the laws of this State as legal, the practi tioner administering such treatment to receive such fees therefor under :he medical provisions of this act as may be fixed by the commission. Sec. 82 (as amended 1023, ch. 200). Lump sums.—At any time after <ix months have elapsed from the date of the injury the commission may, in the exercise of its discretion, after five days* prior notice to the parties, order payment of all or any part of the compensation awarded in a lump sum, or in such manner as it may determine to be for the best interests of the parties concerned, and its discretion so exercised shall be final and not subject to re view. When payment in a lump sum is ordered, the commission shall fix the amount to be paid based on the present worth of partial payments, consider ing interest at 4 per cent per annum, and less deductions for the contingencies of death and remarriage. The aggregate of all lump sums granted to a claimant who has been found and declared by the commission to be permanently and totally disabled shall not exceed $3,750. S ec . 83. Willful acts.—The compensation provided for herein shall be re duced 50 per cent: (a) Where injury is caused by the willful failure of the employee to ise safety devices provided by the employer. (b) Where iujury results from the employee’s willful failure o obey *tny reasonable rule adopted by the employer for the safety of the employee. (c) Where injury results from the intoxication of the employee. Sec. 84 (as amended 1923, ch. 201). Notice.— [Compensable injuries must be liotified to the commission by the employer within ten days, or in case of death immediately. If not given by the employer, notice may be given by another person. Notices required to be given by employees may be given by another and will be valid unless specifically disclaimed or objected to by the claimant in writing within a reasonable time. On receipt of a notice from a claimant the commission must immediately mail a copy to the employer, his agent or insurance carrier. Bight to compensation is barred unless claim is filed within six months after an injury, or one year in case of death; this does not apply to any claimant to whom compensation has been paid.] Sec. 85 (as amended 1923, ch. 201). Disabilities not due to accident.—Any disability beginning more than five years after the date of accident shall be conclusively presumed not to be due to the accident. Sec. 86. Assignments, etc.—(Haims for compensation or benefits due under this act shall not be assigned, released, or commuted except as provided in this act, and shall be exempt from all claims of creditors and from levy, execution. and attachment or other remedy or recovery or collection of a debt, which exemption may not be waived. The power given in any power of attorney or other authority from any injured employee or the dependents of any killed employee, purporting to authorize any other person to receive, be paid, or receipt for any compensa TEXT OB' LAWS— COLOBADO 133 tion benefits awarded any such claimant shall be wholly void, illegal, and of no force and effect. S ec . 87. Injuries due to. third parties.— [In case of injuries by the negli gence or wrong of a third party the claimant must elect in writing whether to take compensation or sue. Taking compensation effects an assignment of the right of action, and the person liable for the payment of compensation is subro gated to the rights of the injured worker, or his dependents in case of death, but not in excess of the amount of compensation for which such assignee is actually liable. If the employee or his dependents sue, the insurance carrier is liable only for the deficiency, if any, between the amount so recovered and the compensation herein provided. A compromise may be made by the injured per son only with the written approval of the party liable for compensation.] Skc. 88 (as amended 1923, ch. 201). Preference.— [Compensation claims and awards have the same preference, without limit, as is allowed wage debts. Payments made on the date fixed by the commission bear interest at 8 per cent unless relieved on satisfactory showing.] Sec. 89. Failure to insure.—Any employer subject to the terms and provi sions of this act who fails to insure or to keep the insurance required by this act in force or who allows the same to lapse or fails to effect a renewal thereof, shall not continue any of his business operations while such default in effective insurance continues. The commission in its own name as party plaintiff may institute the proper action to enjoin any such employer from continuing his business operations during any such default. Sec. 90. Attorneys’ fees.—Unless previously authorized by the commission, no lien shall be allowed nor any contract be enforceable for any attorneys’ fees, contingent or otherwise, for services rendered for the enforcement or collection of any claim for compensation or other proceedings under the work men’s compensation act, and then only as provided by rules of the commission. Sec. 91. Trust fund.—The commission may, in its discretion, at any time, any provisions in this act to the contrary notwithstanding, by unanimous consent of all the members thereof, and with the approval of a majority of the State auditing board, compute and require to be paid to it to be held by it iu trust, an amount equal to the present value of all unpaid compensation or other benefits in any case, computed at the rate of 4 per cent per annum. Such action may be taken after a finding by the commission as to the insolvency, threatened insolvency, or any other condition or danger which may cause tho loss of, or which has delayed or may impede, hinder or delay prompt payment of compensation or benefits by any insurance carrier or employer. The action and finding of the commission shall not be subject to review, nor shall the commission be required to give any notice of hearing or hold any hearing prior to taking such action or making its finding as aforesaid. The order of tho commission requiring said payment shall be valid, effective, and in force from and after the approval thereof by the State auditing board. All moneys so paid in shall constitute a separate trust fund, and after any such payment is so ordered the employer or insurance carrier shall thereupon be discharged from any further liability under such .ward, for which payment is made, to the extent of the payment made, and the payment of the award shall then bo assumed to the extent of payment made by the special trust fund so created. If, for any reason, a beneficiary’s right to the compensation awarded and ordered paid into said special trust fund, ceases, lapses, or in any manner terminates by virtue of the terms and provisions of this act so that a surplus not surviviug or accruing to any other beneficiary remains in said trust fund of the amount ordered paid into it on behalf of the beneficiary, the insurance carrier, or employer who has made said payment shall be entitled to a refund of the present value of said surplus, if any, computed at the rate of 4 per cent per annum. Any portion of the special trust fund may pursuant to resolution of the commission, be invested in any securities of the State of Colorado or of the United States of America. Sec. 92, 93-98 (as amended 1923, ch. 203), 99 (as amended 1923, ch 201), 100, 101 (as amended 1923, ch. 201), 102-121. Procedure.— [The employer or his insurer is required to notify the commission and the injured employee or his dependents, in case of his death, within 15 days after the injury, whether he admits or contests the liability. If he admits it, he shall also specify amounts and beneficiaries, and payments thereon shall be made at once. On a proper showing an extension of time, not exceeding 10 days at any one time, may be allowed. Hearings may be had, but shall not interfere with the con tinuance of payments according to admitted liability; no settlement or receipt 134 w o r k m e n ’s c o m p e n s a t io n l a w s — u n it e d statu s is final unless in accordance with the act and rules of the commission, nor until approved by the commission. Hearings may be had by the commission on its own motion or on the application of either party. Notice must be given, and the parties may be present either in person or by attorney or other agent. The commission may receive, besides the testimony, the reports of physicians, employers, its own investigators, and the records of hospitals. The hearing may be either by the commission, a referee, or a commissioner designated for the purpose. Iteferee.4 have power to conduct hearings, issue subpoenas, and to make summary orders as to claims without making specific findings of fact. Such order is final unless reviewed on petition filed. Oases may be referred to any district or county judge or other person as special referee for the taking of evidence, the same to be reduced to writing and certified to the commission for its use. Recourse may also be had to the commission or other agency administering the compensation law of another State, after notice to the party in interest. If any party is dissatisfied with the order of the referee he may petition for a review, whereupon the referee may reopen the case and amend or modify the order or refer the entire case to the commission. The order as amended is final, or the commission’s approval of an unamended order, in the absence of a petition to review. Such petition must be filed in 10 days unless further time is granted. Proceedings to set aside, vacate, or amend an order or to enjoin its enforcement may not. be brought unless a petition for review be first presented. Such action must be commenced within 20 days after the final finding on review. Any prison in interest, including the State insurance fund, if dissatisfied with such final finding or award may commence an action in the district court for modification or vacation of the same. Such actions have precedence over civil causes of a different nature pending in the court. The time and method for filing documents, making returns, and presenting issues are prescribed. The coutt may affirm or set aside the award or order, but only if it appears that the commission acted without or in excess of its power, that the finding or award was procured by fraud, or that the findings of fact by the commission did riot support it. Speedy action is provided for, trial to be to the court without a jury and upon the record of the commission. If an order is set aside the question may be remanded to the commission for further hearings or proceedings, or the court may direct a proper award to bi‘ entered. Appeal may be taken to the supreme court for summary review on questions of law. No fee shall be charged by the clerk of any court for serv ices required by this act, and costs shall be allowed or not in the discretion of the court: but no costs shall be taxed against the commission. The commission may on its own motion, on the ground of error, mistake or change in conditions, after notice of hearing to the parties interested, review any award and end, maintain or modify it for reasons set forth in its findings; past payments are not affected by such a review. The commission and its agents and referees have general powers as to the issue of subpoenas, the attendance of witnesses, production of books, papers and records, and to administer oaths. Depositions may be taken of witnesses residing within or without the State, and a full and complete record of all proceedings shall be kept. Violations of provisions of the act or failure or refusal to perform duties lawfully enjoined are punishable, each day constituting a separate offense. The making of faise statements under oath is perjury, and a claimant convicted of such offense forfeits all right to compensation under the act.] Si:<\ 322. Stale fund.—There is hereby established a fund, to be known as the State compensation insurance fund, for the benefit of injured and the de pendents of killed employees, which shall be administered in accordance with the following provisions, without liability on the part of the State, beyond the amount of said fund, constituted as provided in this act. Six*. 123. Power of commission.—The commission is hereby vested with full power, authority, and jurisdiction over the State compensation insurance fund, and may do and perform any and all things, whether herein specifically de signated or in addition thereto, which are necessary or convenient in the exercise of any power, authority, or jurisdiction over said fund in the adminis tration thereof under the provisions of this act, as fully and completely as the governing body of a private insurance company might or could do, subject, how ever, to all the provisions of this act. Se-o. 124. Same.—The commission shall have full power and authority, and it shall be its duty, to fix and determine the rates to be charged by the State TEXT OF LAWS— COLORADO 135 compensation insurance fund for compensation insurance, and to manage and conduct all business and affairs in relation thereto, all of which business and affairs shall be conducted in the name of the commission, and in that name, without any other name or title, the commission may: (а) Sue and be sued in all the courts of the State and in actions arising out of any act, deed, matter, or thing made, omitted, entered into, done, or suffered in connection with the State compensation insurance fund, the ad ministration, management, or conduct of the business or affairs relating thereto. (б) Make and enter into contracts of insurance with employers as herein provided, and such other contracts or obligations relating to the State com pensation insurance fund as are authorized or permitted under the provisions of this act; but the commission shall not, nor shall any officer or employee thereof be personally liable in his private capacity for or on account of any act done or omitted or contract or other obligation entered into or undertaken in an official capacity, in good faith and without intent to defraud in con nection with the administration, management, or conduct of the State compesation insurance fund, its business, or other affairs relating thereto. (c) Contract with physicians, surgeons, and hospitals for medical and sur gical treatment, services, and supplies, crutches and apparatus, and the care and nursing of injured persons entitled to benefits from said fund, and may contract for medical, surgical, hospital, and nursing services and supplies in excess of the amount and period otherwise limited herein, whenever said commission may determine that the contracting of such extra medical, surgical, hospital, and nursing services and supplies might tend to reduce the period of disability for which said fund would be liable for the payment and compensation. S ec . 125 (as amended 1928, ch. 201). Fund to be continuing.—The State compensation insurance fund shall be a continuing fund and shall consist of all premiums received and paid into said fund for compensation insurance, all properly and securities acquired by and through the use of moneys belonging to said fund and all interest earned upon moneys belonging to said fund and deposited or invested as herein provided. Said fund shall be applicable to the payment of losses sustained or liabilities incurred under the contracts or policies of insurance issued by said State compensation insurance fund in accordance with the provisions of this act. Sec. 120. Classifications.—The commission shall from time to time classify the places of employment of employers insured in the State compensation in surance fund; into classes in accordance with the nature of the business in which they are engaged and the probable hazard of risk of injury to their employees. It shall determine the amount of the premiums which such em ployers shall pay to said State compensation insurance fund, and may prescribe in what manner such premiums shall be paid, and may change the amount thereof both in respect to any or all of such employers, from time to time, as circumstances may require and the condition of their respective plants, estab lish mo.’Jts, or places of work in respect to the safety of their employees may justify, but all such premiums shall be levied on a basis that shall be fair, equitable, and just as among such employers. Sec. 127. Subclasses.—It shall also be its duty to divide each of such classes under said classifications into as many subclasses as may be necessary, upon such terms and conditions as will enable it to determine the risks and fix the rates of premium of the different employers in the same class of employ ment, with respect to the conditions of said places of employment as regards the several requirements upon which the rates of premium or risks are based and determined, as provided in this act. Sue. 128. Maintenance rates only.—It shall be the duty of the commission, in the exercise of the powers and discretion conferred upon it by this act, ulti mately to fix and maintain for each class and subclass of occupation the lowest possible rates of premium consistent with the maintenance of a solvent State compensation insurance fund, and the creation and maintenance of a reasonable surplus after the payment of legitimate claims for injury and death that may be authorized to be paid from the State compensation insur ance fund for the benefit of injured and dependents of killed employees. Siflc. 129. Basis of rates.— Such rates shall take no account of the extent to which the employees in any particular establishment have or have not persons dependent upon them for support, nor of whether such employees have de pendents who are nonresidents of the United States, nor of whether such em ployees are married or single, nor the age of any such employees. The rates so 136 W O RK M E N 'S COMPENSATION LAWS— UNITED STATES made shall be that percentage of the pay roll of any employer which, on the average, shall produce a sufficient sum: (а) To carry all claims to maturity; that is to say, the rates shall be based upon the “ reserve ” and not upon the “ assessment ” plan; (б) To produce a reasonable surplus as provided in this act and to cover the catastrophe hazard and to insure the payment to employees and their de pendents of the compensation herein provided. (<*) In determining the amount of reserve to be laid aside to meet deferred payments according to awards, such reserve shall be ascertained by finding the present worth of such deferred payments calculated at a rate of interest not higher than 4 per cent per annum, and such calculations shall be made according to a table of mortality not lower than the American Experience Table of Mortality, and, in the discretion of the commission, by such other arid further methods as will result in the establishment of adequate reserves. S k c s . 180-186, 187 (as amended 1025, ch. 182), 138-146. General provisions as to fund.— [Separate accounts are to be kept of the premiums collected and disbursements made for each of the different classes and subclasses of occupa tions or industries, also for each employer insured in the State fund; but the fund for the State and its subdivisions is to be treated as a unit. Rates are to be so levied as to make the fund neither more nor less than self-supporting. A surplus is to be maintained, at least 10 per cent of the earned premiums to be contributed thereto until $500,000 is accumulated. Classifications may be amended, and no policy shall be in effect until the proper premium has been actually paid. Earned premiums and losses are to be tabulated semiannually with adjustments according to the showings made. Policies in arrears for more than 20 days are subject to cancellation, and if any disbursements have been made during the 20-day period, the amount so paid may be collected in a civil action against the employer; but the employer himself is primarily liable. Semiannual payments are made by employers insured in the fund on the basis of the annual pay roil, according to classification, rules, and rates made by the commission. The same rule applies to the State and its subdivisions as to private employers. Public ofiicials must cause sufficient funds to be raised and appropriated to meet the premium expenditures required by the commission. The keeping of the necessary records by public officials is pre scribed to be audited and examined by the public examiner of the State at least annually. Other provisions permit reinsurance for catastrophe hazard, make the State treasurer custodian of the fund, authorize the investment of such portions of the fund as are not needed for immediate use, require separate bond by the treasurer as custodian of the insurance fund, authorize investigation of the fund by the State insurance commissioner, provide penalties for misrepre sentation of employers as to pay rolls, direct the preparation and supply of necesssjry blanks by the commission, and the promulgation of classifications, rates, and regulations fixed by it ] CONNECTICUT GENERAL STATUTES, 1918 C h apter 284.—Compensation of workmen for injuries P a r t A — E m p l o y e r s * L ia b l l it y S e c t io n 5339. Abrogation of defenses.—In an action to recover damages for personal injury sustained by an employee arising out of and in the course of his employment, or for death resulting from injury so sustained, it shall not be a defense— (a) that the injured employee was negligent; ( b) that the in jury was caused by the negligence of a fellow employee; (o) that the injured employee had assumed the risk of the Injury. Sec. 5340. Does not apply, when.—The provisions of section 5339 shall not apply to actions to recover damages for personal injuries sustained by em ployees of any employer having regularly less than five employees, by casual employees, or by outworkers; nor shall the same provisions apply to actions against any employer who shall have accepted part B of this chapter in the manner hereinafter prescribed. P a r t B — W o r k m e n 's C o m p e n s a t io n S ectio n 5341 (as amended 1919, ch. 142; 1921, ch. 301). Election of compensa tion.—When any persons in the mutual relation of employer and employee shall have accepted part B of chapter 284 of the general statutes the employer shall not be liable to any action for damages on account of personal injury sustained by an employee arising out of and in the course of his employ alent or on account of death resulting from injury so sustained; but the employer shall pay compensation on account of such injury in accordance with the scale hereinafter provided, except that no compensation shall be paid when the injury shall have been caused by the willful and serious misconduct of the injured employee or by his intoxication. If an injury arises out of and in the course of the employment it shall be no bar to a claim for compensa tion that it can not be traced to a definite occurrence which can be located in point of time and place. In any case of aggravation of a disease existing prior to such injury, compensation shall be allowed only for such proportion of the disability due to the aggravation of such prior disease as may reason ably be attributed to the injury. The acceptance of part B of chapter 284 of the general statutes by employers and employees shall be understood to include the mutual renunciation and waiver of all rights and claims arising out of injuries sustained in the course of employment as aforesaid, other than rights and claims given by part B of said chapter, including the right, of jury trial on all questions affecting compensation and all right of appeal from the compensation commissioners except as hereinafter established. Skcs. 5342, 5343 (both as amended 1919, ch. 142). Election.— [Contracts of employment between employers of five or more employees are conclusively pre sumed to include an acceptance of the provisions of part B of this chapter in the absence of written stipulation in the contract or written or printed notice by either party to the other. Employers of less than five workmen may accept the provisions of the act by insuring as prescribed in section 5309, and the em ployees will be presumed to accept in the absence of written notice to the contrary to the employer and also to the commissioner having jurisdiction. Change of election may be made in the same manner as original action, notices to be effective 30 days after service.] Sec. 5344. 'Nonacceptance.—Every employer not accepting part B shall be linble to action for damages on account of personal injury to his employees in accordance with the provisions of part A, and every employee not accepting part B shall lose all rights and benefits of part A with reference to any em ployer who continues to accept *part B. 137 138 WORKMEN’s COMPENSATION LAWS— UNITED STATES Sec. 5845. Contractors.—When any principal employer procures any work to be done, wholly or in part for him, by a contractor, or through him by a sub contractor, and the work so procured to be done is a part or process in the trade or business of such principal employer, and is performed in, on. or about premises under his control, then such principal employer shall be liable to pay all compensation under this chapter to the same extent as ils the work were done without the intervention of such contractor or subcontractor. Sec. 534(5 (as amended 1021, ch. 306). Liability of third parties.— [Where a third party is liable for damages for the injury the employee may receive compensation and also proceed in an action at law against such party; and an employer may sue to recover an amount paid or awarded. If either party sues he must notify the other, who may then jioin in the action, which failing, his right to sue will abate wiihin 30 days. The employer paying or liable to pay compensation has a prior claim to the extent of such liability on any recovery; but any excess over such liability and costs goes to the employee. Neither party can compromise without the assent of the other. Compensation as here used includes medical, hospital and burial costs.] Sec. 5347 (as amended 1019, ch. 142; 1921, ch. 306). Notice, medical, etc., aid.—Any employee who has sustained an injury in the course of his employ ment shall forthwith notify his employer, or some person representing him, of such injury; and on his faiiure to give such notice, the commissioner may reduce the award of compensation proportionately to any prejudice which he shall iind the employer has sustained by reason of such failure; but the burden of proof with respect to such prejudice shall rest upon the wnployer. The em ployer, as soon as he has knowledge of any such injury, shall provide a com petent physician or surgeon to attend the injured employee, and, in addition, shall furnish such medical and surgical aid or hospital service as such physician or surgeon shall deem reasonable or necessary. In the event of the faiiure of the employer promptly to provide such physician or surgeon or medical, sur gical or hospital service, the injured employee may provide such physician or surgeon or medical, surgical or hospital service at the expense of the employer; or, at his option, the injured employee. may refuse the medical, surgical and hospital service provided by his employer and provide the same at his own ex pense. The commissioner may, when he finds that good reasons exist therefor, authorize or direct a change of such physician or surgeon, or such hospital service. If it shall appear to the commissioner that, an injured employee lias refused to accept and failed to provide such reasonable medical, surgical, or hospital service, all rights of compensation under the provisions of chapter 284 of the General Statutes shall be suspended during such refusal and failure. The pecuniary liability of the employer for the medical, surgical, or hospital service herein required shall be limited to such charges as prevail in the same community or similar communities for similar treatment of injured persons of a like standard of living wheu such treatment is paid for by the injured per sons; but the liability of the employer for hospital service shall be the amount it actually costs the hospital to render the service, said amount to be determined by the commissioner. In the case of a seaman employed upon any enrolled vessel of the United States and entitled, by the provisions of any law of the United States, to medical or surgical aid or hospital service without charge, such medical or surgical aid or hospital service may be substituted for that provided for in this section so far as it may answer the requirements of the I)rovisions of this section, but nothing herein shall excuse the employer in such cases from giving emergency treatment when required; and any employer de siring to take advantage of this provision shall ascertain that such services as are provided for by the laws of the United States are rendered. If, after due knowledge that an employee has suffered injury arising out of and in the course of his employment, an employer has failed to provide medical care promptly, and the injured employee has provided such medical care, then the employer shall not compel the employee to change his physician, surgeon, or hospital, except upon the order or approval of the commissioner. Sec. 5348 (as amended 1919, ch. 142). Waiting time.—No compensation shall be payable for total or partial incapacity under the provisions of chapter 284 of the general statutes on account of any injury which does not incapaci tate the injured employee for a period of more than seven days from earning full wages at his customary employment; but if incapacity extends beyond a period of seven days compensation shall begin.at the expiration of the first seven days of total or partial incapacity: Provided, If such incapacity extends TEXT OF LAWS— CONNECTICUT 139 beyond a period of four weeks, compensation shall begin from the day of the injury. In all contracts between parties subject to part B, the injured em ployee shall be entitled to full wages, for the entire day of the injury and said day shall not be counted as a day of incapacity. S e c . 5849 (as amended 1919, ch. 142; 1921, ch. 806). Death benefits.— Compensation shall be paid on account of death resulting from injuries within two years from date of injury as follows: (a) For burial expenses, .$100; (b) to those wholly dependent upon the deceased employee at the time of his injury, a weekly compensation equal to half of the average weekly earnings of the deceased at the time of the injury; (<•) in case there is no one wholly dependent upon the deceased employee, to those partially dependent upon the deceased employee at the time of his injury, a weekly compensation equal to half of the average weekly earnings of the deceased at the time of the injury: Provided, The amount so paid shall not be more than $18 weekly, nor lms than $5 weekly, nor if the average weekly sum contributed by the deceased at the time of the injury to those partially dependent be more than $5 weekly, not more than said sum so contributed; but the compensation payable on account of death resulting from injuries shall in no case be more than $18 or less than $5 weekly, and such compensation shall not continue longer than 312 weeks after death. The compensation on account of death payable under the provisions of chapter 284 of the general statutes to a widow or widower of a deceased employee shall not cease with the death of such widow or widower, but, upon her or his death within the period (luring which such compensation is payable, it shall continue to be paid for the re mainder of such period to the other dependents of the deceased employee as defined in section 5888 of the General Statutes. Keo. 5350. (as amended 1921, ch. 306). Dependents,—The following persons shall be conclusively presumed to be wholly dependent for support upon a deceased employee: (a) A wife upon a husband with whom she lives at the time of his injury or from whom she receives support regularly; (b) a husband upon a wife with whom he lives at the time of her injury or from whom he receives support regularly; (c) any child under the age of IS years, or over said age but physically or mentally incapacitated from earning, upon the parent with whom he is living or from whom he is receiving support regularly at the time of the injury of such parent, there being no surviving doi>en<lent parent. In case there is more than one child thus dependent the death benefit shall be divided equally among them. In all other cases, ques tions of dependency shall be determined in accordance with the fact, as the fact; may be at the time of the injury. In such other cases, if there is more than one iwrson wholly dependent, the compensation in case of death shall be divided equally among them, and persons partially dependent, if any, shall receive no part thereof. If there is no person wholly dependent and more than one person partially dependent, the compensation in case of death shall be divided among them according to the relative degree of their dependence. For the purpose of this chapter the dependence of a widow or widower of a deceased employee shall be construed to terminate with remarriage, but upon remarriage within the period during which such compensation is payable, it shall continue to be paid for the remainder of such period to other de pendents of the deceased employee, as defined in section 53S8 of the General Statutes, provided there are any such dependents. The presumptive de pendence of a child as hereinbefore defined, except a child physically or mentally incapacitated from earning, shall be construed to terminate at the age of 18 years. When the sole dependents as herein defined shall at the time of the injury be nonresident aliens and the deceased shall have in this State some person or persons who are dependent in fact, then the commis sioner having jurisdiction may in his discretion equitably apportion the sums payable as compensation to the dependents. Sec. 5351 (as amended 1921, ch. 306; 1925, ch. 247). Total disability.—-It the injury results in total incapacity to work, there shall be paid to the in jured employee a weekly compensation equal to half of his average weekly earnings at the time of the injury; but the compensation shall in no case be more than $21 or less than five dollars weekly; and such compensation shall not continue longer than the period of total incapacity, or in any event longer than 520 weeks. The following injuries of any person shall be considered as causing total incapacity and compensation shall be paid accordingly: {a) Total and permanent loss of sight in both eyes, or the reduction to one-tenth or 1965°— 26-------10 140 WOBKMEN *S COMPENSATION LAWS— UNITED STATES l e s s of normal vision with glasses; (6) the loss of both feet at or above the ankle; (o) the loss of both hands at or above the wrist; (d) the loss of one foot at or above the ankle and one hand at or above the wrist; (e) any injury re sulting in permanent and complete paralysis of the legs or arms or of one leg and one arm; ( /) any injury resulting in incurable imbecility or insanity. S*x\ 5852 (as amended 1019, ch. 142; i921, ch. 300; 1925, ch. 247). Partial disability.—If any injury for which compensation is provided unde/ the pro visions of said chapter 284 shall result in partial incaimeity, there shall be paid to the injured employee a weekiy compensation equal to half the differ ence between his average weekly earnings before the injury and the amount he is able to earn thereafter. Such compensation shall in no case be more than $21 weekly and shall continue during the period of partiul Incapacity, but no longer than 520 weeks. If the employer procure for an injured employee employment suitable to his capacity tho wages offered in such employment shall be taken as the earning capacity of the injured employee. Willi respect to the following injuries the compensation, in addition to the usual compensa tion for total incapacity, but in lieu of all other payments for compensation, shall be half of the average weekly earnings of the injured employee, but in no case more than $21 or less than five dollars weekly: (a) For the loss of one arm at or above the elbow, or the complete and permanent loss of the use of one arm, 208 weeks; (ft) for the loss of one hand at or above the wrist, or the complete and permanent loss of the use of one hand, 156 weeks; (c) for the loss of one leg at or above the knee, or the complete and permanent loss of the use of one leg, 182 weeks; (d) for the loss of one foot at or above the ankle, or the complete and permanent loss of the use of one foot, 130 weeks; (e) for the complete and permanent loss of hearing in both ears, 156 weeks; (f) for the complete and permanent loss of hearing in one ear, 52 weeks, (g) for the complete and permanent loss of sight in one eye, or the reduction in one eye to one-tenth or less of normal vision with glasses, 104 weeks; (h) for the loss of, or the complete and permanent loss of the use of, a thumb, 38 weeks; ( i) for the loss of, or the complete and permanent loss of the use of, a first linger or a great toe, 38 weeks; (/) for the loss of, or the complete and perma nent Loss of the use of, a second finger, 30 weeks; a third finger, 25 weeks; a fourth finger, 20 weeks; (k) tor the loss of, or the loss of the use of, any toe except the great toe, 13 weeks. The loss of, or the loss of the use of, one phalanx of a thumb shall be construed as half of the loss of the thumb: the loss of, or the loss of the use of, one phalanx of a finger shall be construed as onc-third of the loss of the linger; the loss of, or the loss of the use of, two phalanges of a finger shall be construed as two-thirds of the loss of the finger; the loss of, or the loss of the use of, one phalanx of a great toe shall be con strued as half of the loss of a great toe; and the loss of the greater part of a phalanx shall be construed as the loss of a phalanx; and shall be compen sated accordingly. In case the injury shall consists of the loss of a substantial part of a member resulting in a permanent partial loss of use of the member, or in case the injury results in a permanent partial loss of function, the com missioner may, in his discretion, in lieu of other compensation, award to the injured person such a proportion of the sum herein provided for the total loss or loss of use of such member or for incapacity or both as shall represent tho proportion of total loss or loss of use found to exist, and any voluntary agreement submitted in which the basis of settlement is such proportionate pay ment may, if otherwise conformable to the chapter, be approved by the com missioner in Ids discretion. The word “ member” shall include all portions of the human body referred to in subsections (a) to (fc) inclusive. In ca«e of an injury to any portion of the body, referred to in subsections (a) to (fc), inclusive, or to a phalanx or phalanges of the thumb, finger, or toe. the commissioner may in his discretion, in the manner hereinbefore pro vided, award compensation for the proportionate loss or loss of use of the member of the body affected by such injury. Sec. 5353 (as amended, 1919, ch. 142). Computation of earnings.—For the purposes of said chapter, the average weekly wage shall be ascertained by dividing the total wages received by the injured workman from the employer in whose service he is injured during the 26 calendar weeks immediately pre ceding that during which he was injured, by the number of said calendar weeks during which, or any portion of which, said workman was actually employed by said employer: Provided, Iu making such computation, absence for seven consecutive calendar days, although not. in the same calendar week, shall be considered as absence for a calendar week. When the employment commenced TEXT OF T.AWS— CONNECTICUT 141 other than at the beginning of a calendar week, such calendar week and the wages earned during such week shall be excluded in making the above compu tation. When the employment, previous to injury as provided above, is com puted to be less than a net period of two calendar weeks, then his weekly wage shall be considered to be equivalent to the average weekly wage prevailing in the same or similar employment in the same locality at the time of injury. For the purpose of determining the amount of compensation to be paid in the case of a minor under the age of 18 years who has sustained an injury entitling him to compensation for total or partial incapacity for a period of 52 or more weeks, or to specific indemnity for any of the injuries enumerated in sub sections (a) to (k ), inclusive, or in any other portion following subdivision (k ), of the preceding section, the commissioner may add 50 per cent to his average weekly wage. Sec. 5354. Advance payments.—In fixing the amount of any compensation under this chapter due allowance shall bo made for any sum which the em ployer may have paid to any injured employee or to the dependents on account of tlie injury, except such sums as the employer may have expended or directed to be expended for medical, surgical, or hospital service. Sec. 5355. Review.—Any award of, or voluntary agreement concerning com pensation made under the provisions of this chapter shall be subject to modifi cation, upon the request of either party and in accordance with the procedure for original determinations, whenever it shall appear to the compensation com missioner that the incapacity of an injured employee has increased, decreased or ceased, or that the measure of dependence, on account of which the com pensation is paid, has changed, or that changed conditions of fact have arisen which necessitate a change of such agreement or award in order properly to carry out the spirit of this chapter. The commissioner shall also have the same power to open and modify an award as any court of the State has to open and modify a judgment of such court. The compensation commissioner shall retain jurisdiction over claifhs for compensation, awards, and voluntary agreements, for any proper action thereon, during the whole compensation period applicable to the injury in question. Secs. 5356 (as amended 1919, ch. 142), 5357. Commissioners.— [The act is to be administered by five commissioners, one for each congressional district of the State. Terms are five years, subject to removal by the governor for cause. Offices are to be maintained at Hartford, Norwich, New Haven, Bridgeport, and Waterbury. Each commissioner has power to hear and decide cases, adminis ter oaths, summon witnesses, require the production of books and papers, certify official acts, and, in general, all powers necessary for the administration of the act.] Sec. 5358 (as amended 1919, ch. 142). Regulations.—Acting together, the commissioners shall have power to adopt and change such common rules, procedure, and forms as they shall deem expedient for the purposes of said chapter. Biennially the commissioners shall prepare and submit to the gover nor a report of their doings, including such recommendations as they shall think proper for the improvement of said chapter or its administration. Secs. 5359 (as amended 1919, ch. 142), 5360 (as amended 1921, ch. 306), 5361 (as amended 1919, ch. 142), 5362, 5363 (as amended 1921, ch. 306), 5364, 5365-5366 (as amended 1919, ch. 142). Claims; procedure.— [Employers under part B of the act must keep a record of injuries to their employees and report the same to the commissioner in duplicate weekly or oftener if so directed, together with such notices of claims for compensation as have been served upon him within the week. Notice of claim must be submitted within one year from the date of the injury, unless for due cause shown the period is extended not beyond two years. If there has been a hearing or a written request for a hearing or an assignment for a hearing within one year from the date of the injury, or a voluntary agreement submitted within that time, no want of notice claimed shall be a bar to the maintenance of proceedings; nor shall defects or inaccuracies invalidate the claim unless the employer shows that he was ignorant of the injury and was prejudiced thereby. If the parties reach an agreement between themselves in regard to com pensation and such an agreement, together with a statement of facts, is sub mitted by the employer to the commissioner and he approves* such agreement shall be filed in the office of the clerk of the superior court of the county and is thereafter binding upon both parties as an award by the commissioner. Before payments are discontinued on account of total or partial incapacity under 142 WOBKMEN *8 COMPENSATION LAWS— UNITED STATES such an agreement, if the injured person claims that his incapacity continues, the employer must notify the commissioner ancl the employee of discontinuance and the reason therefor, and until such notices are furnished the liability for such a payment shall continue unless otherwise ordered by the com missioner. Persons claiming or receiving compensation must, on the reasonable request of the employer or at the direction of the commissioner, submit to a medical examination at which the injured employee may have his own physician in attendance. Refusal to submit to a reasonable examination suspends the right to compensation. In case of failure to agree, the commissioner shall, upon notice, or upon his own knowledge, appoint a hearing, giving notice to the parties with opportunity to make proper preparation for attendance at the place appointed, which shall be convenient to the injured employee. Ap pearance may be in person or by attorney or other accredited representative. The hearing shall be informal, and as far as possible, in accordance with the rules of equity, the purpose being to ascertain substantial rights and carry out justly the spirit of the act. No fees except the cost of certified copies of testimony, awards, etc., shall be charged. Witnesses subpoenaed by the commissioner are allowed fees and traveling expenses to be paid by the party in whose interest they are subpoenaed. The award made and filed in the office of the clerk of the superior court of the county is final unless appealed from within 10 days, and may be the basis of execution as in case of judgments ren dered in the court. If payments are delayed unduly, interest at 0 per cent may be added to the award. If there has been delay without fault or neglect, caused by appeals or otherwise, a reasonable interest may be allowed not. to exceed 0 per cent per annum. Appeals may be brought: within 10 days, and are privileged in resect of assignment for trial. Other provisions relate to costs, which are reduced to a minimum unless it appears that an appeal is frivolous or for purposes of vexation or delay. Notice is to be given the commissioner from whose award the appeal is taken, and of the final dis position of the case.] S kc . 5367. Lump sums.— [The commissioner may commute weekly payments into monthly or quarterly payments or into a single lump sum if found just or necessary, based on the present worth of payments due in the future. Lump sums may be paid into a savings bank or other repository to be held in trust for the beneficiary or beneficiaries under the act..] Skc. 5368. Substitute schemes.— [With the approval of the State insurance commissioner a compensation system in lieu of that provided by this chapter may be agreed upon by employer and his employees. It must confer at least equivalent benefits, and membership therein must not be a condition of employ ment. If contributions are required, added benefits commensurate therewith must be provided. Equitable provision must be made for withdrawal and the distribution of assets.] Ke c r . 5369-5371. Insurance.— [Employers subject to part B who do not fur nish satisfactory proof of solvency and ability to make direct payments of benefits must file an acceptable security guaranteeing the performance of the obligations of this chapter or insure in an authorized stock or mutual com pany, or the methods may be combined. Policies must state that as between the employee and the insurer notice and knowledge of the injury by the em ployer shall be deemed notice and knowledge by the company, and that the latter accepts the jurisdiction of the employer for th*> purposes of the act The policy must cover the entire liability of the employer and provide for the direct enforcement of the claimant’s right to compensation in case the employer becomes Insolvent or bankrupt during the period that the policy is in oj>eration. No limit is placed upon the power of an employer of less than five employees to insure against such liability as he may incur by reason of employing a larger number of employees at irregular intervals.] Sec. 5372. Waivers.—No contract, expressed or implied, no rule, regulation, or other device shall in any manner relieve any employer, in whole or in part, of any obligation created by this chapter, except as herein set forth. Sec. 5373. Incompetents.—When any employee affected by the provisions of this chapter, or any person entitled to compensation hereunder, shall be a minor, or mentally incompetent, his parent, or guardian duly appointed, may, on his behalf, perform any act or duty required or exercise any right con ferred by the provisions of this chapter with the same effect as if such person were legally capable to act in his own behalf and bad so acted. The commit TEXT OP LAWS— CONNECTICUT 143 sioner may, for just cause shown, authorize or direct the payment of compen sation directly to a minor, or to some person nominated by the minor and approved by the commissioner, which person shall act in behalf of such minor. Sec. 6374. Fees.—All fees of attorneys, physicians, or other persons for serv ices under this chapter shall be subject to the approval of the commissioner. S e c . 5375. Status of payments.—All sums due for compensation under the provisions of this chapter shall be exempt from levy, attachment, and execu tion and shall be nonassignable before or after award. The rights of com pensation granted by this chapter, reckoned at their present value, shall have the same preference against the assets of an employer as may be allowed by law to* a claim for the unpaid wages of workmen earned within three months. Sec. 5370. Mode of payment.—Compensations payable under this chapter r,liall be paid at such particular times in the week and in such manner as the commissioner may order, and shall be paid directly to the persons entitled to receive them unless the commissioner, for good reason, shall order payment to those entitled to act for such persons. Sec. 5377. Notice.—Any notice under this chapter required to be served upon employer, employee, or commissioner may be served in the manner prescribed in section 5343. unless the circumstances of the case of the rules of the com mission shall direct otherwise. Sec. 5378. Duty of town clerks.—The town clerks of the several towns are authorized and directed to receive from the commission such blank forms as may be prepared for use under this chapter and to distribute the same to persons making proper application for them. Sec. 5379. Interstate commerce.—This chapter shall not affect the liability of employers to employees engaged in interstate or foreign commerce for death or injury in case the laws of the United States provide for compensation or for liability for such death or injury. Sec. 5380 (as amended 1921, ch. 300). Default in insurance.— [Where an employer fails to maintain insurance, an injured employee may either claim his right to compensation or sue for damages. The same option may be exer cised by dependents, and in the event of their failure to agree upon the election the commissioner shall decide. The option must be exercised within six months and action brought within one year. In the absence of notice to the employer only the right to compensation remains. Where an employer has accepted the provisions of the act and thereafter fails to conform thereto he is subject to a fine of not more than $100 for each such failure.] Sec. 5381 (as amended 1919, ch. 142). Certificates.— [Employers who have made arrangements for substitute schemes, or secured payments by insurance or otherwise as herein provided may file in the office of the commissioner hav ing jurisdiction of any case of injury a certificate to that effect, issued by the commissioner of insurance, which certificate shall then become a part of the records of the office of the compensation commissioner.] Sec. 5382. Attachments.— LPersons submitting compensation claims may ask for a writ of attachment to secure their payment, and unless it appears that the employer has secured their payment by insurance or otherwise the writ will issue, and will be dissolved on the showing of compliance and the payment of the expenses incurred, the commissioner having authority to dissolve such attachments.] Sec. 5383 (as amended 1918, ch. 142). Reference to supreme court.— [Pro vision is made for submission to the supreme court by the superior court of all questions of law held not to be free from reasonable doubt, which the public interest requires shall be determined. In the meantime a pro forma award may be made on the facts. Self insurers found dilatory in adjusting claims or making payments, or otherwise failing to comply with the provisions of the chapter and the rules of the commission may have their certificates revoked, regardless of questions of solvency and financial conditions.] Sec. 5384. Defective employees.—Whenever any person having a contract of employment, or desiring to enter into a contract of employment, shall have any physical defect which imposes upon his employer or prospec tive employer an undue or unusual hazard, it shall be permissible for such person to waive in writing for himself or his dependents, or both, any rights to compensation under the provisions of this chapter for any per sonal injury arising out of and in the course of his employment which may be found by the commissioner having jurisdiction to be directly due to such phy sical defect. No such waiver shali become effective unless the physical defect in question shall be plainly described therein, nor until the commissioner having 144 w o r k m e n 's COMPENSATION LAWS— UNITED STATES Jurisdiction shall find that the person signing such waiver fully understands the meaning thereof, nor until such commissioner shall, in writing, approve thereof and furnish each of the parties thereto with a copy thereof. No such waiver shall be a bar to a claim by the person signing the same, or his de pendents, for compensation for any injury arising out of and in the course of his employment, which injury shall not be found to be directly due to the particular condition described therein. Sec. 5385 (as amended 1919, ch. 142). Insurance companies.— [Insurance companies found dilatory in investigating or adjusting claims and making pay ments or complying with the law. etc., may. after hearing with due notice, have their licenses revoked by action of the compensation commissioners or a majority of them. This section contains also a provision as to the revoking of the authority of self insurers by action of the commissioners or a majority of them, similar to the provisions of section 5383. ] Sec. 5386. Fees and expenses.—Whenever any fees or expenses are, under the provisions of this chapter, to be paid by the employe)* or insurer, and not by the employee, the commissioner may make an award directly in favor of the person entitled, which award shall be filed in court, shall be subject to appeal, and shall be enforceable by execution as in other cases. Such award may be combined with an award for condensation in favor of or against the injured employee or the dependent or dependents of a deceased employee or be the subject of an award covering only such fees and expenses. Sec. 5387 (as amended 1921, ch. 148). Digest of decisions.— [This section provides for the compilation and distribution of decisions of the compensation commissioners and the courts on questions of compensation. I Sec. 5388 (as amended 1921. ch. 306). Definitions.—Terms in said chapter are defined as follows: “ Commissioner ” shall mean that compensation com missioner who has jurisdiction in the matter referred to in the context. Com mission ” shall mean the five commissioners, or a majority of them, acting as a board. 'Dependents'* shall mean members of the injured employee's family or next of kin who were wholly or partly dependent upon the earnings of the employee at the time of the injury. “ Employee" shail mean any person who has entered into or works under any contract of .service or apprenticeship with an employer, whether such contract contemplated the performance of duties within or without the State, and shall also include any salaried officer or paid member of any police department or fire department of any municipal corpora* tion in the State, irrespective of the manner in which he is api>ointed or em ployed, which provision shall not be construed as affecting any existing rights as to pensions which such persons or their dependents may now have, or as preventing any existing custom of paying the full salary of any such person during disability due to injury arising in the course of and out of his employ ment; but said term shall not be coustrued to include either (a) an outworker, or (b) one whose employment is of a casual nature, and who is employed otherwise than for the purposes of the employer’s trade or business, or (c) a member of the employer's family dwelling in his house: Provided, If in any contract of insurance the wages or salary of a member of the employer’s family dwelling in his house is included in the pay roll on which the premium is based, then such person shail, in the event of his sustaining an injury arising out of and in the course of his employment, be deemed an employee and compensated accordingly. “ Employer” shall mean any person, corporation, firm, partner ship, voluntary association, joint-stock association, the State, and any public corporation within the State using the services of another for pay; it shall include also the legal representatives of any such employer. “ Outworker ” shall mean any person to whom articles or material are given to be treated in any way on premises not under the control or management of the person who gave them cut. The word “ injury,” as the same is used in said chapter, shall be construed to include any disease which is due to causes peculiar to the occu pation and which is not of a contagious, communicable, or mental nature. Singular terms may be taken to include the plural and plural the singular, and masculine terms to include males, females, and legal persons, as the natural interpretation of the context may require. Sec. 5389. [Repealed.] Sec. 5390. Provisions severable.—In case any provision of this chapter shall be held by the courts to be unconstitutional and invalid, the invalidity of such provision shall not affect any other provision which can be given effect with out the provision held invalid. TEXT Otf LAWS— CONNECTICUT 145 P art O—E mployers’ Mutual I nsurance S e c t i o n s 5891- 5402. Mutual associations.— [Employers under part B may, with tlie approval of the insurance commissioner, and in accordance with the law on the subject of corporations without capital stock, organize mutual asso ciations to insure their liabilities under this chapter; but such associations may not include employers not in the same or similar trades or business or with substantially similar degrees of hazard of injury to employees. Provi sions as to when policies may issue, organization of rules for safety, power to fix premiums, questions of assessment, investment, and general regulations are provided for.] Part D—Workmen’ s Compensation I nsurance Sections 5403-5409, 5414 (as amended 1919, ch. 142). Effect of contracts, validity, etc.; duty of insurance companies.— [This part declares a contract of insurance between an employer and an insurer to be a contract for the benefit of an employee injured under or within the terms of the act. Policies must provide for direct and primary liability to the employee or his dependents. Provision is made for hearings and awards; the latter may be directly against the em ployer or the insurer or both, and enforceable in all respects as against the employer. No question may be raised by the insurance company against an employee as to breach of warranty, coverage, or misrepresentation by the employer; nor shall misrepresentation not materially affecting the acceptance off the risk or the hazard assumed by the company vitiate such policy. Forms of policies must be approved, and reports must be made by insurance com panies as to persons insured, the policies, etc. An employer knowingly mak ing a material misstatement to the damage of the insurer is liable in just damages resulting therefrom.] ACTS OF 1919 Chapter 251.—Claims of injured workmen against the State Section 1. Compensation for State employees.—It shall be the duty of any compensation commissioner, immediately upon receiving from any department of the State notice .by any employee of said department, of claim for com pensation, serve a copy of such notice by mail upon the attorney general, and the awards of the commissioners shall be paid from the funds of the State appropriated by the general assembly for such purpose. DELAWARE ACTS OF 1917 Chapteu 233.—Compensation of workmen for injuries New article.—Chapter 90 of the Revised Code of the State of Delaware is hereby amended by adding a new article thereto entitled “ Masters, apprentices, and employees—Article 5—The Delaware workmen’s compensation law of 1917,” and the following new sections to be styled as 3193 a, section 94, to 3193 xx, section 143, inclusive. 3193a. Section #4. Title.—This act shall be called and cited as “ The Dela ware workmen’s compensation law of 1917,*’ and shall apply to all accidents occurring within this State, irrespective of the place where the contract of hiring was made, renewed, or extended, and shall not apply to any accident occurring outside of this State. 3193 b. Sec. 95. Defenses abrogated.—In any action instituted by any person whatsoever on or after the 1st day of September, A. D. 191?, to recover dam ages for personal injury sustained by an employee by accident arising out of and in the course of his employment within this State on or after said date, or for death resulting from injury so sustained, it shall not be a defense— (a) That the injury or death was caused in whole or in part by the want of ordinary or reasonable care of, or by the negligence of, a fellow employee; or (b) That the employee had either expressly or impliedly assumed the risk of the injury; or (c) That injury was caused in any degree by the negligence of such em ployee ; but the foregoing provisions of this section shall not apply to an action instituted by any person whatsoever to recover damages for injuries to or death of an employee who shall have elected not to operate under the compen satory provisions of the subsequent sections of this article, nor to an action instituted against any employer to recover damages for injuries to or death oi an employee, when such employer shall have elected to operate under the compensatory provisions of the subsequent sections of this article: Provided, however, That when both the employer and the employee shall have elected not to operate under the compensatory provisions of the subsequent sections of this article, then and in such case the employ**.* shall be deprived of the right of interposing the defenses mentioned in this section tho same as though he alone had rejected the terms or the subsequent sections of this article. 3193 e. Sjcc. 9(>. Plaintiff to show status.—In any action at law contemplated by the last preceding section the plaintiff shall be required to lile with his declaration or other first pleading a certificate of the industrial accident board showing the status of the injured employee and his employer at the time of the injury, with respect to election or refusal of the employee and employer to be bound by the compensatory provisions of this article. 3193 d. Sec. 97. Election prcmimvd.—Every employer and employee shall be conclusively presumed to have elected to be bound by the compensatory provi sions of this article and to have accepted the provisions of this article, respec tively, to pay and to accept compensation for personal injury or death by acci dent arising out of the course of the employment, regardless of the question of negligence, and to the exclusion of all other rights and remedies, unless, prior to such injury or death, either party shall have given notice to the other party in the time and manner hereinafter specified. A like presumption shall exist in the case of all minors employed unless the notice above referred to be given by or to the parent or guardian of such minor. Every election to be bound by the compensatory provisions of this article shall be conclusively presumed to be coextensive with the contract of hire between the employer and employee. 3193 e. Sec. 98. Waivers.—Either an employer or an employee who has excepted himself, by proper notice, from the operation of the compensatory pro visions of this article may at any time waive such exemption and thereby accept the compensatory provisions of this article by giving the notice provided in 3193 f, section 99, hereof. 146 TEXT OF LAWS— DELAWABB 147 3193 f. Sec. 99. Notice of rejection.— [Employers desiring not to be bound by the act or to waive rejection, may post notices in conspicuous places in their plants or serve notice personally on their employees, filing an affidavit with regard thereto with the industrial accident board. Employees may reject or waive prior rejection by notice in writing to the employer, also filing an affidavit as to such notice with the board. Such notice to be effective must be given 30 days before the injury or death, except notices given at the time of employment. Acceptance by both parlies constitutes a surrender of any other form of compensation or damages for injury.] 3193 g. Sec. 100. Waivers.—No agreement, rule, regulation, or other device shall in any manner operate to relieve any employer or employee in whole or in part from any liability created by this article, except as herein specified. 3103 h. Se<;. 101 (as amended 1919, ch. 203; 1921, ch. 186). Waiting lime; medical aid, ctc.— (a) No comiiensation shall be paid for any injury which does not incapacitate the employee for a period of at least two weeks from earning full wages; but if incapacity extends beyond the period of two weeks, coml>eiisation shall begin on the fifteenth day after such incapacity: Provided, however, That if such incapacity continues for four weeks or longer, such com pensation shall be computed from the date of incapacity. (6) During the first 30 days after the injury the employer shall furnish reasonable surgical, medical, and hospital services, medicines, and supplies as and when needed, unless the employee refuse to allow them to be furnished by the employer. The cost of such services, medicines, and supplies shall not exceed $100. If the employer shall, upon application made to him, refuse to furnish rea sonable surgical, medical, and hospital services, medicines, and supplies, the employee may procure the same and shall receive from the employer the rea sonable cost thereof within the above limitations. (c) Upon application made to the industrial accident board by the injured employee or some one on his behalf the board may, in its discretion, require the employer to furnish additional surgical, medical, and hospital services, medicines, and supplies, as and when needed, for such further period as it shall deem right and proper. The charges for such additional surgical, medi cal, and hospital services, medicines, and supplies shall not exceed the rates regularly charged to other individuals for like services and supplies: Providedt however, The industrial accident board shall at all times have jurisdiction te determine, and shall determine, the character of service and supplies to be furnished. (d) If any person, firm, or corporation charged with the payment of the above-mentioned surgical, medical, and hospital services, medicines, and sup plies, and the person, firm, or corporation to whom the same are due and pay able, fall to reach an agreement in regard to said charges, either party may notify the industrial accident board of the facts, and the said beard shall thereupon, after notice of the time and place of hearing, sent by registered mail to all parties in interest, hear and determine the matter and notify such parties of its conclusions. (r) If the employee shall refuse reasonable surgical, medical, and hospital services, medicines, and supplies tendered to him by his employer, he shall forfeit all right to compensation for any injury or any increase in his incapac ity shown to have resulted from such refusal. 3193 i. Skc. 102. Funeral, ctc., expenses.—.If death results from the injurj' within one year, the employer shall pay the reasonable expenses of the last sickness and burial of an injured employee, not exceeding $100, but without deduction of any amount theretofore paid for compensation or for medical expenses. 3193 j. Sec. 103 (as amended 1919, ch. 203; 1921, ch. 186). Compensation.— Tiie following schedule of compensation is hereby established for injuries resulting in total disability: (a) For the first 475 weeks of total disability, 50 per cent of the wages of the injured employee as defined by this aci as amended; but the compensation shall not be more than $15 per week nor less than $5 per week, and shall not exceed in the aggregate the sum of $4,000: Provided, That if at the time of injury, the employee receives wages of less than $5 per week, then he shall receive the full amount of such wages per week as compensation. Nothing in this paragraph (a) shall require the payment of compensation after dis ability shall cease. Should partial disability be followed by total disability, 148 w o r k m e n 's COMPENSATION LAWS----UNITED STATES tlio period of 475 weeks mentioned in this paragraph (a) of this section shall be reduced by the number of weeks during which compensation was paid for such partial disability. (ft) For disability for work partial in character (except the particular ruses mentioned in the next succeeding subsection (c) of this section), 50 per cent of the difference between the wages received by the injured employee before the injury and the earning power of the employee thereafter, but such compensation shall not be more than $15 ]>er week. This compensation shall be paid during the period of such partial disability for work; not, however, beyond 285 weeks. Should total disability for work be followed by partial disability for work, the period of 285 weeks mentioned in this subsection (ft) shall be reduced by the number of weeks during which compensation was paid for such total disability. (e) For all permanent injuries of the following classes, the compensation, . regardless of the earning power of such injured employee after such injury, shall be «s follows: For the loss of a hand, 50 per cent of wages during 158 weeks. For the loss of an arm, 50 per cent of wages during 194 weeks. For the loss of a foot, 50 per cent of wages during 135 weeks. For the loss of a leg, 50 per cent of wages during 194 weeks. For the loss of an eye, 50 per cent of wages during 113 weeks. For the loss of two or more of such members, not constituting total dis ability, 50 per cent of wages during the aggregate of the period specified for each. For the loss of a thumb, 50 per cent of wages during 60 weeks. For the loss of a first finger, commonly called index finger, 50 per cent of wages during 35 weeks. For the loss of a second linger, 50 per cent of wages during 30 weeks. For the loss of a third finger. 50 per cent of wages during 20 weeks. For the loss of a fourth finger, commonly called little finger, 50 per cent of wages during 15 weeks. The loss of the first phalange of the thumb or of any finger shall be con sidered to be equal to the loss of one-half of such thumb or finger, and com pensation shall be for one-half of the period, and compensation for the loss of one-half of the first phalauge shall be for one-fourth of the period. The loss of more than one phalange shall be considered as the loss of the entire finger or thumb: Provided, however, That in no case shall the amount received for more than one finger exceed the Amount provided in this schedule for the loss of a hand. For the loss of a great toe, 50 per cent of wages during 30 weeks; For the loss of one of the toes, other than a great toe. 50 per cent of wages during 10 weeks: The loss of the first phalange of any toe shall be considered to be equal to the loss of one-lialf of such toe. and compensation shall be for one-half of the period. The loss of more than one phalange shall be considered as the loss of the entire toe. For the loss of a fractional part of the vision of an eye the compensation shall be for such percentage of the total number of weeks allowed for the total loss of the use of an eye under this subsection (e) as the loss suffered bears to the total loss of an eye. In all other cases in this class, or when the usefulness of a member or any physical function is permanently impaired, the compensation shall bear such relation to the amount stated in the above schedule as the disabilities bear to those produced by the injuries named in the schedule. Unless the board shall otherwise determine from the facts, the loss of both hands or both arms, or both feet, or both legs, or both eyes, or an injury to the spine resulting in permanent and complete paralysis of both legs, or both arms, or of one leg and one arm, or an injury to the skull resulting in incurable imbecility or insanity, shall constitute total disability for work, to be compen sated according to the provisions of subsection (a) of this section. Amputation between the elbow and the wrist shall be considered as the equivalent of the loss of a hand, and amputation between the knee and ankle shall be considered q s the equivalent of the loss of a foot. Amputation at or above the elbow shall be considered as the loss of an arm, and amputation at or above the knee shall be considered as the loss of a leg. Total loss of the use of a hand, arm, foot. TEXT OF LAWS— DELAWARE 149 leg, or eye shall be considered as the equivalent of the loss of such hand, arm, foot, leg. or eye. This compensation shall not be more than $15 per week, nor less than $5 pet* week: Provided, That, if at the time of injury, the employee receives wages of less than $5 per week, then he shall receive the full amount of such wages per week as compensation. *i ) Should the employee die as a result of the injury, the period during which condensation shall be payable to his dependents under the next suc ceeding section shall be reduced by the period during which compensation was paid to him in his lifetime under this section of this article. No reduction shall be made for the amount which may have been paid for medical, surgical, and hospital services, and medicines, nor for the expenses of last sickness and burial as hereinbefore provided. Should the employee die from some other cause than the injury as herein defined, the liability for compensation, expenses of last sickness, and burial of such employee shall cease. 3193 k. S ec. 104 (a s am ended, 1919, ch. 203). Benefits; distribution of.—In ca^e o f death, com pensation shall be computed on the follow in g basis and dis tributed to the follow in g p erson s: 1. To the child or children, if there be no widow nor widower entitled to compensation, 25 per cent of wages of deceased, with 10 per cent additional for each child in excess of two, with a maximum of 60 per cent, to be paid to their guardian. 2. To the widow or widower, if there be no children, 25 per cent of wages. 3. To the widow or widower, if there be one child, 40 per cent of wages. 4. To the widow or widower, if there be two children, 45 per cent of wage*. 5. To the widow or widower, if there be three children, 50 per cent of wages. 6. To the widow or widower, if there be four children, 55 per cent of wages. 7. To the widow or widower, if there be five children or more, 60 per cent of wages. Such compensation to the widow or widower shall be for the use and benefit of such widow or widower and of the dependent children, and the industrial accident board may from time to time apportion such compensation between them in such way as it deems best. The industrial accident board, in its dis cretion, may require payments to be made direct to a minor who has been injured, and may also require payments to be made to the person caring for any dependent minor, when, in the opinion of the industrial accident board, the expense of securing the appointment of a guardian would be disproportionate to the amouut of compensation payable to such minor. 8. If there be neither widow, widower, nor children, then to the father and mother, or the survivor of them, if dependent to any extent upon the employee for support at the time of his death, 20 per cent of wages. 9. If there be neither widow, widower, children, nor dependent parent, then to the brothers and sisters, if actually dependent to any extent upon the deco dent for support at the time of his death, 15 per cent of wages for one broilier or sister, and 5 per cent additional for each additional brother or sister, with a maximum of 25 per cent; such compensation to be paid to their guardian. Compensation shall be payable under this section to or on account of any child, brother, or sister, only if and while such child, brother, or sister, is under the age of 16 years. No compensation shall be payable under this section to a ' widow, unless she was living with her deceased husband at the time of his death or was then actually dependent upon him for support, but in such case, compensation shall be distributed to the persons who would be dependents in case there were no widow. No compensation shall be payable under this section to a widower, unless he be incapable of self-support at the time of his wife's death, and bo at such time dependent upon her for support. The terms “ child ” and “ children ” shall include stepchildren and adopted children and children to whom the deceased stood in loco parentis, if members oi: the decedent’s household at the time of his death, and shall include post humous children, but shall not include married children. Should any dependent of a deceased employee die, or should the widow or widower remarry, or should the widower become capable of self-support, the right of such dependent or such widow or widower to compensation under this section shall cease. If the compensation payable under this section to or on account of any per son shall for any cause cease, the compensation of the remaining persons entitled thereunder shall thereafter be the same as would have been payable 150 WOBKMEN's COMPENSATION LAWS— UNITED STATES to them had they been the only persons entitled to compensation at . the time of the death of the deceased: Provided, however, That the period shall be re duced by the number of weeks during which payments were made to the deceased or to any other person or class of persons entitled. The wages upon which death compensation shall be based shall not in any case be taken to exceed $30 per week nor to be less than $10 per week. Sub ject to the provisions of subsection (d) of the last preceding section, this compensation shall be paid during 285 weeks, and in the case of children entitled to compensation under this section the compensation of each child shall continue after such period of 285 weeks until such child shall reach the age of 16 years, at the rate of 15 per cent of wages if there be but one child, with 10 per cent additional for each additional child, with a maximum of 60 per cent. Children are not entitled to compensation during the period that compensation is payable to their mother or father, except as herein provided. 3393 1. S ec. 105. Xoticc of accidents.—Unless the employer shall have actual knowledge of the occurrence of the injury, or unless the employee or some one on his behalf, or some of the dependents, or some one on their behalf, shall give written or printed notice thereof to the employe^ within 14 days after the accident, no compensation shall be due until such notice be given or knowledge obtained. If such notice be given or the knowledge obtained after 14 days, but within 30 days after the accident, the delay shall not bar compensation unless the employer shall show that he was prejudiced thereby, and then only to the extent of such prejudice. If such notice be given or the knowledge obtained after 30 days, but within 90 days after the accident, and if the employee or other beneficiary shall show that his delay in giving notice was due to his mistake or ignorance of fact or of law, or to his physical or mental inability, or to fraud, misrepresentation, or deceit, of the employer or some one authorized to represent such employer, or to any other reasonable cause or excuse, then compensation shall be allowed, except to the extent that the employer shall show that he was prejudiced by such delay. Unless knowledge be obtained or such notice given within 90 days after the accident no compensation shall be allowed. The notice referred to in this section shall be in writing and shall be sufficient to inform the employer that a certain employee, by name and residence, received an injury by accident (the character of which is described in ordinary lan guage), arising out of and in the course of his employment on or about a time specified and at or near a place specified. 3193 m. Sec. 106. Medical examinations.— [Standard provisions as to sub mission and presence of own physician. Wages and traveling expenses must be reimbursed for all examinations after the first. Refusal or obstruction deprives of compensation absolutely for the period covered thereby. Facts learned by physicians attending or examining injured employees are not privileged.] 3193 n. Sec. 107. Agreement*.—If the employer and the injured employee, or his dependents in case of his death, reach an agreement in regard to compensa tion in accordance with the provisions of this article, a memorandum of such agreement, signed by the parties in interest, shall be filed with the industrial accident board, and if approved by it shall be deemed final and binding unless modified as provided in 3193 p, section 109. Such agreement shall be approved by said board only when the terms thereof conform to the provisions of this article. 3193 o. Sec. 108. Notice of disagreement.—If the employer and the employee, or his dependents in case of his death, fail to reach an agreement in regard to compensation under this article, or if, after they reach such an agreement, the industrial accident board shall refuse to approve the same, either party may notify the industrial accident board of the facts, and the said board shall there upon, after notice of the time and place of hearing served on all parties in interest, hear and determine the matter in accordance with the facts and the law and state its conclusion of fact and rulings of law. 3193 p. Sec. 109. Review.—On the application of any party in interest on the ground that the incapacity of the injured employee has subsequently ter minated, increased, diminished, or recurred, or that the status of the dependent lias changed, the board may at any time, but not oftener than once in six mouths, review any agreement or award, and oi> such review may make au award ending, diminishing, increasing, or renewing the compensation previously agreed upon or awarded and designating the persons entitled thereto, subject to TEXT OF LAWS— DELAWARE 151 the provisions of this article, and shall state its conclusions of fact and rulings of law and immediately send to the parties a copy of the award, but this section shall not apply to a commutation of payments under 8193 t, section 118. 3.193 q. S ec . 110 (as amended 1921, ch. 180), 3193 r. S ec. I l l (as amended 1919, ch. 203). Procedure.— [The board is to make necessary inquiries and investigations, hold its hearings in a reasonable place, file awards, and furnish copies thereof to the parties. The superior court of the State is to make rules and provide for the obtaining of evidence outside the State. Subpoenas run throughout the State. In the absence of fraud, awards are final except as provided in 3193 p. sec. 109, unless an appeal is taken to the superior court within 10 days after a copy is sent to the parties. The court decides from the record, without a jury, and may reverse, affirm, modify, or remand for rehearing. No deposit of costs will be required, but costs may be awarded in the discretion of the court. The court, on hearing an appeal, may appoint impartial physicians or surgeons to examine the claimant, fix their compensation, and tax the same as costs. Physicians’ reports are not to be conclusive of facts, but advisory only.] 3198 s. S ec . 112 (as. amended 1919, ch. 203). Alien beneficiaries.—Com pensation under this article to alien dependent widows and children not residents of the United States, shall be one-half of the amount provided in each case for residents; and the employer may at any time commute all future iiastall ments of compensation payable to alien dependents, not residents of the United States, by paying to such alien dependents the then value thereof cal culated in accordance with the provisions of 3193 t. section 1.13 of the act to which this in an amendment. Alien widowers, parents, brothers, and sisters, not residents of the United States, shall not be entitled to any compensation. Nonresident alien dependents may be officially represented by the consular officers of the nation of which such alien or aliens may be citizens or subjects, and in sucli cases, the consular officers shall have the right to receive for distribution to such nonresident alien dependents, all compensation awarded hereunder, and the receipt of such consular officers shall be a full discharge of all sums paid to and received by them. 8193 t. Sec. 113. Lump sums.—The condensation contemplated by this arti cle may be commuted by said industrial accident board at its present value when discounted at 5 per cent interest, with annual rests, disregarding (except in commuting payments due under subsection (a) 3193 j, sec. 103, of this article) the probability of the beneficiary’s death, upon application of either party, with due notice to the other, if it appear that such commutation will be for the best interest of the employee or the dependents of the deceased employee, or that it will avoid undue expense or undue hardship to cither party, or that such employee or dependent has removed or is about to remove from the United States, or that the employer has sold or otherwise d’sposed of the whole or the greater part of his business or assets. Upon paying such amount the employer shall be discharged from all further liability on account of the injury or death. Commutation shall not be allowed for the purpose of enabling the injured employee or the dependents of a deceased employee to satisfy a debt (other than a mortgage upon his or their home or household furniture, created before the accident) 8193 u. S ec . 114 (as amended 1919, ch. 203). Deposits.— [Where the amount of future payments awarded or agreed upon is certain, a sum equal to all future installments may be deposited with a savings bauk or trust company for disbursement, relieving the employer from further liability. If any sum remains after liability ceases, it is to be returned to the employer.] 8193 v. S ec . 115. Limitation.— [Claims are barred unless within one year after the injury or death an agreement has been made or application made to the board. If payments have been made, the year begins to run from the time of making the last payment.] 31.93 w. S ec . 110. Industrial accident board.— [An industrial accident board of three competent persons is appointed by the governor for terms of six years each, one term expiring every two years. Members hold office until their successors are appointed and qualified, but may be removed at any time by the governor with or without cause. Members take oath; the board has a seal, elects its own president, may employ a secretary and such clerical and other assistance as required, is entitled to traveling expenses, and must main tain an office kept open at reasonable hours, keeping a record of its transac tions. It hears disputes, makes its own rules of procedure, supplies blanks 152 w o r k m e n 's COMPENSATION LAWS— UNITED STATES for information, aud issues subpoenas, administers oaths, requires the pro duction of documents, etc. Process is served by county officials or employees of the board. Disobedience or misbehavior, refusal to take the oath or to be examined, or neglect to product; printed documents subjects the offender to punishment for contempt on certification of the facts to any judge of the supreme court of the State. Members receive $2,500 per aunum, and a ma jority constitutes a quorum. The board may appoint physicians to make medical examinations and testify in respect thereto, who may be allowed a reasonable fee, not exceeding $5 for each examination, the same to be included in its expense account. The board is to inquire into the causes and results of industrial accidents and their prevention, also to study the operation of the act and report its findings and recommendations at each session of the gen eral assembly. It is also to furnish blanks to employers and employees, and such literature as is deemed requisite to facilitate and promote the efficient administration of the act.] 3198 x. Sec. 117. Reports of accidents.— [Employers under the act are re quired to keep a record of all injuries to their employees in the course of their employment and report the same within 10 days after knowledge of their occurrence. A supplemental report is to be made on the termination of disability. Name, age, sex, and occupation; time, nature, and cause of the injury; and such other information as the board may require are to be in cluded. Such reports are not to be used as evidence, but are exclusively for the information of the board in securing data as the basis of recommendations to the general assembly.] 3193 y. Sbc. 118, 3193 z. Seo. 119 (as amended 1919, ch. 203), 3193 aa. Skc. 120-3193 gg. Sec. 120. Insurance.— [Employers accepting the provisions of the act must insure their liability thereunder. If satisfactory proof of financial ability to pay direct compensation is given, the board may authorize selfinsurance. Sums awarded or agreed upon in case of injury to an employee of a self-insurer must be paid into a savings bank or trust company in accord ance with provisions of 3193 u, sec 114. Failure to make such payment within 80 days forthwith terminates the right to self-insurance. Employers must file with the board, annually or as often as required, evidence of compliance with the requirements as to insurance. Failure is punishable by fines, and also leaves the employer liable to either a claim for compensation or an action at law for damages. If suit is brought, the defenses of fellow service, con tributory negligence, and assumed risks are not: allowed; and if default con tinues for 30 days, the employer may be enjoined from carrying on his busi ness while such default continues. On evidence of compliance, the industrial board issues a certificate to author ize self-insurance, which may be revoked on satisfactory evidence on at least 60 days* notice; a new certificate may be granted after the expiration of one year from such revocation. Employe vs may form mutual insurance associations, or enter into benefit schemes with their employees, subject to the approval and control of the board. No substitute system will be approved unless it provides at least equivalent benefits, and, if contributions from employees are required, commensurate added benefits must be allowed. The board may terminate such systems on reasonable notice and hearing for cause shown. All insurance policies covering compensation liabilities are subject to the provisions of the act, and must contain a provision to the effect that as between the employee and the insurer notice or knowledge on the part of the employer is notice or knowledge on the part of the company and that the company accepts the jurisdiction of the employer and is bound by awards against him. The obligations of the policies are not to be affected by default of the employer after the injury or by any default in the giving of notice required by the policy or otherwise. Such agreement shall be construed to be direct promise by the company to the person entitled to compensation enforceable in his name.] 3193 hh. S ec. 127. Payment of benefits.— [Except as otherwise provided bene fits are to be paid as wages, but the. board may authorize payments monthly or quarterly instead of weekly, with regard to the welfare of the employee and the convenience of the employer.] 3193 ii. S ec . 128. Contractors.—No contractor or subcontractor shall receive compensation under this article, but shall be deemed to be an employer, and all rights of compensation of the employees of any such contractor or sub contractor shall be against their said employer and not against any other employer. TEXT OF TAWS— DEIA WART! 153 8188 JJ. Sr.c. 129. Intoxication, etc.— I f any employee be injured as a result of his intoxication, or because of his deliberate and reckless indifference to danger, or because of his willful intention to bring about the injury or death of himself or of another, or because of his willful failure or refusal to use a reasonable safety appliance provided for him, or to perform a duty required by statute, he shall not be entitled to recover damages in an action at law, or compensation, or medical or hospital .service under the compensatory pro visions of this article. The burden of proof under the provisions of this section &hall be on the defendant employer. 3193 kk. Sec. 130. Joint employment.—Whenever an employee for whose in jury or death compensation is payable under this article, at the time of the injury, be in the joint service of two or more employers subject to this article, such employers shall contribute to the payment of such comiiensation in pro portion to their wage liability to such employee, regardless of the question for whom such employee was actually working at the time of the injury. 3193 11. S ec . 131. Actions against third parties.— [If a third party is legally liable for damages on account of the injury, the employee may either claim compensation from the employer or sue such third party, but may not proceed against both. If compensation is awarded, the employer is subrogated to the rights of the injured employee or his dependents and may recover in his own name or that of the injured employee damages for the injury, any excesa recovery, less costs, to go to the employee or his dependents. ) 3193 mm. S ec . 132. Status of paytnents.— [The right to compensation has the same preference as unpaid wages for labor. Claims and awards are not assignable, and are exempt from claims of creditors. If default is made in payments for 30 days after demand, recovery may be had in the same manner as claims for wages are now collectible. Fees of attorneys and physicians are subject to the approval of the board. 1 3193 nn. Sec. 133. Sympension of payments.—If an injured employee refuses employment suitable to his capacity, procured for him, he shall not be entitled to any compensation at any time during the continuance of such refusal unless, in the opinion of the industrial accident board, such refusal was justifiable; and if an employee receives an injury for which compensation is payable, after having received an injury in another employment, he shall be entitled to com pensation by the subsequent employer (not being the employer for whom he worked at the time of the former injury) for the subsequent injury in the same amount as if the previous injury had not occurred. 3193 oo. S ec. 134. Construction.—Whenever in this article the singular is used, the plural shall be included; where the masculine gender is used, the feminine and neuter gender shall be included. 3193 pp. S ec . 135 (as amended 1923, ch. 200). Employers.— T h e following shall constitute employers subject to the provisions of this article: Every person, firm, association, and corporation, private, public, or municipal (except ing the employers mentioned in 3193 vv. section 141. and 3193 ww. section 142 hereof) having in his or its service any employee defined In 3193 qq. section 136 of this article. If the employer is insured, it shall include his or its insurer as far as practicable. 3193 qq. S ec. 130 (as amended 1923, ch. 206). Employees.—The term “ em ployee” as used in this article shall be construed to mean: Every person in the service of any person, firm, association, and corporation, private, public or municipal (excepting the employees mentioned in 3193 vv. section 141 and 3193 ww. section 142 hereof) under any contract of hire, expressed or implied, oral or written, or performing services for a valuable consideration, but not including any person whose employment is casual and not in the regular course of the trade, business, profession or occupation of his employer, and not includ ing persons to whom articles or materials are given out to be made up, cleaned, washed, altered, ornamented, finished or repaired, or adapted for sale in the worker’s own home, or on other premises not under the control or manage ment of the employer. 3193 rr. S ec . 137. Injury.—The terms “ injury” and “personal injury” as used in this article shall be construed to mean only violence to the physical structure of the body and such disease or infection as naturally results directly therefrom when reasonably treated; and whenever death is mentioned as a cause for compensation under this article it shall mean only death resulting from such violence and its resultant effect when reasonably treated as afore said, and occurring within 285 weeks after the accident. 154 w o r k m e n 's COMPENSATION LAWS— UNITED STATES 3103 ss. Skc. 138. Restrictive clause.—The term “ personal injury ” sustained by accident arising out of and in the course of the employment: (a) Shall not cover an employee except while he is engaged in, on, or about the premises where his services are being performed, which are occupied by, or under the control of, the employer (his presence being required by the nature of his employment), or while he is engaged elsewhere in or about his employer’s business where his services require his presence as a part of such service at the time of the injury. (b) It shall not include any injury caused by the willful act of another directed against him by reasons personal to such employee and not directed against him as an employee or because of his employment. (c) It shall not include a disease or infection, except as it shall result from the injury when reasonably treated. 3103 tt. S ec . 330. Dependent.—The term “ dependent ” shall include all per sons other than the injured employee who are entitled to compensation under the provisions of the elective schedule set forth in this article, and wherever the context requires it shall be held to include the personal representatives, and the widow or widower of the deceased, and guardians of infants or trustees for incompetent persons. 3193 tt. Sex;. 139a (added 3921, ch. 380). Construction.— For the purpose of making more clear certain of the provisions of the act to which this sec tion is an amendment, provision is hereby made as follows: (a) The term “ compensation” wherever used in this act and wherever the context requires it shall be held to include surgical, medical, and hospital services, medicines and supplies, and funeral benefits provided for in this act. (b) The notice required to be served on all parties in interest under the provisions of 3193 o, section 108, chapter 90, Revised Code, as amended by chapter 233, volume 29, Laws of Delaware, may be served personally or sent by registered mail. (c) The provision in 3193 p, section 109, chapter 90, Revised Code, as amended by chapter 233, volume 29, Laws of Delaware, that the industrial accident board shall 44send to the parties a copy of the award ” shall be coustrued to mean either personal delivery of such copy or the sending thereof by registered mail. (d) Proceedings for compensation may be instituted by the surviving parent, guardian, or next friend in the case of minors claimiug to be entitled to com pensation, and all notices thereafter shall be given in the manner provided in this act to said parent, guardian, or next friend. (c) Compensation agreed upon or awarded to injured employee who shall have died and which shall not have been paid at the time of his death, shall be paid to his nearest dependent as indicated by 3193 k, section 104, chapter 90, Revised Code of the State of Delaware, as amended by chapter 233, volume 29, Laws of Delaware, and chapter 203, volume 30, Laws of Delaware. (f) In construing the words “ earning power of the employee thereafter as the same appears in subsection (b) of 3193 j, section 103, chapter 90, of the Revised Code of the State of Delaware, as amended by chapter 233, volume 29, Laws of Delaware, the industrial accident board shall take into consideration the value of gratuities, board, lodging, and similar advantages received by the employee in a subsequent employment. 3193 uu. Seo. 340 (as amended 1939, ch. 203). Wages.—Wherever in this act the term “ wages ” is used it shall be construed to mean the money rate at which the service rendered is recompensed under the contract of hiring in force at the time of the accident, and shall not include gratuities received from the employer or others; nor shall it include board, lodging, or similar advant ages received from the employer, unless the money value of such advantages shall have been fixed by the parties at the time of hiring; nor shall it include amounts deducted by the employer, under the contract of hiring, for labor, material, supplies, tools, or other things furnished or paid for by the employer, and necessary for the performance of such contract by the employee. In oc cupations involving seasonal employment or employment dependent upon the weather, the employee’s weekly wages shall be taken to be one-fiftieth of the total wages which he has earned from all occupations during the year im mediately preceding the accident, unless it be shown that during such year, by reason of exceptional causes, such method of computation does not ascer tain fairly the earnings of the employee, in which case the period for calcu lation shall be extended so far as to give a basis for the fair ascertainment of TEXT OF LAWS----DISTRICT OF COLUMBIA 155 his average weekly earnings. In continuous employments, If immediately prior to the accident, the rate of wages was fixed by the day or hour, or by the out put of tlie.employee, his weekly wages shall be taken to be five and one-half times his average earnings at such rate for a working day of ordinary length, excluding earnings from overtime, and using as a basis of calculation his earnings during so much of the preceding six months as he worked for the same employer. 811)8 vv. S e c . 141 (as amended 1923, ch. 206). Exemptions.—This article shall not apply to the employers or employees in any employment in which loss than five employees arc engaged; nor to farm laborers and domestic servants or to their respective employers; nor to officers and servants of the State or any governmental agency ercated by it, excepting officers and servants of the mayor and council of Wilmington, a municipal corporation of the St«ite of Delaware, who shall have been neither elected or appointed for a term of office or fixed and definite duration or to complete the unexpired portion of any yueh term: Provided, however, That the said the mayor and council of Wilmington shall at all times apply to the industrial accident board for a certificate for self-in.suranee. 8198 ww. S e c . 142. Interstate commerce.—This article shall not apply to employees injured or killed while engaged in interstate or foreign commerce, nor to their employers in case, and whenever, the laws of the United States provide for compensation or for liability for such injury or death. 8193 xx. S e c . 143 (as amended 1919, ch. 203). Act in effect—This act shall begin and take effect from the 1st day of January, A. D. 1918. If any provision of this article shall be held to be void or unconstitutional it is hereby provided that all other portions of the same, which are not ex pressly held to be void or unconstitutional, shall continue in full force and effect. DISTRICT OF COLUMBIA ACTS OF 1919— S i x t y - s i x t h C o n g ress PirBLic No. 6.—Compensation of workmen for injuries—Public employees S e c t io n 11. Act extended; scope.—All the provisions of the act of Congress approved September 7, 1916, entitled “An act to provide compensation for em ployees of the United States suffering injuries while in the performance of I heir duties and for other purposes," are hereby extended to employees of the government of the District of Columbia so far as they may be applicable, except to those members of the police and fire departments of the District of Columbia who are pensioned or pensionable under the provisions of the Dis trict. of Columbia appropriation act approved September 1, 1916. Such com pensation as the commission provided for in said act may award to employees of the government of the District of Columbia shall be paid in the manner provided by law for the payment of the general expenses of the government of the District of Columbia. For carrying out the provisions of this section there is appropriated $5,000; and the commissioners of the District of Columbia shall submit annually to Congress, through the Secretary of the Treasury, estimates of appropriations necessary for the foregoing purpose. Approved July 11, 1919. 1965°— 26-------11 GEORGIA ACTS OF 1020 Compensation of workmen for injuries ( ! ’ag« 107) S e c t i o n 1. Title.—This act shall be known as the Georgia workmen’s com pensation act. Sec. 2 (as amended, 1922. p. 185). Definition*.—in this act. unless the context otherwise requires: (a) ''Employers’* shall include any municipal corporation within the Stale and any political division thereof, and any individual, linn, association, or corporation engaged in any business operated for gain or profit, except as here inafter excepted, and the receiver or tnuree of the same, and the kural repre sentative of a deceased employer, using the service of another for pay. If the employer is insured, it shall include his insurer so far as applicable. (b) ••Employee” shall include every person, including a minor, in the service of another under any contract of hire or apprenticeship, written or implied, except one whose employment is not in the usual course of the trade, business, occupation, or profession of th«> emp'over ami, except as hereinafter set out. M?nors are included even though working in violation of any child'labor law or other similar statute: Provided, That nothing herein contained shall be con strued as repealing or altering any miicIi law or situuie. Any reference to any employee who has been injured shall, when the e m p l o y e e is dead, include also his legal representatives, dependents, and oilier persons to whom compensa tion may be payable, pursuant to (he provisions of this act. (c> The basis for computing the com].ensation provided for in this act shall be as follows: 3, The compensation of an injured person shall be computed on the basis of the regular wage received by the employee on the date of the accident. The compensation of the injured person who has not been receiving regular wages and has been employed for such a short period of time, that it is imprac ticable to accurately determine his wages, the wages of the employees of the same class, in the same employment, in the same locality, or, If that be impracti;‘iii>ie, of neighboring employees of the same kind, shall be used as a basis for deierminiug the wages of such injured employee. (d) "in ju r y " and ‘‘ personal injury” shall mean an injury by accident arising out of and in the course of employment and shall not include a disease in any form except that resulting naturally and unavoidably from the acci dent. Nor shall “ injury ” and “ personal injury ” include injury caused by the willful act of the third person directed against the employee for reasons i>ersonal to such employee. When an employee coming under provisions of this act receives an injury for which compensation Is payable under this act and which injury was caused under circumstances creating a legal liability in some person other than the employer to pay damages in resi>ect thereto the employee, or beneliciar.v, may take proceedings both against that j>erson to recover damages and against the employer for compensation, but the amount of compensation to which he is entitled under this act shall be reduced by the amount of damages recovered. If the employee, or beuettciary of the employee, in such case recovers com pensation under this act, the employer by whom the compensation was paid, or the party who was called upon to pay the compensation, shall be entitled to indemnity from the person so liable to pay damages as aforesaid, and shall be subrogated to the rights of the employee to recover therefrom, to the extent of the condensation. (e) In all claims for compensation for hernia resulting from injury by acci dent arising out of and in the course of the employee’s employment it must 156 TEXT OP LAWS— GEORGIA 157 be* definitely proven to the satisfaction of the industrial commission: First, that, there was an injury resulting in hernia; second, that the hernia appeared suddenly; third, that it was accompanied by pain; fourth, that the hernia im mediately followed an accident; fifth, that tlie hernia did not exist prior to the accident for which compensation is claimed. All hernia, inguinal, femoral, or otherwise, so proven to be the result of an injury by accident arising out of and in course of the employment shall be treated in a surgical manner by radi cal operation. If death result from such operation, the death shall be con sidered as a result: of the injury and compensation paid in accordance w iili the provisions of section 38. In nonfatal cases time loss only shall be paid, unless it is shown by special examination, as provided in section 28, th:>t the injured employee has a permanent partial disability resulting after the operation. If so, compensation shall be paid in accordance with the pro visions or* section 38 with reference to partial disability. In case the injured employee refuses to undergo the radical operation for the cure of such hernia, n o compensation shall be allowed during the time such refusal continues. If, however, it is shown that the employee has some chronic disease, or is otherwise in such physical condition that the commission considers it unsafe for the employee to undergo said operation, the employee shall be puid as provided in section 81. Sw:. 3. Pending suits.—The provisions of this act shall not alTect pending litigation. Srccs. -I. 5. Election.— [Employers and employees are presumed to accept the provisions of the act unless prior to the occurrence of the accident notice of rejection has been given by the one to the other. Forms are prescribed, to he substantially complied with; also for waivers of such rejection, which may be made at any time. Copies are to be sent also to the industrial commission, and if not so filed within 10 days after service, due and proper notice w*ll be deemed not to have been given. Employers* notices are to be conspicuously posted. Notices are valid after 30 days, except for accidents within 30 days after employment if notice was given at the time of the employment.] Sec. 6. Presumption as to contracts.— [In the absence of notice that the provisions of the act other than sections 16, .17, and 18 do not apply, contracts of service will be presumed to have been made subject to the provisions of this act. This applies to minors.] Ssc. 7. Waivers forbidden.—No contract or agreement, written or implied, no rile, regulation, or other device, shall in any manner operate to relieve any employer in whole or in part of any obligation created by this act, except as herein otherwise expressly provided. S k c . 8. Corporations.—Neither any municipal corporation within the State, m.-r any political subdivision thereof, nor any employee of any such corpora tion or subdivision shall have the right to reject the provisions of this act relative to payment and acceptance of compensation; and the provisions of sections 5, 6. 16. 17, and 18 shall not apply to them. S k c . 0. Interstate carriers.—This act shall uot apply to any common carrier by railroad engaging in commerce between any of the several States or Terri tories. or between the District of Columbia and any of the States or Terri t o r i e s and any foreign nation or nations, nor to any person suffering injury or death while he i s employed by such carrier in such commerce, nor shall this act he construed to lessen the liability of such common carrier or to diminish or take away in any respect any right that any person so employed or the personal representative or kindred or relation or dependent of such person may have under the act of Congress relating to the liability of common carriers by railroads to tlieir employees in certain cases, approved April 22, 1908. Sec. 10. Prior injuries.—The provisions of this act shall not apply to in juries or death, nor to accidents which occurred prior to the taking effect of this act. Sec. 11. Insurance.—Every employer who accepts the compensation provi sions of this act shall insure the payment of compensation to his employees in the manner hereinafter provided, and while such insurance remains in force he or those conducting his business shall only be liable to any employee for personal injury or death by accident to the extent and in the manner herein specified. Sec. 12. Remedies.—The rights and remedies herein granted to an employee where he and his employer have accepted the provisions of this act respectively to pay and accept compensation on account of personal injury or death by 158 w o r k m e n 's COMPENSATION LAWS— UNITED STATES accident shall exclude all other rights and remedies of such employee, his personal representative, parents, dependents, or next of kin, at common law or otherwise 011 account of such injury, loss of service, or death. Sec. 13. Violation of statutes.—Nothing in this act shall be construed to relieve any employer or employee from penalty for failure or neglect to per form any statutory duty. Sec. 14. Willful misconduct, etc.—No compensation shall be allowed for any injury or death due to the employee's willful misconduct, including inten tional self-inilicted injury, or growing out of his attempt to injure another, or due to intoxication or willful failure or refusal to use a safety appliance or perform a duty required by statute, or the willful breach of any rule or regu lation adopted by the employer and approved by the industrial commission, and brought prior to the accident to the knowledge of the employee. The burden of proof shall be upon him who claims an exemption or forfeiture under this section. Srcc. 35 (as amended 1925, p. 282). Exempt employments.—This act shall not apply to common carriers, engaged in interstate [intra.stale] trade Lor| com merce, the motive power of which is steam, nor shall this act be construed to lessen the liability of such common carriers or to take away or diminish any right that any employee, or in case of his death, the personal representative of such employee, of such common carrier may have, under the laws of this Stale; employees not in the usual course of the trade, business, occupation or profession of the employer or not incidental thereto; farm laborers or do mestic servants; nor to employees of institutions maintained and operated as public charities; nor to employers of such, persons: nor to any persons, linns or private corporation, including any public servico corporation, that has regu larly in servico less than ten employees in the same business within this Suite; unless such employees and their employers voluntarily elect to be bound by this act. When an employer and his employees elect to be bound by this act the election shall continue until recalled by joint action of employer and employees and shall be effective after notice is given to the industrial commission, and shall include employees subsequently employed, unless they elect to reject the act. Skcs. 1G--1S. Common law defenses.— [Rejecting employers may not plead the common law defenses, even though the employee also rejects; if Hie employer accepts and the employee rejects, the employer may plead the defenses as at common law..I Skc. 19. Direct settlements.—Nothing herein contained shall be construed so as to prevent settlements made by and between the employee and employer, but rather to encourage them, so long as the amount of compensation and the time and manner of payment are in accordance with the provisions of this act. A copy of such settlement agreement shall be filed by he employer with tJie commission, and no such settlement «hall be binding until approved by the commission. Sec. 20. Liability of principals.—A principal, intermediate, or subcontractor shall be liable for compensation to any employee injured while in the employ of his subcontractors and engaged upon the subject matter of the contract to the same extent as the immediate employer. Any principal, intermediate, or subcontractor, who shall pay compensation under the foregoing provisions, may recover the amouut paid from any person who, independently of this section, would have been liable to pay compensa tion to the injured employee, or from any intermediate contractor. Every claim for compensation under this section shall be in the first instance presented to and instituted against the immediate employer, but such proceed ings shall not constitute a waiver of the employee's rights to recover compen sation under this act from the principal or intermediate contractor: Provided, That the collection of full compensation from one employer shall bar recovery by the employee against any others, nor shall he collect from all a total com pensation in excess of the amount for which any of the said. contractors is liable. This section shall apply only in cases where the injury occurred on, in, or about the premises on which the principal contractor has undertaken to exe cute work or which are otherwise under his control or management. Sec. 21. Compensation preferred.—All rights of compensation granted by this act shall have the same preference or priority for the whole thereof against the assets of the employer as is allowed by law for any unpaid wages for labor. TEXT OF LAWS— GEORGIA 159 Sec. 22. Assignments, etc.—No claim for compensation under this act shall be assignable, and all compensation and claims therefor shall be exempt from all claims of creditors. Secs. 23, 24 (both as amended 3923, p. 92). Notice.— [Employees must give notice, either in person or by a representative of the occurrence of any acci dent, immediately, or as soon as practicable, to the employer or his represen tative, or to the immediate superior of the injured employee. No right to medical aid or compensation accrues until such notice. If not given within 30 days, the notice must be in writing; nor will compensation be payable if no tice is not given within 30 days after the accident or the death resulting there from unless it appears that it was prevented by physical or mental incapacity, fraud or deceit, or that the employer, his agent, representative, foreman, or the immediate superior of the employee had knowledge of the accident, or a reasonable excuse satisfies the commission, or it is reasonably proved that the employer was not prejudiced by the delay. The written notice musfc state the facts in ordinary language, nor will defects or inaccuracies be a bar to com pensation unless the employer’s interest was prejudiced, and then only to the extent of such prejudice. 1 Sec. 25 (as amended 3925, p. 282). Limitation>.— [Claims must be filed within one year after the injury or death; but if proceedings are begun in good faith against a corporation whose charter has expired, but is still doing business, the claimant may proceed against the person or persons carrying on the business, and the one-year limit will not apply.] Sec. 2(5. Medical aid.—For a period of not exceeding 30 days alter an acci dent the employer shall furnish or cause to be furnished, free of charge to the injured employee, and the employee shall accept such necessary medical atten tion as the nature of the accident may require. The industrial commission may at any time, for good cause shown or in its discretion, order a change in such medical attention so furnished by the employer: Provided, That the total liability of the employer for necessary medical attention shall not exceed $100. During llie whole or any part hi the remainder of disability resulting from the injury the employer may, at his own option, continue to furnish or cause to be furnished, free of charge to the employee, and the employee shall accept, an attending physician, unless otherwise ordered by the industrial commission, and in addition such surgical and hospital service and supplies as may be deemed necessary by said attending physician or the industrial commission. The refusal of the employee to accept any medical, hospital, or surgical service when provided by the employer, or on order by the industrial commission, shall bar said employee from further compensation until such refusal ceases, and no compensation shall at any time be paid for the period of suspension unless in the opinion of the industrial commission the circumstances justified the refusal, in which case the industrial commission may order a change in the medical or hospital service. If in an emergency on account of the employer's failure to provide the medical care during the first 30 days, as herein specilied, a physician other than provided by the employer is called to treat the injured employee during the first 30 days, the reasonable cost of such service, not to exceed $300, as above set out, shall be paid by the employer if ordered to do so by the industrial commission. S ec. 27. Cost of medical, etc., service.—The pecuniary liability of the em ployer for medical, surgical, and hospital service herein required when ordered by the commission shall be limited to such charges as prevail in the same com munity for similar treatment of injured persons of a like standard of living when such treatment is paid for by the injured persons, and shall not, in any event, exceed the aggregate of $100 in amount. The employer shall not be liable in damages for malpractice by a physician or surgeon furnished by him pursuant to the provisions of this section, but the consequences of any such malpractice shall be deemed part of the injury resulting from the accident and shall be compensated for as such. Sec. 28. Medical examinations.— [An injured employee must submit to med ical examinations at reasonable times and places, on request and at the expense of the employer, and may have his own physician present. Facts learned by attending and examining physicians are not privileged. Refusing or obstruct ing examinations suspends benefits, and no compensation shall be paid for the period uuless the commission thinks the act justified. The employer or the commission may require an autopsy, at the expense of the party requesting. No compensation for death or disability will be payable in so far as caused by 160 w o r k m e n ’s COMPENSATION M W S — UNTTEI> STATES unreasonable refusal or neglect to submit to or follow competent or reasonable surgical treatment.] Sue. 29 (as amended 1022, p. 385). Waitiny time.—No compensation shall be allowed for the first seven calendar days of incapacity resulting from an injury, including the day of the injury, except the benefits provided for in section 2(>. Sec. 80 (as amended 1022, p. 185). Total disability.—When the incapacity from work resulting from an injury is to'tal, the employer shall pay. or cause to be paid, as hereinafter provided for, the employee during such total in capacity, a weekly compensation equal to one-half of his average waxes, but not more than $15 per week or less than $4 per week, except wh»n the weekly wage is below $4. then the regular wages on the date of the accident shall be the weekly amount paid; and in no case shall the period covered by such compensation be greater than 350 ‘weeks, nor shall the total amount of com pensation exceed $5,000. Sec. 81. Ptrtiai disability.—Except as otherwise provided in the next section hereafter, whore the incapacity for work resulting from the injury is partial, the employer shall pay, or cause to be paid, as hereinafter provided, to the injured employee during such incapacity a weekly compensation equal to one-half the difference between his average weekly wages before the in jury and the average weekly waues which he is able i:.' eirn thereafter, but not more than S>1£ a week, and In no case shall the period covered by such compensation be greater than ‘.00 weeks from the date of the injury. In case the partial incapacity begins after a period of total incapacity, the latter period shall be deducted 'from the maximum period herein allowed for partial incapacity. Sec. 82 (as amended 1928, p. 92). Schedule.—In the eases included by the following schedule the permanent partial industrial handicap, in each case, shall be compensated by paymeuts for the period specified, and the compen sation so paid for *suoh handicap shall be as specified therein, and shali be in lieu of all other compensation for the permanent partial handicap. In addition to the compensation provided in the schedule for permanent partial handicap, compensation for total incapacity for work, as provided in section 80, shali be paid, but compensation for total incapacity for work shall in no case be paid for a period longer than 10 weeks. (a) For the loss of a thumb. 50 per cent of the average weekly wa«res during (SO weeks. (b) For the loss of a first linger, commonly called the index finger, 50 per cent of the average weekly wages during 85 weeks. (0) For the loss of a second finger, 50 per cent of average .veekly wages during 80 weeks {d) For the loss of a third finger, 50 per cent of average weekly wages during 20 weeks. (6) For the loss of a fourth finger, commonly called the little finger. 50 per cent of average weekly wages during 35 weeks. (f) The loss of the first phalange of the thumb, or any finger, shall be con sidered to be equal to the loss of one-half of such thumb or linger and the compensation shall be for one-half of the periods of time above specific d. {y) The loss of more than one phalange shall be considered the Voss of the entire finger or thumb: Provided, That in no case shall the amount received for more than one finger exceed the amount provided In this schedule fer the loss of a hand. (h) For the loss of a great toe, 50 per cent of the average weekly wages during 80 weeks. (1) For the loss of one of the toes, other than a great toe. 50 per cent of average weekly wages during 10 weeks. (j) The loss of the first phalange of any toe shall be considered to be equal to the loss of one-half such toe, and the compensation shall be for one-half of the periods of time above specified. (k) The loss of more than one phalange shall be considered as the loss of the entire toe. (I) For the loss of a hand, 50 per cent of the average weekly wages during 150 weeks. ( m) For the loss of an arm, 50 per cent of average weekly wages during 200 weeks. (a) For the loss of a foot, 50 per cent of average weekly wages during 125 weeks. TEXT OP LAWS— GEORGIA 161 (o) For the loss of a leg, 50 per cent of average weekly wages during 175 weeks. (p) For the loss of an eye, 50 per cent of the average weekly wages during 100 weeks. (q) For the complete loss of hearing in both ears, 50 per cent of the aver age weekly wages during 150 weeks. (r) Total loss of use of a member or loss of vision of an eye shall be con sidered as equivalent to the loss of such member or eye. The compensation for partial l o s s of or for partial loss of use of a member or for partial loss of vision of an eye shall be such proportion of the i>ayments above provided for total loss as such partial loss bears to total loss. Loss of both arms, hands, legs, or feet, or of any two of these members, the permanent total loss of vision in both eyes, shall be deemed permanent total incapacity and shall be compensated under section 30. The weekly compensation payments referred to in this section shall be sub ject to the same limitations as to maximum aud minimum as set out in section 30. Sec. 83. Refuting employment.—If an injured employee refuses employment procured for him suitable to his capacity he shall not be entitled to any com pensation at any time during the continuance of such refusal unless, in the opinion of the industrial commission, such refusal was justified. Skc. 34. Second injuries.—If an employee who suffers an injury in his em ployment. has a permanent disability or has sustained a permanent injury, such as specified in section 32, suffered elsewhere, he shall be entitled to com pensation only for the degree of incapacity which would have resulted from the later accident, if the earlier disability or injury had not existed. S ec. 35. Same.—If an employee receives an injury for which compensation is payable while he is still receiving or entitled to compensation for a pre vious injury in the same employment, he shall not at the same time be entitled to compensation for both injuries, unless the later injury be a permanent in jury, such as specified in section 32; but he shall be entitled to compensation for that injury and from the time of that injury which will cover the longest period and the largest amount payable under this act. Skc. 3»». Same.—if an employee receives a permanent injury as specified in section 32 after having sustained another permanent injury in the same em ployment. he si»ali be entitled to compensation for both injuries, but the total compensation shall be paid by extending the period, and not by increasing the amount of weekly compensation, and in no case exceeding 350 weeks. When :1k* previous and subsequent permanent injuries received in the same employ ment result in total disability compensation shall be payable for permanent total disability, but payments made for the previous injury shall be deducted from the total payment of compensation due. Hi:o. 87. Injuria* outside State.— (a) Where an accident happens while the employee is employed elsewhere than in this State, which would entitle him or his dependents to compensation if it happened in this State, the employee or his dependents shall be entitled to compensation, if the contract of employ ment was made in this State and if the employer’s place of business is in this State or if the residence of the employee is in this State: Provided, His contract of employment was not expressly for service exclusively outside of the State, (b) Provided, hoicever, If an employee shall receive compensa tion or damages under the laws of any other State, nothing herein contained fchall be construed so as to permit a total compensation for the same injury greater than is provided for in this act. Sec. 38 (as amended 1922, p. 185; 1923, p. 92). Death.— When an employee is entitled to compensation under this act for an injury received and death ensues from any cause not resulting from the injury for which he was entitled to the compensation, payments of the unpaid balance for such injury shall cease and all liability therefor shall terminate. If death results instantly from an accident arising out of and in the course of the employment, or if during the period of disability caused by an accident death results proximately therefrom, the compensation under this act shall be as follows: (« ) The employer shall, in addition to any other compensation, pay the rea sonable expenses of the employee’s last sickness and burial expenses not to exceed $100. If the employee leaves no dependents, this shall be the only compensation. 162 w o r k m e n 's COMPENSATION LAWS— UNITED STATES (b) The employer shall pay the dependents of the deceased employee wholly dependent 011 his earnings for support at the time of the injury a weekly compensation equal to 85 per cent of the compensation which is provided for in section 30 for total disability for a period not exceeding 300 weeks from date of injury. (ct) If the employee leaves dependents only partially dependent on his earn ings for support at the lime of his injury, the weekly compensation for those dependent shall be in the same proportion to the compensation for persons wholly dependent as the average amouut contributed weekly by the deceased to the partial dependents bears to his average weekly wages at the time of his injury. (d) When weekly payments have been made to an injured employee before his death the compensation to dependents shall begin on the date of the last of such payments, but shall not continue more than 300 weeks from the date of the iujury not except during dependency. The total compensation to be paid to all dependents of a deceased employee shall not exceed in the aggregate $ 12.75 per week. (c) If the employee does not leave dependents, citizens of or residing at the time of the accident in the United States or Dominion of Canada, the amount of compensation shall not in any case exceed $1,000. Sec. 39. Dependents.—The compensation provided for in section 38 shall be payable only to dependents and only during dependency. The following iwrsons shall be conclusively presumed to be the next of kin wholly dependent for support upon the deceased employee: (a) A wife upon a husband whom she had not voluntarily deserted or abandoned at time of the accident. ( b) A husband upon a wife with whom he lived at the time of her accident if he is then incapable of self-support and actually dependent, upon her. (e) A boy under the age of 18. or a girl under the age of 18. upon a parent. If a child is over the ages specilied above, but physically or mentally incapaci tated from earning a livelihood, he or she shall be presumed to be totally dependent. As used in this section, the term 44boy,” “ girl," or “ child” shall include stepchild, legally adopted children, posthumous children, acknowledged illegiti mate children, but shall not include married children; the term “ parent" shall includc step-parents and parents by adoption. If the deceased employee leaves dependent surviving spouse, as above de scribed and no dependent child or children, the full compensation shall be paid to such spouse; if the deceased employee leaves dependent surviving spouse, as above described, and also a dependent child or children, then the full compensa tion shall be paid to such spouse for his or her use and that, of such child or children, the commission, however, to have the power in proper cases, in its discretion, to apportion the compensation: if the dependent surviving spouse dies before payment is made in full, the balance remaining shall be paid to the person or persons wholly dependent, if any, share and share alike. If there be no person or persons wholly dependent, then payment shall be made to partial dependents. In all other cases questions of dependency, in whole or in part, shall be de termined in accordance with the facts as the facts may be at the time of the accident, but no allowance shall be made for any payment made in lieu of board and lodging or services, and no compensation shall be allowed, unless the dependency existed for a period of three months or more prior to the accident; and in such other cases if there is more than one person wholly dependent, the death benefit shall be divided among them, and persons partially dependent, if any, shall receive no part thereof; if there is no one wholly dependent and more than one person partially dependent, the death benefit shall be divided among them according to the relative extent, of their dependency. For the purpose of this act the dependence of a widow or widower of a de ceased employee shall terminate with remarriage. The dependence of a child, except a child physically or mentally incapacitated from earning a livelihood, shall terminate with the attainment of 18 years of age. In all cases, except such as are hereinbefore specifically provided for, where there are both total and partial dependents, and the total dependents die, remarry, or cease to be dependents the partial dependents shall be entitled to the balance of compen sation, if any. S ec. 40 (as amended 1923, p. 92). Maximum.—The total compensation pay able under this act shall in no case exceed $5,000. TEXT OP LAWS— GEORGIA 163 Sec. 41. Advancc payments.—Any payments made by the employer to the injured employee during the period of his disability, or to his dependents, which by the terms of this act were not due and payable when made, may, subject to the approval of the industrial commission, be deducted from the amount lo be paid as compensation: Provided, That in the case of disability such deductions shall be made by shortening the period during which compen sation must he paid and not by reducing the amount of the weekly payments. Sec. 42. Times of payment.—'The industrial commission, upon application of either parly, may, in its discretion, having reganl to the welfare O f the em ployee and the convenience of the employer, authorize compensation to be paid monthly or quarterly instead of weekly. Secs. 4I>, 44. Lump sum*.— [After not less than 26 weekly installments have been made the parties may agree, with the approval of the commission on the grounds of the interests and convenience of the party, to commute the re maining payments, in whole or in part, to a lump sum, representing their present worth calculated at 5 per cent per annum. If the commission deems it expedient the employer must pay such lump sum to a trustee to be admin istered as provided by the commission, and the employer or other person liable is thereby discharged.] Sec. 45. Rerieiv.—Upon its own motion before judicial determination or upon the application of any party in interest on the ground of a change in condition, the industrial commission may at any time review any award or any settlement made between the parties and fiied with the commission and, on such review, may make an award ending, diminishing, or increasing the compensation previously awarded or agreed upon, subject to the maximum or minimum provided in this act, and shall immediately send to the parties a copy of the award. No such review shall affect such award as regards any moneys paid. Seo. 40. Acquittances.— [Payment to a parent on behalf of children, or to persons over 18, or to guardians of minors under 18 or incompetent, when properly receipted, acquit the employer. Payments in good faith to a depend ent subsequent in right are a discharge unless a dependent having prior right gives notice of such right.] Sec. 47. Incompetent s.—If an injured employee is mentally incompetent or 5s under 18 years of age at the time when any right or privilege accrues to !i»im under this act, his guardian or trustee may, in his behalf, claim and exercise such right or privilege. Sec. 48 (as amended 1025, p. 282). Limitation.— [Limitations do not run against incompetents so long as they have no guardian or trustee, nor against oue who in good faith proceeds against a corporation found to be defunct by reason of expiration of charter.] Seo. 40. Joint employment.—Whenever any employee for whose injury or death compensation is payable under this act shall at the time of the injury be in the joint service of two or more employers subject to this act, such em ployers shall contribute to the payment of such compensation in proportion to their wage liability to such employee: Provided, however, That nothing in this section shall prevent any reasonable arrangement between such employers for a different distribution as between themselves of the ultimate burden of compensation. Secs. 50, 51 (as amended 1922, p. 77), 52, 53 (as amended 1925, p. 282), 54. Industrial commission.— [An industrial commission is created consisting of four persons, a commissioner of commerce and labor, being chairman ex officio, the attorney general being also a member. The governor appoints two other members for terms of four years each, one term expiring every two years. Employers and employees are to be represented by these appointees who are to give full time to their employment and receive salaries of $4,000 each. Thei chairman receives an additional salary of $1,200 for his services on the com mission. The commission may appoint a secretary-treasurer and such clerical and other assistants as it may deem necessary, subject to the approval of the governor. Offices are to be furnished at Atlanta, deputies may be appointed, and sessions may be held by the commission or any member at any place within tlie State as may be deemed necessary by the commission. The commission has power to make rules in conformity with the act for carrying out its pro visions, to subpoena witnesses, administer oaths, and examine books and records. Processes and procedure are to be summary and as simple as reasonably may be. Enforcement of attendance and the giving of testimony is in the hands of the superior courts on application of the commission, a member or deputy 164 WOJRKMEN'3 COMPENSATION IAWS— UNITED STATES thereof. Blank> are to be prepared and supplied free of charge from which accident reports are to be tabulated, but the names of employers or employees shall not appear, nor shall the employers’ reports be open for public inspec tion, though the parties interested, to the extent of their interest may see them.] Sk<\s.‘ 5.VT)7, 58 (as amended 1025, p. 282), 59-64. Procedure.— [In case of injury or death, parties interested may agree, after 14 days from the date of a nontatal injury, or any time alter the death, and file a memorandum oi the agreement witli the commission for approval. Otherwise it is voidable by the employee or h:s dependents, but if approved the memorandum of agree ment is enforceable as a decree or judgment of the superior court. If the parties fail to agree, or if there is a disagreement as to the continuance of payments under an agreement, either party may apply to the commission for a hearing. Hearings and determination are to be summary and a copy of the award shail be immediately sent to the parties to the dispute. Either party may ask for a review within seven days from the date of the notice, where upon the full commission shall review the evidence, or if deemed advisable, hear the parties, their representatives and witnesses and enter their award together with the rulings of law. Is: a single commif-tfoner has been delegated the duty of taking additional evidence, the full commission must consider it before rendering a decision. Awards as above are final unless within 80 days an appeal is taken to the superior court, stating the grounds on which the application is based. The order will be ;*et aside if it is found that the commission acted without or in excess of its powers, that the order or decree was procured by fraud, that the facts do not support the order or decree, or that there was not sufficient com petent evidence to warrant it, or finally, that it was contrary to law. If none of these grounds apj>oar. the court must affirm the findings appealed from. If set aside, the court may remand the case to the commission or may itself enter judgment on the findings according to the nature of the case. The commission may certify questions of law to the State court of appeals, and an appeal may be taken from the superior court to thnt court. Tn ca<e of such reference or apiteal to the court of appeals, such action operates as a su persedeas if the employer ha* complied with the provisions o* the act as to insurance, and no iwyments will be required until the questions are answered or the appeal determined. Awards on appeal, or those affirmed on appeal, mny be filed with the su perior court of the county which shall thereupon render judgment in accord ance therewith, such judgment to have the ;-;ame effect as if rendered in a suit duly heard and determined by the court. If payment of compensation is insured or provided for according to the terms of the act, no judgment shall be entered or cx-vution issued except on application to the court and for good cause shown. If it appear.* to the commission or the court that proceed ings have been brought, prosecuted or defended without reasonable ground, the whole cost of the proceedings may be assessed upon the moving party. The commission may. on application of either party or on its own motion, appoint a disinterested physician to examine and testify to the physical condi tion of an injured employee at the expense of the State. Attorneys’ and physicians* fees are to be reasonable, and subject to approval by the commission, which h^r control of all questions in dispute, except as otherwise heroin provided.] Sec. 65 (as amended 1923, p. 92). Reports of injuries.— [Employers under the act as required to keep records of all injuries to their employees on blanks approved by the commission, forwarding a report of the same within 10 days after the occurrence and knowledge thereof. Injuries to be reported are those that require medical or surgical treatment or that cause absence from work for more than seven days. A supplementary report must be made on the termination of the disability. Failure to report is penalized but if the em ployer has reported the injury to his insurance carrier for transmission to the industrial commission, the penalty for failure will lie against the insurance carrier, j Sec. 66. Imurarwe.— [Employers under the act must fully insure and keep insured their liability thereunder in an authorized corporation or organiza tion, or by mutual insurance, unless otherwise ordered or permitted by the commission. If self insurance is approved the commission may in its discre tion require the deposit of acceptable security or bond covering the liabilities TEXT OF LAWS— GEORGIA 165 that may be incurred. Nothing in this section is to bo construct! as requiring an employer to place liis entire insurance with a single insurance carrier.! Sec. 07 (as amended 192$, p. 92). Evidence of insurance.— [Employers are required lo liitv annually, or as often as the commission deems necessary, satis factory evidence of compliance with the provisions relative to insurance.] S kc. 08. Nelf-inxurance.— [Certificates of self-insurance issued to approved employers, to bo in force for a fixed period unless revoked on at least (50 days’ notice and hearing. New certificates may issue on petition after revocation.] Skc*. *«>. Substitutes.— [Employers may enter into or continue any approved agreement with their employees in lieu of the provisions of this act. Such systems mn«t confer at least equivalent benefits, and if employees make con tributions. there must be added benefits at least commensurate thereto. Such system may be terminated by the commission on reasonable notice and hearing if it apiiears that the scheme is not fairly administered, that there is danger of insolvency, or if it fails to accomplish the purposes of the act. The proiier distribution of assets is to be made by the commission subject to appeal to the superior court of the county of the employer’s principal office or chief place of business.] Secs. 70-72. insurance policies*.— [Policies of insurance, including mutual, reciprocal, and interinsurance contracts, must provide that notice or knowl edge of an injury on the part of ihe employer is to be deemed notice or knowl edge on the part of the insurer or insurers, also that they accept jurisdiction and are bound by the awards, judgments, or decrees rendered against the em ployer. Provision must also be made for direct liability of payments of com pensation installments, not affected by any default in giving notice required by such policy or otherwise, the policy to be enforceable in the name of the person entitled to compensation. All policies and contracts are deemed to have been made subject to the provisions of this act. The form of any such con tract or policy must be approved by the commission. The act does not apply to policies or insurance against loss from explosion of boilers or flywheel3 o.v other similar catastrophe hazards.] Sec. 73. Premium rates.— [All premiums charged must be fair, reasonable, and adequate, with duo allowance for merit rating; if covering risks of the same kind and degree of hazard, they must be at the same rate by the same carrier. Basic rates are to he f'led with the insurance commissioner and no policy shall be valid until such tiling and approval. Modification plans based on physical inspection or experience must also be filed and approved. Insur ance carriers of all classes must make reports to the insurance commissioner as provided by law. and for the purpose of determining solvency and adequacy of rates and reserves the insurance commissioner may inspect all books and records and examine agents, officers, and directors under oath.] S ec. 74. Severability.— [The unconstitutional!ty or invalidity of any section is not to affect the validity of other parts of the act.] Sec. 75. Act in effect.— [The law came into effect March 1, 1921.] Sec. 76 (as amended 1922, p. 77). Expenses to bo met.— [The total expenses of the commission are to be prorated among the insurance companies writing compensation insurance in the State, and self-insurers. The gross earned premiums of the companies and the amount of premiums which a solf-insurer will have to pay if insured are the basis, semiannual payment being required subject to adjustment at the end of each year.] HAWAII R E V IS E D L A W S -1025 C h a p t e r 209.— W orkm en's compensation law Suction 3604. Scope of law.—This# chapter shall apply to any and all indus trial employment as hereinafter defined. If a workman receives personal injury by accident arising out of and in the course of such employment, or by disease proximately caused by such employment, or resulting from the nature of such employment, his employer or the insurance carrier shall pay compensation in the amounts and to the person or persons hereinafter specified. Sec. 3005. Public employments.—This chapter shall apply to employees (other than officials as hereinafter defined) of the Territory, and all counties, and all other political subdivisions within the Territory. Sec. 3606. Injuries not covered.—>\o compensation shall be allowed for an injury caused (1) by the employee's willful intention to injure himself or to injure another, or (2) by his intoxication. If the employer claims an exemp tion or forfeiture under this section, the burden of proof shall be upon him. Sec. 3607. Remedy exclusive.—The rights and remedies herein granted to an employee on account of a i>ersonal injury for which he is entitled ro compensa tion under this act shall exclude all other rights and remedies of such employee, his personal representatives, dependents, or next of kin, at common law’ or otherwise, on account of such injury. Employers who hire workmen within this Territory to work outside of the Territory may agree with such workmen that the remedies under this act shall be exclusive as regards injuries received outside this Territory by accident arising out of and in the course of such employment, and all contracts of hiring in this Territory shall be presumed to include such an agreement. Sec. 3608. Liability of third persons.— [If a third person is liable for injuries suffered, the employee may sue him or claim compensation; if the latter, the employer is subrogated to the employer's rights, but any excess recovery, less costs, goes to the employee or his dependents. The amount of compensation paid or payable shall not be put in evidence in an action for damages.] Sec. 3609. Contracting out.—No contract, rule, regulation, or device what soever shall operate to relieve the employer in whole or in part from any liability created by this chapter. Sec. 3630. Death benefits.—If death results from the injury within six months, the employer or the insurance carrier shall pay to the persons entitled to compensation; or if there be none, then to the personal representative of the deceased employee, burial expenses not to exceed $100; and shall also pay to or for the following persons for the following periods a weekly compensation equal to the following percentages of the deceased employee’s average weekly wages as defined in section 3618. (a) To the dependent widow or widower, if there be no dependent children, 40 per cent. ib) To the dependent widow or widower, if there be one or two dependent children. 50 per cent; or if there be three or more dependent children, 60 per cent. Such compensation to the widow or widower shall be for the use and benefit of such widow or widower and of the dependent children, and the indus trial accident board may from time to time apportion such compensation between them in such way as it deems best. (c ) If there be no dependent widow or widower, but a dependent child or children, then to such child or children 30 per cent, with 10 per cent additional for each child in excess of two, with a maximum of 50 per cent, to be divided equally among such children if more than one. (d) If there be neither dependent widow, widower, nor child, but there be a dependent father or mother, then to such parent, if wholly dependent 40 per cent, or if partially dependent 25 per cent, or if both parents be dependent then one-half of the foregoing compensation to each of them; or, if there be 166 TEXT OP LAWS— HAWAII 167 no such parents, but a dependent grandparent, then to every such grandparent the same compensation as to a parent. (e) If there be neither dependent widow, widower, child, parent, or grand parent, but there be a dependent grandchild, brother, or sister, or two or more of them, then to .such dependents 25 per cent for one such dependent and 5 per cent additional for each additional such dependent, with a maximum of 40 per cent to be divided equally among such dependents if more than one. Sec. 3011. Dependent*.—The following persons, and they only, shall be deemed dependents and entitled to compensation under the provisions of this chapter. A child if under 1C years of age, or incapable of self-support and unmarried, whether ever actually dependent upon the deceased or not. The widow only if living with the deceased, or actually dependent, wholly or partially, upon him. The widower only if incapable of self-support and actually dependent, wholly or partially, upon the deceased at the time of her injury. A parent or grandparent only if actually dependent, wholly or partially, upon the deceased. A grandchild, brother, or sister only if under 16 years of age. or incapable of self-support, and wholly dependent upon the deceased. The relation of dependency must exist at the time of the injury. An alien shall not be considered a dependent within the meaning of this act unless actually residing within the United States, and any alien dependent leaving the United States shall thereupon lose all right to any benefits under this chapter. Si:e. 3012. Periods of compensation.—The compensation herein provided for shall bo payable during the following periods: To a widow, until death or remarriage, but in no case to exceed 312 weeks. To a widower, during disability or until remarriage, but in no case to exceed 312 weeks. To or for a child, until 16 years of age, but in the case of a child incapable of self-support and unmarried as long as so incapable, but in no case to exceed 104 weeks beyond said age of 16 years. To a parent or grandparent, during the continuation of a condition of actual dependency, but in no case to exceed 3.12 weeks. To or for a grandchild, brother, or sister, during dependency as hereinbefore defined, but in no case to exceed 312 weeks. Upou the cessation of compensation under this section to or on account of any person, the compensation of the remaining persons entitled to compensa tion for the unexpired part of the period during which their compensation is payable shall be that which such persons would have received if they had been the only persons entitled to compensation at the time of the decedent’s death. S ec. 3613. Who are dependents.—As used in this chapter the term “ child” includes stepchildren, adopted children, posthumous children, and illegitimate children, acknowledged previous to the injury, but does not include maiTied children unless dependent. The terms “ brother” and “ sister*’ include step brothers, and stepsisters, half-brothers and half-sisters, and brothers and sisters by adoption, but do not include married brothers nor married sisters unless de pendent. The term “ grandchild ” includes children of adopted children and children of stepchildren, but does not include stepchildren of children, step children of stepchildren, stepchildren of adopted children, nor married grand children, unless dependent. The term “ parent” includes step-parents and parents by adoption. The term “ grandparent ” includes parents of parents by adoption, but does not include parents of step-parents, step-parents of parents, nor step-parents of step-parents. Sec. 3614. Basic wages, etc.—In computing death benefits the average weekly wages of the deceased employee shall be considered not to be more than $36 nor less than $5: but the total weekly compensation shall not exceed in any case the average weekly wages computed as provided in section 15, nor shall the amount of compensation paid in any case exceed in the aggregate the sum of $5,000. Payment of death benefits by an employee in good faith to a dependent subsequent in right to another or other dependent shall protect and discharge the employer unless and until such dependent or dependents prior in right shall have given him notice of his or their claim. In case the employer is in doubt as to the respective rights of rival claimants he may apply to the in dustrial accident board to decide between them. 168 w o r k m e n 's COMPENSATION IAWS— UNITED STATES In case death occurs after a period of disability, either total or partial, the period of disability shall be deducted from the total periods of compensation respectively staled in section 9. The compensation of a person who is insane shall be paid to his or her guardian. Wee. 361 i). Medical, etc., aid.— [The employer must immediately furnish an injured employee such medical, surgical and hospital services and supplies as the nature of the injury may require, costs to be according to prevailing standards. If not so supplied, the employee may secure rhe same at the em ployer's cost. Willful refusal of services or obstruction of treatment may. in the discretion of the board, be construed as a waiver !n whole or in part of the employee’s right to such aid. 1 Sec. 301C. Total d is a b i li t y Where the injury causes total disability for work the employer during such disability, but not including the first seven days thereof, shali pay the injured employee a weekly compensation equal to 60 per cent of his average weekly wages, but not more than $20 nor less than. $5 a week, except as in the next succeeding paragraph provided. In no case shall the weekly payments continue after the disability ends, nor longer than 812 weeks, nor shall the amount of compensation paid in any case exceed in the aggregate the sum of $5,000. But no adjudication of permanent disability shall be made until after two weeks from the date of injury. In case of an employee whose average weekly wages are less than $5 a week the weekly compensation shall be the full amount of the average weekly wages, but where the disability is permanent the weekly compensation in such eases shali be $5. In case the total disability begins after a period or* partial dis ability, tiie period of partial disability shall be deducted from the aforesaid tola I period of 812 weeks. In the case of the following injuries the disability caused thereby shall bo deemed total and permanent, to w it: (1) The total and permanent loss of sight in both eyes. (2) The loss of both feet at or above the ankle. (3) The loss of both hands at or above the wrist. (4) The loss of one hand and one foot. (5) An injury to the spine resulting in permanent and complete paralysis of buth legs or both arms or oi* one leg and one arm. (0) An injury to the skull result mg in incurable imbecility or insanity. The above enuincrnch'u is not. to be taken as exclusive. Sec. 3617. Partial dinabUity.— {a) Partial disability. Where the injury causes partial disability for work, the employer, during such disability and for a period of 312 weeks beginning with the first day of disability, shail pay the inj mod workman a weekly compensation equal to 50 per cent of the difference between his average weekly wages before the accident and the weekly wages he will most probably be able to earn thereafter, but not more than $12 a week. In no case shall the weekly payments continue after the disability ends, and in case the partial disability begins after a period of total disability the period of total disability shall be deducted from such total period of 312 weeks, nor shall the amount of compensation paid in any case exceed in the aggregate the sum of $5,000. But no adjudication of disability shali be made until after two weeks from the dale of injury. (b) Permanent partial disability. In case of disability partial in character but permanent in quality the compensation shall be 50 per cent of the average weekly wages and shall be paid to the employee for the period named in the schedule as follows: Thumb. For the loss of a thumb, 60 weeks. First finger. For the loss of a first finger, commonly called index finger, 46 weeks. Second finger. For the loss of a second finger, 30 weeks. Third finger. For the loss of a third finger, 25 weeks. Fourth finger. For the loss of a fourth finger, commonly called the little finger, 15 weeks. Phalange of thumb or finger. The loss of the first phalange of the thumb or finger shall be considered to be equal to the loss of one-half of such thumb or finger, and compensation shall be one-half of the amount above specified. The loss of more than one phalange shall be considered as the loss of the en tire thumb or linger: Provided, however, That in no case shall the amouut re TEXT OP LAWS— HAWAII 169 ceived for more than one finger exceed the amount provided in this schedule for the loss of a hand. Great toe. For the loss of a great toe, 38 weeks. Other toes. For the loss of one of the toes other than the great toe* 16 weeks. Phalange of toe. The loss of the first phalange of any toe shall be considered to be equal to the loss of one-half of said toe, and the compensation shall be one-half of the amount specified. The loss of more than one phalange shall be considered as the loss of the entire toe. Hand. The loss of a hand, 244 weeks. Arm. For the loss of an arm, 312 weeks. Fool. For the loss of a foot, 205 weeks. Leg. For the loss of a leg, 88 weeks. Eye. For the loss of an eye, 128 weeks. Ear. The permanent and complete loss of hearing in both ears, 312 weeks. Tho permanent and complete loss of hearing in one ear, GO weeks. The loss of both ears, 128 weeks. The loss of one ear, 60 weeks. Loss of use. Permanent loss of the use of hand, arm, foot, leg, eye, thumb, finder, toe, or phalange shall be considered as the equivalent of the loss of such hand, arm, foot, leg, eye, thumb, finger, toe, or phalange. In cases of permanent partial disability, due to injury to a member named in this schedule, resulting in less than total loss of the member or in less than total loss of use thereof, and where the disability is not otherwise compen sated in this schedule, compensation shall be paid at the rate prescribed in this schedule for the total loss of or the total loss of use of the member, and for a period to be determined as follows: The percentage of permanent partial disability to total disability for the same member in the schedule shall be (letenniueu and the compensation hereinabove prescribed shall be paid for .such portion of the period hereinabove prescribed for total loss or total loss of use c-i i no mendier, as such percentage of disability bears to total disability of the member. Amputation. Amputation between the elbow and the wrist shall be considered as (lie equivalent of the loss of a hand. Amputation between the knee and the anfcie shali be considered as the equivalent of the loss of a foot. Amputation at or ai:ove the elbow shall be considered as the loss of an arm. Amputation at or above the knee shall be considered as the loss of a leg. The compensation for the foregoing specific injuries shall be in lieu of all other compensation, except the benefits provided in sections 3615 and 80i6: Provided, however, That payments of compensation under this section shall not commence until after the period of total or partial disability shall have terminated. In ease oli an injury resulting in serious facial or head disfigurement the board may. in its discretion, make such award or compensation as it may deem proper and equitable in view of the nature of the disfigurement, but not to exceed $5,000. Other cases. In all other cases in this class of disability the compensation shall i»e 50 per cent of the difference between his average weekly wages and his wa^e-carnlng capacity thereafter in the same employment or otherwise, payable during the continuance of such partial disability, but subject to reconsideration oif Ihe degree of such impairment by the board on its own motion or upon application of any party in interest: Provided, however, That in no case under thi' paragraph shall the weekly payments continue for a longer period than 811? week*. The total compensation under this section and the total compen sation under section 361.6, taken together, shall not exceed in the aggregate llie sum of $5,000. o>:c. 3618. Computation of wages,—Average weekly wages shall be computed in such a manner as is best calculated to give the average weekly earnings of the workman during the 12 months preceding his injury: Provided, That where, by reason of the shortness of the time during which the workman has been in the employment, or the casual nature of the employment, or the terms of the employment, it is impracticable to compute the rate of remuneration, regard may he had to the average weekly earnings, which, during the 12 months pre vious to the injury, were being earned by a person in the same grade employed at the same work by the employer of the injured workman, or if there is no person so employed, by a person in the same grade employed in the same class of employment and in the same district. 170 w o r k m e n 's COMPENSATION LAWS— UNITED STATES If a workman at the time of the injury is regularly employed in a higher grade of work than formerly during the year and with larger regular wages, only such larger wages shall be taken into consideration in computing his aver age weekly wages. Sec. 3019. Advances.—Any payments made by the employer or his insurer to the injured workman during the period of his disability, or to his dependents which, by the terms of this act, were due and payable when made, may, sub ject to tlio approval of the board, be deducted from the amount to be paid as compensation: Provided, That in case of disability such deduction shall be made by shortening the period during which compensation must be paid, and not by reducing the amount of the weekly payments under sections 3610 and 3617. Sec. 3020. Time of payments.—The board, upon the application of either party, may, in its discretion, having regard to the welfare of the employee and the convenience (if the employer, authorize compensation to be paid monthly or quarterly instead of weekly. S kc. 3021. Lump sums.—Whenever the board determines that it is for the best interest of all parties, the liability of the employer for compensation may, on application to the board by any parly interested, be discharged in whole or in part by the payment of one or more lump sums to be fixed by the board. S ec. 3022. Trustees.— ’Whenever for any purpose the hoard deems it expedient any lump sum which is to be paid as provided in section 3021 shall be paid by the employer to some suitable person or corporation appointed by the circuit court in the jurisdiction of which the injury occurred as trustee to administer or apply the same for the benefit of the person or persons entitled \hereto in the manner provided by the board. The receipt of such trustee for the amount so paid shall discharge the employer or any one else who is liable therefor. S ec. 3023. Medical eraminulionx.— [During disability an injured workman, whenever ordered by the board, must submit to examination by a physician designated and paid by the employer, but may have lii«s own physician present. Refusing or obstructing examination suspends benefits, and no compensation shall be payable for the period of nicli refusal or obstruction.] S e c s . 3024-3028. Notice and eh/im.— [Notice of injury must be given as soon as practicable and claim pi ami within three month*, or in case of death within three mouths after the death: death claims must he submitted whether or not the employee himself has applied for compensation. If medical, etc., benefits or compensation payments have been voluntarily made, the making of claim as above is not required. Notice and claim are to be made in writing, and may be made at the same time, either by the claimant himself or someone in his behalf. Notice to one of the parties, or the agent or officer of t\ corporation may be construed as notice to the employer and shall be by delivery or by registered loiter. Inaccuracies not actually misleading will not invalidate notice, nor will want or delay of notice be a bar to the claim if it appears that the employer, the agent or representative had knowledge of the accident, or that the employer was not prejudiced by such delay or want of notice. Limitations of time do not: run against minors or incompeteut persons so long as they have no guardian or next friend.] Secs. 3029-3032. Industrial accident board.— [Boards of five members ap pointed by the governor for each county of the territory are provided for. Appointees hold office for terms of five years, one term expiring each year. Each board has jurisdiction in its own county unless the principal business or occupation of the employer is in another county, when the board of such county has jurisdiction. No salary is provided for the members, though their expenses arc to be paid. Salaried employees may be appointed as deemed necessary. Boards have power to make rules for carrying out the provisions of the act, may subpoena witnesses, administer oaths, examine books and records, etc. Process and procedure are to be summary and as simple as reasonably may be. The circuit court has power to enforce attendance, the testimony of witnesses, and the production and examination of books, papers, and records. The board is to furnish free of charge necessary blanks for employers and employees.] Secs. 3633-3045. Procedure.— [The parties may agree as to compensation, and file a memorandum with the board, which, if approved by it becomes enforceable as an award. No agreement for a less sum than that found by the board to be due will be a bar to a determination of the controversy upon TEXT OF LAWS-rHAWAll 171 its merits, or to the award of a birger sum by the board. If the claim is not settled by agreement, the board may provide for a full trial and an award, stating conclusions of fact and rulings of law. Prior to the filing of the claim either party may apply to the board for the formation of a committee of arbitration of three members, one of whom shall be a member of the board, the other two being named by the parties, or after seven days, the board may fill the vacancy. Such arbitration committee proceeds the same as the board. Each board may appoint a duly qualified impartial physician to examine the injured employee, fees and excuses of arbitrators to be paid out of the funds appropriated by the legislature. The board may review an award, or take action if the committee fails to make an award within 80 days after its formation. It may at any time, either on its own motion or on the application of any party, reopen any case on the ground that fraud has been practiced; reviews may be had not oftener than once in six mouths on the ground of a change of conditions. Modification may be made, but does not affect, commutations of payments as provided in section 3621. Awards of boards are conclusive unless within 20 days appeal is taken to the circuit court, which may prescribe the procedure to bo followed. The right of trial by jury shall be deemed to be waived unless claimed within 10 days from the date the appeal was entered. Questions of law may be certified by the board to the supreme court of the Territory. A certified copy of an award not appealed from, or if appealed from not sus pended by supersedeas or stay, or a certified copy of a memorandum of agree ment approved by the board, may be filed with the circuit court and be enforce able as a decree or judgment by the court. Where an award i3 appealed from, but payments are not staid, it must be provided that the award will become null, and void in the event of the court setting aside the decision or award of the board. If on any proceedings the committee or court finds that proceedings have been brought, prosecuted, or defended without reasonable ground, the whole cost may be assessed against the offending party. In general all questions under the act not settled by an agreement of the j tarlies are determinable by the board, except as otherwise herein provided. Appeals do not operate as a supersedeas or stay unless so ordered. If awards are revoked or modified, the court iu which they have been filed shall revoke or modify its prior decree or judgment.] Sec. 3646. Injuries outside the Territory.—If a workman who has been hired in this Territory receives personal injury by accident arising out of and in the course of such employment, he shall be entitled to compensation according to the law of this Territory, even though such injury was received outside this Territory. If a workman who has been hired outside of this. Territory is injured while engaged in his employer's business, and is entitled to compensation for such injury under the law of the State or Territory whore he was hired, he shall be entitled to enforce against his employer his rights in this Territory if his rights are such that they can reasonably be determined and dealt with by the board and the court in this Territory. S ecs. 3647, 3648. Preferences and assignments.— [Claims for compensation have the same preferences as unpaid wages. •They are not assignable, and are exempt from the claims of creditors. Physicians and attorneys’ fees are not a valid claim against the person unless and until approved by the board.] S ecs. 3649-3657. Insurance.— [Private employers must secure compensation for their employees by insuring, depositing securities, or furnishing satisfactory proof of their ability as self-insurers. Questions of sufficient security or finan cial ability are subject to review by the circuit court of appeals. Employers must notify the hoard of insurance taken out under the above requirements. Failure to comply entails a penalty of $1 a day for each employee, and after 30 days default, the employer may be enjoined from carrying on his business until compensation is secured as required. Policies must cover the entire lia bility of the employer and enable the employees to enforce in their own names their individual rights. Policies must be of a standard form, approved by the board, and must contain a provision that, as between the employee and the insurance corner the employer’s notice or knowledge shall be deemed to be notice or knowledge on the part of the carrier, and that it accepts juris1965°—26------12 172 w o r k m e n ’s COMPENSATION LAWS----UNITED STATES diction in case of awards, etc., against him. The employer's insolvency does not relieve the carrier as respects payments on aceount of injuries sustained during the life of the policy. Cancellation of policies is not permitted during a term without at least 10 days* notice. The Territory and its municipalities may insure with any authorized carrier. No agreement by employees to pay any portion or the insurauce premium, or to contribute to benefit funds is valid; deductions from wages for such purposes arc a misdemeanor.] S e c . 8058. inspections.—-The board shall have the right to inspect the plants and establishments of all employers in the Territory, and the inspectors des ignated by the b< ard shall have free access to such premises during regular working hours, and at other reasonable times. Sec. 36o9. Reports of accidents.— (Employers must keep records of all known injuries to employees, and report those causing absence from work of one day or more on blanks to be procured from the board. Supplemental reports are to be made on the termination of disability, or within 60 days, if the disability extends beyond that period, with a final supplemental report. Reports are to give prescribed data, and such other information as the board may require. Reports of total compensation paid, and of medical services are to be made within 60 days after the termination of the disability.] Seo. 3660. Interstate commerce.—This chapter shall affect the liability of employers to employees engaged in interstate or foreign commerce or otherwise only so far as the same is permissible under the laws of the United States. Sec. 3661. Reports of boards,—Annually on or before the 1st day of February the board of each county shall make a report to the governor, which shall be transmitted to the legislature and which shall include a properly classified statement of the expenses of the board, together with any other matters which the board deems proper to report, including any recommendations it may desire to make. h»EC. 3662. Acts of majority.—Whenever under this chapter any award, order, rule, regulation, or decision is required or authorized to be made by the board or by a committee of arbitration the action of a majority of the members of such board or committee shall be considered as the action of such board or conmiiir.ce, respectively, as the case may be. Seo. 3663. Definitions.—In this chapter, unless the context otherwise requires: (a) “ Employer,” unless otherwise stated, includes any body of persons, corporate or unincorporated, public or private, and the legal representative of a deceased employer. It includes the owner or lessee of premises, or other per son who is virtually the proprietor or operator of the business there carried on. but who, by reason of there being an independent contractor, or for any other reason, is not the direct employer of the workmen there employed. If the employer is insured it includes his insurer as far as applicable. (ft) “ Workman” is used as synonymous with “ employee** and means any person who has entered into the employment of. or works under contract of service or apprenticeship with, an employer. It does not include a person whose employment is purely casual or not for the purpose of the employer’s trade or business, or whose remuneration from any one employer, excluding pay for overtime, exceeds §36 a week. Any reference to a workman who has been injured shall, where the workman is dead, include a reference to his deitendents as herein defined, if the context so requires, or, where the employee is a minor or incompetent, to his guardian or next friend. (c) “ Injury” or “ personal injury” includes death resulting from injury within six months. (d) The words “ personal injury by accident arising out of and in the course of such employment ” shall include an injury caused by the willful act of a third person directed against an employee because of his employment. (v ) “ Industrial employment,” in the case of private employers, includes employment only in a trade, occupation, or profession which is carried on by the employer for the sake of pecuniary gain. Public employment means employment by the Territory, or by a county, or by any political subdivision of the Territory. It does not include the employment of public officials who are elected by popular vote or who receive salaries exceeding $1,800 a year. if) The word “ board” or words “ industrial accident board,” whenever used in this chapter, unless the context shows otherwise, shall be taken to mean the industrial accident board of the resi>ective county. TEXT OP LAWS— HAWAII 173 (jj) “ Partial disability.” Diminished ability to obtain employment owing to disfigurement result ing from an injury may be hold to constitute partial dis ability. (h) “ Wages” shall include the market value of board, lodging, fuel, and other advantages which can be determined in money which the employee re ceives from ilie employer as a part of his remuneration. “ Wages ” shall not include any sums which the employer has paid to the employee to cover any special expenses entailed on him by the nature of his employment. (/) “ Insurance carrier” shall include stock corporation or mutual associa tions from any of which employees have obtained workmen’s compensation in surance or guaranty insurance in accordance with the provisions of this chapter. (j) The word “ county” includes the city and county of Honolulu. ( k ) Any term shall include the singular and plural and both sexes where the context so requires. Sec. 3064. Provisions severable.—If any part or section of this chapter be decided by the courts to be unconstitutional or invalid, the same shall not affect the validity of the chapter as a whole or any part thereof which can be given effect without the part so decided to be unconstitutional or invalid. Sisc. 3G05. False representations.—If for the purpose of obtaining any benefit or payment under the provisions of this chapter, either for himself or for any other person, anyone willfully makes a false statement or representation, he shall be guilty of a misdemeanor and liable to a fine of not exceeding $250. Skc. 36GG. Rules of construction.— (a) The rule that statutes in derogation of the common law are to be strictly construed shall have no application to this act. (?>) This act shall be so interpreted and construed as to effect its general purpose to make uniform the law of those States which enact it. S k c . 3067. Title.—This chapter may be cited as the “ Workmen’s compensa tion law.” IDAHO COMPILED STATUTES—1919 Chapter 230.—Compensation of workmen for injuries Article 1 Section C213. Employments covered.—This chapter shall apply to all public employment as defined in section 0215 and to all private employment in a trade or occupation which is carried on by (he employer for the sake of pecuniary gain, not expressly excepted by the provisions of section 0210. Sec. 0214. Common-law system abolished.— [The nature and effects of the common-law system of action for injuries to employees are set forth, and the redress for such injuries is “ withdrawn from private controversy,” all juris diction of the courts over such causes is abolished except as in this chapter provided.] Sec. 0215. Public employment.—This chapter shall apply to emploj-ee.s of the State and of all counties, cities, cities under special charter or commission form of government, villages, school districts, irrigation districts, drainage districts, highway districts, road districts, and other public and municipal corporations within the State; but not to public officials who are elected by popular vote or who receive salaries exceeding $2,400 a year. Policemen and firemen and others entitled to pensions shall be deemed employees within the meaning of this chapter. If, however, any policeman or fireman or other person entitled to a pension claims compensation under this chapter there shall be deducted from such compensation any sum which such policeman or fireman or other person may be entitled to receive from any pension or other benefit fund to which the State or municipal body may contribute. Sec. 0210 (as amended 1921. ch. 220). Excluded employments.—None of the provisions of this chapter shall apply to (1) Agricultural pursuits; (2) household domestic service; (3) casual employment; (4) employment by chari table organizations; or (5) employment of outworkers; or of (0) members of the employer’s family dwelling in his house, unless the employer and employed expressly agree in writing filed with the board that the provisions of the chap ter shall apply. Any such agreement, may be terminated by either party upon 00 days’ notice to the other and to the board in writing prior to any accident. Agricultural pursuits, as used herein, shall include the caretaking and haudling of livestock on inclosed lands and public ranges. Article 2 Section 0217. Right to oo-mpensation.—If a workman receives personal in jury by accident arising out of and in the course of any employment covered by this chapter his employer or the surety shall pay compensation in the amounts and to the person or persons hereinafter specified. Sec. 0218. Injuries not covered.—No compensation shall be allowed for an injury caused (1) by the employee's willful intention to injure himself or to injure another, or (2) by his intoxication. If the employer claims an exemp tion or forfeiture under this section the burden of proof shall be upon him. Skc. 0219. Remedy exclusive.— [Rights and remedies for injuries compensable under this act are exclusive, and contracts involving service outside the State will be presumed to include an agreement to that effect.] Sec. 0220. Injuries by third persons.— [Where a person other than the em ployer is liable in damages, the employee may either claim compensation or sue; but if he claims compensation, the person liable therefor is subrogated to the rights of the injured employee; but any excess recovery, less costs, goes to such employee.] Secs. 0221, 0222. Contracting out.— [Waivers of the obligations fixed by this not are forbidden, but substitute schemes may be adopted, if approved by the board, by which at least equivalent benefits will be secured; and if the em ployees contribute, corresponding added benefits.] 174 TEXT OF LAWS— IDAHO 175 A rticle 3 S ectio n 6223 (as am ended 1921, ch. 217). Compensation for death.— I f death results from the in ju ry w ithin tw o years, the em ployer or the surety shall pay to the personal representative o f the deceased em ployee burial expenses not to exceed $200, and shall also pay to or for the follow in g persons for the follow in g periods a w eekly com pensation equal to the follow in g percentages o f the deceased em ployee's average w eekly w ages as defined in section 6237. (1) To the dependent widow or widower, if there be no dependent children, 45 per cent. (2) To the dependent widow or widower, if there be a dependent child or children, 55 per cent for such widow or widower and children. Such compen sation to the widow or widower shall be for the use and benefit of such widow or widower and of the dependent children, and the board may from time to time apportion such compensation between them in such way as it deems best. If a child has a guardian other than the surviving widow or widower, the com pensation payable on account of such child shall be paid to such guardian. (3) If there be no dependent widow or widower, but a dependent child or children, 25 per cent for one child and 10 per cent for each additional child, not to exceed a total ot 55 per cent to be divided equally among such children if more than one. (4) To the parents, if one be wholly dependent'for support upon the de ceased employee at the time of his death and the other is not dependent to any extent, 25 per cent; if both are wholly dependent, 20 per cent to each; if one be or both are partly dependent, a proportionate amount in the discretion of the board. The above percentages shall be paid if there be no dependent widow, widower, or child. If there be a widow, widower, or child, there shall be paid so much of the above percentages as, when added to the total percentages payable to the widow, widower, and children, will not exceed a total of 55 per cent. (5) To the brothers, sisters, grandparents, and grandchildren, if one be wholly dependent upon the deceased employee for support at the time of his death, 20 per cent to such dependent; if more than one be wholly dependent, 30 per cent, divided among such dependents share and share alike; if there be no one of them wholly dependent, but one or more partly dependent, 10 per cent divided among such dependents share and share alike. The above percentages shall be paid if there be no dependent widow, widower, child, or parent. If there be a dependent widow, widower, child or parent, there shall be paid so much of the above percentages as, when added to the total percentage payable to the widow, widower, children, and dependent par ents, will not exceed a total of 55 per cent. (6) In case there are two or more classes of persons entitled to compensa tion under this section and the apportionment of such compensation, above pro vided, would result in injustice, the board may, in its discretion, modify the apportionment to meet the requirements of the case. In case there are no de pendents of deceased employee, the employer shall pay into the State treasury to be deposited in the industrial administration fund the sum of $1,000. Sec. 6224. Dependents.—The following persons, and they only, shall be deemed dependents and entitled to compensation under the provisions of this chapter: A child if under 18 years of age. or incapable of self-support and unmarried, whether actually dependent upon the deceased or not. The widow only if living with the deceased, or actually dependent wholly or partially, upon him. The widower only if incapable of self-support and actually dependent, wholly or partially, upon the deceased at the time of her injury. A parent or grandparent only if actually dependent, wholly or partially, upon the deceased. A grandchild, brother, or sister only if under 18 years of age, or incapable of self-support, and wholly dependent upon the deceased. The relation of dependency must exist at the time of the injury. Sec. 6225. Periods of compensation.—The compensation herein provided for shall be payable during the following periods: To a widow, until death or remarriage, but in no case to exceed 400 weeks. To a widower, during disability or until remarriage, but in no case to exceed 400 weeks. 176 w o r k m e n 's COMPENSATION LAWS— UNITED STATES To or for a child, until 18 years of age. but in the Cii.se of a child incapable of self-support and unmarried as long as so incapable, but in no case to exceed 400 weeks beyond said age of 18 years. To a parent or grandparent, during the continuation of a condition of actual dependency, but in no case to exceed 400 weeks. To or for a grandchild, brother, or sifter, daring dependency as hereinbefore defined, but in no case to exceed 400 weeks. Upon the cessation of compensation under this section to or on account of any person, the compensation of the remaining persons entitled to compensation for the unexpired part of the period, during which their compensation is pay able shall be that which such persons would have received if they had been the only persons entitled to compensation at the time of the decedent’s death. Sec . (5226. Allens.—Except as otherwise provided by treaty, whenever, under the provisions of this chapter, compensation is payable to a dependent who is an alien not residing in the United Suites, the employer shall pay 50 per (tent of the compensation herein otherwise provided to such dependent, and the remaining 50 per cent into the State treasury to be deposited in the industrial administration fund. But if a nonresident alien dependent is a citizen ot* a government having a compensation law which excludes citizens of the United States, either resident or nonresident, from partaking of the benefit of such law in as favorable a degree as heroin extended to nonresident aliens, then all of the compensation which would otherwise be payable to such dependent shall be paid into the industrial administration fund. Sec. 6227. Definitions.—As used in the foregoing sections the term “ child” includes stepchildren, adopted children, posthumous children, and iicknmvledged illegitimate children, but does not include married children unless dependent. The terms “ brother” and “ sister” include stepbrothers and stepsisters, half brothers and half sisters, and brothers and sisters by adoptiou. hut do n<»t in clude married brothers nor married sisters unless dependent. The term “ grand child ” includes children of adopted children and children of stepchildren: but does not include stepchildren of children, stepchildren of stepchildren, stepchil dren of adopted children, nor married grandchildren, unless dependent. The term “ parent” includes step-parents and parents by adoption. The ierni “ grandparent” includes parents of parents by adaption, but dues not include parents of step-parents, step-parents of parents, nor step-parents of step-parents. The words “ adopted ” and “ adoption ” as used in this act shall include eases where persons are treated as adopted as well as those of legal adoption. Sec. 6228. Death benefits.—In computing death benefits the total weekly com pensation shall be subject to a maximum of $12 per week, and a minimum of $6 per week, but if at the time of the injury the employee received wages of less than $6 per week, then the compensation shall not exceed the full amount of such wages. Payment of death benefits by an employer in good faith to a dependent sub sequent in right to another or other dependents shall protect and discharge the employer unless and until such dependent or dependents prior in right shall have given him notice of his or their claim. In case the employer is in doubt as to the respective rights of rival claimants he may apply to the hoard to decide between them. In case death occurs after a period of disability, either total or partial, the period of disability shall be deducted from the total periods of compensation respectively stated in section 6225. The compensation of a person who is insane shall be paid to his or her guardian. Sec. 6229. Medical attendance.—The employer shall provide for an iujured employee such reasonable medical, surgical, or other attendance or treatment, nurse and hospital service, medicines, crutches, and apparatus as may be required or be requested by the employee immediately after an injury, and for a reasonable time thereafter. Tf the employer fails to provide the same, the injured employee may do so at the expense of the employer. All fees and other charges for such treatment and services and compensation therefor shall be subject to regulation by the board. The pecuniary liability of the employer for the treatment and other service herein required shall be limited to such charges as prevail in the same community for similar treatment of injured persons of a like standard of living when such treatment is paid for by the injured person. In determining what fees and charges are reasonable, the board shall consider the increased security of payment afforded by this chapter. TEXT OP LAWS— IDAHO 177 S ec. 6230. Hospital contracts.—Nothing in this act shall be construed as pre venting employers and workmen from waiving the provisions of section 6229 and entering into mutual contracts or agreements providing for hospital bene/its and accommodations to be furnished to the employee. Such hospital contracts or agreements must provide for medical, hospital, and surgical attendance for such employee for sickness contracted during the employment (except venereal diseases and sickness as a result of intoxica tion), as well as for injuries received arising out of and in the course of the employment. No assessment of employee for such hospital contracts or benefits shall exceed $1 per month for each employee, except in cases where it shall appear to the satisfaction of the board, after a hearing had for that purpose, that the actual cost of such service exceeds the said sum of $1 per month, and any such finding of the board may be modified at any time when justified by a change of conditions, or otherwise, either upon the board’s own motion, or the application of any party in interest. No profit, directly or indirectly, shall be made by any employer as a result of such hospital contract or assessment. It is the purpose and intent of this act to provide that each and every hospital maintained wholly or in part by payments from workmen, which furnishes treatment and services to employees for sickness and injury, as provided in this act shall be under the supervision of the board as to services and treatment rendered such employees, and shall, from time to time, make reports of such services, attendances, treatments, receipts, and disbursements as the board may require. Si-:c. 6230A (added 1921, ch. 217). Bonds.— [Before approving any such hospi tal contract, the board may require a surety bond in the penal sum of $5,000 to secure the faithful performance of the obligation of the chapter as to medical, etc., aid.] Sec. 6231 (as amended 1921, ch. 217). Total disability.—Where the injury causes total disability for work, the employer during such disability, but not including the first seven days thereof, shall pay the injured employee weekly compensation equal to 55 per cent of his average weekly wages, but not more than $12 nor less than $0 per week for a period not exceeding 400 weeks, and thereafter a weekly compensation of $6 a week. If such employee have a wife but no dependent minor child, the employer shall pay to such injured employee weekly compensation equal to 60 per cent of his average weekly wages, but not more than $13.10 nor less than $6.55 per week, for. a period not exceeding 400 weeks. If the injured employee have a wife and a dependent minor child or chil dren. or. being a widower, having any such dependent minor child or children, the weekly payments in the preceding paragraph shall be increased by 5 per cent of the average weekly wage for each such child, but the total weekly compensation shall not exceed $16 ]>er week. If such total disability shall exceed a period of four weeks, then he shall receive compensation for three weeks ami four days and for one day additional for each week after the expiration of four weeks up to and including the seventh week. In no case shall the weekly payments continue after the disability ends. In case the total disability begins after a period of partial disability, the period of partial disability shall be deducted from such total period of 400 weeks. Sei . 6232. Presumptions.—In the case of the following injuries in the absents, of conclusive proof to the contrary the disability caused thereby, shall be deemed total and permanent, to wit: (1) The total and permanent loss of sight in both eyes. (2) The loss of both feet at or above the ankle. (3) The loss of both hands at or above the wrist. (4) The loss of one hand and one foot. (5) An injury to the spine resulting in permanent and complete paralysis of both legs or arms or of one leg and one arm. (6) An injury to the skull resulting in incurable imbecility or insanity. The above enumeration is not to be taken as exclusive. Seo. 6233 (as amended 1921, ch. 217). Partial disability.—Where the in jur.^ causes partial disability for work, the employer during such disability and for a period not exceeding 150 weeks, shall pay the injured workman a weekly compensation equal to 55 per cent of the difference between this [his] average weekly wages before the accident and the weekly wages he is able to earn thereafter, but not more than the weekly compensation provided 178 w o r k m e n 's COMPENSATION LAWS— UNITED STATES in section G231. In no case shall the weekly payments continue after the (Us ability ends, and in case the partial disability begins after a period of total disability the period of total disability shall bo deducted from such total period of 150 weeks. S ec. 6234 (as amended 1921, ch. 217). Schedule.—Iu the case of the follow ing injuries the compensation shall be 55 per cent of the average weekly wages, but not more than the weekly compensation provided in Section 6231, in addition to all other compensation, for the periods stated against such injuries respectively, to wit: For the loss of— Weeks One arm at or near the shoulder__________________________ 200 One arm at the elbow_____________________________________ 180 One arm between the wrist and elbow_____________________ 300 One hand________________________________________________ 150 One thumb and the metacarpal bone thereof________________ 60 One thumb at the proximal joint___________________________ 30 One thumb at the second distal joint---------------------------------- 20 One first finger and the metacarpal bone thereof------------------- 30 One first finger at the proximal joint_______________________ 20 One first finger at the second joint_________________________ 15 One first finger at the distal joint_________________________ 30 One second finger and the metacarpal bone thereof---------------- 30 One second finger at the proximal joint___________________ 15 10 One second finger at the second joint_______________________ One second linger at the distal joint______________________ 5 One third finger and the metacarpal bone thereof___________ 20 One third finger at the proximal joint____________________ 12 One third finger at the second joint_______________________ 8 One third finger at the distal joint______________________ _ 4 One fourth finger and the metacarpal bone thereof-------------- 12 One fourth finger at the proximal joint-----------------------------9 One fourth finger at the second joint______________________ 0 One fourth finger at the distal joint_______________________ 3 One leg at or near the hip joint as to preclude use of ariitieittl limb____________________________________________________ 180 One leg at or above the knee where stump remains .sufficient to permit the use of an artificial limb____________________ 150 One leg between the knee and ankle_______________________ 140 One foot at the ankle_____________________________________ 125 One great toe with the metatarsal bone thereof--------------------- 30 15 One great, toe at the proximal joiut______________________ One great toe at the second joint--------------------------------------- 30 One toe other than great toe with the metatarsal bone-------- 12 One toe other than great toe at proximal joint____________ 6 One toe other than great toe at second or distal joint---------3 One eye by enucleation------------------------------------------------------ 120 Total blindness of one eye_______________________________ 300 Total deafness of one ear____ :___________________________ 35 Total deafness of second ear________________________________115 In all other cases in this class, compensation shall bear such relation to the amount stated in the above schedule as the disabilities bear to those produced by the injuries named in the schedule. S kc. 6235. Ifcrnia.—In all cases of hernia resulting from injury alleged to have been sustained in the course of and resulting from employee's employment, it must be proven: (1) That it was an injury resulting in hernia; (2) that the hernia appeared suddenly and immediately following the injury; (3) that the hernia did not exist in any degree prior to the injury for which compensation is claimed. S ec. 6236. Malingering.—If a partially disabled employee refuses to seek suitable work or refuses or neglects to work after suitable work is offered to, procured by, or secured for him. he shall not be entitled to any compensation. Sec. 6237. Compulation of wages.—Average weekly wages shall be com puted in such a manner as is best calculated to give the average weekly earn ings of the workman during the 12 months preceding his injury; Provided, That where by reason of the shortness of the time during which the workman has been in the employment, or the casual nature of the employment, it ia TEXT OF LAWS----IDAHO 179 impracticable to compute the rate of remuneration, regard may be had to the average weekly earnings which, during the 12 months previous to the injury, were being earned by a person in the .same grade employed at the same work by the employer of the injured workman, or if there is no person so employed, by a person in the same grade employed in the same class of employ ment and in the same district. If a workman at the time of the injury is regularly employed in a higher grade of work than formerly during the year and with large[r] regular wages, only such larger wages shall be takeft into consideration in computing his average weekly wages. Sec. 6238. Voluntary payments.—Any payments made by the employer or his insurer to the injured workman during the period of disability, or to his dependents, which, by the terms of this chapter, were not due and payable when made, may, subject to the approval of the board, be deducted from the amount to be paid as compensation: Provided, That, in case of disability such deduction shall be made by shortening the period during which compensa tion must be paid, and not by reducing the amount of the weekly payments. S ec. 6239. Times of payments.—The board, upon the application of eirher party, may in its discretion.'having regard to the welfare of the employee and the convenience of the employer, authorize compensation to be paid monthly or quarterly instead of weekly. S ecs. 6240, 6241. Lump sums.— Ilf the board determines that it is for the best interest of all parties, awards may be commuted to one or more lump sums, not exceeding the present worth computed at 4 per cent true discount, compounded annually. Life expectancies are to- be determined according to the American experience table of mortality, but lump sums allowed a widow or widower shall not exceed 100 weeks’ compensation, and shall not be com muted except at her or his request. If the board deems it expedient, it may secure the appointment of a trustee to whom the lump sum may bo paid, to bo administered as the board may provide.] AimcLE 4 Section 6242. Medical examinations.— [During the period of disability the injured workman must, if requested by the employer or ordered by the board, submit to a medical examination at reasonable times and places. He may have his own physician present. Refusal or obstruction to an examination bars compensation for the period of such refusal or obstruction. Compensation may also be suspended or reduced if sanitary or unreasonable practices tend ing to prevent or retard recovery are practiced.! S ecs. 6243-6247. Notice and claim.— [Notice of injury must be given as soon as practicable after its occurrence, and claims submitted within one year after date of injury or death, the latter whether compensation has been claimed or not. Ordinary language is required and lack of accuracy not in effect misleading does not invalidate. Notice and claim must be in writing signed by the claimant or person in his behalf and may be rendered in person or by registered letter. Limitations do not run against minors or meutally incom petents so long as there is no committee, guardian or next friend.] A rticle 5 S ections 6248-6260. Industrial accident board.— [A board of three members, to be appointed by the governor and aproved by the senate, serves for terms of six years. Employers and employees are to be represented, and not more than two members of the board shall belong to the same political party. One term expires every two years. The salary is $3,000. The board organizes itself, a majority being a quorum. It has a seal and office in the capital, may employ necessary assistants and employees and is to provide necessary forms, publish and distribute an annual report and other reports and bulletins as deemed advisable, and should be represented in its proceedings by the attorney general of the State.] A rticle 6 Sections 6261, 6262, 6263 (as amended 1921, ch. 217), 6265 (as amended 1921, ch. 217), 6266, 6268 (as amended 1921, ch. 217), 6269, 6270, 6270A (added 1921, ch; 217), 6271 (amended 1921. ch. 217), 6272 (amended 1921, ch. 217), 180 w o r k m e n 's COMPENSATION LAWS— UNITED STATES G272A (added 1021. ch. 217), 6273, 6274. Procedure.— [The board or any mem ber may subpoena witnesses, administer oaths, examine books and records, enforcement being by the district court by proper proceedings. Process and procedure are to be summary and simple, following the rules of equity. Ap proved agreements have the same force and effect as awards. In the absence of agreement, hearing by a member of the board is provided for, the same to be held in a convenient place within the county where the accident occurred. The findings of fact, rulings of law, and a transcript of the evidence are to be filed with the board by the member holding the hearing. In the absence of claim for review the provision is enforceable the same as a decision of the board. An impartial physician may be appointed by the board or any member to examine the injured employee and report. The fee is fixed at $10 and travel ing expenses, but reasonable amounts may be added in extraordinary cases. Such costs are to be paid by the State, but either party may, at his own cost, have his own physician present. A claim for review must be filed within 30 days, whereupon the board shall hear the parties and may revise the decision of the member or refer it back to him for further findings of fact. Second hearings on questions of fact are not allowed as a matter of right. The board may -also review any agreement or award on the ground of change in conditions, or on its own motion or on the application of either party, but not oftener than once in six months. Awards are final and conclusive unless within 30 days either party appeals to the district court, whose jurisdiction is limited to a review of the questions of law. Such appeal is taken by tiling with the board and with the clerk of the court a notice of appeal, with notice also to the adverse party or his attorney. "Within 10 days the board files a transcript of the evidence and the case thereafter shall be tried by the court, a record of the case to be transmitted to the board within 20 days after any order or judgment of the court unless appealed from, or of a memorandum of agreement approved by the board entitles the party to a decree without notice which shall have the same effect as a judgment of the court. In case of proceedings brought, prosecuted, or defended without rea sonable ground, the offending party may be charged with the whole cost of the proceedings. If an employer appeals a case involving compensation, and the court finds in favor of the employee in an amount equal to or greater than the award of the board, interest shall be added on the whole amount of the judgment at 7 per cent per annum from the date of the award by the board: but if the award is reduced, interest is not required until the date of final judgment of the court. The same rule applies where the employee or his dependents made the appeal. Changes in awards must be filed with the district court which shall modify its prior decree or judgment so as to conform thereto.] Sec. 6275. Injuries outside of State.—If a workman who has been hired in this State receives personal injury by accident arising out of and in the course of such employment, he shall be entitled to compensation according to the law of this State even though such injury was received outside of this State. If a workman who has been hired outside of this State is injured while engaged in his employer** business, and is entitled to compensation for such injury under the law of the State where he was hired, he shall be entitled to enforce against his employer his rights in this State if his rights are such that they can reasonably be determined and dealt with by the board and the courts in this State. Article 7 S e c t io n s 6276, 6277. Status of awards.— [Rights to compensation under this chapter have the same preference or priority as unpaid wages, and are not assignable and are exempt from claims of creditors. Claims of attorneys and physicians are subject to the approval of the board.] A rticle 8 S ec t io n s 6278-6280. 6281 (as amended 1921, ch. 217), 6281A (added 1921; ch. 217), 6281B (added 1921, ch. 217>, 6282-6287. Security of payments.— [Private employers must secure compensation by insurance in the State insur ance fund or deposit satisfactory security: if the latter, notice of the security must be filed with the State insurance manager in a form prescribed by the board. Notice of compliance must be posted conspicuously in and about the place of the employer’s business. Failure to comply with the requirement as to security is a misdemeanor punishable by fine or imprisonment, or both. TEXT OF IjAWS— IDAHO 181 Insurance policies ami guarantee contracts must cover ttie entire liability o f the employer and give to the employees a right to enforce rheir claims directly, notice to The employer being also notice to the insurer, who accepts the juris diction of the employer as to orders, findings, and awards. The i>olicy must also provide that insolvency or bankruptcy of an employer does not discharge the surety as to liabilities accruing during the life of the policy or contract. Ten days’ notice of cancellation is required. Insurance costs for municipali ties are considered part of Ihe ordinary and necessary expenses of the corportion. No agreement by which an employee is to pay any i>ortion of the premiums of insurance or to contribute to a benefit fund, except as authorized by the board, or the cost of security to guarantee compensation payments is valid.] S ec. 0287A (added 1021. ch. 217). Contractors, etc.—An employer subject to the provisions of this act shall be liable for condensation to an employee of a contractor or subcontractor under him or who has not complied with the pro visions of section 6278 in any case where such employer would have been liable for compensation if such employee had been working directly for such em ployer. The contractor or subcontractor shall also be liable for such com pensation, but the employee shall not recover compensation for the same injury from more than one party. The employer who shall become liable for and pay such compensation may recover the same from the contractor or subcon tractor for whom the employee was working at the time of the accident. Sec tion 0287A shall be in force as to all contracts made subsequent to March 15, 1021. A rticle 0 S e c tio n 0288 (as amended 1021, ch. 104). Btaic in*uranee fund.—There i s hereby created a fund, to be known as the State insurance fund, for the pur pose of insuring employers against liability for compensation under this work men’s compensation act and of assuring to the persons entitled thereto the compensation provided by said law. Such fund shall consist of all premiums and penalties received and paid into the fund, of property and securities ac quired by and through the use of moneys belonging to the fund, and of interest earned upon moneys belonging to the fund and deposited or invested as herein provided. Such fund shall be administered by the department of finance without lia bility on the part the State beyond the amount of such fund. Such fund shall be applicable to the payment of losses sustained on account of insurance and to the payment of compensation under the workmen’s compensation act and of expenses of administering this article. Skcs. 0280-0200 (all as amended 1921, ch. 104). Duties of department of finance.— [The department of finance is vested with full authority over the State insurance fund, determines the rates to be charged, and may conduct all business in relation thereto. The department may sue in its official name and he sued in the State courts, may make contract of insurance and employ necessary assistants, experts, accountants, clerks, etc. No personal liability will be incurred for or on account of any act performed or contract eniered into in an official capacity in good faith and without intent to defraud. The department may act through proper deputies and delegate to them such powers as are deemed necessary or expedieut, including the making of con tract. of insurance, making agreements as to the settlements of claims subject to the approval of the industrial accident board, and contracting with physi cians, surgeons, and hospitals for medical and surgical treatment and care of injured persons entitled to compensation from the fund.] S ec. 0297. Custody.— [The State treasurer is custodian of the fund, giving separate bond, and making payments on warrants or vouchers authorized and signed by the proper authorities. Portions of the fund not needed for imme diate use may be deposited, interest earned to be placed to the credit of the fund. I Sec. 0298 (as amended 1921, ch. 104).* Surplus and reserve.—Ten per cenvum of the premiums collected from employers insured in the fund shall be set. aside by the department of finance for the creation of a surplus until * T h is a c t a m e n d s th e a d m in is t r a t iv e la w o f t h e S ta te , a b o lis h in g th e d e p a r tm e n t o f com m erce and in d u s tr y a n d t r a n s fe r r in g it s d u tie s to a n e w ly c r e a te d d ep a rtm en t o f fin a n c e . T he s u b s t it u t io n its m a d e in su bsequ en t s e c tio n s w it h o u t r e fe r e n c e to tiiia a m e n d in g a c t . 182 w o r k m e n ’ s COMPENSATION LAWS— UNITED STATES sucli surplus shall amount to the sum of $100,000, and thereafter 5 per centum of such premiums, until such time as in the judgment of the department such surplus shall be sufficiently large to cover the catastrophe hazard and all other unanticipated losses. The department shall also set up and maintain a reserve adequate to meet anticipated losses and carry all claims and policies to maturity. Sec. 6299 (as amended 1925, ch. 129). Investments.— [This section specifies the nature of investments that may be made with any surplus or reserve fund belonging to the State insurance fund, as United States bouds and those issued by Federal farm loan banks or warrants of the State, and its munici palities, other States and their municipalities and first mortgage security on Idaho real estate.] S ec . 6301. Classifications.—Employments insured in the State insurance fund shall be divided by the department of finance, for the purpose of the said fund, into classes. Separate accounts shall be kept of the amounts collected and expended in respect to each such class for convenience in determining equitable rates; but for the purpose of paying compensation the State insur ance fund shall be deemed one and indivisible. The department of finance shall have power to rearrauge any of the classes by withdrawing any em ployment embraced in it and transferring it wholly or in part to any other class, and from such employment to set up new classes in its discretion. The department of finance shall determine the hazards of the different classes and fix the rates of premiums therefor based upon the total pay roll and number of employees in each of such classcs of employment at the lowest possible rate consistent with the maintenance of a solvent State insurance fund and the creation of a reasonable surplus and reserve; and for such purpose may a^opt a system of schedule rating in such a manner *as to take account of the peculiar hazard of each individual risk. S ec . 6302. Separate accounts.—The department of finance shall keep an account of the money paid in premiums by each of the several classes of employments, and the expense of administering the State insurance fund and the disbursements on account of injuries and deaths of employees in each of said classes, including the setting up of reserves adequate to meet anticipated and unexpected losses and to carry the claims to maturity; and also an account of the money received from each individual employer; and of the amount disbursed from the State insurance fuud for expenses, and on account of injuries and death of the employees of such employer, including the re serves so set up. S ecs . 6303-6307. Dividends: premium*: policies.— [Annually, and at such other times as the department may determine, a readjustment of rates shall be made, and any balance to any class may be credited to the individual members of such class. If the premiums fixed have been too small, added assessments may be made, payable 30 days after notice. Premiums based on estimated pay roll expenditures are subject to readjustment at the end of the period for which the estimate was made. Employers receive policies of insurance from the department of finance, on which premium payments are to be made semiannually, or at such times as may be prescribed. If an employer is in default the amount due may be collected in a civil action in the name of the State or of the department, and the date of such payment shall be the date of the employer's compliance with the law. Default for 10 days entails liability to a penalty of $1 per day for each employee, which penalty may be waived in the discretion of the depart ment, for good cause shown, if the employer pays the premium.] Sec. 6308 (as amended 3921, ch. 217). Withdrawals.— [Employers not in arrears may withdraw from the fund by d e b itin g satisfactory security for the payment of compensation that may become due; but payments must con tinue until all liabilities are terminated.] Sec. 6309. Reinsurance.—The department of finance may reinsure any risk, or any part thereof, and may enter into agreements of reinsurance in the same way and to the same extent as other insurance carriers. S ec s . 6310-6314. Duty of employers; inspections.— [Employers in the State fund must keep accurate records of employees and wages paid, and. on de mand, furnish a sworn statement of the same to the department of finance. Such records and the plants of employers may be inspected to verify such statements. Falsification entails a penalty of ten times the difference be tween the premium paid and the amount that should have been paid, to be TEXT OF LAWS— IDAHO 183 collected in a civil action in the name of the State. Willful misrepresentation is a misdemeanor. Information acquired by the department in pursuance of the provisions of this chapter is not to be open to public inspection, and uulawful disclosure is fl misdemeanor.] S ec . 6315. Pat/men t of com pen fiat ion.— [Payments from the treasury are to be made on approved monthly estimates as to current expenditures.] S ec . 681.6. Public corporations.— A public corporation m ay insure ag ain st its liab ility fo r com pensation w iili the State insurance fund and not w ith any other insurance carrier, unless such fund shall refuse to acccpt the risk when the application fo r insurance is m ade. A rticle 10 S ec . 6817. Reports of accidents.— [Employers are to keep a record of all injuries to their employees received in the course of employment, and report the same within 48 hours, not including Sundays and holidays, if they cause absence from work of one day or more. A supplemental report is to be made on the termination of disability, or within 60 days if still disabled, with a final report on recovery. Prescribed data are to be presented in such reports, with such other information as the board may require. Within 60 days after the termination of disability a report must be filed with the board showing the total payments made or to be made for compensation and medical services.] S ec . 6817A (ad ded 1921. ch. 217). Sanies of employers.— LTlie departm ent o f finance is required to file m onthly a list o f all em ployers insured in the State fund during the calendar m onth preceding.] S ec . 6817B (added 1921, ch. 217). Employers* reports.— [Employers under the act are to make semiannual reports of the average number of employees on their pay roll.] S ec . 6818. Interstate commerce.— T h is chapter shall affect the liab ility o f em ployers to em ployees engaged in interstate or foreign com m erce, or other w ise, only so fa r as the sam e is perm issible under the law s o f the U nited States. S ec . 6819. Definitions.— In this chapter, unless the context otherw ise requires, w ords and phrases shall h ave the m eanings defined in the sections follow ing. S ec . 6820. Employer.—“ Employer" unless otherwise slated, includes any body of persons, corporate or unincorporated, public or private, and the legal representative of a deceased employer. It includes the owner or lessee of premises, or other person who is virtually the proprietor or operator of the business there carried on, but who, by reason of there being an independent contractor, or for any other reason, is not the direct employer of the workmen there employed. If the employer is secured it includes his surety so far as applicable. S kc. 6821 (as amended 1921, ch. 217). Workman.—“ Workman’’ is used as synonymous with “ employee ” and means any person who has entered into the employment of, or works under contract of service or apprenticeship with, an employer. It does not include any person engaged in any of the excepted employments enumerated in section 6216, unless an agreement as provided in said section is in force between employer and employee making the provisions hereof applicable. Any reference to a workman who has been injured shall, where the workman is dead, include a reference to his dependents as herein defined, if the context so requires, or, where the employee is a minor or incom petent, to his committee or guardian or next friend. A minor working at an age legally permitted under the laws of this State shall be deemed sui juris for the purpose of this act, and no other person shall have any cause of action or right to compensation for an injury to such minor workman except as expressly provided in this chapter, but in the event of a lump-sum payment becoming due under this chapter to such minor work man, the management of the sum shall be within the probate jurisdiction of the courts the same as other property of minors. S ec . 6822. Outworkers.—An “ outworker” is a person to whom articles or materials are given to be treated in any way on premises not under the con trol or management of the person who gave them out. S ec . 6823. Injury.—“ Injury ” or “ personal injury ” includes death resulting from injury within two years. 184 w o r k m e n ’ s COMPENSATION LAWS— UNITED STATES S ec . 6324. Scope.—The words “ personal injury by accident arising out of and in the course of such employment ” shall include an injury caused by .the willful act of a third person directed against an employee because of his em ployment. They shail not include a disease except as it shall result from the injury. Sec. 6325. Employment.—“ Employment.” in the case of private employers, includes employment only in a trade or occupation which is carried on by the employer for the sake of pecuniary gain. it shall also include any of the pursuits spcciiied in section 6210 when the employer and the employee shall have elected to come under the chapter as in said section provided. S ec . 6326. Hoard.— T h e word “ board.” whenever used in this chapter, unless the context show s otherw ise, shall be taken ro mean the ind ustrial accident board. S ec . 6327. Partial disability.—“ Partial disability.” Diminished ability to obtain employment owing to disfigurement resulting from an injury may be held to constitute partial disability. Sec. 6328. Wages.—**Wages ” shall include the market value of board, lodg ing, fuel, and other advantages which can be estimated in money which the employee receives from the employer as a part of his remuneration. “ Wages ” shall not include any sums which the employer ha.s paid to the em ployee to cover any special expenses entailed on him by the nature of his employment. Sko. 6329. Surety.—“ Surety ” shall include the State insurance manager, representing the State insurance fund, and also any companies from any of which employers have obtained surety bonds or guaranty contracts in ac cordance with the provisions of this act. S ec . 6330. X umber and se.r.—Any terms shall include the singular and both sexes where the context so requires. S kc. 6331. Provisions severahlr.—If any part or section of this chapter be decided by the courts to be unconstitutional or invalid, the same shall not affect the validity of the chapter as a whole, or any part thereof which can be given effect without the part so decided to be unconstitutional or invalid. Skc. 6332. False statements.—If for the purpose of obtaining any benefit, or payment under the provisions of this chapter, either for himself or for any other person, any one willfully makes a false statement or representation, he shall be guilty of a misdemeanor and he shall forfeit all right to compensation under this ohapler after conviction for such offense. Sec. 0333. Prior injuries.—The provisions of this chapter shall not apply to injuries sustained, or accidents which occur, prior to the taking effect hereof. S e c . 6334. Construction.—This chapter shall be so interpreted and construed as to effect its general purpose to make uniform the law of those States which enact, it. Sec. 6335. Appropriation.—For the purpose of carrying out article 9 of this chapter there is hereby appropriated out of the funds in the State treasury not otherwise appropriated, the sum of $20,000 or so much thereof as may be necessary to be placed in the State insurance fund and to be refunded as pro vided in section (5300 of this act. There is also hereby appropriated out of the funds in the State treasury not otherwise appropriated the sum of $15,000. or so much thereof as may be necessary, to be placed in the industrial administra tion fund. Sec. 6336. Title.—This chapter may be cited as the workman’s condensation law. ILLINOIS ACTS OF 1013 Workmen'8 Compensation Act (Page 335) S ection 1 (as amended 191.7, p. 505; 1921. p. 446). Employer's election.— An employer In this Slate, who does not c;>me within the classes enumerated by section 3 of this act, may dect to provide and pay compensation for accidental Injuries sustained by any employee arising out of and in the course of the employment according to the provisions of this act, and thereby relieve himself from any liability for the recovery of damages, except as herein provided. (a) Election by any employer to provide and pay compensation according to the provisions of this act shall be made by the employer filing notice of such election with the industrial board. ( 0) Every emplo>er within the provision* of this act who has elected to provided (.provide] and pay compensation according to the provisions of this act shall be bound thereby as to all ins employees until January 1 of tlie next succeeding year and for terms of each year thereafter: Provided, Any such employer who may have once elected, may elect not to provide and pay the compensation herein provided for accidents resulting in either injury or death and occur ring after the expiration of any such calendar year by filing notice of such election with the industrial board at least 60 days prior to the expiration of any such calendar year, and by posting such notice at a conspicuous place in the plant, shop, office, room, or place where such employee is employed, or by personal service in written or printed form, upon such employees, at least 60 days prior to the expiration of any such calendar year. t o In the event any employer mentioned in this section elects to provide and pay the compensation provided in this act, then every employee of such employer, as a part of his contract of hiring or who may be employed at the time of the taking effect of this act and the acceptance of its provisions by such employer, shall be deemed to have accepted all the provisions of this act and shall be bound thereby unless within 30 days after such hiring or after the taking effect of this ac!. and its acceptance by such employee, he shai* file a notice to the contrary with the industrial board, whose duty It shall i>e to immediately notify the employer, and until such notice to the contrary is given to the employer, the measure of liability of such employer shall be determined according to the compensation provisions of this a ct: Provided, however, That any employee may withdraw from the operation of this act upon filing a written notice of withdrawal at least 10 days prior to January 1, of any year with the industrial board, whose duty it shall be to immediately notify such employer by registered mail, and, until such notice to the contrary is given to such employer, the measure of liability of such employer shall be determined according to the compensation provisions of this act. (d) Any such employer or employees may, without prejudice to any existing right or claim, withdraw his election to reject this act by giving 30 days* written notice in such manner and form as may be provided by the industrial board. S ec:. 2. [Repealed.] S ec . 3. (as amended 1925, p. 378). Application of the a ct—The provisions of this act hereinafter following shall apply automatically and without election to the Slate, county, city, town, township, incorporated village or school dis trict. body politic or municipal corporation, and to all employers and all their employees engaged in any department of the following enterprises or businesses which are declared to be extra hazardous, namely: 1. The erection, maintaining, removing, remodeling, altering, or demolishing of any structure, except as provided in subparagraph 8 of this section. 2. Construction, excavating, or electrical work, except as provided in subparagraph 8 of this section. 185 186 w o r k m e n ’ s COMPENSATION LAWS— UNITED STATES 3. Carriage by land, water, or aerial service and loading or unloading in con nection therewith, including the distribution of any commodity by horse-drawn or motor-driven vehicle where the employer employs more than three employees it> the enterprise or business, except as provided in subparagraph 8 of this section. 4. The operation of any warehouse or general or terminal storehouses. 5. Mining, surface mining, or quarrying. 0. Any enterprise in which explosive materials are manufactured, handled, or used in dangerous quantities. 7. In any enterprise wherein molten metal or explosive or injurious gases or vapors, or inflammable vapors or fluids, or corrosive acids are manufactured, used, generated, stored, or conveyed ii> dangerous quantities. 7%. Any enterprise in which sharp-edged cutting tools, grinders, or imple ments are used, except as provided in subparagraph 8 of this section. 8. In any enterprise in which statutory or municipal ordinance regulations are now or shall hereafter be imposed for the regulating, guarding use or the placing of machinery or appliances or for the protection and safeguarding of the employees or the public therein, each of which occupations, enterprises, or businesses are hereby declared to be extra hazardous: Provided, Nothing contained herein shall be construed to apply to any work, employment, or opera tions done, had, or conducted by farmers and others engaged in farming, tillage of the soil, or stock raising, or to those who rent, demise, or lease land for any such purposes, or to anyone in their employ, or to any work done on a farm or country place, i*o matter what kind of work or service is being done or ren dered. Seo. 3 !,6 (added 1917, p. 490). Pleadings.— (« ) If the plaintiff in any action mentioned in section 3 shall in his declaration or in his other pleading allege that the employer has filed notice of his election not to provide and pay com pensation according to the provisions of the workmen’s comi>ensalion act and such allegation be not denied by a verified pleading, then such employer shall for the purpose of that action be conclusively presumed to have filed his notice of nonelection. (b) A certificate of the fact of the filing by an employer of the notice of nonelectioi* provided in section 2 and of the nonwithdrawal thereof shall be prima facie proof in any action mentioned in section 3 of the fact of the filing of such notice of nonelection and of the nonwithdrawal thereof. Such certificate* may be under the seal of the industrial board and signed by any member or the secretary thereof, of which seal and signature as such officer the court shall take judicial notice. Said certificate may be in substantially the following form : This is to certify that the attached is a correct copy of notice filed with the industrial board b y ---------on th e -------day o f ---------- , 19—, electing not to pro-. vide and pay compensation according to the provisions of the workmen’s com pensation act of Illinois, and that the original of said notice is now on file in the office of the industrial board and has not been withdrawn since the date of the filing thereof. In witness whereof this certificate has been subscribed and the seal of the industrial board affixed th is------day o f ---------- , 19—. ' » ---------of Industrial Itoard. Skc. 4 (as amended 1917, p. 505). Employers.—The term “ employer ” as used in this act shall be construed to be: First. The State and each county, city, town, township, incorporated village, school district, body politic, or municipal corporation therein. Second. Every person, firm, public or private corporation, including hospitals, public service, eleemosynary, religious, or charitable corporations or associa tions who has any person in service or under any contract for hire, express or implied, oral or written, and who is engaged in any of the enterprises or busi nesses enumerated in section 3 of this act, or who at or prior to the time of the accident to the employee for which compensation under this act may be claimed shall in the maimer provided in this act have elected to become subject to the provisions of this act, and who shall not, prior to such accident, have effected a withdrawal of such election in the manner provided in this act. Sec. 5 (as amended 1925, p. 378). Employees defined.—The term “ employee” as used in this act, shall be construed to mean: First. Every person in the service of the State, county, city, town, township, incorporated village, school district, body politic or municipal TEXT OP LAWS— ILLINOIS 187 corporations therein, under appointment or contract of hire, express or implied, oral or written, except any oliicial of the State, or of any county, city, town, township, incorporated village, school district, body politic or munici pal corporation therein and except any duly appointed member of the fire department in any city whose population exceeds 200,000 according to the last Federal or State census: Provided, That any such employee, his personal representative, beneficiaries or heirs, who is, are or shall be entitled to receive a pension or benefit for or on account of disability or death arising out of or in the course of his employment from a pension or benefit fund to which the State or any county, town, township, incorporated village, school district, body politic or municipal corporation therein is a contributor, in whole or in part, shall be entitled to receive only such part of such pension or benefit as is in excess of the amount of compensation recovered and received by such employee, his personal representative, beneficiaries or heirs under this act. And, provided, further, That one employed by a contractor who has con tracted with the State, or a county, city, town, township, incorporated village school district, body politic or municipal corporation, therein, through its re presentatives, shall not be considered as an employee of the State, county, city, town, township, incorporated village, school district, body politic or municipal corporation which made the contract. Second. Every person in the service of another under any contract of hire, express or implied, oral or written, including persons whose employment is outside of the State of Illinois, where the contract of hire is made within the State of Illinois, and including aliens, and minors who are legally per mitted to work under the laws of the State, who, for the purpose of this act, shall be considered the same and iiave the same power to contract, receive payments and give quittances therefor, as adult employees, but not including any person who is not engaged in the usual course of the trade, business, profession or occupation of his employer: Provided, That employees shall not be included within the provisions of this act when excluded by the laws of the United States relating to liability of employers to their employees for personal injuries where such law’s are held to be exclusive. Sbc. 6. iSuits abolished.—No common law or statutory ri^ht to recover dam ages for injury or death sustained by an employee while engaged in the line of his duty as such employee other than the compensation herein provided shall be available to any employee who is covered by the provisions of this act, to any one wholly or partially dependent upon him, the legal representatives of his estate, or any one otherwise entitled to rccover damages for such injury. S ec . 7 (a s am ended 1925, p. 378). Compensation for death.— T h e am ount o f com pensation w hich sh all be paid fo r an in jury to the em ployee resulting in death shall b e : 4 (a) If the employee leaves any widow, child or children whom he was under legal obligations to support at the time of his injury, a sum equal to four times the average annual earnings of the employee, but not less in any event than $'1,650 and not more in any event than $3,750. Any compensation payments other than necessary medical, surgical or hospital fees or services shall be deducted in ascertaining the amount payable on death. ( b) If no amount is payable under paragraph (« ) of this section and the employee leaves any parent, husband, child, or children who at the time of injury were totally dependent upon the earnings of the employee, then a sum equal to four times the average annual earnings of the employee, but not less in any event than $1,650, and not more iu any event than $3,750. Any com pensation payments other than necessary medical, surgical, or hospital fees or services shall be deducted in ascertaining the amount payable on death. (c) If no amount is payable under paragraphs (a) or (b) of this section and the employee leaves any parent, child or children, grandparent, or grand child, who at the time of injury were dependent upon the earnings of the employee, tlieu such proportion of a sum equal to four times the average annual earnings of the employee as such dependency bears to total dependency, but not less in any event than $1,650 and not more in any event than $3,750. Any compensation payments other than necessary medical, surgical, or hospital :fees or services shall be deducted in ascertaining the amounts payable on death. (<Z) i t no amount is payable under paragraphs (a), (b) or (o) of this section and the employee leaves collateral heirs dependent at the time of the injury to the employee upon his earnings, such a percentage of the sum pro 19650— 26-------13 188 w o r k m e n 's COMPENSATION LAWS— UNITED STATES vided in paragraph (a) of this section as the average annual contributions which the deceased made to the support of such dependent collateral heirs during the two years preceding the injury bears to his average annual earn ings during such two years. Any compensation payments other than neces sary medical, surgical, or hospital fees or services shall be deducted in ascer taining the amounts payable on death. (c) If no amount is payable under paragraphs (a). (&), (o), or (<J) of this section, a sum not to exceed $150 for burial expenses to be paid by the employer to the undertaker or to the person or persons incurring the expense of burial, and the further sum of $300 which shall be paid into a special fund, of which the State treasurer shall be ex-officio custodian, such special fund to be held and disbursed for the purposes hereinafter stated in paragraph (f) of section 8, either upon the order ol’ the industrial commission or of a compe tent court. (f) All compensation, except for burial expenses provided in this section to be paid in case injury results iu death, shall be paid in installments equal to the percentage of the average earnings as provided for in section 8 of this act, at the same intervals at which the wages or earnings of the employees were paid; or if this shall not he feasible, then the installments shall be paid weekly: Provided, Such compensation may be paid in a lump sum upon petition as provided in section 9 of this act. (g) The compensation to be paid for injury which results in death, as pro vided in this section, shall be paid to the persons who form the basis for de termining the amount of compensation to be paid by the employer, the re spective shares to be in the proportion of their respective dependency at the time of the injury on the earnings of the deceased: Provided, That the in dustrial commission or an arbitrator thereof may. in its or his discretion, order or award the payment to the parent or grandparent of a child for the latter's support the amount of compensation which but for such order or award would have been paid to such child as its share of the compensation payable, which order or award may be modified from time to time by the commission in its discretion with respect to the person to whom shall be paid the amount of said order or award remaining unpaid at the time of said modification. The payments of compensation by the employer in accordance with the order or award of the industrial commission shall discharge such employer from all further obligation as to such compensation. In a case whore any of the persons who would be entitled to compensation is living at any place outside of the United States, then payment shall he made to the personal representative of the deceased employee. The distribu tion by such personal representative to the persons entitled shall bo made to such persons and in such manner as the commission shall order. (h) 1. Whenever in paragraph ( a) of this section a minimum of $1,650 is provided, such minimum shall be increased in the following cases to the fol lowing amounts: Two thousand dollars in case of one child under the age of 16 years at the time of the death of the employee. Two thousand one hundred dollars in case of two or more children under the age of 16 years at the time of the death of the employee. 2. Whenever in paragraph (a) of this section a maximum of $3,750 is pro vided. such maximum shall be increased in the following cases to the following amounts: Four thousand one hundred dollars in cases of one child under the age of 16 years at the time of the death of the employee. Four thousand three hundred fifty dollars in case of two or more children under the age of 16 years at the time of the death of the employee. S ec . 8 (as amended 1925, p. 378). Nonfatal injuries.—The amount of com pensation which shall be paid to the employee for an injury not resulting in death shall be: (a) The employer shall provide the necessary first-aid medical and surgical services, and all necessary medical, surgical, and hospital services thereafter, limited, however, to that which is reasonably required to cure or relieve from the effects of the injury. The employee may elect to secure his own physi cian, surgeon, and hospital services at his own expense. Any injury resulting in the amputation of an arm, hand, leg, or foot, or the enucleation of an eye, the employer shall furnish an artificial of any such member lost in accidental injury arising out of and in the course of the employment, and shall also TEXT OF LAWS— ILLINOIS 189 furnish the necessary braces in all proper and necessary cases, provided the furnishing by the employer of any such services or appliances shall not be construed to admit liability on the part of the employer to pay compensation, and the furnishing of any such services or appliances by the employer shall not be construed as the payment of compensation. (ft) If the period of temporary total incapacity for work lasts more than six working-days, compensation equal to 50 per cent of the earnings, but not less than $7.50 nor more than $14 per week, beginning on the eighth day of such temporary total incapacity and continuing as long as the temporary total in capacity lasts, but not after the amount of compensation paid equals the mount which would have been payable as a death benefit under paragraph (a), section 7, if the employee had died as a result of the injury at the time thereof, leaving heirs surviving as provided in said paragraph (a), section 7: Provided, That in the case where the temporary total incapacity for work continues for a period of four weeks from the day of the injury, then compensation shall com mence on the day after the injury. (c) For any serious and permanent disfigurement to the hand, head, or face, the employee shall be entitled to compensation for such disfigurement, the amount fixed by agreement or by arbitration in accordance with the provisions of this act. which amount shall not exceed one-quarter of the amount of the compensation which would have been payable as a death benefit under para graph (a), section 7, if the employee had died as a result of the injury at the time thereof, leaving heirs surviving, as provided in said paragraph (a ), sec tion 7: Provided, That no compensation shall be payable under this paragraph where compensation is payable under paragraph (d), (e), or (f) of this sec tion: And provided further, That when the disfigurement is to the hand, head, or face, as a result of any injury, for which injury compensation is not pay able under paragraph (d ), (e), or (f) of this section, compensation for such disfigurement-may be had under this paragraph. (d) if, after the injury has been sustained, the employee as a result thereof becomes partially incapacitated from pursuing his usual and customary line of employment, he shall, except in the cases covered by the specific schedule sot forth in paragraph (e) of this section, receive compensation, subject to the limitations as to time and maximum amounts fixed in paragraphs (ft) and (h) of this section, equal to 50 per cent of the difference between the average amount which he earned before the accident and the average amount which he is earning or is able to earn in some suitable employment or business after the accident. {dr-1) An injured employee, to be entitled to compensation for hernia, must prove: 1. The hernia was of recent origin; 2. Its appearance was accompanied by i>ain; 3. That it was immediately preceded by trauma arising out of and in the course of the employment: 4. That the hernia did not exist prior to the injury. (e) For injuries in the following schedule, the employee shall receive in addition to compensation during the period of temporary total incapacity for work resulting from such injury, in accordance with the provisions of para graphs (a) and (6) of this section, compensation, for a further period, subject to the limitations as to time and amounts fixed in paragraphs (ft) and (h) of this section, for the specific loss herein mentioned, as follows, but shall not receive any compensation for such injuries under any other provisions of this act: 1. For the loss of a thumb, or the permanent and complete loss of its use, 50 per cent of the average weekly wage during 66 weeks. 2. Fer the loss of a first finger, commonly called the index finger, or the per manent and complete loss of its use, 50 per cent of the average weekly wage during 39 weeks. 3. For the loss of a second finger, or the permanent and complete loss of its use, 50 per cent of the average weekly wage during 33 weeks. 4. For the loss of a third finger, or the permanent and complete loss of its use, 50 per cent of the average weekly wage during 22 weeks. 5. For the loss of a fourth finger, commonly called the little finger, or the permanent and complete loss of its use, 50 per cent of the average weekly wage during 16 weeks. 190 WORKMEN 'S COMPENSATION LAWS— UNITED STATES 6. The loss of the first phalange of the thumb or of any finger shall be considered to be equal to the loss of one-half of such thumb or finger and compensation shall be one-half the amounts above specified. 7. The loss of more than one phalange shall be considered as the loss of the entire finger or thumb: Provided, however, That in no case shall the amount received for more than one finger exceed the amount provided in this schedule for the loss of a hand. 8. For the loss of a great toe, 50 per cent of the average weekly wage during 33 weeks. 0. For the loss of one toe other than the great toe, 50 per cent of the average weekly wage during 11 weeks, and for the additional loss of one or more toes other than the great toe, 50 per cent of the average weekly wage during an additional 11 weeks. 10. The loss of the first phalange of any toe shall be considered to be the equal to the loss of one-half of such toe, and compensation shall be one-half of the amount above specified. 11. The loss of more than one phalange shall be considered as the loss of the entire toe. 12. For the loss of a hand, or the permanent and complete loss of its use, 50 per cent of the average weekly wage during 165 weeks. 13. For the loss of an arm, or the permanent and complete loss of its use, 50 per cent of the average weekly wage during 220 weeks. 14. For the loss of a foot, or the permanent and complete loss of its use, 50 per cent of the average w^pkly wage during 135 weeks. 15. For the loss of a leg, or the permanent and complete loss of its use, 50 per cent of the average weekly wage during 180 weeks. 16. For the loss of the sight of an eye, or for the permanent and complete loss of its use, 50 per cent of the average weekly wage during 110 weeks. 17. For the permanent partial loss of use of a member or sight of an eye, 50 per cent of the average weekly wage during that portion of the number of weeks in the foregoing schedule provided for the loss of such member or sight of an eye which the partial loss of use thereof bears to the total loss of use of such member or sight of eye. 18. The loss of both hands, or both arms, or both feet, or both legs, or both eyes, or of any two thereof, suffered in one accident, or the permanent and com plete loss of use thereof, suffered in one accident, shall constitute total and per manent disability, to be compensated according to the compensation fixed by paragraph ( f ) of this section: Provided, That these specific cases of total and permanent disability shall not be construed as excluding other cases: Provided further, That any employee who has in a previous and independent accident suf fered the loss or permanent and complete loss of the use of any one of said mem bers, and in a subsequent independent accident loses another or suffers the per manent and complete loss of the use of any one of said members, the employer for whom the injured employee is working at the time of said last independent accident shall be liable to pay compensation only for the loss or permanent and complete loss of the use of the member occasioned by said last independent accideut. if) In case of complete disability, which renders the employee wholly and permanently incapable of work, compensation equal to 50 per cent of his earn ings but not less than $7.50 nor more than $14 per week, commencing on the day after the injury and continuing until the amount paid equals the amount which would have been payable as a death benefit under paragraph (a ), section 7, if the employee had died as a result of the injury at the time thereof, leaving heirs surviving as provided in said paragraph (a ), section 7, and thereafter a pension during life annually equal to 8 per cent of the amount which would have been payable as a death benefit under paragraph (a), section 7, if the employee had died as a result of the injury at the time thereof, leaving heirs surviving, as provided in said paragraph (a ), section 7. Such pension shall not be less than $10 per month and shall be payable monthly: Provided, Any employee who receives an award under this paragraph and afterwards returns to work, or is able to do so, and who earns or is able to earn as much as before the injury, payments under such award shall cease; if such employee returns to work, or is able to return to do so and earns or is able to earn part but not as much as before the injury, such award shall be modified so as to conform to an award under paragraph id) of this section: Provided further, That dis ability as enumerated in subdivision 18, paragraph (e) of this section shall be considered complete disability. If an employee who had previously incurred TEXT OF DAWS— ILLINOIS 191 loss or the permanent and complete loss of the use of one member, through the loss or the permanent and complete loss of the use of one hand, one arm, one foot, one leg, or one eye, incurs permanent and complete disability through the loss or the permanent and complete loss of the use of another member, he shall receive, in addition to the compensation payable by the employer and after such payments have ceased, an amount from the special fund provided for in para graph (e) of section 7, which, together with the compensation payable from the employer in whose employ he was when the last injury was incurred, will equal the amount payable for permanent and complete disability as provided in this paragraph of this section. (g) In case death occurs as a result of the injury before the total of the payments made equals th<? amount payable as a death benelit, then in case the employee leaves any widow, child or children, parents, grandparents, or other lineal heirs, entitled to compensation under section 7, the difference between the compensation for death and the sum of the payments made to the employee, shall be paid to the beneficiaries of the deceased employee, and distributed as provided in paragraph (f) of section 7, but in no case shall the amount pay able under this paragraph be less than $500. (h) In no event shall the compensation to be paid exceed 50 per cent of the average weekly wage, or exceed $14 per week in amount; nor, except in case of complete disability, as defined above, shall any payments extend over a period of more than eight years from the date of the accident. In case an injured employee shall be incompetent at the time when any right or privilege accrues to him uuder the provisions of this act, a conservator or guardian may be appointed pursuant to law, and may, on behalf of such incompetent, claim and exercise any such right or privilege with the same force and effect as if the employee himself had been competent and had claimed or exercised said right or privilege; and no limitations of time by this act provided shall run so long as- said incompetent employee is without a conservator or a guardian. (i) 1. All compensation provided for in paragraphs (ft), (c), (d), (e), and (f) of this section, other than in case of pension for life, shall be paid in installments at the same intervals at which the wages or earnings of the employee were paid at the time of the injury, or if this shall not be feasible, then the installments shall be paid weekly: 2. Provided, That any payments of compensation by the employer to an injured employee prior to the filing of application for adjustment of claim, shall not be construed against the employer as admitting liability to pay com pensation; and 3. Provided, further, That all compensation payments named and provided for in paragraphs (ft), (c), (d), ( e ), and (f) of this section, shall mean and be defined to be for injuries and only such injuries as are proven by competent evidence, of which there are or have been objective conditions or symptoms proven, not within the physical or mental control of the injured employee himself. (/) 1. Wherever in this section there is a provision for 50 per cent, such per cent shall be increased 5 per cent for each child of the employee, includ ing children who have been legally adopted, under 16 years of age at the time of the injury to the employee until such per cent shall reach a maximum of 65 per cent. 2. Wherever in this section a weekly minimum of $7.50 is provided, such minimum shall be increased in the following cases to the following amounts: Eleven dollars in case of an employee having one child under the age of 16 years at the time of the injury to the employee; Twelve dollars in. case of an employee having two children under the age of 16 years at the time of the injury to the employee; Thirteen dollars in case of an employee having three children under the age of 16 years at the time of the injury to the employee; Fourteen dollars in case of an employee having four or more children under the age of 16 years at the time of the injury to the employee. 3. Wherever in this section a weekly maximum of $14 is provided, such maximum shall be increased in the following cases to the following amount: Fifteen dollars in case of an employee with one child under the age of 16 years at the time of the injury to the employee. Sixteen dollars in case of an employee with two children under the age of 16 years at the time of the injury to the employee. Eighteen dollars in case of an employee with three children under the age of 16 years at the time of the injury to the employee. 192 w o r k m e n ’s COMPENSATION LAWS— UNITED STATES Nineteen dollars in case of an employee with four or more children under the age of 16 years at the time of the injury to the employee. Sec. 9 (as amended 1915, p. 400). Lump aunts.— [If it appears to be to the interest of the parties, the board may, on application, afler hearing, commute future payments on a basis of their present worth calculated at interest of 3 per cent per annum with annual rests; but in cases of complete disability, no petition for commutation will be entertained until after the expiration of six months from the date of the injury. Arrangements may be made for the appointment of a conservator or guardian of a person under disability. Either party may reject a lump sum award except an award under section 7 or para graph (e) of section 8.] S ec . 10. Basis for computing compensation-.—The basis for computing the compensation provided for in sections 7 and 8 of the act shall be as follows: (a) The compensation shall be computed on the basis of the annual earn ings which the injured person received as salary, wages, or earnings if in the employment of the same employer continuously during the year next pre ceding the injury. ( b) Employment by the same employer shall be taken to mean employment by the same employer in the grade in which the employee was employed at the time of the accident, uninterrupted by absence from work due to illness or any other unavoidable cause. (c) If the injured person has not been engaged in the employment of the same employer for the full year immediately precediug the accidont, the com pensation shall be computed according to the annual earnings which persons of the same class in the same employment and same location, (or if that be impracticable, of neighboring employment of the same kind) have earned during such period. (d) As to employees in employments in which it is the custom to operate throughout the working days of the year, the annual earnings,‘ if not other wise determinable, shall be regarded as three hundred times the average daily earnings in such computation. (e) As to employees in employments in which it is the custom to operate for a part of the whole number of working days in each year, such number, if the annual earnings are not otherwise determinable, shall be used instead of 300 as a basis for computing the annual earnings: Provided, The minimum num ber of days which shall be so used for the basis of the year’s work shall not be less than 200. ( f ) In the case of injured employees who earn either no wage or less than the earnings of adult day laborers in the same line of employment in that local ity, the yearly wage shall be reckoned according to the average annual earn ing of adults of the same class in the same (or if that is impracticable then of neighboring) employments. (g) Earnings, for the purpose of this section, shall be based on the earnings for the number of hours commonly regarded as a day's work for that em ployment, and shall exclude overtime earnings. The earnings shall not in clude any sum which the employer has been accustomed to pay the employee to cover any special expense entailed on him by the nature of his employment. (h) In computing the compensation to be paid to any employee, who, be fore the accident for which he claims compensation, was disabled and draw ing compensation under the terms of this act, the compensation for each sub sequent injury shall be apportioned according to the proportion of incapacity and disability caused by the respective injuries which he may have suffered. (O To determine the amount of compensation for each installment period, the amount per annum shall be ascertained pursuant hereto, and such amount divided by the number of installment periods per annum. Sec. 11 (as amended 1917, p. 505). Responsibility of employer.—The com pensation herein provided, together with the provisions of this act shall be the measure of the responsibility of any employer engaged in any of the en terprises or businesses enumerated in section 3 of this act, or of any employer who is not engaged in any such enterprises or businesses, but who has elected to provide and pay compensation for accidental injuries sustained by any em ployee arising out of and in the course of the employment according to the provision of this act, and whose election to continue under this act, has not been nullified by any action of his employees as provided for in this act. Sec. 12. Medical examination-.—An employee entitled to receive disability payments shall be required, if requested by the employer, to submit himself, TEXT OF LAWS— ILLINOIS 193 at the expense of the employer, for examination to a duly qualified medical practitioner or surgeon selected by the employer, at any time and place reason ably convenient for the employee, for the purpose of determining the nature, extent, and probable duration of the injury received by the employee, and for the purpose of ascertaining the amount of compensation which may be due the employee from time to time for disability according to the provisions of this act: Provided, however, That such examination shall be made in the presence of a duly qualified medical practitioner or surgeon provided and paid for by the employee, if such employee so desires: Provided, further, That such examination shall not be made on the day of the hearing. In all cases where the examination is made by a surgeon engaged by the employer, and the in jured employee has no surgeon present at such examination, it shall be the duty of the surgeon making the examination at the instance of the employer to deliver to the injured employee, or his representative, a statement in writing of the condition and extent of the injury to the same extent that said surgeon reports to the employer. I f the employee refuses so to submit himself to exami nation or unnecessarily obstructs the same, his right to compensation payments shall be temi>orarily susi>ended until such examination shall have taken pi nee, and no compensation shall be payable under this act for such period. It shall be the duty of surgeons treating an injured employee who is likely to die, and treating him at the instance of the employer, to have called in another surgeon to be designated and paid for by either the injured employee or by the person or persons who would become his beneficiary or beneficiaries, to make an ex amination before the death of such injured employed. [As amended 1925, p. 378.] S ecs . 13 (as amended 1917, p. 505), 14 (both as amended 1925, p. 378), 15, 16 (as amended 1925, p. 37tt), 17, 18. Industrial board.— [A board of five members, two representing the employing class, two representing employees, and one a representative citizen identified with neither class who shall act as chair man, is to be appoint'd by the governor by and with the consent of the senate. The salaries are to be $6,000 per year, the chairman receiving $7,500. A secretary, arbitrator, and such assistants and clerical help as may be neces sary may be appointed by the commission. The board has jurisdiction over the operation and administration of the act, and may make rules and orders, summon witnesses, admiuister oaths, require the production of books, papers, and records, and secure punishment for contempt on application to the county court. It also has the power to fix attorneys’ and physicians’ fees, and hospital co.sts. It is to print and furnish free of charge upon request such blank forms as are necessary for the efficient administration of the act and keep records of employers and employees who file notices of declination or withdrawal; also of proceedings and awards by the board or by arbitration committees, all such records to be kept in the office of the board. All questions under the act if not settled by agreement are to be determined by the board except as other wise provided.] Sko. 19 (as amended 1925, p. 378). Arbitration.— [On notification that the parlies have failed to reach an agreement, the industrial commission designntes an arbitrator, unless in case of permanent disability or death, then cither party may procure the determination by a committee of arbitration on which each party is to be represented by its appointee, the commission to designate an arbitrator to act as chairman. The party filing a petition for a committee of arbitration must deposit with the commission the sum of $20 to be paid to the arbitrators for their services. If no such deposit is made, the election for a committee is void and an arbitrator designated by the commis sion will act. The arbitrator or committee is to make necessary inquiries and investigations, hear evidence, and file its decision with the industrial commis si cm. which notifies the parties or their attorneys thereof, sending a copy of the same. Unless a petition of review is filed within 15 days after such notifi cation, and within 20 days (or 30 days if the commission allows) a statement of facts is submitted the decision becomes a decision of the commission, and in the absence of fraud is conclusive. The commission may appoint an impartial physician to examine and report on the condition of the injured employee, for which service not more than $5 will be allowed except in extraordinary cases. Attorneys’ and physicians’ fees are, upon the request of any party in interest, subject to review by the commission. Persistence in unsanitary or injurious practices tending to Imperil or retard recovery or rejection of medical, etc., treatment necessary to promote recovery gives the commission power to reduce or suspend compensation. 194 w o r k m e n 's COMPENSATION U W S — UNITED STATES If the petition for review is properly submitted, the commission considers questions of both law and fact, and such additional evidence as the parties may submit. Hearings may be had at such places as seem advisable, due notice being given of places of taking testimony and hearing arguments. De cisions of the commission acting within its powers and in accordance with prescribed procedure are, in the abscnce of fraud, conclusive unless by a writ of certiorari the circuit court brings up the claim for review on questions of law and fact presented in the record, no additional evidence to be heard. Findings of the commission are not to be set aside unless contrary to the manifest weight of the evidence except where the decision of the arbitrator or the committee of arbitrators has become automatically the decision of the commission. Provisions for prompt action and due notice to the parties are made. The writ is not to issue in the absence of a bond conditioned to pay the award if the writ be unsuccessfully prosecuted. Decisions may be confirmed, set aside, or remanded to the commission. Judgments and orders of the cir cuit court may be reviewed only by the supreme court on a writ of error. On presentation of a certified copy of a decision of the industrial commis sion, against which no proceedings for review have been taken, to the circuit court of the county, such court shall render judgment in accordance there with, and unless proceedings for review are taken, the court may enter judg ment, taxing costs, with the same effect as though the judgment were ren dered in an action by the court. Awards for continuing payments may be reviewed at any time within 18 months after the agreement or award on grounds of change of physical condition, 15 days’ notice of hearing being required. Added time is allowed for attendance from a distance, together with travel costs. This provision for review does not apply where lump-sum settlements have been made. In case of the death of an employee during proceedings, the testimony taken may be subsequently introduced with the same force .and effect as though he were present testifying in person. If unreasonable or vexatious delay of pay ments or intentional underpayment or frivolous conditions appear to have been made, the commission may award additional compensation equal to 50 per cent of the normal amount payable.] Sec. 20. Reports.— [Annual reports to the governor covering the details and results of the administration of the act are required, and such other bulletins and reports as the board deems advisable.] Sec. 21 (as amended 1919, p. 538). Exemption, etc., of payments.—No pay ment, claim, award, or decision under this act shall be assignable or subject to any lien, attachment, or garnishment, or be held liable in any way for any lien, debt, penalty, or damages. A decision or award of the industrial com mission against an employer for compensation under this act, or a written agreement by an employer to pay such compensation shall, upon the filing of a certified copy of the decision or said agreement, as the case may be, with the recorder of deeds of the county, constitute a lien upon all property of the employer within said county, paramount to all other claims or liens, except mortgages, trust deeds, or for wages or taxes, and such liens may be enforced in the manner provided for the foreclosure of mortgages under the laws of this State. Any right to receive compensation hereunder shall be extinguished by the death of the person or persons entitled thereto, subject to the provisions of this act relative to compensation for death received in the course of em ployment: Provided, That upon the death of a beneficiary, who is receiving compensation provided for in section 7, leaving surviving a parent, sister, or brother of the deceased employee, at the time of his death dependent upon him for support, who were receiving from such beneficiary a contribution to support, then that proportion of the compensation of the beneficiary which would have been paid but for the death of the beneficiary, but in no event exceeding said unpaid compensation, which the contribution of the beneficiary to the dependent’s support within one year prior to the death of the bene ficiary bears to the compensation of the beneficiary within that year, shall be continued for the benefit of such dependents, notwithstanding the death of the beneficiary. Sec. 22. Agreements within seven days.—Any contract or agreement made by any employer or his agent or attorney with any employee or any other beneficiary of any claim under the provisions of this act within seven days after the injury shall be presumed to be fraudulent. Sec. 23. Waivers.—No employee, personal representative, or beneficiary shall have power to waive any of the provisions of this act in regard to the amount TEXT OP LAWS— ILLINOIS 195 of compensation which may be payable to such employee’s personal repre sentative or beneficiary hereunder except after approval by the industrial commission. Sec. 24 (as amended 1919, :p. 538; 1921, p. 446; 1925, p. 37$). Notice; claim.— [Notice of action must be given to the employer, as soon as practicable, not later than 30 days, or in cases of hernia not less than 15 days after the accident. In case of mental incapacity, six months is allowed. Claim must be submitted within six months after the accident, or if payments have been made, within six months after their cessation. The bar is absolute unless a written claim for compensation is filed within one year after the date of the injury or at the date of the last payment of compensation.] Sec. 25 (as amended 1921, p. 440). Release from liability.— [An employer may be relieved from liability under an order of the industrial commission by depositing the commuted value of the total unpaid compensation computed at its present worth at 3 per cent per annum in some approved depository, or by purchasing an annuity for the proper amount.] Sbc. 20 (as amended 1919, p. 538). Security.— [Employers under the act must furnish proof of financial ability to pay compensation, furnish security, in demnity or both, insure their liability in some authorized organization or corporation, or make other provision for securing payment. Evidence of com pliancy with the foregoing may be required as often as the commission thinks necessary. I f an insurer is found to be insolvent or financially unsound, or practices a policy of delay or unfairness in the adjustment of payments of benefits, the commission may, after reasonable notice and hearing, order it to discontinue writing workmen’s compensation insurance in the State. Such order is subject to review by the courts. Failure on the part of an employer to comply with the provisions of this section is punishable by a fine for each day’s failure or neglect of not less than $1 nor more than $50 per day.] S ec . 27. Existing and additional insurance.— [This act is not to affect or disturb existing forms of insurance or benefits, nor prevent the organization of mutual aid, benefit, or relief associations among employees, nor are such existing mutual associations or departments to be discontinued without first discharging the obligations thereunder. No wages may be withheld as pre mium payments.] S ec . 28 (as amended 1919, p. 538). Direct liability.— [In cose of employer’s failure to pay the compensation for which he is liable, his insurer becomes primarily liable to pay to the employee, his personal representative, or bene ficiary, the compensation provided by the act to be paid by the employer.] Sec. 29 (as amended 1917, p. 505). Liability of third party.— [Where the injury occurs under circumstances involving the liability of a third party, if such party is an employer under the act, he becomes liable to the injured workman in an amount not exceeding the compensation payable under the act; but if the third party was not under the act, a suit for damages may be instituted, and on recovery of any judgment, the employer is*to be reim bursed to the extent of any compensation paid by him for the injury; but where the employee or his personal representative accepts compensation or proceeds therefor against the employer, the latter becomes subrogated to all rights against such third party, or may continue an action already instituted, but from any recovery made by him, the excess over the outlay iu compensa tion and costs goes to the injured man or his personal representative.] S ec . 30. Reports of accidents.— [Employers are to make immediate report of all accidental injuries to their employees resulting in death, and monthly reports of all accidental injuries on which compensation has been paid. If permanent disability results, a further report must be made as soon as its nature is determined. Prescribed details are to be given as to the nature of the injury, term of disability, wages, compensation paid, and other items of cost.] Sec. 31 (as amended 1919, p. 538). Contractors.—Anyone engaging in any business or enterprise referred to in subsections 1 and 2 of section 3 of this act who undertakes to do any work enumerated therein, shall be liable to pay compensation to his own immediate employees in accordance with the provisions of this act, and in addition thereto if he directly or indirectly engages any contractor, whether principal or subcontractor, to do any such work, he shall be liable to pay compensation to the employees of any such contractor or subcontractor unless such contractor or subcontractor shall have insured, in any company or association authorized under the laws of this State to insure the liability to pay compensation under this act, or guaranteed his liability to pay such compensation. 196 WORKMENCOMPENSATION LAWS— UNITED STATES In the event any such person shall pay compensation under this section he may recover the amount thereof from the* contractor or subcontractor, if any, and in the event the contractor shall pay compensation under this section he may recover the amount thereof from the subcontractor, if any. This section shall not apply in any case where the accident occurs elsewhere than on, in, or about the immediate premises on which the principal has con tracted that the work shall be done. Sec. 32 (as amended 1919, p. 505). Constitutionality; current cases.— [This section provides for possible findings of unconstitutionality, existing claims, etc.] S ec . 33. Penalties.— [Willful noncompliance with the terms of the act or its administration is a misdemeanor.] S ec . 33% (added 1915, p. 400). Title.—This act may be cited as the Work men's compensation act. Sec. 34. Provisions severable.—The invalidity of any portion of this act shall in no way affect the validity of any other portion thereof which can be given effect without such invalid part. Occupational diseases [An act of 1911, page 330, enumerates certain dangerous processes of manu facture and labor, requiring protective devices, medical examinations, and factory equipment adapted to the circumstances. A right of action for injuries to health caused by violation of these provisions was given. As amended in 1923, page 351, compensation is payable for the disability or death by occupational disease of any person employed in the occupations cov ered by the act, in the same manner as provided for accidental injuries. The occupations covered are those involving the use or handling of lead in its various forms, including smelting; also the smelting of zinc or use of Paris green.] INDIANA ACTS OF 1915 C hapter 106.—Compensation of workmen for injuries Part I S e c tio n 1. Title.—This act shall be known as “ The Indiana workmen’s com pensation act.” Sec. 2 (as amended, 1917, ch. 165). Acceptance presumed.—From and after the taking effect of this act every employer and every employee, except as herein stated, shall be presumed to have accepted the provisions of this act respectively to pay and accept compensation for personal injury or death by accident arising out of and in the course of the employment, and shall be bound thereby, unless he shall have given prior to any accident resulting in injury or death notice to the contrary in the manner herein provided. This act shall not apply to railroad employees engaged in train service. S ec . 3. Waiver.—Either an employer or an employee, who has excepted him self, by proper notice, from the operation of this act, may at any time waive such exemption and thereby accept the provisions of this act by giving notice as herein provided. The notice of exemption and the notice of acceptance heretofore referred to shall be given 30 days prior to any accident resulting in injury or death: Provided, That if any such injury occurrcd less than 30 days after the date of employment, notice of such exemption or acceptance given at the time of em ployment shall be sufficient notice thereof. The notice shall be in writing or print in a substantial form prescribed by the industrial board and shall be given by the employer by posting the same in a conspicuous place in the plant, shop, oiiice, room, or place where the employee is employed, or by serving it personally upon him; and shall be given by the employed by sending the same in registered letter addressed to the employer at his last known residence or place of business, or by giving it personally to the employer, or any of his agents upon whom a summons in civil action may be served under the laws of the State. A copy of the notice in prescribed form shall also be filed with the industrial board. Sko. 4. Contracts of service.—Every contract of service between any em ployer and employee covered by this act, written or implied, now in operation or made or implied prior to the taking effect of this act, shall, after the act has taken effect, be presumed to continue; and every such contract made subsequent to the taking effect of this act shall be presumed to have been made subject to the provisions of this act, unless either party shall give notice, as provided in section 3, to the other party to such contract that the provisions of this act other than sections 10, 11, and 67 are not intended to apply. A like presumption shall exist equally in the case of all minors unless notice of the same character be given by or to the parent or guardian of the minor. Sec. 5 (as amended, 1919, ch. 57). Insurance.—Every employer who accepts the compensation provisions of this act shall insure the payment of compensa tion to his employees and their dependents in the manner hereinafter pro vided, or procure from the industrial board a certificate authorizing him to carry such risk without insurance, and while such insurance or such certificate remains in force he or those conducting his business shall be liable to any employee and his dependents for personal injury or death by accident arising out of and in the course of employment only to the extent and in the manner herein specified. S ec. 6. Remedy.—The rights and remedies herein granted to an employee subject to this act on account of personal injury or death by accident shall exclude all other rights and remedies of such employee, his personal repre 197 198 w o r k m e n ’s COMPENSATION LAWS— UNITED STATES sentatives, dependents, or next of kin, at common law or otherwise on account of such injury or death. Sec. 7. Violation of statute.—Nothing in this act shall be construed to re lieve any employer or employee from penalty for failure or neglect to perform «ny statutory duty. Sec. 8 (as amended 1019, ch. 57). Willful misconduct, etc.—No compensa tion shall be allowed for an injury or death due to the employee’s inten tionally self-inflicted injury, his intoxication, his commission of a felony or misdemeanor, his willful failure or refusal to use a safety appliance, his willful failure or refusal to obey a reasonable written or printed rule of the employer which has been posted in a conspicuous place, his willful failure or refusal to perform any statutory duty or to any other willful misconduct on his part. The burden of proof shall be on the defendant. Sec. 9 (as amended 1919, ch. 57). Exemptions.—This act, except section 67, shall not apply to casual laborers, as defined in clause (6) of section 76, nor to farm or agricultural employees, nor to domestic servants, nor to the em ployers of such persons, unless such employees and their employers file with the industrial board their voluntary joint election to be so bound. Sec. 10. Defenses abrogated.—Every employer who elects not to operate under this act shall not in any suit at law by an employee to recover damages for personal injury or death by accident be permitted to defend any such suit at law upon any one or all of the following grounds: (a) That the employee was negligent. (ft) That the injury was caused by the negligence of a fellow employee. (c) That the employee had assumed the risk of the injury. Sec. 11. Employee rejecting act.—Every employee who elects not to operate under this act shall, in any action to recover damages for personal injury or death brought against an employer accepting the compensation provisions of this act, proceed at common law, and the employer may avail himself of the defenses of contributory negligence, negligence of a fellow servant and assump tion of risk, as such defenses exist at common law. Sec. 12. Rejection by both parties.—When both the employer and employee elect not to operate under this act, the liability of the employer shall be the same as though he alone had rejected the terms of this act, and in any suit brought against him the employer shall not be permitted to avail himself of any of the common-law defenses cited in section 11. Sec. 13 (as amended 1919, ch. 57). Liability of third persons.—Whenever an injury or death, for which compensation is payable under this act, shall have been sustained under circumstances creating in some other person than the employer a legal liability to pay damages in respect thereto, the injured employee, or his defendants, in case of death, at his or their option, may claim compensation from the employer or proceed at law against such other person to recover damages or may proceed against both the employer and such other person at the same time, but he or they shall not collect from both: and, if compensation is awarded and accepted under this act, the em ployer, having paid compensation or having become liable therefor, may collcct in his own name or in the name of the injured employee, or, in ease of death, in the name of his dependents from the other person in whom legal liability for damage exists, the compensation paid or payable to the injured employee or his dependents. Sue. 14 (as amended 1919, ch. 57). Principals and contractors.—The State, any political division thereof, any municipal corporation, any corporation, partnership, or person, contracting for the performance of any work without exacting from the contractor a certificate from the industrial board showing that such contractor has complied with section 68 of this act, shall be liable to the same extent as the contractor for compensation, physician’s fees, hospital fees, nurse’s charges, and burial expenses on account of the injury or death of any employee of such contractor, due to an accident arising out of and in the course of the performance of the work covered by such contract. Any principal contractor, intermediate contractor, or subcontractor, who shall sublet any contract for the performance of any work, without requir ing from such subcontractor a certificate from the industrial board, showing that such subcontractor has complied with section 68 hereof, shall be liable to the same extent as such subcontractor for the payment of compensation, physician’s fees, hospital fees, nurse's charges, and burial expenses on account TEXT OF I>AWS^-IN DIANA 199 of the injury or death of any' employee of such subcontractor due to an ac cident arising out of and in the course of the performance of the work cov ered by such subcontract. The State, any political division thereof, any municipal corporation, any cor poration, partnership, person, principal contractor, intermediate contractor, or subcontractor, paying compensation, physician’s fees, hospital foes, nurse’s charges, or burial expenses under the foregoing provisions of this section, may recover the amount paid from any person who, independently of such provis ions, would have been liable for the payment thereof. Every claim, filed with the industrial board under this section, shall be in stituted against all parties liable for payment, and said board, in its award, shall fix the order in which said parties shall be exhausted, beginning with the immediate employer. Sec. 15 (as amended 3919, ch. 57). Waivers.—No contract or agreement, written or implied, no rule, regulation or other device, shall in any manner operate to relieve any employer in whole or in part of any obligation created by this act. S ec . 16. Preferences.—All rights of compensation granted by thi* act shall have the same preference or priority for the whole thereof against the assets of the employer as is allowed by law for any unpaid wages for labor. Sec. 17. Assignments, etc.—No claim for compensation under this act shall be assignable, and all compensation and claims therefor shall be exempt from all claims of creditors S ec . 18 (as amended 1919, ch. 57). Public employments.—The provisions of this act except sections 3, 4, 10, 11, and 12, shall apply to the State, to all political divisions thereof, to all municipal corporations within the State, to persons, partnerships, and corporations engaged in mining coal, and to the employees thereof. S ec . 19. Interstate commerce.—That act, except section 67 (shall not apply to employees engaged in interstate or foreign commerce, nor to their employers, in case the laws of the United States provide for compensation or for liability for injury or death by accident of such employees. S ec . 20. Injuries outside State.—Every employer and employee under this act, except as provided in section 19, shall be bound by the provisions of the act whether injury by accident or death resulting from such injury occurs within the State or in some other State or in a foreign country. Sec. 21. PHor injuries.—The provisions of this act shall not apply to injuries or death nor to accidents which occurred prior to"the taking effect of the act P a r t IJ Secs. 22, 23 (both as amended 1919, ch. 57). Notice.— [Unless the employer or his representative has actual knowledge, notice of injury or death must be given as soon as practicable, and unless within 30 days, no compensation will be paid until notice is given or knowledge obtained. Lack of notice will not bar compensation unless the employer was prejudiced thereby, and then only to the extent of the prejudice. Notice is to be in writing, signed by the claimant or someone in his behalf, and may be delivered personally or sent by registered letter.? Sec. 24. Claim.—The right to compensation under this act shall be forever barred unless within two years after the injury, or if death results therefrom within two years after such death, a claim for compensation thereunder shall be filed with the industrial board. S ec . 25 (as amended 1919, ch. 57). Medical, etc., aid.—During the first 30 days after an injury the employer shall furnish or cause to be furnished free of charge to the injured employee an attending physician for the treatment of his injuries, and in addition thereto such surgical, hospital, and nurse’s serv ices and supplies as the attending physician or the industrial board may deem necessary. And during the whole or. any part of the remainder of the period of dis ability or impairment resulting from the injury the employer may continue .to furnish such physician, services, and supplies. If by reason of the nature of the injury or the process of recovery treatment is necessary for a longer period than 30 days, the industrial board may require the employer to furnish such treatment for an additional period, not exceeding 30 days. The refusal of the employee to accept such service and supplies, when so provided by the 200 w o r k m e n 's COMPENSATION LAWS— UNITED STATES employer, shall bar the employee from all compensation during the period of such refusal unless, in the opinion of the industrial board, the circumstances justify such refusal. If in an emergency or because of the employer’s failure to provide such attending physician or such surgical, hospital, or nurse’s services and supplies as herein specified, or for other good reason, a physician other than that pro vided by the employer treats the injured employee within the first 30 days, or necessary and proper surgical, hospital, or nurse’s services and supplies are procured within said period, the reasonable cost of such service and supplies shall, subject to the approval of the industrial board, be paid by the employer. Sec. 26. Charges.—The pecuniary liability of the employer for medical, surgical, and hospital service herein required shall be limited to such charges as prevail in the same community for similar treatment of injured persons of a like standard of living when such treatment is paid for by the injured person. Sec. 27. Medical examination.— [During disability the injured employee must submit to medical examination as requested by the employer or ordered by the board, and may have his own physician present. Facts coming to the knowledge of physicians who attend or examine such employees are not privileged. Refusal or obstruction of examination suspends compensation, and none will be paid for the period unless the board finds such refusal or ob struction justifiable. An autopsy may be had in any case of death, at the expense of the party requiring it.] Sec. 28 (as amended 1917, ch. 81). Waiting time.—No compensation shall be allowed for the first seven calendar days of disability resulting from an injury, except the benefits provided for in section 25; but if disability extends beyond that period compensation shall commence with the eighth day after the injury. Sec. 29 (as amended 1917, ch. 81). Total disability.—Where the injury causes total disability for work, there shall be paid to the injured employee during such total disability, but not including the first seven days thereof, a weekly compensation equal to 55 per cent of his average weekly wages for a period of not to exceed 500 weeks. Sec. 30 (as amended 1917, ch. 81). Partial disability.—Where the injury causes partial disability for work, there shall be paid to the injured employee during such disability, but not including the first seven days thereof, a weekly compensation equal to one-half of the difference between his “ average weekly wages” and the weekly wages at which he is actually employed after the injury, for a period not to exceed 300 weeks. In case the partial disability begins after a period of total disability, the latter period shall be deducted from the maximum period allowed for partial disability. Sec. 31 (as amended 1919, ch. 57). Schedule.—For injuries in the following schedule the employee shall receive in lieu of all other compensation, on account of said injuries, a weekly compensation of 55 per cent of his average weekly wages for the periods stated for said injuries respectively, to w it: (a) Amputations: For the loss by separation, of the thumb 60 weeks, of the index finger 40 weeks, of the second finger 35 weeks, of the third or ring finger 30 weeks, of the fourth or little finger 20 weeks, of the hand by separa tion below the elbow joint 200 weeks, of the arm above the elbow joint 250 weeks, of the big toe 60 weeks, of the second toe 30 weeks, of the third toe 20 weeks, of the fourth toe 15 weeks, of the fifth or little toe 10 weeks, of the foot below the knee joint 150 weeks, and of the leg above the knee joint 200 weeks. The loss of more than one phalange of a thumb or toe shall be considered at the loss of the entire thumb or toe. The loss of more than two phalanges of a finger shall be considered as the loss of the entire finger. That the loss of not more than one phalange of a thumb or toe shall be con sidered as the loss of one-half of the thumb or toe and compensation shall be paid for one-half of the period for the loss of the entire thumb or toe. That the loss of not more than two phalanges of a finger shall be considered as the loss of one-half of the finger and compensation shall be paid for one-half of the period for the loss of the entire Angel*. (ft) Loss of use: The total permanent loss of the use of an arm, hand, thumb, finger, leg, foot, toe, or phalange shall be considered as the equivalent of the loss, by separation, of the arm, hand, thumb, finger, leg, foot, toe, or phalange, and the compensation shall be paid for the same period as for the loss thereof by separation. TEXT OF LAWS— INDIANA 201 (c ) Partial loss of use: For the permanent partial loss of the use of an armf hand, thumb, finger, leg, foot, toe, or phalange, compensation shall be paid for the proportionate loss of the use of such arm, hand, thumb, finder, leg, foot, toe, or phalange. (d) For injuries resulting in total permanent disability, 500 weeks. (0) For the loss of both hands, or both ieet, or the sight of both eyes or any two of such losses in the same accident, 500 weeks. ( f ) For the permanent loss of the sight of an eye or its reduction to one-tenth of normal vision with glasses. 150 week.s, and for any other permanent reduc tion of the sight of an eye compensation shall be paid for a period propor tionate to the degree of such permanent reduction. (g) For the permanent and complete loss of hearing, 100 week3. (h) In all other cases of permanent partial impairment, compensation proportionate to the degree of such permanent partial impairment, in the discretion of the industrial board, not exceeding 500 weeks. (1) In all cases of permanent disfigurement, which may impair the future usefulness or opportunities of the employee, compensation, in the discretion of the industrial board, not exceeding 200 weeks. (j) For injuries causing temporary total disability for work there shall be paid to the injured employee during such total disability, but not including the first seven calendar days thereof, a weekly compensation equal to 55 per cent of his average weekly wages for a period not to exceed 500 weeks. (ft) For injuries causing temporary partial disability for work, compensa tion shall be paid to the injured employee during such disability, but not including the first seven calendar days, a weekly compensation equal to 55 per cent o f the difference between his average weekly wages and the weekly wages at which he is actually employed after the injury, for a period not to exceed 300 weeks. In case the partial disability begins after the period of temporary total disability the latter period shall be deducted from the maxi mum period allowed for partial disability. (2) No compensation shall be allowed 011 account of injuries producing only temporary total disability to work 01* temporary partial disability to work for the first seven calendar days of disability resulting from such injuries except the benefits provided for in section 25; but if disability extends beyond that period, compensation shall commence with the beginning of the eighth day of such disability. Sec. 32. Refusing employment.—If an injured employee refuses employment suitable to his capacity procured for him, he shall not be entitled to any com pensation at any time during the continuance of such refusal, unless in the opinion of the industrial board such refusal was justifiable. Sec. 33. Subsequent injuries.— If an employee has sustained a permanent injury in another employment than that in which he received a subsequent permanent injury by accident, such as specified in section 31, he shall be en titled to compensation for the subsequent injury in the same amount as if the previous injury had not occurred. Sec. 34. Double mjury.—If an employee received an injury for which com pensation is payable while he is still receiving or entitled to compensation for a previous injury in the same employment, he shall not at the same time be entitled to compensation for both injuries, unless it be for a permanent injury, such as specified in section 31; but he shall be entitled to compensa tion for that injury and from the time of that injury which will cover the longest period and the largest amount payable under this act Sec. 35. Two permanent injuries.—If an employee receives a permanent in jury, such as specified in section 31, after having sustained another permanent injury in the same employment, he shall be entitled to compensation for both injuries, but the total compensation shall be paid by extending the period and not by increasing the amount of weekly compensation. When the previous and subsequent permanent injuries result in total per manent disability, compensation shall be payable for permanent total disa bility, but payments made for the previous injury shall be deducted from the total payment of compensation due. Sec. 30. Death during compensation period.—When an employee receives or is entitled to compensation under this act for an injury and dies from any other cause than the injury for which he was entitled to compensation, payment of the unpaid balance of compensation shall be made to his next of kin dependent upon him for support. 202 WORKMEN’S COMPENSATION LAWS— UNITED STATES S ec. 37 (as amended, 1939, eh. 57). Death benefits.— When death results from the injury within 300 weeks, there shall be paid a weekly compensation equal to 55 per eent of the deceased's average weekly wages during such remaining part of 300 weeks as compensation shall not have been paid to the deceased on account of the injury, in equal shares to all dependents of the employee wholly dependent upon him for support at the time of the death. If the employee leaves dependents only partially dependent upon his earnings for support at the time of his injury, the weekly compensation to those de pendents shall be in the same proportion to the weekly compensation for persons wholly dependent as the average amount contributed weekly by the deceased to such partial dependent bears to his average weekly wages at the time of the injury. Sec. 38 (as amended 1919, eh. 57). Dependents.—The following persons shall be conclusively presumed to be wholly dependent for support upon a deceased employee: (a) A wife upon a husband with whom she is living at the time of his death, or upon whom the laws of the State impose the obligation of her support at such time. (&) A husband, who is both physically and financially incapable of selfsupport, upon his wife with whom he is living at the time of her death. (c) A child under the age of 18 years upon the parent with whom he or she is living at the time of the death of such parent. (d) A child under 18 years upon the parent with whom he or she may not be living at the time of the death of such parent, but upon whom, at such time, the laws of the State impose the obligation to support such child. (e) A child over the age of 18 years who is either physically or mentally incapacitated from earning his or her own support, upon a parent with whom he or she is living at the time of the death of such parent, or upon whom the laws of the State at such time impose the obligation of the support of such child. As used in this section, the term “ child ” shall include stepchildren, legally adopted children, posthumous children, and acknowledged illegitimate chil dren, but shall not include married children; the term “ parent ” shall include step-parents and parents by adoption. In all other cases questions of total dependency shall be determined in ac cordance with the fact as the fact may be at the time of the death, and the question of partial dependency shall be determined in like manner as of date of the injury. If there is more than one person wholly dependent, the death benefit shall be divided equally among them; and persons partially dependent shall receive not [no] part thereof. If there is no one wholly dependent and more than one person partially de pendent, the death benefit shall be divided among the partial dependents ac cording to the relative extent of their dependency. The dependency of a widow, widower, or child shall terminate with his or her marriage subsequent to the death of the employee. The dependency of a child, except a child physically or mentally incapacitated from earning shall terminate with the attainment of 18 years of age. S ec . 39 (as amended 1919, ch. 57). Burial expenses.—In all oases of the death of an employee from an injury by an accident arising out of and in the course of his employment under such circumstances that the employee would have been entitled to compensation if death had not resulted, the employer shall pay the burial expenses of such employee, not exceeding $100. S ec . 40. Basic wages.—In computing compensation under the foregoing sec tions the average weekly wages of an employee shall be considered not to be more than $24 nor less than $10: And provided further, That the total com pensation payable under this act shall in no case exceed $5,000. Sec. 41. Advance payments.—Any payments made by the employer to the injured employee during the period of his disability, or to his dependents, which by the terms of this act were not due and payable when made, may, subject to the approval of the industrial board, be deducted from the amount to be paid as compensation: Provided, That in case of disability such deduction shall be made by shortening the period during which compensation must be paid and not by reducing the amount of the weekly payments, unless otherwise here inafter specified. S ec . 42 (as amended 1919, ch. 57). Time of payments.—When so provided in the compensation agreement or in the award of the industrial board, com pensation may be paid semimonthly or monthly instead of weekly. TEXT OF U W S — INDIANA 203 S e p s . 43 (as amended 3910, ch. 57), 44. Lump sums.— [After 26 weeks’ com pensation payments, in unusual eases, on agreement of the parties and approval of the hoard, remaining benefits m;iy be redeemed in whole or in part in a lump sum, representing the present worth computed at 3 i>er cent interest, compounded annually. Compensation for permanently disabling injuries to a minor may be commuted at any time if the board so orders. Lump sums may be paid to trustees if the board thinks it expedient.] S ec . 45 (as amended 1919, ch. 45). Rcvkics.— [The board lias continuing jurisdiction over each case and may, on its own motion or application of either party, modify awards on account of change of condition, but not to effect past payments. Such power does not extend beyond one year after the termination of the compensation period originally fixed. The board may at any time correct clerical errors or mistakes of fact.] S ec . 46 (as amended 1919, ch. 57). Small awards.—When the aggregate pay ments of compensation awarded by agreement or upon hearing to an employee or dependent under 18 years of age do not exceed $100 the payment thereof may be made directly to such employee or dependent, except when the indus trial board shall order otherwise. Whenever the aggregate payments of compensation due to any person under 18 years of age exceed $100 the payment thereof shall be made to a trustee, appointed by the circuit or superior court, or to a duly qualified guardian, or to a parent upon the order of the industrial board. The payment of compensa tion due ro any person 18 years of age or over may be made directly to such person. S ec . 47 (as amended 1019, ch. 57). Incompetents, etc.—If an injured em ployee or a dependent is mentally incompetent, or a minor at the time when any right or privilege accrues to him under this act his guardian or trustee may, in his behalf, claim and exercise such right or privilege. Sec. 48 (as amended 1919, ch. 57). Limitation.—No limitation of time pro vided in this act shall run against any person who is mentally incompetent or a minor dependent, or a minor, so long as he had no guardian or trustee. S ec . 49. Two or more employers.—Whenever any employee for whose injury or death compensation is payable under this act shall at the time of the injury be in the joint service of two or more employers subject to this act such employers shall contribute to the payment of such compensation in proportion to their wage liability to such employees: Provided, however, That nothing in this section shall prevent any reasonable arrangement between such em ployers for a different distribution as between themselves of the ultimate bur den of compensation. P a r t III S e c t i o n s 50, 51 (both as amended 1019, ch. 57), 52-55, 56 (as amended 1919, ch. 57). Industrial "board.— [An industrial board consisting of five members, two to be attorneys and not more than three to be of the same political party, is to be appointed by the governor. An attorney of recognized qualifications is to be chairman. Terms are four years and until successors are appointed and qualified, unless removed by the governor, notation is provided for. Members may be removed for incompetency, neglect of duty, or other good cause. Annual salaries are $4,000 each, and a secretary and such clerical and other assistants as are deemed necessary may be employed, not more than 60 per cent to be of the same political party. The board is given charge of the administration of various industrial and safety laws, and is to have offices and keep records in the city of Indianapolis. It may make rules not inconsistent with this act. Process and procedure are to be summary and simple as reasonably may be. The board or any member may administer oaths, subpoena witnesses to be served by the county sheriff, and may procure the attendance of witnesses on application to the circuit or superior court. Forms, records, and annual reports to the governor are to be prepared and furnished as needed.] S ecs . 57 (a s am ended 1917, ch. 81), 58 ( a s am ended 1919, ch. 57), 59-61 (a s am ended 1917, ch. 63), 62, 63 (a s am ended 1919, ch. 57), 64, 65 ( a s amended 1919, ch. 57). Procedure.— [A greem en t m ay be m ade a fte r seven d ays from the d ate o f an in ju ry or death in a form prescribed by the board, and filed 1965°— 26-------14 204 w o r k m e n ’ s COMPENSATION LAWS----UNITED STATES with it and approved, and becomes enforceable, but. in the absence of filing is voidable by the employee or his dependents. If no agreement is reached, or a disagreement arises as to continuance of payments on account of change in conditions, either party may apply to the board for a determination of matters in dispute. Hearings are to be had and a summary determination of the matters in issue. If the award is not by a full board and application for re view is made within seven days, the full board shall review the evidence or hear the parties, their representatives and witnesses and make an award. Such an award, or an award by less than a full board if not appealed from, is conclusive and binding as to all questions of fact, but appeals on questions of law lie to the court. The board may also of its own motion certify questions of law to the appellate court. Appeals are to be advanced and determined at the earliest possible date. If an award of the full board is affirmed on appeal it shall be increased thereby 5 per cent. An agreement or award not appealed from may be tiled by any party in interest iu the circuit or superior court of the county, and shall thereupon have the same effect as a judgment of the court. It shall be notiiied in accordance with any changes made in an award by the board. Costs are to be awarded and taxed as in ordinary civil actions in the circuit court. The board or a member may on application, or its own motion, appoint a physician to make necessary medical examinations and testify in respect thereto. A reasonable fee not exceeding $10 is allowed, though in case of extraordinary cases this may be increased. Fees and expenses of such physicians are to be paid by the State. Attorney and medical fees and charges of nurses and hospitals are subject to approval by the board. The fixing of an attorney's fee is binding upon both the claimant and the attorney, and the employer is to pay such fee. out of the award.] S ec . 66. Settlement of disputes.— [Questions under this act not settled by agreement are to be settled by the board, except as otherwise herein provided.] S ex\ 67. Report8 of injuries.— [Employers are required to keep a record of all injuries to their employees and report those causing absence from work of more than one day within one week after their occurrence; also to make supplementary reports on the details of the disability, or within 60 days in a protracted case, the termination of which is also to be reported.] S ecs . 68-70 (all as amended 1917, ch. 57), 71, 72, 78 (as amended 1919, ch. 57), 74, 75. Registration and Insurance of employees.— [Every employer in the State, except employers of farm and domestic labor, must annually register with the board and procure a certificate therefrom, giving the name of the employer, post-office address, nature and location of business, and number of employees by sex. Every employer under the act must insure bis liability thereunder or furnish satisfactory proof of financial ability to make direct payments of compensation as it may become due. Evidence of compliance with this provision must be filed with the board. A certificate permitting self-insurance is furnished, but may be revoked on satisfactory evidence after notice of hearing, subject to renewal on a proper showing. Mutual companies and reciprocal associations are authorized on compliance with the requirements of the board. A substitute scheme may also be estab lished subject to approval of the board and determination by it. If on notice and hearing it appears not to be fairly administered, in danger of insolvency, or for other substantial reason not accomplishing the purposes of the act, it may be terminated. If contributions of employees are required, benefits must be provided in addition to those provided for by the act, insurance policies must be submitted to and approved by the board, and all policies issued are conclusively presumed to cover all the employees and the entire compensation liability of the insured employer, including medical and sur gical aid, burial expenses, etc. Modifications or limitations are void. As between insurer and employer, notice to the employer and his jurisdiction are notice and. jurisdiction as to the insurer. Payments are to inure directly to the benefit of claimants, and default of an employer after injury or failure to give notice required by the policy or otherwise does not relieve the obligation of the insurer. Failure of any insurer to pay final awards and judgments, except during the pendency of an appeal, or noncompliance TEXT OP LAWS— INDIANA 205 with the act entails a revocation of the board's approval of its policy form, and it may not accept further business until the approval of the board is renewed.] S ec . 76 (as amended 1919, ch. 57; 1923, ch. 76). Definitions.—In this act unless the context otherwise requires: (a) “ Employer'* shall include the State and any political division, any municipal corporation within the State, any individual, firm, association, or corporation or the receiver or trustee of the same, or the legal representatives of a deceased person using the services of another for pay. If the employer is insured it shall include his insurer so far as applicable. The term “ em ployee” as used in this act and in the act of which this act is amendatory shall be construed to include every person, including a minor 14 years of age or over, in the service of another under any contract of hire or apprenticeship, written or implied, except one whose employment is both casual and not in the usual course of the trade, business, occupation, or profession of the employer. Except as herein provided, all such minor employees are hereby made of full age for all purposes under, in connection with, or arising out of this act. Any reference to an employee who has been injured shall, when the employee is dead, also include his legal representatives, dependents, and other persons to whom compensation may bo payable. E x c e p t as hereinafter otherwise pro vided, if the employee be a minor of the age of 34 years or over who at the time of the accident is employed, required, suffered, or permitted to work in violation of any of the provisions of any of the child labor laws of this Slate, the amount of compensation and death benefits as provided in this act shall be double the amount which would otherwise be recoverable. The insurance carrier shall be liable on its policy for one-half of the compensation or benefits that may be pay able on account of the injury or death of such minor and the employer shall bt wholly liable for the other one-half of such compensation or benefits: Pro vided, That if such employee be a minor who is not less than 36 years and not more than 18 years of age and who at the time of the accident is employed, suffered, or permitted to work at any occupation which is not prohibited by law, the provision of this act prescribing double the amount otherwise recoverable shall not apply. The rights and remedies herein granted to a minor subject, to this act on account of personal injury or death by accident shall exclude all rights and remedies of such minor, his parents, his personal representatives, dependents, or next kin at common law, statutory or otherwise, on account of such injury or death. This act shall not apply to minors under 14 years of age. (b) [Repealed.] (c ) “Average weekly wages” shall mean the earnings of the injured em ployee in the employment in which he was working at the time of the injury during the period of 52 weeks immediately preceding the date of injury, divided by 52; but if the injured employee lost seven or more calendar days during such period, although not in the same week, then the earnings for the remainder of such 52 weeks shall be divided by the number of weeks and parts thereof remaining after the time so lost has been deducted. Where the employ ment prior to the injury extended over a period of less than 52 weeks, the method of dividing the earnings during that period by the number of weeks and parts thereof during which the employee earned wages shall be followed : Provided. Results just and fair to both parties will thereby be obtained. Where by reason of the shortness of the time during which the employee has been in the employment of his employer or of the casual nature or terms of the employment it is impracticable to compute the average weekly wages as above defined, regard shall be had to the average weekly amount which during the 52 weeks previous to the injury was being earned by a person in the same grade employed at the same work by the same employer, or if there is no per son so employed, by a person in the same grade employed in the same class of employment in the same district. Wherever allowances of any character made to an employee in lieu of wages are specified part of the wage contract, they shall be deemed a part of his earnings. {d) “ Injury” and “ personal injury” shall mean only injury by accident arising out of and in the course of the employment and shall not include a disease in any form except as it shall result from the injury. 206 WORKMEN'S COMPENSATION LAWS— UNITED STATES S ec . 77. Provisions severable.—If any section or provision of this act be decided by the courts to be unconstitutional or invalid, the same shall not affect the validity of this act as a whole or any part thereof other than the part so decided to be unconstitutional or invalid. S ec . 78. [Repealed.] S ec . 80. Appropriation.—For the purpose of paying the salaries and expenses of the members of the industrial board and its employees, the sum of $70,000 or so much thereof as may be necessary is hereby appropriated. S ec . 81. Pending cases.—The provisions of this act shall not affect pending litigation. IOWA CODE, 1924 IIForkm en's compcn nation S ection 1361. Exempt employments.—This chapter shall not apply to— 1. Any household or domestic* servant. 2. Persons whose employment is of a casual nature. 3. Persons engaged in agriculture, in so far as injuries shall be incurred by employees while engaged in agricultural pursuits or any operations immediately connected therewith, whether on or off the premises of the employer. 4. As between a municipal corporation, city, or town and any person or per sons receiving any benefits under, or who may be entitled to benefits from, any “ firemen's pension fund” or “ policemen’s pension fund” of any municipal corporation, city, or town, except as otherwise provided by law. Sec. 1362. Compulsory, when.—Where the State, county, municipal corpora tion, school district, or city under any form of government is the employer, the provisions of this chapter for the payment of compensation and.amount thereof for an injury sustained by an employee of such employer shall be exclusive, compulsory, and obligatory upon both employer and employee, except as other wise provided in the preceding section. Sec. 1363. Election presumed.—Except as provided by this chapter, it shall be conclusively presumed that every employer has elected to provide, secure, and pay compensation according to the provisions of this chapter for any and all personal injuries sustained by an employee arising out of and in the course of the employment, and in such cases the employer shall be relieved from other liability for recovery of damages or other compensation for such personal injury. S ecs . 1364-1369. Rejection.— [Employers may reject by written notice posted in their establishments and filed with the industrial commissioner; employees by written notice to the employer, likewise filed. The forms of employers’ and employees* notices to reject are prescribed, and are to be substantially complied with. An employer’s notice of rejection, when posted, is binding on subsequent employees the same as on those in current employment. If an employee rejects, the employer retains the common-law defenses in any action against him for injuries, but assumption of risks can not be pleaded if the injury is due to the failure of the employer in respect of statutory requirements as to safety.] S ec . 1370. Affidavit of employee as to rejection.—When an employee or one who is an applicant for employment rejects the provisions of this chapter he shall, in addition to such notice, state in an affidavit to be filed with said notice who, if any person, requested, suggested, or demanded of such person to reject the provisions of this chapter. If such request, suggestion, or demand has been made of such employee by any person, such employee shall state the name of the person who made the request, suggestion, or demand, and all of the circumstances relating thereto, the date and place made, and persons pres ent, and if it be found that the employer of such employee, or an employer to whom an applicant for employment has applied, or any person a member of the firm, association, corporation, or agent or official of such employer, made a request, suggestion, or demand to such employee or applicant for employment to reject the provisions of this chapter, the rejection made under such cir cumstances shall be conclusively presumed to have been fraudulently procured, and such rejection shall be null and void and of no effect, unless such employee has a permanent disability at the time of making the affidavit, then and in that event such rejection shall be presumed to have been fraudulently procured. S ec . 1371. Who may administer oath.—No person interested in the business of such employer, financially or otherwise, shall be permitted to administer the oath to the affiant required in case an employee or applicant for employment elects to reject the provisions of this chapter. And the person administering 207 208 WORKMEN’ S COMPENSATION LAWS— UNITED STATES such oath to such affiant shall carefully road tho notice and affidavit to such person making such rejection, and shall explain that the purpose of the notice is to bar such person from recovering compensation in accordance wjlth the schedule and terms of this chapter in the event that he sustains an injury in the course of such employment: all of which shall be shown by certificate of the person administering the oath herein contemplated. The industrial com missioner shall refuse to file the notice and affidavit unless the same fully and in detail comply with the requirements hereof. If such rejection, affidavit, or certificate is found insufficient for any cause, they shall be returned to the person who executed the instrument, with the reasons indorsed thereon by the industrial commissioner. S e cs . 1372-1376. Term and effect of rejection.— [An election to reject is ef fective until waived in writing in the same manner as the election to reject. When an employer rejects he can not plead the defenses of assumed risks, fellow service, or contributory negligence unless willful or the injury was due to the injured person's intoxication. Injuries due to the willful intent to injur* one’s self or another, or proximately to intoxication are not compensable.] S ecs . 1377, 1378. Agreement implied.— [In the absence of notice to reject all contracts of hire are construed as agreements to compensate and accept compensation as in this act provided; and no contract of waiver can operate to relieve the employer of his liability hereunder.] S ec . 1379. Presumption as to negligence.— [Where a rejecting employer is sued in an action for damages for Injury to his employee it is to be presumed that such injury was the direct result of the employer's negligence, and the burden of rebuttal rests on the employer.] S ec . 1380. Remedy exclusive.— [U n til notice in w ritin g to the contrary, em ployees are conclusively presum ed to h ave accepted the provisions o f this act a s the e xclu sive rem edy in case o f in ju ry , the sam e being binding on personal representatives, dependents, and n e xt o f k in.] S ec. 1381. Subsequent rejection.— [An employer rejecting the act after ac ceptance must secure the payment of any compensation due or to become due to employees previously injured.] S ec . 1382. Injuries due to third parties.— [Where the injury is such as to create a legal liability in a third party the injured person, or in case of his death, his legal representative, may both claim compensation and sue such third party, giving notice to the employer of the suit. If the employer pays com pensation he is to be indemnified therefor, and also has a lien against the judg ment for any future payments. If the employee does not sue, the employer may do so, and from the recovery retain a sum equal to past compensation pay ments, plus the present worth of future payments computed on a basis of 6 per cent, the balance, if any. to go to the employee. In case of a settlement, the consent of all parties in interest must be had, and a written notice filed by the employee in the office of the industrial commissioner.] Sec. 1383. Notice of injury.—Unless the employer or his representative shall have actual knowledge of the occurrence of an injury, or unless the employee or some one on his behalf or some of the dependents or some one on their behalf shall give notice thereof to the employer within 15 days after the occurrence of the injury, then no compensation shall be paid until and from the date such notice is given or knowledge obtained; but if such notice is given or knowledge obtained within 30 days from the occurrence of the injury, no want, failure, or inaccuracy of a notice shall be a bar to obtaining compen sation, unless the employer shall show that he was prejudiced thereby, and then only to the extent of such prejudice; but if the employee or beneficiary shall show that his failure to give prior notice was due to mistake, inadvertence, ignorance of fact or law, or inability, or to the fraud, misrepresentation, or deceit of another, or to any other reasonable cause or excuse, then com pensation may be allowed, unless and then to the extent only that the em ployer shall show that he was prejudiced by failure to receive such notice; but unless knowledge is obtained or notice given within 90 days after the oc currence of the injury, no compensation shall be allowed. S e c s . 1384-1386. Form; service; limitation.— [A suggested form of notice is given, but it may be varied. Notice may be served on anyone on whom an original notice in civil causes might be served. Verified returns are required. Proceedings are barred unless begun within two years from date of injury.] S ec . 1387. Surgical and medical services.—In addition to other compensation hereinafter provided for, at the time of the injury and thereafter during the TEXT OF LAWS— IOWA 209 disability, but not exceeding four weeks of incapacity, the employer, if so re quested by the employee, or anyone for him, or if so ordered by the court or industrial commissioner, shall furnish reasonable surgical, medical, and hos pital services and supplies therefor, or any other appropriate treatment agreed to in writing by the employee rmtf the employer and the insurer, not exceeding $100; but, in exceptional ca.^o>. the employer shall furnish such additional medical, surgical, and hospital services and supplies for such period and in such amount as the industrial commissioner shall order, but in 110 event to exceed $100 for such additional services and supplies. Sec. 1388. Burial expense.—When death ensues from the injury, the em ployer shall pay the reasonable expenses of burial of such employee, not to exceed $150, which shall be in addition to other compensation or any other benefit provided for in this chapter. Sec. 1389. Liability of employer in case of death and no dependents.—When the injury causes death of an employee who leaves no dependents, then the employer shall pay the reasonable expense of the employee's last sickness, if any, and the expense of burial, as provided in the last two preceding sections, and this shall be the only compensation: Provided, that if from the date of the injury to the date of the death any weekly compensation shall have become due and unpaid up to the time of the death, the same shall be payable to the estate of the deceased employee. Sec. 1390. Basis of compensation.—In all cases where an employee receives a personal injury for which compensation other than for medical, surgical, and hospital services and burial expenses, is payable, such compensation shall be upon the basis of 60 per cent per week of the average weekly earnings but not to exceed $15 nor less than $6 per week, except if at the time of his injury his earnings are less than $6 per week, then he shall receive in weekly payments a sum equal to the full amount of his weekly earnings. Sec. 1391. Time of payments.—Compensation payments shall be made each week beginning on the 22d day after the injury, and each week thereafter dur ing the period for which compensation is payable, and if nor paid when due, there shall be added to such weekly compensation payments interest at 6 per cent from date of maturity. Sec. 1392. Compensation in death cases; dependents; aliens.—1. When death results from the injury, the employer shall pay the dependents who were wholly dependent on the earnings of the employee for support at the time of his injury, the weekly compensation for a period of 300 weeks from the date of his injury. 2. When the injury causes the death of a minor employee whose earnings wore received by the parent, the compensation to be paid such parent shall be two-thirds the weekly compensation for an adult with like earnings. 3. If the employee leaves dependents only partially dependent upon his earnings for support at the time of the injury, the weekly compensation to be paid as aforesaid, shall be equal to the same proportion of the weekly payments for the benefit of persons wholly dependent as the amount contributed by the employee to such partial dependents bears to the annual earnings of the deceased at the time of the injury. 4. When weekly compensation has been paid to an injured employee prior to his death, the compensation to dependents shall run from the date to which compensation was fully paid to such employee, but shall not continue for more than 300 weeks from the date of the injury. 5. Where an employee is entitled to compensation under this chapter for an injury received, and death ensues from any cause not resulting from the injury for which he was entitled to the compensation, payments of the unpaid balance for such injury shall cease and all liability therefor shall terminate. 6. Except as otherwise provided by treaty, whenever, under the provisions of thi.s and the two following chapters, compensation is payable to a dependent who is an alien not residing in the United States at the time of the injury, the employer shall pay 50 per cent of the compensation herein otherwise provided to such dependent, and the other 50 per cent shall be paid into the State treasury. But if the nonresident alien is a citizen of a government having a compensation law which excludes citizens of the United States, either resident or nonresident, from partaking of the benefits of such law in as favorable degree as herein extended to the nonresident alien, then said compensation which would otherwise be payable to such dependant shall be paid into the 8tate treasury. 210 WORKMEN’ S COMPENSATION LAWS— UNITED STATES Sec. 1393. Waiting time.—Except as to injuries resulting in )>ermanent par tial disability, compensation shall begin on the fifteenth day of disability after the injury. If the period of incapacity extends beyond the thirty-fifth day following the date of injury, then the compensation for the fifth week shall be increased by adding thereto an amount equal to iwo-thirds of one week of compensation. If the period of incapacity extends beyond the forty-second day following the date of injury, then the compensation for the sixth week shall be increased by adding thereto an amount equal to two-thirds of one week of compensation. If the period of incapacity extends beyond the forty-ninth day following the date of injury, then the compensation for the seventh week shall be in creased by adding thereto an amount equal to two-thirds of one week of com pensation. If the period of incapacity extends beyond the forty-ninth day following the date of injury, then the compensation therafter shall be only the weekly com pensation. Sec. 1394. Temporary disability.—For injury producing temporary disability, and beginning on the fifteenth day thereof, the employer shall pay the weekly compensation during the period of such disability, but not exceeding 300 weeks, including the periodical increase in cases to which the preceding section applies. Sec. 1395. Permanent total disability.—For an injury causing permanent total disability, the employer shall pay the weekly compensation during the period of his disability, not, however, beyond 400 weeks. Sec. 1390. Schedule.—Compensation for permanent partial disability shall begin at the date of injury and shall be based upon the extent of such dis ability, and for all cases of permanent partial disability included in the fol lowing schedule compensation shall be paid as follows: 1. For the loss of a thumb, weekly compensation during 40 weeks. 2. For the loss of a first finger, commonly called the index finger, weekly compensation during 30 weeks. 3. For the loss of a second finger, weekly compensation during 25 weeks. 4. For the loss of a third finger, weekly compensation during 20 weeks. 5. For the loss of a fourth finger, commonly called the little finger, weekly compensation during 15 weeks. 0. The loss of the first or distal phalange of the thumb or of any finger shall equal the loss of one-half of such thumb or finger and compensation shall be one-half of the time for the loss of such thumb or finger. 7. The loss of more than one phalange shall equal the loss of the entire finger or thumb. 8. For the loss of a great toe, weekly compensation during 25 weeks. 9. For the loss of one of the toes other than the great toe, weekly compensa tion during 15 weeks. 10. The loss of the first phalange of any toe, shall equal the loss of one-half of such toe aud the compensation shall be one-half of the time provided for the loss of such toe. .11. The loss of more than one phalange shall equal the loss of the entire toe. 12. For the loss of a hand, weekly compensation during 150 weeks. 13. The loss of two-thirds of that part of an arm between the shoulder joint and the elbow joint shall equal the loss of an arm and the compensation there for shall be weekly compensation during 225 weeks. 14. For the loss of a foot, weekly compensation during 125 weeks. 15. The loss of two-thirds of that part of a leg between the hip joint and the knee joint shall equal the loss of a leg, and the compensation therefor shall be weekly compensation during 200 weeks. 16. For the loss of an eye, weekly compensation during 100 weeks. 17. For the loss of an eye, the other eye having been lost prior to the in jury, weekly compensation during 200 weeks. 18. For the loss of hearing in one ear, weekly compensation during 50 weeks, and for the loss of hearing in both ears, weekly compensation during 150 weeks. 19. The loss of both arms, or both hands, or both feet, or both legs, or.both eyes, or of any two thereof, caused by a single accident, shall equal permanent total disability, to be compensated as such. 20. In all other cases of permanent partial disability, the condensation shall bear such relation to the periods of compensation stated in the above schedule as the disability bears to those produced by the injuries named in the schedule. TEXT OF LAWS— IOWA . 211 Sec. 1397. Basis of computation.— 1 Compensation shall be computed on the basis of the annual earnings which the injured person received as salary, wages, or earnings in the employment of the same employer during the year next preceding the injury. 2. Employment by the same employer shall mean in the grade in which the employee was employed at the time of the accident, uninterrupted by absence from work due to illness or any other unavoidable cause. 3. The annual earnings, if not otherwise determinable, shall be three hun dred times the average daily earnings in such computation. 4. If the injured person has not been engaged in the employment for a full year immediately preceding the accident, the compensation shall be computed according to the annual earnings which persons of the same class in the same or in neighboring employments of the same kind have earned during such period. If this basis of computation is impossible, or should appear to be unreasonable, three hundred times the amount which the injured person earned on an average of those days when he was working during the year next preceding the accident shall be the basis for the computation. 5. In case of injured employees who earn either no wages or less than three hundred times the usual daily wage or earnings of the adult day laborer in the same line of industry o f that locality, the yearly wage shall be reckoned as three hundred times the average daily local wages of the average wage earner in that particular kind or class of work; or if information of that kind is not obtainable, then the class most kindred or similar in the same general employ ment in the same neighborhood. 6. For employees in a business or enterprise which customarily shuts down and ceases operation during a season of each year the number of working days which it is the custom of such business or enterprise to operate each year instead of 300 shall be the basis for computing the annual earnings; but the minimum number of days which shall be used as a basis for the year’s work shall not be less than 200. 7. Earnings, for the purpose of this section shall be based on the earnings for the number of hours commonly regarded as a day's work for that employ ment and shall exclude overtime earnings. The earnings shall not include any sum which the employer has been accustomed to pay the employee to cover any special expense entailed on him by the nature of the employment. 8. In computing the compensation to be paid to any employee who, before the accident for which he claims compensation, was disabled and drawing compensation under the provisions of this chapter the compensation for each subsequent injury shall be apportioned according to the proportion of disability caused by the respective injuries which he shall have suffered. Sue. 1398. Employees' contributions.—The compensation herein provided shall be the measure of liability which the employer has assumed for injuries or death that may occur to employees in his employment subject to the provisions of this chapter, and it shall not be in any wise reduced by contribution from employees or donations from any source. Sec. 1399. Examination of injured employees.—After an injury the employee, if so requested by his employer, shall submit himself for examination at some reasonable time and place within the State and as often as may be reasonably requested, to a physician or physicians authorized to practice under the laws of this State, without cost to the employee; but if the employee requests, he shall, at his own cost, be entitled to have a physician or physicians of his own selection present to participate in such examination. The refusal of the em ployee to submit to such examination shall deprive him of the right to any compensation for the period of such refusal. When a right of compensation is thus suspended, no compensation shall be payable for the period of sus pension. Sec. 1400. Statement of earnings.—The employer shall furnish, upon request of an injured employee or dependent or any legal representative acting for such person, a statement of the earnings, wages, or salary and other matters relating thereto during the year or part of the year that such employee was in the employment of such employer for the year preceding the injury; but not more than one report shall be required on account of any one injury. S ec . 1401. Penalty.—On failure of the employer to furnish such statement of earnings for 30 days after receiving written request therefor from an in jured employee, his agent, attorney, dependent, or legal representative, such employer shall pay a penalty of $25 for each offense to be collected by the commissioner in any court having jurisdiction and paid into the State treasury. 212 w o r k m e n 's COMPENSATION LAWS---- UNITED STATES Sec. 1402. Persons eonc!a nicely presumed wholly dependent.—The following shall be conclusively presumed to be wholly dependent upon the deceased employee: 1. The surviving spouse, with the following exceptions: (а) When it is shown that at the time of the injury the surviving spouse had willfully deserted deceased without fault of the deceased, then such sur vivor sliail not be considered as dependent in any degree. (б) When the surviving spouse was not married to the deceased at the time of the injury. (c) When the deceased leaves no dependent children and the surviving spouse remarries, then all compensation shall cease on the date of such marriage. 2. A child or children under 16 years age, and over said age if physically or mentally incapacitated from earning, whether actually dependent for support or not upon the parent at the time of his or her death. An adopted child or children or stepchild or stepchildren shall be regarded the same as issue of the body. ;j. A parent of a minor who is receiving the earnings of the employee at the time when the injury occurred. Step-parents shall be regarded as parents. S ec. 1403. Payment to spouse.—If the deceased employee leaves a surviving spouse, the full compensation shall be paid to her or him, subject to the ex ceptions in the preceding section. If the spouse dies before full payment, the balance shall be paid to the person or persons wholly dependent on deceased, if any, share and share alike. 11* there are none wholly dependent, then such balance shall be paid to partial dependents, if any, in proportion to their dependency. Sec. 1404. Actual dependents.—In all other cases, questions of dependency in whole or in part shall be determined in accordance with the facts as of the date of the injury; and in such other cases if there is more than one person wholly dependent, the death benefit shall be equally divided among them. If there is no one wholly dependent and more than one person partially dependent, the death benefit shall be divided among them in the proportion each dependency bears to their aggregate dependency. Sec. 1405. Lump sums.—Future payments of compensation may be com muted to a present-worth lump-sum payment on the following conditions: 1. When the period during which compensation is payable can be definitely determined. 2. When the written approval of such commutation by the industrial com missioner has been filed in the proceedings to commute. 3. When it shall be shown to the satisfaction of the court or a judge thereof that such commutation will be for the best interest of the person or persons entitled to the compensation, or that periodical payments as compared with a lump-sum payment will entail undue expense, hardship, or inconvenience upon the employer liable therefor. S f.c s . 1406-1408. Commutation proceedings.— [Commutation may be had on petition to the district court or a judge thereof, with notice to the opposite party; or by agreement approved by the industrial commissioner. Present worth shall be calculated on a basis of 5 per cent interest per annum. Partial commutation may be made, with provision for weekly payment of the portion not commuted. 1 S ecs . 1400, 1410. Trustees.— [T ru stees m a y be appointed fo r m inors and m ental incom petents, to receive and expend benefits under this c h a p te r ; such trustees m ust m ake ann ual reports to the court as to their transactions, and sh all be paid such com pensation by the county as the court m ay d irect.] S ecs . 1411-1413. Nonresident aliens.— [Consular officers or agents, or a representative resident in the State, is to be regarded as the exclusive repre sentative of alien dependents residing outside the United States. On filing credentials in the district court, such officer or representative shall be ap pointed trustee for such dependents; and on filing credentials with the industrial commissioner he shall notify such officer or representative of the death of all employees leaving alien dependents, so far as the same comes to his knowledge.] S ec . 1414. Payment of premiums by employees.— [No device by which employees pay any premium for insurance is valid, and employers withholding wages for such puiDose are guilty of a misdemeanor.] TEXT OF LAWS— IOWA 213 S ec . 1415. Waivers.—No employee or dependent to whom this chapter applies, shall have power to waive any of the provisions of this chapter in regard to the amount of compensation which may be payable to such employee or de pendent hereunder. S ec . 1416. Agreements.—Any contract or agreement made by any employer or his agent or attorney with any employee or any other dependent under the provisions of this chapter within 12 days after the injury shall be pre sumed to be fraudulent. S ec . 1417. Interstate and intrastate commerce.—So far as permitted, or not forbidden, by any act of Congress, employers engaged in interstate or foreign commcrce and their employees working only in this State shall be bound by the provisions of this chapter in like manner and with the same force and effect in every respect as by this chapter provided for other employers and employees. Sec. 1418. Public employees.—All valid claims now due or which may here after become due employees of the State under the provisions of this chapter shall be paid out of any funds in the State treasury not otherwise appropriated. S ecs . 1419, 1420. Warrant to issue.— [The auditor of the State must issue warrants for compensation awarded State employees under this chapter, and the approval of the board of audit is not required.] S ec . 1421. Definitions.—In this and chapters 71 and 72, unless the context otherwise requires, the following definitions of terms shall prevail: 1. “ Emploj'er ” includes and applies to any person, firm, association, or cor poration, State, county, municipal corporation, city under special charter and under commission form of government, school district, and the legal representa tives of a deceased employer. 2. “ Workman” or “ employee” means a person who has entered into the employment of, or works under contract of service, express or implied, or apprenticeship, for an employer, except as hereinafter specified. 3. The following i>ersons shall not be deemed “ workmen ” or “ employees ” : (a) A person whose employment is purely casual and not for the purpose of the employer’s trade or business. (b) A person engaged in clerical work only, but clerical work shall not in clude any one who may be subject to the hazards of the business. (c) An independent contractor. (<Z) A person holding an official position, or standing in a representative capacity of the employer, or an official elected or appointed by the State, county, school district, municipal corporation, city under special charter or commission form of government. 4. The term “ workman ” or “ employee ” shall include the singular and plural of both sexes. Any reference to a workman or employee who has been injured shall, when such workman or employee is dead, include his dependents as herein defined or his legal representatives; and where the workman or employee is a minor or incompetent, it shall include his guardian, next friend, or trustee. 5. The words “ injury ” or “ personal injury ” shall be construed as follows: (a) They shall include death resulting from personal injury. ( b) They shall not include injury caused by the willful act of a third person directed against an employee for reasons personal to such employee, or because of his employment. (c) They shall not include a disease unless it shall result from the injury. 6. The words “ personal injury arising out of and in the course of the em ployment” shall include injuries to employees whose services are being per formed on, in, or about the premises which are occupied, used, or controlled by the employer, and also injuries to those who are engaged elsewhere in places where their employer’s business requires their presence and subjects them to dangers incident to the business. 7. The word “ court ” wherever used in this and the two succeeding chapters, unless the context shows otherwise, shall be taken to mean the district court. Sec. 1422. Peace officers.—Any policeman (except those pensioned under the policemen’s pension fund created by law), any sheriff, marshal, constable, and any and all of thedr deputies, and any and all other such legally appointed or elected law-enforcing officers, who shall, while in line of duty or from causes arising out of or sustained while in the course of their official employ ment. meaning while in the act of making or attempting to make an arrest or giving pursuit, or while performing such official duties where there is peril 214 WOKKMEn’ s COMPENSATION LAWS— UNITED STATES or hazard peculiar to the work of their office, be killed outright, or become temporarily or permanently physically disabled, or if said disability result in death, shall be entitled to compensation, the same to be paid out of the general funds of the State for all such injuries or disability. Where death occurs, compensation shall be paid to Ihe dependents of the officer, as in other compensation cases. Such compensation shall be the maxi mum allowed in compensation cases. The industrial commissioner shall have jurisdiction as in other cases. S e c s . 1423-1432. Industrial commissioner.— [The governor is to appoint an industrial commissioner for a term of six years, who shall appoint a deputy to serve during his pleasure, and to have all the powers and perform all the duties of the commissioner in his absence or disability. The commissioner may not be financially interested in any business enterprise coming under or affected by this chapter during his term of office. He is charged with admin* istering the compensation law and the law relating to compensation liability insurance, and to make and enforce necessary rules and regulations to that end. He presides as chairman on boards of arbitration and keeps a record of all proceedings and decisions, and may issue subpoenas, administer oaths, and examine books and records. A biennial report to the governor is directed.] Secs. 1433-1435. Records; reports of injuries.— [Employers are required to keep a record of injuries causiug disability for more than one day, and report the same in writing to the industrial commissioner on blanks to be procured from him. Such report is to be made within 48 hours after knowledge of the occurrence, and on the termination of disability a supplemental report is to be made. If the disability continues beyond 60 days a report is then to be made and a final report on termination.] Sec. 1436. Agreements.— [Agreements between employers and employees are to bo filed with the industrial commissioner, and if not disapproved by him within 20 days they become enforceable for all purposes except as otherwise provided in this act. A minor or iiLs trustee may make such agreement and give a valid and binding release for compensation paid.] S ecs . 1437-1446. Arbitration.— [In case of failure of the parties to agree, either party may request the appointment of a board of arbitration. On the receipt of such request the commissioner notifies each party to name a mem ber, he himself or his deputy being the third, who shall act as chairman; or if either party fails to name an arbitrator within the time fixed, the com missioner may appoint one. Arbitrators take an oath to perform their duties impartially, and are authorized to make inquiries and hear evidence, applying liberal rules, not being bound by common law, by legal or technical requirements as to procedure. If a party or the parties desire, they may employ a short hand reporter to be appointed by the commission, the expense to be taxed with other costs. Provision is made for transcripts of the evidence, and the taking of depositions. District courts may enforce by proper proceedings the attendance of witnesses and the giving of evidence. Findings of the board of arbitration, with a statement of evidence submitted and findings of fact, rulings of law, and other pertinent matters shall be filed with the industrial commissioner.] S ecs . 1447-1460. Reviews and appeals.— [Any party aggrieved by the deci sion or findings of a board of arbitrators may within 10 days thereafter file a petition for review with the industrial commissioner, who shall there upon fix a hearing at which the evidence will be considered, with additional evidence, if offered. Notice of such additional evidence must be given the opposite party or his attorney five days in advance. The commissioner may affirm, modify, or reverse a decision, or remand it to the board of arbitration. The findings must be in writing, stating findings of fact and conclusions of law. Appeal may be taken within 30 days to a district court, the commis sioner, on notice, to furnish a transcript of all documents in the case. Such an appeal has precedence on the docket over all other civil business; only matters of law can be considered, findings of fact being conclusive in the absence of fraud. The order of the industrial commissioner may be modified, reversed, or set aside if the commissioner acted without or in excess of his powers, if the order or decree was procured by fraud, or if it is not supported by the facts found, or if there is not sufficient competent evidence in the j record to warrant such order or decision. In such case the court may remand TEXT or LAWS— IOWA 215 the ease for further proceedings or may enter the proper judgment. No costs except filing and transcript fees shall be charged so far as clerks are concerned, the taxation cost being in the discretion of the court. An appeal may be taken from the district court to the supreme court, to be dockcted and submitted in the same time and manner as criminal cases. Any award or agreement of continuing payments may be reviewed by the industrial commissioner at the request of either party, and if the condition of an employee warrants a change, he may end, diminish, or increase the compensation. Such review will be had 011 i>etition, the commissioner to give notice to the parties in interest as to the time fixed. The place will be at the seat of the government unless by stipulation the hearing is to be else where.] Sec. 1461. Examination hy physician.— [The industrial commissioner may appoint an impartial physician to examine a claimant and make report, allow a fee of $5, or additional amounts in extraordinary cases. Such physician may testify before the commissioner or other body as to the results of his examina tion or the condition of the injured employee.] Secs. 1462-1464. Fees.— [Fees and claims for legal, medical, hospital, and burial services are subject to the approval of the industrial commissioner, and give rise to no lien without such approval. The appointed arbitrators receive fees of $5 each, but additional amounts may be allowed in extraordinary cases. The employer pays such fees but may deduct one-half the sum from any com]>ensation found due the employee. Other costs incurred in hearings before a board of arbitration or the commission shall be taxed in his or its discretion. Witness fees are the same as allowed in the district court.] Secs. 1465, 1466. Judgments on awards.— [On presentation to the district court of the county of a certified copy of an order or decision of the commis sioner or an award of the board or arbitration not appealed from, it shall be filed and judgment entered thereon of the same effect as though rendered in a suit duly heard and determined by said court. If an award is subsequently modified, the judgment of the court shall be modified to conform.] S ecs . 1467-1478. Insurance.— [Employers under the act must give proof of solvency or insure in some approved corporation, association, or organization, evidence of which must be submitted to the commissioner. Employers failing to insure must post a notice to their employees to that effect, failure being a misdemeanor. The commission on compensation reinsurance is limited to 15 per cent of the premium charged. Mutual companies may be formed by groups of employers by themselves or an association of their workmen; also approved schemes of compensation or benefit insurance may be provided in lieu of other provision, but added benefits must be furnished commensurate with any con tributions required of the workmen. Certificates of approval of such schemes or of self-insurers may be withdrawn on notice and hearing if the facts war rant such action. Policies may not provide for a release of insurer in case of the insolvency of the employer, and must contain a provision for direct payment by the insurer to beneficiaries, workmen having a fixed lien upon any amount becoming due on the policy to the employer from the insurance carrier. Notice, knowledge, and jurisdiction on the part of the employer must be accepted as applying to the insurer.] S ec . 1479 (as amended 3925, ch. 162). Five or more employees.—When any employer has more than five persons employed in hazardous employment, excepting the employments recited in the first section of chapter 70, Code, 1924, and such employer has elected to reject the compensation provisions of said chapter, or when any such employer has not rejected the terms and provisions thereof by filing and posting notices as provided in chapter 70, Code, 1924, but has failed to insure his or its liability in one of the ways provided in this chapter, unless relieved from carrying such insurance as provided in the second preceding section, then any such employer's employee who has not rejected the provisions of this chapter, in case of personal injury in the course of, and aris ing out of such employment, shall have the right to elect to collect compensa tion as provided in chapters 70 and 71, Code, 1924, or collect damages at common law as modified by said chapter 70. S e cs . 1480, 1481. Election hy employee.— [The election provided for in the preceding section must be made in writing within 60 days after the receipt of an injury giving rise to a claim for compensation for damages; otherwise it 216 w o r k m e n ’ s COMPENSATION LAWS— UNITED STATES will be conclusively presumed that compensation has been elected. On receipt of notice by the commissioner, he must within five days inform the employer of the election made.] [Other provisions of law give a lien against any railway, interurban railway, * or street-railway corporation or copartnership to secure a judgment or claim for compensation under the Iowa workmen’s compensation act for personal injuries to employees (Code, sec. 5100) ; exempt compensation awards from garnishment, attachment, and execution (Acts of 1923, eh. 20) ; and authorize cities and towns to provide hospital, nursing, and medical attention for members of the police and lire departments, the amounts received by members of such departments under the compensation law to be deducted from the amount paid by such city or town under this authorization.] KANSAS GENERAL STATUTES—1915 Compensation of workmen for injuries S ectio n 5896 (as amended 1917, ch. 226). Compensation, payable, when.— I f in any employment to which this act applies, personal injury by accident arising out of and in the course of employment is caused to a workman, his employer sliall, subject as hereinafter mentioned, be liable to pay compensa tion to the workman in accordance with this act. Save as herein provided no such employer shail be liable for any injury for which compensation is recov erable under this act: Provided, That (a) the employer shall not be liable under this act in respect of any injury which does not disable the workman for a iieriod of at least one week from earning full wages at the work at which he is employed; (b) if it is proved that the injury to the workman results from liis deliberate intention to cause such injury, or from his willful failure to use a guard or protection against accident required pursuant to any statute and provided for him, or a reasonable and proper guard and protection voluntarily furnished him by said employer, or solely from his deliberate breach of statu tory regulations affecting safety of life or limb, or from his intoxication, any compensation in respect to that injury shall be disallowed. Sec. 5897. Fines, etc.—Nothing in this act shall affect the liability of the em ployer or employee to a fine or penalty under any other statute. S ec . 5898. Contractors.— (a) Where any person (in this section referred to as principal) undertakes to execute any work which is a part of his trade or business or which he has contracted to perform and contracts with any other person (in this section referred to as the contractor) for the execution by or under the contractor of the whole or any part of the work undertaken by the principal, the principal shall be liable to pay to any workman employed in the execution of the work any compensation under this act which he would have been liable to pay if that workman had been immediately employed by him; and where compensation is claimed from or proceedings are taken against the principal, then, in the application of this act, references to the principal shall be substituted for references to the employer, except the amount of compensa tion shall be calculated with reference to the earnings of the workman under the employer by whom he is immediately employed, (b) Where the principal is liable to pay compensation under this section, he shall be entitled to in demnity from any person who would have been liable to pay compensation to the workman independently of this section, and shall have a cause of action therefor, (c) Nothing in this section shall be construed as preventing a work man from recovering compensation under this act from the contractor instead of the principal, (d) This section shall not apply to any case where the acci dent occurred elsewhere than on or in, or about the premises on which the principal has undertaken to execute work or which are otherwise under his control or management, or on, in, or about the execution of such work under his control or management, (e) A principal contractor, when sued by a work man of a subcontractor, shall have the right to implead the subcontractor, (f) The principal contractor who pays compensation voluntarily to a workman of a subcontractor shall have the right to recover over against the subcon tractor. Sec. 5899. Injuries by third parties.—Where the injury for which compen sation is payable under this act was caused under circumstances creating a legal liability against some person other than the employer to pay damages in respect thereof, (a) the workman may take proceedings against that person to recover damages and against any person liable to pay compensation under this act for such compensation, but shall not be entitled to recover both dam ages and compensation; and (b) if the workman has recovered compensation under this act, the person by whom the compensation was paid, or any person who has been called on to indemnify him under the section of this act relating 217 218 w o r k m e n 's COMPENSATION LAWS— UNITED STATES to subcontrading, shall be entitled to indemnity from the person so liable to pay damages as aforesaid, and shall be subrogated to the rights of the work man to recover damages therefor. Skc. 5900 (as amended 1917, ch. 226). Scope of 7cur.-—This act shall apply only to employment in the course of the employer's trade or business on, in or about a railway, factory, mine or quarry, electric, building or engineering work, laundry, natural gas plant, county and municipal work, and ail employments wherein a process requiring the use of any dangerous explosive or inflammable materials is carried on, which is conducted for the purpose of business, trade or gain; each of which employments is hereby determined to be especially dan gerous, in which from the nature, conditions or means of prosecution of the work therein, extraordinary risk to the life and limb of the workman engaged lhereiu are inherent, necessary, or substantially unavoidable, and as to each of which employments it is deemed necessary to establish a new system of com pensation for injuries to workmen. This act shall not apply in any case where the accident occurred before this act takes effect, and all rights which have accrued, by reason o f any such accident, at the time of the publication of this act, shall be saved the remedies now existing therefor and the court shall have the same power as to them as if this act had not l>een enacted. Agricultural pursuits and employments incident thereto are hereby declared to be nonhazardous and exempt from the provisions of this act: Provided, That em ployers whose work, trade, or business is not such as described and included in this section of this act, and employers commencing or renewing in this State any work, trade, or business, may elect to come within the provisions of this act by filing with the secretary of state a written statement of election to accept thereunder, and such election shall be effective when so filed, and such election shall continue in effect unless and until such employer thereafter desiring to change his election shall do so by filing a written declaration thereof with the secretary of state, and the employee of any such employer so filing such election shall be included herein unless such employee elects not to come within this act as provided by section ♦ * * [5989], and if the employee of such employer elects not to come within the provisions of this act, as herein provided, such election shall continue in effect unless and until such employee thereafter desiring to change his election shall do so by filing a written declara tion thereof with the secretary of state. S ec . 5901. Interstate commerce.—This act shall not be construed to apply to business or employments which, according to law, are so engaged in interstate commerce as to be not subject to the legislative power of the State, nor to per sons injured while they are so engaged. Sec. 5902. Small employers.—It is hereby determined that the necessity for this law and the reason for its enactment, exist only with regard to employers who employ a considerable number of persons. This act, therefore, shall only apply to employers by whom five or more workmen have been (employed) con tinuously for more than one month at the time of the accident: Provided, hoioevcr, That employers having less than five workmen may elect to come within the provisions of this act in which case his employees shall be included herein, as hereinafter provided: And, provided further, That this act shall apply to mines without regard to the number of workmen employed. S ec . 5908 (as amended 1917, ch. 226). Definitions.—In this act, unless the context otherwise requires, (a) “ Railway” includes street railways and internrbans; and “ employment on railways ” includes work in depots, power houses, roundhouses, machine shops, yards, ahd upon the right of way, and in the operation of its engines, cars, and trains, and to employees of express com panies while running on railroad trains, except as provided in section 5901 of General Statutes of 1915. (b) “ Factory ” means any premises wherein power is used in manufacturing, making, altering, adapting, ornamenting, fin ishing, repairing, or renovating any article or articles for the purpose of trade or gain or of the business carried on therein, including expressly any brickyard, moat-packing house, foundry, smelter, oil refinery, lime-burning plant, steam heating plaut, electric lighting plant, electric power plant, and water power plant, grain elevator, powder plant, blast furnace, paper mill, printing plant, flour mill, glass factory, beet-sugar factory, cement plant, artificial-gas plant, machine or repair shop, salt plant, and chemical manu facturing plant, (c) “ Mine” means any opening in the earth for the purpose of extracting any minerals and all underground workings, slopes, shafts, galleries, and tunnels, and other ways, cuts, and openings connected therewith, including those in the course of being opened, sunk, or driven; and includes TEXT OF LAWS— KANSAS 219 nil the appurtenant structures at or about the openings of the mine and any adjoining adjacent work place where the material from a mine is prepared for use or shipment, (d) “ Quarry ” means any place, not a mine, where stone, slate, day, sand, gravel, or other solid material is dug or otherwise extracted from the earth for the purpose of trade or bargain or of employer’s trade or busi ness. (e) “ Electrical work ” means any kind of work in or directly connected with the construction, installation, operation, alteration, removal, or repair of wires, cables, switchboards, or apparatus used for the tran.-mission of elec trical current or operation of telegraph or telephone lines, (f) “ Building work” means any work in the erection, construction, extension, decoration, alteration, repair, or demolition of any building or structural appurtenances, (g) “ En gineering work” means any work in the construction, alteration, extension, repair, or demolition of a railway (as hereinbefore defined), bridge, jetty, dike, dam, reservoir, underground conduit, pole lines constructed or used for carrying conductors, sewer, oil or gas well, oil tank, gas tank, water tower, or waterworks (including stand pipes or mains), any caisson work or work in artificially compressed air, any work in dredging, pile driving, moving build ings, moving safes, construction and repairing of streets, roads, and high ways, or in laying, repairing, or removing underground pipes and connect:ions; the erection, installing, repairing, or removing of boilers, furnaces, engines, and power machinery (including belting and other connections), and any work in grading or excavating where shoring is necessary or power machinery or blasting powder, dynamite, or other high explosives are in use (excluding mining and quarrying), (h) “ Employer” includes any person or body of per sons, corporate or unincorporate, and the legal representatives of a deceased employer or the receiver or trustee of a person, corporation, association, or lKtrtnership; and when any mine, quarry, factory, or other place covered by the provisions of this act in which work is being or to be performed is leased cr let to any lessee or lessees under any form of contract or agreement other than on a royalty basis, then and in all such cases the lessee or lessees and the lessor or lessors shall be deemed to be operating said mine, quarry, fac to ry, or other place described above as employers jointly, (i) “ Workman ” means any person who has entered into the employment of or works under con tract of service or apprenticeship with an employer, but does not include a person who is employed otherwise than for the purpose of the employer’s trade or business. Any reference to a workman who lias been injured shall where the workman is dead include a reference to his dependents, as herein after defined, or to his legal representatives, or where he is a minor or in competent, to his guardian, (j) “ Dependents” means such members of the workman’s family as were wholly or in part dependent upon the workman at the time of the accident. “ Members of a family,” for the purpose of this act means only widow or husband, as the case may be, and children; or if no widow, husband, or children, then parents or grandparents; or if no parents or grandparents, then grandchildren; or if no grandchildren, then brothel's and sis ters. In the meaning of this section parents include step-parents, children include stepchildren, and grandchildren include step-grandchildren, and brothers and sisters include stepbrothers and stepsisters, and children and parents include that relation by legal adoption. In the meaning of this section a widow shall not be regarded as a dependent of a deceased workman nor as a member of his family if she shall have for more than six months willfully or voluntarily deserted or abandoned him prior to the date of his death; and a husband, whether he be capable of wage earning or not, shall not, within the meaning of this section, be regarded as a dependent of his deceased wife nor as a mem ber of her family if he shall have for more than six months willfully or vol untarily deserted or abandoned her prior to the time of her death, (k) The words “ arising out of and in the course of employment” as used in this act shall not be construed to include injuries to the employee occurring while he is on his way to assume the duties of his employment or after leaving such duties, the approximate cause of which injury is not the employer’s negligence. Sec. 5904. Incompetent persons.—In case an injured workman is mentally incompetent or a minor, or where death results from the injury, in case any of his dependents as herein defined is mentally incompetent or a minor, at the time when any right, privilege, or election accrues to him under this act. his guardian may, in his behalf, claim and exercise such right, privilege, or election, and no limitation of time, in this act provided for, shall run, so long as such incompetent or minor has no guardian. 1965°— 20------ 15 220 w o r k m e n 's COMFEXSATIOX LAWS---- UNITED STATES Skc. 5905 (as amended 1917, ch. 22G). Medical, etc., treatment; schedule of payments.—The amount of compensation under this act shall be: (1) On demand, the employer shall pay the cost, not exceeding $150. of a physician and all such medical, surgical, and hospital treatment, including nursing, medicines, medical and surgical supplies, crutches, and apparatus as may be reasonably necessary for a period of not longer than 50 days, to cure and relieve from the effects of the injury, and in case of the refusal or neglect of the employer to rea sonably do so, the employer shall be liable for the reasonable expenses incurred by or on behalf of the employee in providing the same within the limits as to time and amount hereinbefore expressed: Provided. That no employer shall be liable for any medical, surgical, and hospital treatment, including nursing, medicines, medical and surgical supplies, crutches, and apparatus, nor for any physician’s or surgeon's fees in excess of the amount hereinbefore set forth. (2) (a) If a workman leaves any dependents wholly dependent upon his earnings, a sum equal to three times his average yearly earnings, computed as provided in sec tion * * * [5906], but not exceeding $3,800 and not less than $1,400: Provided, That any payment under this act on account of any injury from which death shall thereafter result, except such payments as may be made under paragraph 1 of this section, shall be deducted from such sum: And pro vided, however, That if the workman does not leave any dependents citizens of and residing at the time of the accident and injury in the United States or the Dominion of Canada, the amount of compensation shall not exceed in any case the sum of $750. (b) If a workman does not leave any such dependents, but leaves dependents in part dependent on his earnings, such proportion of the amount payable under the provisions of paragraph 2 (a) of this section as may be agreed upon or determined to be proportionate to the degree of dependency of the said dependents, (c) If a workman does not leave any dependents, the reasonable expense of his burial, not exceeding $150. (d) Marriage of any dependent shall terminate all compensation of such dependent, but shall not affect the compensation allowed other dependents. When any minor dependent, not physically or mentally incapable of wage earning, shall become 18 years of age, such compensation shall cease. (3) (a) Where total permanent disability results from the injury, no compensation shall be paid during the first week of disability, except that provided in paragraph 1 of this section, but after the expiration of said first week, payment shall be made as provided in section 5907 of the General Statutes of 1915 during such permanent total disability of a sum equal to 60 per cent of the average weekly earnings of the injured work man, computed as provided in section * * * [5906]. but in no case less than $6 per week nor more than $15 per week. The payment of compensation for total permanent disability shall not extend over a period exceeding eight years from the date of injury. Loss of both eyes, both hands, both arms, both feet, or both legs shall, in the absence of proof to the contrary, constitute total permanent disability. Substantially total paralysis, or incurable imbecility or insanity, resulting from an injury independent of all other causes, shall consti tute total permanent disability. In all other cases total permanent disability shall be determined in accordance with the facts, (b) Where temporary total dis ability results from the injury no compensation shall be paid during the first week of disability, except that provided in paragraph 1 of this section, but after the expiration of said first week payment shall be made in accordance with the provisions of section 5907 of the General Statutes of 1915, during such tempo rary total disability, of a sum equal to 60 per cent of the average weekly earn ings of the injured workman, computed as provided in section * * * [5906], but in no case less than $6 per week nor more than $15 per week: Provided, That if such temporary total disability is followed by a permanent partial disability resulting from the injury, payment for such permanent partial disability shall be made as provided in clause (c) of this paragraph of this section, (c) Where disability, partial in character but permanent in quality, results from the injury, the injured workman shall be entitled to the compensa tion provided in paragraph 1 of this section, but shall not be entitled to any other or further compensation for or during the first week following the injury. Thereafter, compensation in a lump sum shall be paid as provided in the fol lowing schedule, the average weekly wages to be computed as provided in sec tion * * * [5906], and the compensation to be in no case loss than $6 per week nor more thnn $12 per week. (1) For the loss of a thumb, 50 per cent of the average weekly wages during 60 weeks. TEXT OP LAWS— KANSAS 221 (2) For the loss of a first finger, commonly called the index finger. 50 per cent of the average weekly wages during 37 weeks. (3) For the loss of a second finger. 50 per cent of the average weekly wages during 30 weeks. (4) For the loss of a third finger, 50 per cent of the average weekly wages during 20 vrecks. (5) For the loss of a fourth finger, commonly called the little finger, 50 per cent of the average weekly wages during 15 weeks. (6) The loss of the first phalange of the thumb or of any finger shall be considered to be equal to the loss of one-half of such thumb or finger, and the compensation shall be one-half of the amounts specified above. The loss of the first phalange and any part of the second phalange of any finger, which includes the loss of any part of the bone of such second phalange, shall be considered to be equal to the loss of two-thirds of such finger, and the compensation shall be two-thirds of the amount specified above. The loss of the first phalange and any part of the second phalange of the thumb, which includes the loss of any part of the bone of such second phalange, shall be considered to be equal to the loss of the entire thumb. The loss of tlie first and second phklanges and any part of the third proximal phalanges of any finger, which includes loss of any part of the bone of the third or proximal phalange, shall be considered as the loss of the entire finger. (7) For the loss of a great toe, 50 per cent of the average weekly wages during 30 weeks. (8) For the loss of any other toe than the great toe, 50 per cent of the average weekly wages during 10 weeks. (9) The loss of the first phalange of any toe shall be considered to bo equal to the loss of one-half of such toe, and the compensation shall bo onelialf of the amounts above specified. (10) The loss of more than one phalange of a toe shall be considered to be equal to the loss of the entire toe. (11) For the loss of a hand, 50 per cent of the average weekly wages during 150 weeks. (12) For the loss of an arm, 50 per cent of the average weekly wages during 210 weeks. (13) For the loss of a foot, 50 per cent of the average weekly wagrs during 125 weeks. (14) For the loss of a leg, 50 per cent of the average weekly wages during 200 weeks. (15) For the loss of an eye, or the complete loss of the sight thereof, 50 per cent of the average weekly wages during 110 weeks. (1.6) Amputation or severance between elbow and wrist shall be considered as the loss of a hand. Amputation at or above the elbow shall be considered as the loss of an arm. Amputation between knee and ankle shall be considered as the loss of a foot. Amputation at or above the knee shall be considered as the loss of a leg. (17) For the complete loss of hearing of both ears, 50 per cent of the average weekly wages during 100 weeks. (18) For the complete loss of hearing of one ear, 50 per cent of the average weekly wages during 25 weeks. (19) Should the employer and employee be unable to agree upon the amount of compensation to be paid in any case of injury not covered by the schedule, the amount of compensation shall be settled according to the provisions of this act as in other cases of disagreement: Provided, however, In case of partial disability not covered by schedule the workman shall receive during such period of partial disability not exceeding eight years, 60 per cent of the differ ence between the amount he was earning prior to said injury as in this act provided and the amount he is able to earn after such injury. (20) If a workman has received an injury for which compensation is being paid him, and his death is caused by other and independent causes, any pay ments of compensation already due him at the time of his death and then unpaid, shall be paid to his dependents direct, or to his legal representatives if he left no dependents, but the liability of the employer for payments of com pensation not yet due and payable at the time of the death of such workman shall cease and be abrogated by his death. (21) If a workman has suffered a previous disability and receives a later Injury, the effects of which together with the previous disability shall result in total permanent disability, then and in that event the compensation due said 222 w o r k m e n ’ s c o m p e n s a tio n LAWS— UNITED STATES workman shall be the difference between the amount provided in the schedule of this section for his prior injury and the total sum which would be due said employee for such total disability computed as provided in section * * * [5906], but in 110 case less than $6 per week nor more than $15 per week. (22) Permanent loss of the use of a hand, arm, foot, leg, or eye, as a direct result of an injury, shall be considered as the equivalent of the loss of such band, arm, foot, leg, or eye. (23) The compensation for the foregoing specific injuries shall be in lieu of all other compensation, except the benefits provided in paragraph 1 of this section. Where the said minor or his dependents are entitled to compensation under the provisions of this act, such compensation shall be exclusive of all other remedies or causes of action for such injury or death, and no claim or cause of action shall inure or accrue to, or exist in favor of the parent or parents of such minor employee on account of any damage resulting to such parent or parents on account of the loss of earnings or loss of service of such minor employee resulting from or growing out of the injury to or death of such minor employee. In any case of injury to or death of a female employee, where the said female employee or her dependents are entitled to compensation under the provisions of this act, such compensation shall be exclusive of all other remedies or causes of action for such injury or death, and no claim of action shall inure or accrue to or exist in favor of the surviving husband or any relative or next of kin of such female employee on account of any damage resulting to such surviving husband or any relative or next of kin on account of the loss of earnings, services, or society of such female employee or on any other account resulting from or growing out of the injury or death of such female employee. Sec. 5906 (as amended 1917, ch. 226). Earnings computed, hoic.—The aver age annual earnings of a workman shall, for the purpose of the provisions of this act, be computed as follows: (a) Where the workman has been continu ously employed by the same employer for one year or longer, the actual amount of money paid by the employer to the employee as wages or remuneration for his services during the year immediately preceding the injury, undiminished by loss due to absence from work on account of illness or other unavoidable cause, (b) Where the workman has been employed less than one year by the employer in whose employ he received the injury, fifty-two times the average weekly amount which, during the 12 months immediately preceding the acci dent, was being earned by a person in the same grade employed at the same work by the same employer, undiminished by loss due to absence from work on account of illness or other unavoidable cause; and If there is no person in the same grade employed at the same work by the same employer, then fifty-two times the average weekly earnings of a person in the same grade employed by the same or other employer in the same district at the same or similar work or employment, (c) Where the workman had entered into con current contracts of service with two or more employers under which he worked at one time for one such employer and at another time for another such employer, his average annual earnings shall be computed as if his earn ings under all such contracts were earnings in the employment of the em ployer for whom he was working at the time of the injury, (d) Where the employer has been accustomed to pay to the workman a sum to cover any special expenses entailed upon him by the nature of his employment, the sums so paid shall not be reckoned as part of the earnings of the workman; nor shall tips or gratuities received from the employer or other persons be con sidered or included as part of the workman's earnings, but reasonable value of board, rent, housing, lodging, fuel, or other similar advantages received from the employer as a part of remuneration of the employee and the value of which can be estimated in money, shall be considered and included as part of the workman's earnings, (e) If arbitration or litigation is necessary to establish the amount of compensation, credit shall be given to the employer by the arbitrator, arbitration committee or court for any amounts paid under this act prior to the date of the award or prior to the trial and judgment. 2. The average weekly wages of a workman shall be one fifty-second part of his average annual earnings computed as provided by paragraph 1 of this section. 3. In computing average earnings of a workman under the preceding para graphs of this section regard shall be fead to the earnings for what is com monly regarded as a day's work or a week's work for the employment on which the average earnings are calculated. TEXT OP LAWS— KANSAS 223 4. If a workman has suffered a previous disability and receives a later injury, his average earnings used as a basis for the compensation for such later injury shall be such amount as will reasonably represent his earning capacity at the time of the later injury in the employment at which he was working at such time. Sec. 5907. Payments.—The payments shall be made at the same time, place, and in the same manner as the wages of the workman were payable at the time of the accident, but a judge of any district court having jurisdiction upon the application of either party may modify such regulation in a particu lar case as to him may seem just. Sec. 5908. Payments to dependents.—Where death results from the injury and the dependents of the deceased workman, as herein defined, have agreed to accept compensation, and the amount of such compensation and the appor tionment thereof between them has been agreed to or otherwise determined, the employer may pay such compensation to them accordingly (or to an administrator if one be appointed) and thereupon be discharged from all fur ther liability for the injury. Where only the apportionment of the agreed compensation between the dependents is not agreed to, the employer may pay the amount into any district court having jurisdiction, or to the administrator of the deceased workman, with the same effect. Where the compensation has been so paid into court or to an administrator, the proper court, upon the petition of such administrator or any of such dependents, and upon such notice and proof as it may order shall determine the distribution thereof among such dependents. Where there are no dependents, medical and funeral expenses may be paid and distributed in like manner. S ec . 5909 (as amended 3917, ch. 226). Payments exempt from execution, etc.—No claim for compensation, or compensation agreed upon, awarded, ad judged, or paid, shall be assignable or subject to levy, execution, attachment, garnishment, or any other remedy or procedure for the recovery or collection of a debt, and this exemption can not be waived S ec . 5910. [Repealed 1917, ch. 226.] S ecs . 5911 (as amended 1917, ch. 226), 5912, 5918-5915 (as amended 1917, ch. 226). Medical examinations.— [An injured workman must submit at reason able times and places to examination by a physician selected by his employer, but not oftener than once in four weeks, unless ordered by a judge of the district court. The employee may have a physician selected and paid by him in attendance, and unless such physician has a reasonable opportunity to participate in the examination in the presence of the employer's physician, the latter will not be permitted to give evidence as to matters in dispute. Either party may require a report of any examination made by a physician employed by the other on the payment of $1. A special examination may bo made by a neutral physician at the instance of a committee, arbitrator, or judge hearing a dispute, on petition of either or both parties, and at their expense. Refus ing, obstructing, or preventing examination suspends compensation for such period of refusal, etc. Reports of physicians must be supported in any court proceedings by their testimony.] Secs. 5916, 5917-5919 (as amended 1917, ch. 226), 5920, 5921-5928 (as amended 1917, ch. 226). Procedure.— [Notice of an accident must be given within 10 days thereafter, and claim for compensation within 8 months, or, if fatal, within 6 months. Delivery must be personal or by registered mail. Want of or defect in notice or in service is not a bar in the absence of actual prejudice to the employer, nor if occasioned by a mistake, incapacity, or other reasonable cause; failure to make a claim within the specified time is a bar, except that the limitation does not run during any period of incapacity. Com pensation may be settled by agreement, but if not, a committee, representative of the parties and organized for the purpose, may act, or arbitrators elected by it, in the absence of objection by either party. I f there be no such com mittee, or objection is made, or the reference is not determined within 60 days, a single arbitrator agreed on by the judge of a court may act. A committee or arbitrator is not bound by technical rules of procedure, but must act reason ably and without partiality. The finding is to be filed in the office of the clerk of the proper district court within 60 days after the committee meets or the arbitrator is elected, though the parties may agree in writing to extend the time. If not so filed, the court may order an award to be filed within 10 days. Arbitrator’s fees are to be fixed by the consent to agreement entered into by the parties, or if not, shall not exceed $10 per day for not more than 10 days, 224 w o r k m e n 's COMPENSATION T-AWS----UNITED st a te s with expenses. Costs aiv to l>e taxed or apportioned in the discretion of the arbitrator. Awards «re to be in writing, with specified amounts due and unpaid, and tlie amounts to be paid subsequently. No lump sum may be awarded except of amounts in arrears. Any award may be modified by subsequent written agreement of the parties, but such modifications will not be valid as against the workman unless filed in the office of the clerk of the district court within 60 days after their execution. Final receipts are to be acknowledged and verified bv the workman and filed with the court as above. Review may be had at any time before the final payment of the applica tion of either party, at which time the court may appoint physicians or surgeons to examine the workman and report. It shall hear all competent evidence, and if action in excess of power, or obtained by fraud is discovered, or if the award is grossly excessive or inadequate, or the condition of the workman has changed, the court may modify the award according to its findings; or if it appears that the workman is earning an equal or greater income, or has absented himself from reasonable examination by a physician or has gone outside the United States or the Dominion of Canada,