Document JJ69J1oO5GYJ2XMDBE4mv0eXB

FILE NAME: Insurance Industry (INS) DATE: 1934 Nov 22 DOC#: INS044 DOCUMENT DESCRIPTION: Article from The National Underwriter - Idea of Compensation Being Confused with Social Relief THE NATIONAL UNDERW RITER November 2**,!i Nove Idea of Compensation Being Compensation Claim Check* Confused with Social Relief Sent, to Some by Lloyd. " * DANGEROUS TENDENCY NOTED HOLD UP OTHERS FOR APP**1 re Public Big M anageC ^'E o& rtson Jones High Court to Pass [ ualty & Surety ExecutivesTAsso- of N ew York Cit ciation Addresses Founders erence Statute If The chief trouble with workmen's NEW YORK, Nov. 2 1 .-C h jA ^ : has cost :h cannot compensation insurance today is that it smeettnle'smecnomt opfenasalitmiointedclaniummsbearK ' btedly is has been confused with relief, F. Rob ertson Jones, general manager Associa Lloyds of America, New 1 counsel sty Exec tion of Casualty & Surety Executives, been sent by the liquidation the insurance department 10 . .. t the Chi stated in an address at the annual con of this state. Payment of other.^ e Agents vention of the National Founders Asso which there are a considerab! Mr. Ives ciation in New York City. Employers will be held pending decision in ipany un should be as keenly interested as cas case now before the court (J(S* 56,000,000 ualty .companies in keeping these two as to the constitutionality of tne ince 1922, ideas separate and restricting this ten giving preference in the e v e n t ^ malty and dency to turn the compensation system _u_r__e o_Cf ,,a ,,commnpoefnl csoatf imonn WwrrliUtiUnfgi ^ ihargeable nd ignor- into a universal pension system, he said. He called attention to extension ot to claimants domiciled m w oiH This issue, it will be recalled, was> of insur the compensation principle to occupa bDyV tUhiee adtutuonrnicejyi--fgtveunve.rsa.l. o-f V (M tional diseases and suggested procedure some months ago and the act for highly calculated to make more certain its the calendar for review. k, for ere ``economic incidence." A present dan A preliminary report on m ,i* erstanding HENBT SWIFT IVES, New York City ger is that American industries may be was filed by the liquuiidaaatworas witn No busi forced to pay the bill for the progres county clerk here last Augus ^ ed achieve Henry Swift Ives of N ew York City, sive extension of workmen's compensa of the methods to be followed ^ ions work special counsel for the Association of tion laws to govern a large part of the ing with claims was sent so It reaches Casualty & Surety Executives, returned s and ven- to his old haunts in Chicago this week field covered abroad by health, old age, widows' , and orphans' insurance, upon interested parties and J f 'provii^t and gave an address before the Chicago terms and conditions and at a level _ot tions were made. lh ,,Luffin'* will be followed subject to m Local Agents Association. Mr. Ives is benefit appropriate only for those in by subsequent court ruling. , [ a public a former Chicagoan, having spent a jf casualty number of years there when he was an juries for which trade risks are truly tion to individual claimants tn responsible, but inadequate and imprac government has a number o ^ .T,, narized as official of the old Casualty Information ) fewer re Clearing House. H e formerly resided ticable for application to all conse against the defunct concern unde quences of ill health to which normal of various coverages running o s; (3) fair at S t Paul where he was a newspaper exertions and exposures of work merely lination of man and later served as secretary of contribute. iederal de the Minnesota state tax commission. Notez Dnngerou Tendency cidental injuries, being of .S,0T(Cf}0 <* adequate "To impose upon industry the obliga tion, in the case of silicosis . - fety meas- tion to insure infirm or ailing employes 30 years exposure. Occupation*^ To reach Plans Are Announed for ust be en against the consequences to them of all eases may be progressive a man may leave hazardous occ y< unusual or expected, as distinguished es, branch Casualty Actuarial Rally from accidental, occurrences and expo and years later be disab ed from * s, lawyers, ;, actuaries, The Casualty Actuarial Society will sures of work, with cash benefits at the rate for life or long years, of two-thirds ease contracted previously. A factor is the possible Sp .. ^ ^ :s, agents, hold its annual meeting at the Hotel of the full time wages of capable work disposition or susceptibi'^national dividual workman to an occupa ^ j / ar with his New Yorker, New York, Nov. 22-23. Paul Dorweiler is president. Addresses ers, plus long term pensions to thenwidows, orphans and other dependents, ease. Should industry on ^ r insurance in, whereas will be made the first day by Dr. I. M. Rubinow, who was the first president of plus unlimited medical benefits at the discretion of attending physicians, has compensation, Mr. Jones as exposure to the hazardous : principles, the organization; G. F. Michelbacher, never been conceived to be a purpose was short. Another problem industry should cpmpensa . * ( apathetic as in do great Great American Indemnity, a former president; T. O. Carlson and Dr. J. 1. of the compensation law or to be eco nomically practicable," he said. Yet it of fault, for all known oc,c"p* 5llbj*! Bogen, editor of the New York Jour is directly toward that end that our eases and yet leave the workman ^ ^ exploitation in suits for damag attrihs1sri ded nal of Commerce." compensation laws are tending to de injury to health speculatedy ^ siness must lly contacts The 20th anniversary dinner will be held `in the evening. The sectmd day velop." , This trend is along two lines, first re to the employe's failure to ob ^ indefinite requirement imposed . ^ olders and will be given over to discussion, deal ing with recent and probable future lating to injuries by accident and sec ond to occupational disease. Develc- ute. Mr. Jones believes n |onl]i* directly or ions. Coop trends of experience in automobile per ments in many compensation laws of this bility to compensate for occup eases must be exclusive; a , (*i< ness groups sonal injury and property damage lia bility; personal accident and health, ana country have been unprincipled and cha otic, he said. He cited the Illinois"law, liability must be eliminated v (i0, lilt up as a irogram. In fidelity and surety. Richard Fondiller which besides expressly making some injuries to health resulting definite diseases compensable, recently pensable accidents. chiefly must is secretary. was construed in the well known Burns R em oval from W ork letter writ- decision of the Illinois supreme court will do little eral disorganization of such funds both indefinitely to cover others, including It will not be sufficient m ^ y i be repre:ading trade as to service and payment is sure to re silicosis. working conditions. Prc iouj ort* adopted to debar from hazar effort made act unfavorably on workers who must Som e R estriction la Needed pations all persons with p ^ ,^ onfidence of nies do busi depend upon them. Publicity obviously would be an im He said a sound principle is that the only diseases, other than those result or special susceptibihty t0 " |0 <* disease and, generally, p*TMp IJbeii portant factor in any public relations program, but the ordinary press agent ing from occupational accidents, for move workmen from e x p o s u ** first symptoms of such dis n be helpful, a direct con- activities, laudatory cluttering the mails with articles and manufactured which industry owes compensation, are those which originate from risks cre CThedplan of. all-inclusive c o v e r ^ the business ivork. Many propaganda, is not the type of publicity ated by industrial processes as distin guished from ordinary risks of life, inis occupational diseases exhi on<tfii isals can be that Mr. Ives contemplates. is a medical question. Industry should of a few states, he said, is aen ^ er claims, in R eady to O rganize Program not be obliged to compensate for con ing its impracticability and industry an uncertain and pro # npanies have without good Mr Ives said the Association of Cas ualty & Surety Executives for a long sequences of ordinary diseases of hfe, congenital weaknesses, infirmities of old increasing liability which is time has been studying this problem and age, vices or bad habits merely aggra surable nor tolerable. neat appears to be in position now to organ vated or accelerated by ordinary activi has suffered ize and carry on such a program. 1he first requisite is regimentation of all the ties or exposures of work. He raised the question whether dis the antag- National Surety Pl*n NEW YORK, Nov. # lor leaders, man power in the casualty and surety covery of silica fibrosis in lungs of e derly workmen who retire or die from for the reorganization of rea en made by interact this '" m reives stated that undoubtedly the other causes should obligate the em ployer for full compensation. He ex curities guaranteed by the Surety Company has been PP ^ l* p* responsible Association of Casualty & Surety Ex ecutives, having studied the possibility pressed belief that industries could not Judge Coxe of the United S*' ^ trict Court. The reorganiMtHin^# med by the ; compensa- of extending its public relations work stand this burden, but in many cases some rule should be applied to reduce agers announced they had on endency to will have a meeting of company officers i in awards in a short time to put the machinery in compensation to the degree to which the occupational disease contributed to accel excess of $35,000.000 ,, .ir.ffiit'!*'' of outstanding bonds of 20 f1'|f r{ hey are be funds offer motion. He stated that many execu tives feel that this is the time, to be eration of disability or death. Occupational diseases differ from ac- porations, the bonds of which anteed by the National Surety. almost gen- come far more active in this direction. Wt Coi fasuj ] ios Li flic K; 1-Oca Pubi the i orni bad re? r'f it Jon "I high ele< dite who drot he last >c< WCS but ffal 'HCl finn rati tr pi lr lu Iv al