SYSTEM OF SECURING AND COMPILING WORKMEN’S COMPENSATION STATISTICS BY THE WORKMEN’S COMPENSATION SERVICE BUREAU. INDEX Page Accidents: Compensatable. 3 Extra-territorial . 11 Fatal. 18 Method of reporting changed informa¬ tion on. 8 Method of reporting additional informa¬ tion on. 8 Non-tabulatable. 2 Reportable.. 2 Tabulatable.2> 17 Working Machines . 13 “Accident Date” field. 11 Accident Experience . 2 “Adding” fields on punched cards.. 9 Additional Accident Information, method of reporting. 8 Age Group Code. 34 “Age Group” field on cards. 12 Alien Dependents. 22 Allocated Claim Adjusting Expenses 5 Allocation of Contract Medical Pay¬ ments . 4 Allocation of losses to Manual Classi¬ fications . 2 Allocation of payments to depend¬ ents .20, 21 Allocation of payments to injury... 33 All other Compensation Payments. 30 Amputation, Multiple . 14 Analysis of losses. 2 Beneficiaries . 22 Call for Compensation Experience.. 10 “Cause of Injury” field on card.... 13 Cause of Injury Code: Other than working machines . 39 Working machines . 38 Changed Accident Information, method of reporting. 8 This code has been issued as a separate publicati i i 7 Page Chauffeurs’ Compensation Policies. 9 Claim Expenses . 5 “Classification” field. 11 Codes to use. 6 Codes: Age Group. 34 Cause of Injury: Manner of occurrence. 38 Working machine. 38 Other than working machines. 39 Kind of benefit losses. 42 Kind of injury code. 41 Manual classifications* Names of Companies. 6 Nature of Injury: Part 1—Nature. 36 Part 2—Location . 37 Occupational diseases. 43 Per cent, impairment. 34 State . 35 Commuted Payments.16, 17 Company Symbols . 6 Compensatable Accidents. 3 Compensation Experience, method of reporting . 10 “Compensation Paid” field.16, 19 Compensation written on endorse¬ ments . 6 Computed Reserve. 23 Contract Medical . 4 “Contra” Cards . 26 Correlation of Benefits with disabil¬ ities : Method of. 31 Illustrations . 32 Tabulation of hypothetical losses. 33 “Counter” Column (outstanding card) . 23 “Counter” Column (paid on accident card) . 17 “Date of Accident” field on card.... 11 INDEX —Continued Page Date of Report to Bureau. 2 Deductible Average Policies. 5 Deferred Payments . 17 Degree of Impairment, method of averaging . 12 Dependency, extent of. 22 Dependents _•.18, 19 “Dependents” field. 18 “Designating Number” field. 11 Diseases of Occupation. 14 Disfigurement Benefits . 30 Disfigurement Injuries . 28 Dismemberment Benefits. 30 Dismemberment Injury. 28 Distinction between “Kind of Injury” and “Kind of Payment”. 27 Distribution of Injuries into Groups 27 “Duration of Injury” field. 14 Duration of Payments.15, 16 Duration of various disabilities.... 15 Endorsements . 6 Expenses, allocated adjusting. 5 Expenses, medical . 13 Expenses, unallocated . 5 Experience—call for. 10 Experience—date of report. 2 Experience—method of reporting.. 10 Exposure Card . 25 Exposure Experience . 1 Extent of dependency. 22 Extra-territorial accidents. 11 Fatal Accident Cases . 18 “Fatal” Hollerith Cards. 18 Hollerith Cards. 1 Hollerith Tabulating Machine. 1 Hospitals in Plants. 5 Impairment—percent of. 12 Page Kind of Benefits Compensation Losses Code. 42 “Kind of Injury” Code. 41 “Kind of Injury” column. 14 Kind of Injury distinguished from Kind of Payment. 27 “Kind of Payment” column. 16 Liability Payments .5, 31 Losses—Allocation of. 2 Losses—Analysis of . 2 Loss of Use Benefits. 30 Loss of Use Injury . 28 Lump Sum Payments .16, 17 Lump Sum Settlements . 16 Manner of Occurrence code. 38 “Manner of Occurrence” column.... 13 Manual Classifications code. 11 “Marital State” field. 18 Medical Contract. 4 Medical Expenses. 13 “Medical Paid” field on card. 12 Medical—Plant Hospital . 5 Minimum Premiums, method of pro¬ rating . 9 Multiple Amputations . 14 Multiple Injuries (minor) . 4 Names of Companies in Symbols... 6 Nature of Injury Code—Part 1 (Nature) . 36 Nature of Injury Code—Part 2 (Location) . 37 “Nature of Injury” field. 13 New Accident Cases. 8 Non-resident alien dependents. 22 Non-tabulatable accidents . 2 T ' '■ r - . :■ ' ' • ^ -'■' - !): . >: ‘ .Mr- ^W-' ii. . ■ • • • ; ■* * . • . .-. • ; < :••’•■• ' f?» • ,.; ,,'M •'.: ; ::' '' i •■'' . «.t f*> \ to 6 _ ..-. . j. ij ; • ..n %.- - '** - : ** • ■ . . r !U-V -V M — ■ • i:' | r :. :>i >: {i,i-lr.*JrT ' ■" — ; i > ♦*’ ■ b."v.' b Jt4sU* . .1 ■. ,r-'v~- ■ ■■ -’' $ v ••• -'•■■ ' ' '* !. : • INDEX —Continued Page Page Occupational Disease Code: Compressed air. -.... . 49 Cramps . 49 Fatigue, strains, etc . 48 Inflammation of joints, etc . 49 Parasites and micro-organisms . 47 Poisoning. 43 Pulmonary diseases. 46 Occupational Diseases. “Outstanding” card. Outstanding cases . Outstanding duration. Outstanding losses. Outstanding Medical . “Paid on Accident” card. Partial disability . Payroll Exposure. “Payroll” field . Percent of Impairment Code. “Percent of Impairment” field. Permanent Partial Benefits . Permanent Partial Injury . Permanent Total Benefits . Permanent Total Injury . Policies, chauffeurs’ compensation.. Policies, deductible average. Policies excluding medical aid. Policies written at reduced rate ac¬ count Plant Hospital. Policy year method of compiling sta¬ tistics . “Positive” punched cards. Powers Tabulating Machine. Premiums, prorating of minimum.. 14 23 23 23 23 23 11 27 1 25 34 11 30 28 29 27 9 5 o O 5 1 8 1 9 Premiums, reporting of. Punched cards . Rebate Payroll. Relationship to deceased workman.. Reportable Accidents . Return Premium . “Sex” field on cards. “Sorting” fields on punched cards.9, “Special Information” field on fatal card . Specific Dismemberment Benefits... State Code . “State” field on punched card. Symbols for Companies. Tabulatable Accidents .2, Tabulation of Losses. Temporary Partial Benefits . Temporary Partial Injury . Temporary Total Benefits . Temporary Total Injury . Unallocated Claim Expenses. Waiting Period . Wages . Weekly Benefit .22, “Weekly Wage” field. Working Machine Accidents . Working Machine Code . Yearly Revision of Accident Experi¬ ence . “Year of Issue” field on card. Year of Issue method of compiling statistics. 1 1 25 22 2 25 11 25 22 30 35 11 6 17 33 29 27 29 27 5 15 14 23 14 13 38 7 11 1 -*• iwMl- oh /,? v, *^;i0 fo.soi ., i r '~ * jO ‘uj r< fow l ! ' !;• • ’i • -0‘t •• v;\ . v,’ : iH - >jHJ-i ‘ f • {feftdi 1 j • ■ .’’j id • .•-.^.,1 ) ;i. / v. . cioi-rmS. fnfrJoH 1 ■■ •= - .... , .o-i *• .. »v -,t ,•»*}'• • .;J i ,--ss* * \ Vo o; L.,.r. ■ Tr^ker '^2- .;. mi 1 ! ... ,rr.ftJTO«tU''» • ' 'y.'.-V y " £S no »■?«•» .!• "•• -iJ> v ■ •-V ;u '<■■ ■' ■ ti /H^-' ■ ,t. '•*«! >q £10 bl «'i ' • it I - • • ?-i / • - '■ b v, ' k iVh!‘ •• ;i ■ • »X" ' Jj-fv-i H. i»v jrwT •- •• . • ~'.f-!/•••> ; ,-j i'-' la-itfl ; arm :tMl ?\ r» - ■ . . t fcohrA v.d'thVW . V. *#» ft M :•• .• *•• . v.bf'.-V# iifofr <> r 9 t»V • -< ■ :: tf , :••■• - iV/ i z 'bho'f* : f * V > s“4 ; $ ■> ., . '• l« •’ <• t'. ‘ - : i; ; j r r ..<: fcdl ■ ]» : : i i TV-:',. • : SS .. .-iv*;:■■"■■ * 1*0 22 . -,i vribvfi h . . r- .-d'h; ' nrt - . . i/'bd.:■/.» . - ,voT‘ rr 02 : - ' . ■ -• go ,. XUhi.'-r uv^a'i .r -'h #2 ?h: lib ■> ■IX ' ■ ■ •• ■’ «* . ; - s . }. S: •. . • fESith'/V r--yyl,r'. , ?'&:'* luncn r \»V : :r <‘>V. v.jjloH i f\ ' o'; X .. -a • ’ j :; o v.j ,?muii;•.di’' SYSTEM OF SECURING AND COMPILING WORKMEN’S COMPENSATION STATISTICS BY THE NATIONAL WORKMEN’S COMPENSATION SERVICE BUREAU SECTION 1.—GENERAL INSTRUCTIONS. 1. Punched Card System. (a) This system comprehends the use of the Hollerith or Powers punched cards in connection with the Hollerith or Powers sorting and adding machines. Though not interchangeable, the cards are identical in size and form, and accordingly the system can be used m connection with either make of machine. (b) The punched card system, which hereinafter will be referred to as the “Bureau plan,” consists of three main divisions: (1) The “Exposure” cards for reporting payroll exposure and pre¬ miums. (2) The “Paid-on-Accident” cards for reporting experience on acci¬ dents up to the time of compilation. This includes experience on closed cases and the ascertained experience on open cases. (3) The “Outstanding” cards for reporting the outstanding experi¬ ence on accidents remaining open at the time of compilation. 2. Policy Year Method of Compiling Compensation Statistics. (a) Before taking up each division of the plan in detail it is necessary to point out that the statistical data must be prepared and tabulated in ac¬ cordance with the “Policy Year” method. This method requires: (1) The segregation of exposed payrolls and premiums based upon such payrolls according to the calendar years in which the policies were issued. To give a concrete example, the estimated payrolls and premiums covered by a policy issued, for example, in 1914, including all developments such as additional payroll expenditures and premiums as¬ certained in subsequent years, must be allocated to the year 1914 irre¬ spective of the years in which the items may have been entered on the company’s books. (2) The allocation of losses to the year in which the policy under which they were incurred was issued. (b) The experience thus recorded and reported will enable the Bureau to place the losses incurred under policies written in a particular year against the exposure covered by such policies, which is the only sound method for determining accurate loss ratios, pure premiums, accident frequency rates, and other results. 3. Payroll Exposure and Premiums. (a) Two methods of reporting exposure experience are available: (1) The companies may use one exposure card for each manual classification, the card to contain all of the experience pertaining to the classification for the given state and year of issue; or (2) The companies may punch a separate exposure card for each office entry in connection with each subdivision of payroll for every policy issued and file with the Bureau such of the cards as pertain to the year of issue for which a report is required. Under method 2, care should be taken before filing to see that the cards when totalled will give all of exposure pertaining to each classification and state for the given year of issue. (b) For rules governing the information to be punched in the various fields on the Exposure card see Section 5. 1 I : ' Xt.U . , 'i '■ l 3fj ' 7 v i.i. • ■.{i a .f> ■ ■ ?.*;• *.■ y •-« • . r ■ ■■ :t v ;u • r ■ i'. -• - i i- tvs •!; v- 'i ■■ .• „ . f*i • c i a ? iv 4 s ' i f . - •»« .is., > ’ ' -• .i&ttOJ i ft* ti M3T(i i.Tl V 'fJU f! U' ; — • i. ■■ ‘ i ?: i.fu *•■**. . ; ■ v R r .. ;• . • ! s i,• •)tliowife'iflr-K••! 0-/V' W it ,t--V . T" ■ . e ,.l • ■ i ,. f . • .! Y ; ,:o o . s'. ■ • _• • -. ,* !-■ • ••• ? V\ •*?£ ■ ■ • J0 1. :>Oi-T.v ’ ' ■ - ■ ' • • • . . . ■ . : i i : \' ■■■ T V 3 ' - . ; '■q \ if- »■ •• .. i • .. : i - . r-i : . 4. Accident Experience—Analysis. (a) Each reportable accident, as defined in Rule 7, shall be given indi¬ vidual treatment and reported on a separate card or on several cards if occa¬ sion requires it. (b) Closed non-fatal cases and the paid loss experience in connection with open cases shall be analyzed in accordance with rules in Section 2 and the analysis reported on Paid on Accident cards. (c) The outstanding experience on non-fatal cases shall be analyzed in accordance with rules in Section 4 and the analysis reported on Outstanding cards. (d) Fatal cases shall be analyzed in accordance with rules in Section 3 and the analysis reported on special report cards entitled “Compensation Experience—Analysis of Fatal Accidents.” The companies will report on these cards both the paid and outstanding experience and the Bureau will punch the Fatal Paid on Accident cards and Outstanding cards. 5. Allocation of Losses to Manual Classifications. (a) To assure dependable pure premium experience the greatest care should be exercised to see that accidents and losses are charged to the proper manual classifications. This is especially true when a loss is incurred under a policy covering a risk that is written on a divided payroll basis. The' fol¬ lowing considerations should govern the allocation of losses to manual classi¬ fications: Determine the occupation of the injured workman, then allocate the loss to the classification covering the payroll in which his wages were included. For illustration, let us take a contracting risk involving the fol¬ lowing classifications: Carpentry—N. 0. C., Masonry —N. 0. C., and Blast¬ ing. A carpenter engaged in his routine work receives injuries from a blast fired by an employee whose payroll takes the blasting rate. This accident is chargeable to the carpentry classification and not to the blasting classifica¬ tion. 6. Date of Reporting Experience. The experience for any year of issue shall be reported as of a date four months after the end of the next succeeding calendar year and sent to the Bureau as soon thereafter as possible, but not later than July 1st. As an illustration, the experience on policies issued in 1915 will be reported not later than July 1, 1917, and will represent the status of the experience on April 30, 1917. This arrangement, it will be noted, allows every phase of the experience to mature sufficiently to assure dependable statistics, as no report is to be made until every policy has completed its term, and almost all the payrolls have been audited and every accident has been reported. As to experience on accidents, the companies will have 27months’ experience on accidents occurring in January, 1915, and 4^2 months’ experience on acci¬ dents occurring in December, 1916. 7. Reportable Accidents. Reports shall be made to the Bureau of all tabulatable accidents, and of all non-tabulatable accidents which require any medical expenditure. 8. Tabulatable Accident—Definition of. A tabulatable accident is one which occasions loss of time on any day on which the injured would have worked other than the day of the accident. This definition shall be followed by all companies. 9. Non-Tabulatable Accidents. An accident which causes no loss of time or loss of time only for the re¬ mainder of the day, turn or shift on which the accident occurred, shall be classified as non-tabulatable. As has been stated in Rule 7, only those non- tabulatable accidents which occasion medical expenditure are to be reported 2 .,Y f.i fctffteb 4 va ; *iibv»: feshos/ 4,a*S <>} i ’ ,’t i£j O0 &■?* -. 'li. .--tJjjf. ^ - . o" • • l •■ l ■' i n •■ '*■ l ' ', • 'J ■ ■ • t •... »><• -*ui - .. j a. • • : - 4 . .i 0 > . • .; ■ v.Ki 4 -- , O' q ofU >■ c-iA ks ■ * : .1 4t-,' iv; .40 u-.tii : J.o < 0 - . . ; . ‘I«X1 . a-j i rtttbni: s & : .■ rr^. v :--a Y,i4i;’«q.-4 .... fcif. i .*rie&, uissfcfb <;itcu -.■SfcrftO * j . ,4.» b !• 4’b *4 :w ,1*0 i ? . •> • !>lfcO. < .. 0 . • ' • i .• • 14 i j. »e , , 0 : it* u, ■A.-V >,V. ■ t -« .• fit is* . -iaJ ^fn-iV'. CO-tU'Oi . 41 .' >ii i tO .*• ->iU • . .v -• ?£b 4 if ,iv:v. f- d «r. •• *. • r i;0)iil&i0 -•ittl 4. . * - .;,' 0 .■'• / ; ,3 : • ff i.- ri', : - ■' ;. f cr rj \ f* .• : .;. r • / :.- 1 .: ■; .. • >. • , .:. . !,.,.V.t,V ^'.O' ; . :ic»r.*.HprO ;im- X to *ii>0 i ,• V> -pi *>0 ±itb- JO *iSv • * £M 10 »t«r-HlO-T OsiT . . .-..*0 Uhii‘ *r>‘ >7r-iv*> h *;w;* myl e?&n Oior-^; . Oltf "• i T '4 0 ,' 4 r 4 ;. - ub • ' oOr •■■qOi .tt .-S.i'lUb > ‘ ‘iir ’ Si d \ sc. r . O ■ • "OY ,i i OmA. Od.msiwd wOf* ,fc ^■ ■> 0 '. r + 14 b.. v.i rh 1 i*.iOs io frs;■ t \ O • :■<. L-ai.,--. O'. .: • : i / «. -”.. 1 0 h >iO.;,i .-; •'.. • )• ..*♦>■ : .••it,-/. « .. > .... -O' • ijj:.- i to the Bureau. No detailed analysis, however, need be made in such cases, but the following information is required: Designating Number, State, Year of Issue, Classification, Date of Accident and the amount of the Medi¬ cal. Care should be taken not to punch the counter digit as otherwise the cases will be counted as accidents. 10. When Assumption May Be Made That Accident Is Non-Tabulatable. If the information on the accident report is insufficient, so that no evi¬ dence exists as to whether or not the injured man returned to work, and if there is no medical bill, or, if the medical bill calls for only one treatment administered on the day of accident, the assumption may be made that the accident is a Non-Tabulatable one. This, of course, does not absolve the companies from the necessity of insisting upon getting accurate “return to work” reports. 11. Compensatable Accident—Definition. A “Compensatable Accident” is one which results in an award of compen-. sation or which entitles an injured employee or his dependents to compensa¬ tion. Statutory Medical Aid is not to be regarded as compensation within the meaning of the definition. 12. Policies Excluding Medical Aid. In those cases where the policy contract provides for the exclusion of lia¬ bility for medical benefits, the payrolls and premiums shall be reported sepa¬ rately from the payrolls and premiums on policies providing full coverage. To indicate that the medical feature has been excluded from the contract, the position “X” shall be punched on the exposure card immediately above the first column of digits in the field entitled “Payroll.” It is not necessary to report the losses on this class of policies separately, or to mark them in any way to distinguish them from losses on full coverage policies. The reason for it is made apparent in the following illustration: Kind of Policy Payroll Indemnity Loss Medical Loss Pure Premium Medical Excluded 500,000 Full Coverage 1,000,000 5,000 .50 Medical Total $1,500,000 15,000 1.00 Indemnity Pure premium for full coverage policies . .1.50 There being no medical losses on policies which exclude medical payments, such losses are therefore placed only against the payroll in connection with “full coverage” policies. This gives the medical pure premium for full cover¬ age policies. On the justified assumption that the weekly compensation loss experience is the same under both kinds of policy, the total of such losses are applied against the combined payroll to arrive at weekly indemnity pure premium. This result gives the actual pure premium for policies which exclude medical aid. The proper pure premium for full coverage policies is the sum of medical and weekly indemnity pure premiums. If the payrolls are not separated, the following pure premium is obtained: Payroll $1,500,000; Losses (including medical) $20,000; P. P. 1.33. The pure premium of 1.33 is only 89% of the actual pure premium for full coverage policies and is 33% in excess of the pure premium for policies ex¬ cluding medical aid. As the basis of all rate making is the experience pure premium, and as the basic rates are furthermore erected for full coverage contracts, it is 3 . ' : .11? ^ ;)•> -’X ' ' - . • kf Jfc;-:/'. i. f ‘it “.O • : OI'J'J . - " l - iijoC ,.- •:*. J , If 'iSSti . ' '-i ’ > ■ '’ •• - • ;; V ■ t. .. C-GA'i- t'• ‘ 4 ><;::! tfiJJ V* v. ^ rcJ i ili-TT ii Xi . : - ; i»K: - - <70 !-'■• -•> *•- *' *f : -- • s < ‘ ' ■■ • l K;."'b ; ■ . i v ■ . ■•■■■ 'j.- ' ■ \'M: if, .. iv ‘ v . • '• i •; . • J ■ 'ri . ; ' ■ ■■ i !■: J . C t . ,0. • ■'■ - • ' /' < ■ - ■ . . 8 ioi UOhi:-. 3V'( : A5 : ft, M‘. ; t .iIts •*•. ••r-.ir*:- . »“•*- -* -*■*» — ■ • -T UOb^nXJ,! W/O* I * t u; fT’iiJ US'.**. =>A s*u. vr^/.i ik v . v-jfc? ■ r v o.i . ■ • ■ "... " V r\ '• i! r , ii , . J \• . •[ . . id rmliqmjte. <- fej»& & 0 ■ * ijjp l«j b it . .. • 1 1 to ■:«'! friatf %$bav >c : *i 4 ’ ' . .. .. A * • i 0 • '■ • . ,ACIT> . ; • ■ ) :'r vo r. [-;• • C» >'*}. rJ i ,.• ■ ‘ ■ •, , , .1 a ;* if r > .<.<}• ' M Vn < % ( *.<■ m$ t. 7c . •. l’ .-g =n Hi ' '* ki' ■ . Jlk'V • 'i: 'i •• , .-vsji •' ■ a needless to say that failure to separate the payrolls will result in rates en¬ tirely inadequate for full coverage contracts; the extent of inadequacy de¬ pending on the amount of payroll underwritten with the medical feature excluded. The above examples abundantly illustrate this point. Another advantage of reporting the payrolls separately is that eventually it will be possible to determine the discounts from basic rates for policies which exclude medical aid. It is appreciated, of course, that under policies excluding medical there wiil be instances where medical payments are made nevertheless in order to shorten the period of recovery or to eliminate any indemnity payments, if possible. Strictly speaking, these medical payments should be considered as indemnity payments because they stand in the place of them. If the argu¬ ment ended here we might report such payments as Indemnity rather than Medical, but the argument does not end here. Where medical payments in excess of statutory requirements are made for the purpose of shortening the period of recovery or eliminating indemnity payments, the same arguments would apply, namely, that such excess above statutory requirements should be included as Indemnity rather than Medical. It will be seen that such stipulation could not be handled without great difficulty, or in other words, such distinction would be impracticable. Another method would be to dif¬ ferentiate between losses under full coverage policies and losses under policies excluding medical, the same as it is proposed for the exposure, but the work attendant upon producing such results would not be worth while. If any medical payments are made under policies excluding medical aid or in excess of statutory requirements, they may be reported as medical payment if the reporting company does not care to put itself to the trouble of classifying them as indemnity. It is believed that the amount of such payments would be relatively so small as not to vitiate to any essential degree the result ob¬ tained from the plan proposed and illustrated in the diagram above inserted. 13. Contract Medical Payments. (a) In accordance with a resolution adopted by the Sub-Committee on the Bureau Statistical Plan on March 23, 1916, Contract Medical payments must be classified and reported by classifications as medical losses. The practice of charging medical payments of this character to expense tends to produce grave errors in pure premium experience and should, therefore, be immediately discontinued. (b) The following plan for allocating contract medical payments is strongly recommended: (1) In all cases except those where physicians are employed under contract or the companies establish Medical Departments, the amount of Medical paid shall be charged against the individual accident and in this way revert to the classification and other conditions incidental in the tabulation of experience. (2) In cases of physicians under contract and medical departments, the amount paid out to the contract physician shall be charged to the expense of the medical department and debited to Sundry Loss Ex¬ pense. (3) As reports come in from physicians, the medical expense shall be determined in accordance with a system of fees which is repre¬ sented by the prevailing fees in the territory where the accident occurred. (4) The amount charged to Medical shall be the amount calcu¬ lated for each accident in accordance with the system of fees em¬ ployed and that such amounts shall be credited to Sundry Loss Ex¬ pense. 4 , r i; - f? -ol' ,*iq v-ft*. -i. >. W** ■ ' v ; ■ : • • it . U'-'ifc.uti ^ }1 .\X>:: ' ■ •. v, • ! * ,£}.*- >,»*->••! ; • : • . ■ -jA \ r ■ rrfn'rj : ■■ - n f no J‘ v • * .n ■■-*i'. ■; ■ , - 9- T « : * •'•• VtO ‘= -'' '' 'vU v • ■ '• r■ ■ , - , /. ':•••],. ■ yj . >f ' ; ‘ ■' v «• •. r . a. > ■■ ■ Hi- ’ ‘ ' '' /• \ .. it - « •' • 537 ■ v- i r; '-' '■ ' - 1 . ‘ 41 *; .; . . , - ••• V HX > H **3 tl*. • ■ ! > • \ J , •; ; v it v 0 ' yAi V i f . : r-q t. )J '• i v \~ ' ‘ ...» . » ■ • ;ri fWOtli GUM*?.: H '' mxitH. <>- ^ . ' • i» ( ‘ •**< • :r ^ rt ■■ f *’ fl *- •* ' wri * -• 'h ■ H . ,.»} :« r• * ?r itTOO^-'i '«?&£ • '■* li *> \V•&:■■■ ' - H. : ■ - ; v JO ; „ * , . ,-7 - ; . • V do • A . / - ' JJp • . y } ->!,■ ,K.\ •- ; ntol5 f < ffl rf * . ’ " ' , ' , !i . ; v*v: , - • . . ■ ■ ■ . 5'! i* • -i t‘i 1 ' 14. Medical Payments—Plant Hospital. (a) In those cases where policies are written at a reduced rate because of the presence at the plant of a fully equipped First Aid Hospital, experi¬ ence shall be stated separately and reported with experience on policies written with the exclusion of medical payments. Note that this rule applies only to plant hospitals for which a considerable reduction in premium has been allowed. 15. Deductible Average Policies. (a) Payrolls, premiums and losses in connection with policies contain¬ ing the so-called deductible average clause shall be excluded entirely from the general experience and reported separately in the following manner: (1) The payrolls and premiums shall be assembled according to policies carrying the same amount of deductible average, subdivided, of course, by classifications within states, and data pertaining to each classification punched on a separate exposure card. The position “X” shall be punched above the first column of digits in Classification field and on the face of the card shall be written in ink the amount of de¬ ductible average in this manner: D. A. $250, or P. A. $100, as the case may be. (2) The accident experience on such policies shall be analyzed and reported in the identical manner provided for ordinary accident ex¬ perience. On the face of each card shall be written the amount of deductible average of the policy to which the accident is chargeable and position “X” shall be punched above the first column of digits in Classification field on Paid-on-Accident card. (3) The same procedure shall be followed in outstanding cases reported on Outstanding cards. (4) As such experience will be tabulated and studied by itself, the companies are requested to submit the cards in a separate package, plainly marked to indicate identity. 16. Compensation Business Written on Endorsements. It is understood that for the purpose of the experience all compensation business written on endorsements shall be considered as written on the date when the endorsement was issued and not on the date of the issue of the original policy. 17. Claim Expenses. Claim expenses, both allocated and unallocated, shall be treated as fol¬ lows : The companies shall report to the Bureau the amount of their claim expenses in bulk by states and calendar years. The Bureau will then com¬ bine these expenses by states and calendar years and if advisable distribute them to classifications. Of course, allocated adjusting expenses in connec¬ tion with '‘liability” cases which are to be reported on Paid-on-Accident cards in accordance with Rule 44e should not again be included when the claim expenses are reported in bulk according to this paragraph. 18. Liability Payment or Settlement shall mean amounts (including medical) recovered under Common Law in all cases where a compensation policy pro¬ vides also coverage for incidental Common Law liability. Such common law liability may arise in one or another of the following ways: (1) Where workman elects not to come under the provisions of the Compensation Act. (2) Where a workman, having elected to come under the Compensa¬ tion Act, is injured in an accident occurring in such a manner as to en¬ title him to sue at Common Law and chooses that form of recovery. 5 . :« m » ■hvj: xb'it i {ttlirfSK ,J 'w ’ 11 ■ . . ■ • • * ■ ■•-;! . »v? • : u: aet-‘> •' ' m'. m* • . ... -i..-, ,-.f, *: ■..'if - ft fT f l ' fU( (3) Where a workman by reason of the nature of his occupation is specifically excluded from benefits of the Compensation Act. (4) Claims or suits at Common Law for the loss of services of wives and minors. 19. Risks Based on Payroll Exposure. The experience reported to the Bureau must include only compensation risks that are based on payroll exposure. 20. Codes. Every company reporting- to the Bureau must use the codes adopted by the Statistical Committee. These codes and the fields on the punched cards to which they apply are as follows: 1. State Code .State field. 2. Manual Classification Code.Classification field 3. Per cent of Impairment Code.Per cent Impairment field 4. Age Group Code.Age Group field 5. Cause of Injury Code: (1) Manner of Occurrence Code.... Manner of Occurrence column (2) Working Machine Code.Cause of Injury field (3) Causes other than Working- Machinery .Cause of Injury field 6. Nature of Injury Code: (1) Nature of Injury (Fracture, etc.) .1st column of Nature of Injury field (2) Location of Injury (Leg, etc.). .Next two columns Nature of Injury field 7. Occupation Diseases Code 8. Kind of Injury. 9. Kind of Payment: (1) Non-Fatal cases .. (2) Fatal cases Nature of Injury field Column “Kind” in Duration field Compensation Paid field—first two columns headed “Kind of Payment.” 21. Symbol for Companies. As the Bureau cards are printed from plates upon which only the Bu¬ reau name appears and as it is desirable to preserve the identity of each company’s experience, the following system has been devised for designat¬ ing the different companies by symbols. Above the heading “Designating Number” at the extreme left-hand comer of the cards appear six letters arranged in the following figure: Y Y Y XXX Upon application to the Statistician of the Bureau, each company will se¬ cure a symbol by which it will be known for the purposes of this plan. This symbol will be arranged by choosing either an X or a Y position or any combination of X and Y positions. For example, the following symbol may be assigned to an applying Company: Y N N N X N 6 r..; M-jir ■ * % 5 . «<-• : ■ ' . < • tttoftf ^ ' r ■J‘iv- r • ■ > < • • • ■ • • > ;.*:»• •-.'it !>- • ■ v;r,:.. ■ '■ , : - : ' '.if •• » ■ i ■ ■ This would mean that the company so designated would punch the first Y in the upper line and the second X in the lower line and leave the re¬ maining positions unpunched. Such punching may be done by a gang punch which may be procured from the Tabulating Machine Company. This machine will punch 15 cards at one time. 22. Occasions Requiring More Than One Card to Report a Single Accident. (a) Let us consider a case of dismemberment on which these various payments have been made or are estimated to be payable—Medical, Tem¬ porary Total, Specific Dismemberment, Disfigurement, and Permanent Par¬ tial on account of impairment of earning power. To conform to the re¬ quirements of the plan, four cards must be punched to properly report this case—one for each kind of benefit paid. (Medical will be reported on a card containing one of the benefits as hereinafter described.) (b) On one of the cards will be punched the amount of Temporary Total payment (indicating that the payment is such by punching the proper symbol in the sub-column “Kind of Payment” in Compensation Paid field), the duration of payments plus the waiting period, the proper symbol in the “Kind of Injury” column to designate the injury as Dismember¬ ment, the amount of the Medical, and the digit 1 in the Counter column to indicate the case as a tabulatable accident. (c) Since the medical payment has already been recorded and the case counted as an accident by punching the Counter digit on Temporary Total card, it follows that this information should not be punched on any of the other cards. (d) On another card will be punched the amount of the Permanent Par¬ tial payments and the duration of such payments with the proper symbol in the Kind of Injury column to indicate that the Permanent Partial payment is in connection with a case of dismemberment. (e) The procedure with reference to Permanent Partial payments is to be followed in reporting on the other two cards the payments respectively of Specific Dismemberment and Disfigurement benefits. (f) Of course, it is understood that all the other information pertain¬ ing to the accident, such as the Designating Number, State, Year of Issue, Classification, etc., must be punched on all four cards alike. It is particu¬ larly desired to emphasize the fact that the symbol to designate the injury as Dismemberment must be punched on each one of the four cards. (g) The above instructions apply both to “Paid-on-Accident” and “Out¬ standing” cards. If any payments are outstanding at the time the report is made, an outstanding card must be punched for each kind of payment outstanding. 23. Yearly Revision of Accident Experience. It is estimated that of the total number of accidents for any year of issue about 3% will have incomplete experience at the time the first report is made to the Bureau. To secure an immediate working basis, the losses and other experience for a given year will be ascertained by combining the esti¬ mated outstanding experience (reported on OUTSTANDING cards) with the completed experience reported on PAID ON ACCIDENT cards. It is obvious that losses so obtained are merely approximate. Accurate infor¬ mation will not be obtainable until all of the outstanding cases ai*e finally settled. However, it is desirable for statistical purposes to study the devel¬ opments year by year. To such an end, the companies will report the de- 7 ■ ■ ■■ • ;! *’■ - V ♦ 1 ,o. ,. • \.i-: q . ■ ' n , , x, • •> /}; Si' '*) Aj X •. “* > ■*/'"**' - £***>*«- — viV i,. h ^ ^ \ 2?,, x' ,/c , , . =■• • - : ■■■••• - + ■ n>> - - *. f - ... .. (i vu. . i t- ' - 1 * - ■ A 1 »*, - , f : \ ‘ it* • * ' - - - t . ■ velopments on outstanding* cases every succeeding* year after the first report of accident experience for any year of issue. The developments in majority of cases will be merely additional payments, and such additional payments will be reported according to method described in Rule 24(b). Other de¬ velopments involving a change of information with respect to the nature of injury, or any other item in any of the “Sorting” fields, will be reported according to Rule 24 (c). If some cases are still outstanding at the time the additional payments are reported, the outstanding experience will be reported according to rules in Section 4—OUTSTANDING CARDS. 24. Method of Reporting Additional or Changed Information. (a) Additional or changed information obtained after the first informa¬ tion pertaining to an accident has been reported to the Bureau will be re¬ ported as follows: For convenience of reference the developments of previously reported experience may be divided into 5 classes: 1. Additional payments with original information unchanged. 2. Additional payments with changed information. 3. Changed information with no additional payments. 4. Absolutely new cases, i. e., cases for which no accident informa¬ tion has been sent to the Bureau. 5. Reopened cases. (b) In case of (1) it will only be necessary to punch on a “positive”* PAID ON ACCIDENT card the amount of additional payments and the number of weeks of additional duration of payments. In the remaining fields will be punched the infonnation originally reported on the first card, but care must be taken not to punch the “Medical” field if no additional Medical payments have been made. The Counter digit should not be punched as otherwise the card will be counted as an additional accident. (c) In cases (2) and (3) it is necessary first to eliminate or subtract the accident and all of the information pertaining to it from the records at the Bureau. This is accomplished by punching a “Contra” card in such a manner as to exactly duplicate the information contained in the original “positive” card including digit 1 in the Counter column. The accident is then treated as a new case and the revised experience is punched on a new PAID ON ACCIDENT card. In order that the accident be counted again the digit 1 in the Counter column must be punched on the new card, be¬ cause the “Contra” card eliminated the accident. (d) With reference to (4), a “positive” card will be punched for each such accident. The digit 1 will be punched in the Counter column so that the cases will be counted as accidents. (e) With reference to (5), these cases will be treated as a class by themselves—REOPENED CASES, and should be kept separately when reported. Two cards shall be punched in connection with each reopened accident case; one to contain the payments made before the case was re¬ opened, the other to be punched with a symbol signifying that the case was reopened and to contain the new information and the payments made after reopening. The full details for handling reopened cases have not yet been worked out, but as soon as they are, the companies will be fur¬ nished with supplementary instructions. ♦“Positive”—This term is used to distinguish the ordinary PAID ON ACCIDENT and OUTSTAND¬ ING cards from the CONTRA cards. As for CONTRA cards, they are fully described in Section 6. 8 ' ■ - » —-v' . ?rS;^.■ - T "[ > i JLs, ' r. ^ •* *■» - ' i*’ <;• IV' ^'-±- l~fj -n Vir;vnv;:f: 0 tin u-i r, Unr- . j .*4 - - , ^ . . • -u in ;i ■'i• i 1 ■-•-• 1 ■ •■ -' • •• '•-• *• •••• ' ' ■ ' : ' • . <- v >•• ... ; : i . ;; . -n , .■■ 25. Sorting and Adding Fields on Hollerith Cards. To facilitate the formulation of a number of important rules the fields on Hollerith cards have been divided into two groups—Sorting and Adding, as indicated below: Paid on Accident Cards Sorting Fields Adding Fields State Medical Paid Issue Duration of In- Classification jury Accident Date Compens a - Sex and % Imp’t tion Paid Age Group Cause of Injury Nature of Injury Weekly Wages Column “ Kind ” in Duration of Inj. field Column “Kind of Payment” i n Compensation Paid field Outstanding Cards Sorting Fields State Issue Classification Accident Date Sex and % Imp’t Age Group Cause of Injury Nature of Injury Weekly Wages Weekly Benefit Column “Kind” in Est. Out¬ standing Dura¬ tion field Column “Kind of Payment” i n Computed Re¬ serve field Adding Fields Outstanding Med. Est. Outstanding Duration Computed Re¬ serve 26. Method of Pro-Rating Minimum Premiums. (a) In the case of a minimum premium policy where there are several classifications with estimated payroll, we recommend that the minimum pre¬ mium be apportioned as follows: It is understood that in each policy there will be a governing classifica¬ tion. The premium for all minor classifications should be computed on the basis of the estimated payroll and the proper rate; the balance of the minimum premium should then be charged against the governing classifica¬ tion. Take the following example: Classifica¬ tion Estimated Payroll Rate Premium without Limit Apportionment of Minimum Premium 1 $1500 2.00 30 41 2 100 2.00- 2 2 3 100 3.00 3 3 4 100 4.00 4 4 $39 $50 Here we have four classifications; classification No. 1 being the govern¬ ing classification. The premium obtained by applying the rates to the estimated payroll for the four classifications is $39.00, but the minimum premium for this policy is $50.00. The apportionment of this minimum premium in accordance with the above rule provides that the premium for classifications 2, 3 and 4 shall be computed strictly in accordance with the rates and payrolls for these classifications, and that the remainder of the minimum premium should be assigned to classification No. 1, the govern¬ ing classification. 27. Method of Dealing with Chauffeurs’ Compensation Policies. (a) Whenever a chauffeur is covered by a Chauffeurs’ Compensation Policy which is written in a non-compensation state the premium should be charged to the nearest compensation state. For example:—If a policy 9 : * v ' • ; ■ ^ •;'?v : '-ihr* » ’• * ■ .... •' •'"• ■*-'" . . r, P * IJ O'l : 4 * ’•••' bi^n i9 bi.i 1 ' J& ;• -t!!*’ it ;.tr> ■ i v 00 .> tforcjafl aoii ooei? 0*1 i v->! U oor . , i ’ > *UlO‘> -&v ; - 1 • fV ^ . . ■[, .•>.•* a ffi-ns ••.«? 1 ' of this character is written in Missouri to cover wherever the chauffeur travels, the premium should be charged to Illinois, the nearest Compensa¬ tion state. 28. Amount and Duration of Payments to Be Reported. In each case the amount of compensation to be reported should be the actual amount of compensation paid and the duration of injury to be reported should be the actual duration of time during which compensation has been paid, plus the waiting period if it relates to Temporary Total dis¬ ability. If, for example, an employee is entitled to receive a specific indem¬ nity for two hundred (200) weeks, and dies of natural causes before the expiration of this period of time, leaving no person or persons entitled to receive the remainder of the compensation, the duration and the amount of compensation to be reported should be the actual period and amount paid to deceased. The Bureau is interested in determining the exact cost of the different kinds of benefits. Consequently, it desires data respecting the actual payments made and not the theoretical payments required under each kind of benefit. 29. Method of Reporting Experience. (a) In accordance with a resolution passed by the Bureau at its meet¬ ing on January 8, 1915, all the members of the Bureau are to report their compensation experience to the Bureau according to the Statistical Com¬ mittee’s plan mailed to the members on December 10, 1914, in one of the three following ways: (1) The company will punch the cards and send them to the Bureau for compilation. (2) The company will send accident information to the Bureau and the Bureau will punch the cards and compile them with the cards sent by other companies. (3) The company will compile its own experience according to the method prescribed by the Bureau, and send its compilations to the Bureau, where it will be combined with the Bureau’s compilation according to method (1) or (2). (b) It is earnestly hoped that the companies will furnish their experi¬ ence in accordance with plan (1) but if not in accordance with plan (1), then in accordance with plan (2). Plan (3) is deprecated because it would require the Bureau’s combining its compilations with the compilations of the individual companies. Under plan (1) or (2) the work of the Bureau would consist of one compilation, which would not be possible under plan (3). If experience is reported under plan (3), every time a change in the nature of compilation is made the company using such plan must change its compilation, and the Bureau must make a combination of its compilation with the compilation of the experience of all those companies that use plan (3). Should the Bureau after compiling on a “Classification Exposure” decide to recompile on a “Cause of Injury,” “Nature of Injury” or any other unit taken as a basis, no result could be obtained until all the companies using plan (3) had reported. It would necessitate explaining to the companies how and what to compile. It would cause delays. And the possibility that occasionally a company’s compilation would not accord with the compilation desired by the Bureau is not to be underestimated. 30. Call for Experience. (a) The first call for experience under this plan was issued by the Bureau on November 6, 1914. The call includes experience for New Jersey for the year 1911, and for New Jersey, Massachusetts, Illinois, Michigan and Rhode Island for the year 1912. 10 . J«, • »• •' ' 1 I • * . ■ : ’ ! * ; ’ ? 1. : ' 'H‘i ..’i'.'jn-* . . i , ■ tfrv • ’ ,,i *r iTij-Tr •tM . • r ;; . < ;; < '; . , -1«» ■ •■■■••■> 1 *• ■ ; •• •' ' -V •• . .. n (!;■ t:‘- • ■■ : !• " . : : ' V. \ J . noil »*’•• ■"* ■ ■ v* -■ • • ■' . , f,.; .... t. ■ !*» li :\ ,' * I , ■ • f • I* it J •.• i V, • .. ' SECTION 2.—PAID ON ACCIDENT CARD—NON-FATAL CASES. 31. “Designating Number” Field. The first field on the Paid on Accident card is “Designating Number.” In the field may be punched the accident number, claim number, or any other designating number an individual company may use. By numbering the cards the Company will be able readily to locate any card which re¬ quires repunching. In general, this system will assist both the company and the Bureau in the revision or correction of the records. 32. “State” Field. (a) The next field is headed “State.” In this field will be punched the state to which the accident is referable, and this will be the state to which the policy covering the accident is charged. (b) If an accident is extra-territorial, that is, if it occurs outside the territorial limits of the state where the contract of hire was made and of which the injured employee was a legal resident at the time of accident, the state to be punched in the field shall be that in which the contract of hire was made and under whose compensation act the claim was adjusted. In addition, the letter “E” above the first column of digits must be punched and the state where the accident occurred written in ink on the face of the card. 33. “Issue” Field. The next field is headed “Issue” which is an abbreviation of the heading “Year of Issue of Policy.” In the field will be punched the year of issue of the policy under which the accident is covered. 34. “Classification” Field. The next field is headed “Classification.” The classification code num¬ bers will be found in the “Basic Manual” and in the Bureau “Manual Classi¬ fications Code.” The numbers appear in the Basic Manual in the first column to the right of the classification. For instance, the classification code symbol for “Absorbent Cotton Mfg.” is 4690, and for “Acetylene Gas Machine Mfg.” 3522. These classification code numbers, and no others, must be used for punching this field. 35. “Accident Date” Field. The next is “The Accident Date” field, in which will be punched the year and the month in which the accident occurred. The limited number of columns on the card has made it impossible to provide space for the day of the month. 36. “Sex” and “Per Cent of Impairment” Field. (a) The letters M and F appearing above the column of digits will be punched to denote male or female. For the remainder of this field: (b) If T “ 1 “ 2 “ 3 “ 4 “ 5 “ 6 “ 7 “ 8 “ 9 be punched it denotes Total Disability. “ “ “ “ impairment of 10% or less “ “ “ “ “ “ 11% to 20% “ “ “ “ “ “ 21% “ 30% “ “ “ “ “ “ 31% “ 40% “ “ “ “ “ “ 41% “ 50% “ “ “ “ “ “ 51% “ 60% “ “ “ “ “ “ 61% “ 70% “ “ “ “ “ “ 71% “ 80% “ “ “ “ “ “ 81% “ 90% (c) Any percentages of impairment over 90% will be considered Total Disability. 11 « >•; » ;av..w \m.o nzamvif. * > <*ia« > .1 •••*•;' ; • U -.&k: ' ■ inj.'/ jjfi i>iii isytr ./*>*,• t*0 '.ij i. &f : >i • '! »?»»•' f >- V ■-'•• 1 "iii-i ! .ft'-,: • r 1" : » : c ; ; , “ ! ■ n ' ‘ • • ' ■ • ‘ ; (f ■ ■ ‘ V ii •; l ' it. '» '» - ; i ; - '■ , . ..i nsrfJteillv.jbntt K. ' j *1 * • Jt siiWfU;, ). ,K'V r \ ”tV ■ ' * . • j Wv> ">■ ; 1 :**$' r >’ ■•»/- 1 J> ' ' •o 'if 'i«/ ‘V . ii *in it ■' '*'i« 1 :■) f-Cl ,jN?t i >*> ia* ^ > r ' ' •*' rbfet. - H 1-.: '• ■y-A >f ‘I'. 1 'M^STd! '■•• $k- - -■ l ' i * 8*?! l/ j £ j u;- » V r * VA> f > >4 *> t J •^r; * ‘ ' • v'£ ! i iv ' •*? YU r. (d) The “Per Cent of Impairment” field applies only to cases where compensation is based upon temporary or permanent impairment of earn¬ ing power as a consequence of dismemberment, loss of use, or any other kind of injury. It is, therefore, to be punched only in connection with Perma¬ nent Total, Permanent Partial and Temporary Partial disabilities. (e) The following method should be used to ascertain the degree of dis¬ ability (percentage of impairment) in cases of dismemberment or loss of use: (1) In states where an additional benefit is payable for partial dis¬ ability following dismemberment, the degree of partial disability shall be ascertained on the basis of the difference in wages paid before the injury and after return to work. To illustrate: Suppose the injured received $15.00 per week before the accident and $10.00 per week after he returned to work. The per cent of his impairment is determined by dividing the amount of the difference in wages by the amount he re¬ ceived before the injury (5 divided by 15 or 33%). Note:—This method of calculation is to be applied in all cases of partial disability compensated by the payment of a percentage of the weekly loss in wages. (2) In states where dismemberments are compensated ON A BASIS OF DEGREE OF DISABILITY either by means of a definite schedule or through specific awards as in California, such awards shall be used for determining the degree of partial disability. (f) The “Per Cent of Impairment” field is not to be punched for dismem¬ berment or loss of use cases compensated in accordance with a specific dis¬ memberment schedule, as this method of payment makes it impossible to ascertain the degree of impairment. (g) Where the earning capacity of a partially disabled workman fluc¬ tuates, and where consequently the amount of Temporary Partial or Per¬ manent Partial benefit varies from time to time, do not report the various degrees of impairment, but instead determine the average degree of impair¬ ment in accordance with the method outlined below. 1. Weekly wages before accident, $15. 2. Wages earned while partially disabled: 10 weeks at $5 = $50; 5 weeks at $8 =± $40; 5 weeks at $10 = $50; total for 20 weeks, $140. 3. Amount would have earned during the 20 weeks at regular wages of $15 = $300. 4. $300 — $140 earned = $160 or loss in wages. 5. 160 -r- 300 = 53%, or the average degree of impairment. 37. “Age Group” Field. The age of an injured workman ance with the following code: Y.Ages below 14 X. “ 14 to 19 0. “ 20 “ 24 1 . “ 25 “ 29 2 . “ 30 “ 34 3 . “ 35 “ 39 38. “Medical Paid” Field. (a) The sum of all medical payments in connection with any case shall be punched in this field. This applies both to tabulatable and non-tabulat- able accidents. (b) If the sum of medical payments in any one case is more than $999.99, an additional card will be punched for the excess amount, but only one of the cards will be counted as an accident, if the accident is tabulat¬ able. In other words, the Counter digit will be punched on one card only, if the accident is to be counted by reason of its being tabulatable. shall be punched in this field in accord- 4 .Ages 40 to 44 5 . “ 45 “ 49 6 . “ 50 “ 54 7 . “ 55 “ 59 8 . “ 60 “ 64 9 . “ 65 and over 12 • » ’ y V - •' • ■ - ' ^ ■ U/lQii 1 J T. . «■ *" ffcH'i’Vi 1 i • *»- . ... :. he;-• d ' ;cr-... : ;cd«>r*' ■»)•; i w>>!*■»’* • i .. • ■■ v * 1 f :* > • S: - > '■ »' >. ■ '■ i* 1 V . 4. ; - ' ' ' ■ ,i : ‘ : .li• .... '■ dr; ;• - i- ‘ •• vr-..-; -o •.u iObXt h s* fr-i • ■ : , r, ■ ■>; in m "C - : ^>w -■ *' ■ ' . r > > X-t • 9 -■ - ; ■ - t ,ji; i-r v-. • :• . ■> iv :j £• %. - . ., , v Hi- Y” LJ'i/j'M V • 3 ?iU> H: iO • ; .y . J, *i,.r D .- htiro&tfptfrt .. riv j ti t' :-.n c 1 • ; !' :> : : : >'■ " ■ • • * - .. • - : ■ ■ :• :.". ' *f :V >; V'O vof-- t*i eruoh-.^-m iwv- rkt. '/;v > • ^ x ir -.h k>.V}’ ■ -V: '' > V,iMVH v /: r ■ QT l j>*r . JfV» ■ i; ..••;■ A ,. r< ;>*! .. .. V'i.. . v U» m-» ^ jk ' < ->• £ . . . , ...; - I •••' ■ S* w ■ ■ . • t ■ v^.'Vh' ; . ;•* • '' , - ■ t>i vt hi % is ^.. ! ' . — •- ^ »* as ’ ■ .t - ^ t:- 1 . ,v 0. :c i ii ■ * » r . ^>1 ' i . ,, : ■ i • ■ ■ (c) All medical expense incurred for the benefit of the insurance com¬ pany should be charged to Adjusting Expenses and not included with medi¬ cal payments reported on the “Paid-on-Accident” cards; but all medical ex¬ penses incurred for the benefit of the injured, including non-statutory medi¬ cal, should be charged to Medical and reported on the cards as payments for medical services. A good rule to follow is this: All examinations made by an insurance company for the possible production thereof as evidence before a court or arbitrating board should be charged to Adjusting. 39. “Cause of Injury” Field. (a) This field is divided into two parts—one consisting of a single column of digits to the left of the dotted line and headed “Manner of Occurrence”; the other consisting of three columns of digits to the right of the dotted line. The letters X and Y which appear above the first column of digits to the right of the dotted line are not to be used as the information which the Bureau had intended to derive by means of these letters is no longer de¬ sired.* (b) Both divisions of this field are required to properly code the cause of a working machine accident. In the first part of the field will be stated the manner of occurrence of the machine accident; in the second part will be punched the code for the machine causing the accident. (c) The code for causes other than working machines will be punched in the division of the field consisting of three columns of digits. (d) When punching cards, use the “Y” key to skip the Manner of Oc¬ currence column if the accident is not caused by a working machine. (e) The Cause of Injury code, which is to be used in connection with this field, consists of three parts, namely: (1) Working Machines. (2) Manner of Occurrence in connection with working machinery. (3) Causes other than working machines. The first two codes apply to accidents caused by working machines; the last one to accidents due to other causes. (f) HOW TO DECIDE WHETHER AN ACCIDENT IS DUE TO “WORKING MACHINE.” In general, a working machine accident is one which arises out of, or is contributed to, by the actual operation or by the moving parts of a machine used for some part or all of the process required to convert raw material into the finished product. For the purpose of this rule accidents incident to or arising out of the operation of conveyors, hoists, elevators, steam engines and other power generating machinery shall not be considered working machine accidents. Neither shall bumping into or slip¬ ping and striking against the corner or side of a machine be classified as a working machine accident. 40. “Nature of Injury” Field. (a) This field is divided into two parts—one consisting of a column of digits to the left of the dotted line, and the other of two columns of digits to the right of the dotted line, and letters L and R appear above the first column of digits. (b) The Nature of Injury code which is to be used in connection with this field consists of two parts: (1) Symbols indicating the nature of injury. (2) Symbols indicating the parts of body. In the first column of digits will be punched the nature of the injury as per code—such as amputation, fracture, stiffness, etc. In the two columns to the right of dotted line will be punched the part of body affected by the injury. •An accident occurring at the point of operation of a working machine was denoted by “X” and one due to the construction of machine was denoted by “Y.” 13 ...v'f:- b'-i t&'Wtfe- vr*-. : . . • , • • "" • / . V* • < ■ '•» ;•» ■ ■" • ,J vj[ ■ V itefi «f a*?'! ’TO *f *>r : V .’; f U i ■ r! : - ■ • - ' • : : ■>■■:••• ; *• ' -• ■ 1 . • • -i. •» • - ' ' ' ;■ .■ - ■ :;<• >i ulCRiciS ' -iL 4 v' •* . " ... . ' - ■ """ . ■ t '■ ; * ie*j o**>‘ %• i0«i> ■.*? *#£ • . • <••. .. - •: ' >• ■U - ' • • ‘ - " ■■ • :•••• ■<* ■■ -I ' (c) The letter L shall be punched to denote an injury to a member on the left side of body, and letter R to denote an injury to a member on the right side. (d) Occupational diseases shall be reported in this field in accordance with the Occupational Disease Code. This code shall be used as follows: The digit 0 shall be punched in the column of digits to the left of the dotted line to indicate the fact that the injury is an occupational disease, and the name of the disease shall be entered in the space where the symbols for parts of body are punched. (e) Occupational diseases are not to be reported in states where it has been decided that occupational diseases are not covered. (f) In reporting cases of multiple amputations in combinations not cov¬ ered by the code, proceed in the following manner: (1) Punch digit 1 (Loss or Amputation) in column to the left of dotted line and digits 94 (multiple injuries) in column to the right of dotted line. (2) Write in ink on face of card the parts amputated. (g) In the case of minor multiple injuries, the method of procedure outlined in (2) need not be followed. For instance, an injury consisting of lacerations and contusions of chest, head and arms may be reported as 594 (Lacerations—Multiple). In following this suggestion good judgment should be used to indicate definitely the nature of injury which appears to be the most severe. Refrain as far as possible from using the symbol 9 (all others), for the value of the experience will be greatly increased if there is some indication of the nature of the injury. (h) In the case of eye injuries, use symbol 9 (all others) to describe the nature of the injury. This applies to all eye injuries except enucleation and loss of use, in which case use 1 (amputation). The use of “9” in con¬ nection with the eye will be interpreted by the Bureau as “Injuries to Eye.” 41. “Weekly Wage” Field. (a) No space has been provided in this field for reporting fractions of a dollar. Count as one dollar ($1) all fractions of a dollar if fifty cents or more, rejecting the cents if less than fifty cents. (b) By weekly wage shall be meant the amount the injured was regu¬ larly receiving, and not the average weekly wage upon which the compensa¬ tion is generally based. 42. “Kind of Injury” Field. (a) This field, consisting of a single column of digits, appears on the card as a subdivision of the field entitled “Duration of Injury.” In reality it has nothing to do with this field, being placed there merely on account of lack of space for the heading. (b) In this field shall be punched the symbol indicating the group to which the injury has been assigned in accordance with the code entitled “Kind of Injury.” (c) For instructions on proper classification of injuries as to “Kind,” see Part 1 of Section 7 entitled “Distinction between the columns ‘Kind of Injury’ and ‘Kind of Payment.’ ” 43. “Duration of Injury” Field. (a) This field is divided into two parts—one entitled “Weeks” which consists of three columns of digits and the other “Days,” consisting of one column of digits. In the “Days” column above the digits appear the letters X and Y. 14 : • : . ' : fjtf {t&t'v ■ : * • - • -• . , JX‘<1 tt*j CS * v ij-!'. A ’>» *-■' « . •■••-’ ■ • : :'V ■ ■■*** : ■ ■ ; • - \ ;•'{*, >nJ "H'' ; 1 "v&w WWW ' ■ ■ .vr' i r.o - ■ ' i’i f>i»t *"V\? j/i? .<« * •-"f/r • :-*f k V . •" ipp ' » . .•■ » . • , " 5 * if ■ ;■■■ ’ ' ’ ‘ ' J \ i ■' «•>«!»••• fi (b) In this field shall be punched the duration of the injured workman’s disability expressed in terms of weeks if over six days. The duration should be determined by counting every day, not excepting Sundays and holidays, beginning with the day of injury to but not including the day of return to work and the result divided by seven to reduce the days to weeks. Do not use the method of considering only the number of working days and then di¬ viding by five and a half or six. The days numbering less than a week will be entered in “Days” column, counting as a day the loss of half or larger por¬ tions of a working day. (c) If the waiting period is two weeks and the injured workman is dis¬ abled for over a week but not more than two weeks, the letter Y is to be punched. If the disability is for one week or less, the letter X is to be punched. (d) If the waiting period is one week, the letter X will be punched to designate all disabilities not exceeding one week’s duration. (e) No report of actual time lost is required in any of the cases stated in (b) and (c), though any company desiring to report this information may do so. The letters X and Y must be punched whether the actual time is reported or not. This is to enable the Bureau to sort out the accidents where the duration of disability does not exceed the waiting period and thus to arrive at the number of non-compensatable accidents. (f) The duration of temporary total disability in cases where the dis¬ ability extends beyond the waiting period is the duration of payment for such disability plus the waiting period. (g) The duration of temporary partial disabilities shall be determined and reported as follows: (1) If the temporary partial disability commences on the day of injury and extends beyond the waiting period, the duration of the disability is the duration of payments for such disability plus the waiting period. (2) If the temporary partial disability is preceded by temporary total disability, the duration of partial disability must be reported on one card and that of total disability on another card. (3) If the partial disability in such cases occurs and ends within the waiting period, so that no compensation for partial disability is made, indicate that the duration reported is that of partial disability by punching symbol 12 (Temp. Partial Payment) in “Kind of Pay¬ ment” column. (Such cases will be extremely infrequent.) (h) In all cases of permanent total disability the duration of payments shall be punched for checking purposes only. (i) The duration of disability in dismemberment or loss of use cases shall be determined and reported as follows: (1) Temporary Total Disability—In this regard the states may be divided into two groups: (a) States in which benefits are paid for the period of tem¬ porary total disability in addition to the specific benefit. (b) States in which the specific benefit is exclusive of all other payments. In case of states in group (a) the duration of payments for tem¬ porary total disability plus the waiting period shall be taken as the duration of the temporary total disability. In case of states in group (b) it is extremely desirable to ascertain the duration of temporary total disability. If available, report such information on a separate card, and punch symbol 11 (Temp. Total Payment) in column “Kind of Payment.” This will indicate that the duration is that of temporary total disability in connection with dis¬ memberment. 15 ' ■ ■ ; , ' ■: i . ' '"' ;i ; /. ' u , •>, > .-1 ..«• no . 1.u-0 ’-•* .{f. ... :;n * k • ' - • ... ;; it ; , u . . & ^*3' ■ Si (2) Permanent Partial or Temporary Partial Disability: (a) In some States additional benefits are payable for par¬ tial disability in cases of dismemberment. In such states the period for which such payments have been made shall be re¬ corded. (b) Where the payments for dismemberment are exclusively on the basis of a specific dismemberment schedule the period of partial disability following the injury is not ascertainable. (3) Specific Dismemberment Benefits:—In all cases of dismember¬ ment the duration of the specific dismemberment payments shall be punched for checking purposes only. (j) Important—In an injury results in more than one kind of disability —that is, if the disability is first Temporary Total and then Temporary Partial or Permanent Partial, the duration of the various disabilities must be reported on separate cards. This rule should be applied jointly with Rule 22. Also see Rule 45 for instructions regarding the punching of the Counter column in such cases. 44. “Compensation Paid” Field, (a) This field contains a two-digital column entitled “Kind of Pay¬ ment” and a main column entitled “Compensation Paid.” The Compensa¬ tion Paid column is divided into two parts—one containing four columns of digits for dollars and the other two columns of digits for cents. (b) The “Cents” column was inserted for the benefit of the companies. The losses may be stated in dollars only provided any fraction of a dollar if fifty cents or more is counted as a dollar. (c) In the column “Kind of Payment” will be entered the informa¬ tion in accordance with the code entitled “Kinds of Benefit Compensation Losses” to indicate the kind of disability compensated by the amount en¬ tered in Compensation Paid column. (d) If the digit 9 is punched in column “Kind of Payment,” it will mean that anything in the Compensation Paid column is the amount of damage paid under a “Liability” Settlement, and anything in Medical Paid field is the cost of first aid or medical treatment in connection with such settlement. (Rule 18 defines Liability Settlement.) (e) Allocated adjusting expenses in connection with “Liability” claims must be reported on “Paid on Accident” cards. The amount of the adjusting expense will be punched in Compensation Paid column and designated as such by punching symbol 29 in Kind of Payment column. (f) All Claim Expenses other than those incurred in connection with “Liability” claims must be reported in bulk in accordance with Rule 17. (g) Lump Sum Payment, as defined in (h), will be designated by punch¬ ing the letter L above the first zero digit in “Kind of Payment” column, and Lump Sum Settlements, as defined in (i), by punching position Y imme¬ diately above the letter L. Of course, information in regard to the kind of disability so compensated must also be punched in accordance with Rule (c). (h) A Lump Sum Payment is a payment made in strict accordance with the provisions of a compensation act. These payments represent in each case the present value of a definitely known series of future installments, whether discounted or not. < (i) A Lump Sum Settlement is a payment to discharge a liability for the payment of compensation that is not made in strict accordance with the provisions of a Workman’s Compensation Act. Payments of this character do not represent the present value of a definite number of future install¬ ments, but rather the settlement for an agreed sum, of cases where the fact of injury is questionable or where the extent and future duration of disability cannot be determined and an immediate settlement is desired. 16 r t< ■ M i; V ' !U. i til . i iii l ,is ii) T v> ■ • •-••v • • • '■ ; . _ , < V. .m«» . •> ’ , *]{*:,■■!u." a ftboq^ ••:•> . urs-^-v -'U o ’iotuv.:!' *, i 2r -n . . •••::. ; ? ., ■>"sw'l ;v* • •• • ,, v - ; ■ .if v;u.>tx - • *.5i ; (t - ,, i, ' hi >T V«/. .> .--i:A n... : . - < , . >i'\ ‘%U>' n -Ut * > ' 1 ■ , ■. i *i • ■ u ",C* I fc. - CfW t ‘••ij hr:-, w\ li-.h ; V *:•! . '.. : * S.‘ /**• rr ,* 4 - 'O • • •i-. • • ■’ y eid d?>m /H' i f iiv”. • n - • i jiio rid; ia#( ' r ' j.- 7 J ifi?# , •. k • • -iUrfu ixi d'Tt' i iX‘ rl.'. •• n : ‘.'ttllKj i - • jiO^ hii K-. ' ; f.i •<••... r v ti.itri.: -'.a* ; ri's-’nd • i bb • * ■ c ... -.V. ,ti ■ iJV. il ■■ r .It. Vi it-. > 5 ‘vi *•: V • n. • ••' ■■ •} ■'*' « . »d -a 4iy>ii --y■' • •• fi ... -o,‘ :vc.j ♦ • v f«' ■ ’■'- " ' ... -t ' : .• r-S^ • ^ O i (j) Note:—The payment in one sum of weekly benefits which, for any reason, have been deferred until the entire amount due the injured to date has accrued and become due, does not constitute a Lump Sum Payment nor a Lump Sum Settlement. Such payments shall be treated the same as if they were periodical payments. (k) The following procedure shall apply where future installments are commuted to a lump sum after a part of the compensation due the injured has been paid in weekly installments: (1) If the commuted period represents a considerable period of time and constitutes at least 35% of the total compensatable period, add the lump sum to the periodical payments and report the entire amount as a Lump Sum Payment. This, of course, applies when dealing with the payment of only one kind of benefit. When two kinds of benefit are involved, as for example, Temporary Total and Specific Dismemberment, and all of Temporary Total benefit has been paid in weekly instalments, report Temporary Payments separately as weekly payments and apply the above rule strictly with reference to the duration and the amount of the Dismemberment benefit. (2) In all cases where the commuted value is preceded by a period during which periodical payments have been made, the periodical payments, exclusive of medical, shall be added to the commuted value and the sum of these items shall be reported as the commuted value. If the commuted value is in connection with an accident concerning which information has been reported to the Bureau at a prior date, the information previously reported shall be cancelled by a contra card and the complete information furnished on a new positive card. This procedure will avoid duplication of payments made prior to com¬ mutation which has already been reported to the Bureau. 45. “Counter” Column. (a) If digit 1 is punched in this column, it will mean that the case is to be counted as a tabulatable accident. (See Rule 8 for definition of a tabulatable accident.) (b) The following direction is very important. If two or more “Paid on Accident” cards are used in connection with any one accident, either at the time of first report of the accident to the Bureau or subsequently, care should be exercised not to punch the Counter digit on more than one of the cards, otherwise the machine will record such information on the other cards as additional accidents, with the result that the Bureau’s tabulation would account for more accidents than actually occurred. (c) This direction is equally applicable to Outstanding cards. 46. General Rule. (a) Every tabulatable accident must be reported on a Paid on Accident card even if no amount has as yet been paid thereon, because all tabulatable accidents must be counted as accidents and this can be accomplished in no other practicable way. 17 .JKtf * ij nr a* ‘ itiiO&lA - i •- ■ tit- •J *1- 'jtt iif.ti* : >i ■•qrtKt ; ; • r * r- < - t -i \ > • K » ,V U. • t Li y fYif ‘f ■ tit,■.. :.j ,■ •■ -t CIV.! - * V ' ' ** • ^ ...' . ■ . • l ■ M ■- -.y Hi Vf- >9 • • •' ' r ' * pA . „ ,vc *•• *»• i^c b«:h : tafttnonoj *« \ l < l L UH* *<■■>< ■( •-■ * \ \ ". j, 31«t - «•-& #•-*■ c > **- «"* 1 V .••0 » v . it•w ta^-iisso ■ ai» 2' i 1 ' 1 ^ 1 , .»« > in .t• ( ufcx# • •• - jiS ' - : .rntmkt' *■ ’i.» «u*» ’ ‘ , . A -u .. ip fj j. fc■> tit iwumiv. i l ,} ' - i u - -■ '••' : ' v.‘;; 7 "!■■■•>■ ■■■>; - i- ; -• .* ;• 3 0 v v; : . |. ,j, ,<$ t. r i. <• : ■’* HU ■>■!■ >lW WO’ ‘ ..j,... :;u.!«Unt«i ... ok» .0 o) 3We.ii, al '-1 UyiF.i>^t>l r-. iMf, Ujv'jjjN ! Mi ,y ■ -®- * • • 1 ' l( < uhtio^ & v. *t ‘ ' < ■ »', It*’ • ' *• • '*'••• ' ■ ' ’ f..,. * • , ; . , •r -i ••{* - ** • I i 1 ■■* * . ’ v ' • , J. - , . i. H - ■ - •'■ - t , • ... • . . f .i, ^ !. fs*U 8 *■." • . ... .... • .- ■ . (d) Column “CHILDREN.” The proper digit shall be punched in this column to represent the number of children under 18 years of age surviv¬ ing the deceased employee, including those over such age who are men¬ tally or physically disabled from earning.* (e) Column “OTHER TOTAL DEPENDENTS.” The proper digit shall be punched in this column to represent the number of dependents other than spouse and children, wholly dependent upon deceased at the time of accident, regardless of whether they are entitled to benefits or not. (f) Column “PARTIAL DEPENDENTS.” The proper digit shall be punched in this column to represent the number of dependents, other than spouse and children, who are partially dependent upon deceased at the time of accident, regardless of whether they are entitled to benefits or not. 51. “Duration of Payment” Field. (a) In this field shall be punched the number of weeks during which payments were made to or on account of beneficiaries indicated in “Kind of Payment” column. (b) If the death benefit is commuted to a lump sum payment the dura¬ tion of the commuted payments need not be reported. Care should be taken in these cases to enter the letter “L.” (c) In all cases where lump sum settlements or payments are made a detailed statement of the conditions under which these payments were made should be stated in the space provided for remarks. This statement should indicate: 1. Whether settlement or payment was approved by Industrial Accident Board or Commission. 2. Reasons for making such payment or settlement from the stand¬ point of company or injured person. 3. In cases of lump sum payment: (a) Period of commutation expressed in weeks; that is, the period payments would have continued had lump sum payment not been made. (b) Effective rate of interest. (c) Table of mortality used. 52. “Compensation Paid” Field. (a) This field, as in the case of non-fatal cards, is divided into two parts, the headings of which are “Kind of Payment” and “Compensation Paid—Dollars and Cents.” (b) “Kind of Payment” column. The Fatal part of the code entitled “Kinds of Benefits Compensation Losses” shall be used in connection with this column to indicate the kind of loss punched in “Compensation Paid” column. The designations of the various symbols in the code in themselves suggest the basis for the segregation of losses. In no case shall payments made to surviving dependents be allocated on the basis of distribution ordered by the Industrial Board or Court; in all cases they shall be allo¬ cated strictly in accordance with the following rules: (c) The total of payments made on account of dependency of a widow (or widower) alone, or on account of widow (or widower) and children, shall be charged to “02—Pension to Widow.” The total payments made on ac¬ count of dependency of a child or children where no widow (or dependent •The Rule regarding the inclusion as dependents of all children under 18 years of age was adopted for similar reasons. In some States children are considered dependent only up to 14 years of age; in other States, up to 16 years of age, and in about half the Compensation States, up to the age of 18 years. Eighteen seems to be the generally accepted age limit as regards dependency of children. In the com¬ pilation of statistics relative to dependents of deceased workmen, it is therefore essential to ascertain the number of children under the age of 18. Children over 14 and 16 years of age will likewise be elimi¬ nated in certain cases from tabulations of surviving legal dependents. 19 .. i- ' ,. • • V ' V 1 - r- • •* i - {*;).' «■>,;»■% I : U*- ?a '* 1 J ! I V i - • ,1 .; :''0. 11 - ■- m; !■ - . - I yf • i V - * k ‘ * v„ 0 :. mm. tv 1C UK a L •: :■ f . ... at ... . ... $ 1 ■ ■' ■ • '• • .. .. .-•U4-X*- • • ].:■»& " .,/*5‘." M ■ •*" „ I, • . £. i' ■ • ■ ■ " .... ‘ f c <-J . a fV r •. ■ i J ' y ' ■ . i f' .• •- - : . f ; . : : • • * ■ . i ■ ' ■ ' ‘ ,5 i . *- ! • M' ^ MCK ,! - • «> a , 5 » . i 1 . - ■ ^ $tf. Y n'l ; b: < i ,• c : . V- i t ,4 '• v. : . • i.. i ) » - * "■ : ' . r i. - • i ; M • . • ' ' .. . -,v 'i ■•"■■■ - - ^Ot’S’W ■ .. i] . 11 . ... . ... .’. **'■' '* , f • I *1 . I k* *1 t 1 ' . • . • - ; • • • • • . i .. ./ -• • >• -M tic 5 > • '■ 0 . . X : J.r • • .. . r widower) survives, shall be charged to “03—Pension to Children.” Where neither widow nor children survive, the entire amount of the benefits paid on account of any dependent or dependents wholly dependent shall be charged to “04—Other Total Dependents.” In no case shall any part of the benefits paid be allocated to “05—Partial Dependents” where at least one beneficiary is wholly dependent. (d) Rule (c) applies to all Compensation States except as follows: Louisiana, Minnesota, Nevada, New Jersey, New York, Oregon, Pennsyl¬ vania, Vermont, Washington and Wyoming. The explanation for this rule will be found in the fact that all compen¬ sation states with the exceptions noted provide practically the same general method of payment which is this: The number of beneficiaries does not affect the amount to be paid. The same percentage of the weekly wage (50 or 65 or 66 2/3% accord¬ ing to the State that we are dealing with) is paid for a definite period in the case of one beneficiary as in that of two or more beneficiaries. Thus a widow with five children in the State of Connecticut will get no more than a widow with no children at all, everything else, of course, being equal. In these States the existence of a widow eliminates all other de¬ pendents from participation in the benefits. Children of deceased workmen, where no widow survives, become the sole beneficiaries. Dependents other than widow and children are entitled to benefits only when no widow and children survive. Partial dependents are entitled to benefits when none totally dependent survives the deceased. Note: For the sake of simplicity the rules regarding allocation of payments in the States of Louisiana, Minnesota, Nevada, New Jersey, New York, Oregon, Pennsylvania, Vermont, Washington and Wyoming cover cases where the beneficiaries are the widow alone, widow with children, or children alone. * (e) Method of Allocation in Oregon, Washington, Wyoming. In these three States a flat amount per month is allowed for a widow and an addi¬ tional amount for each surviving child. Where a widow and children are the sole beneficiaries, the amount of the benefit in excess of that which the widow is entitled to shall be charged to “03—Pension to Children.” NOTES. Oregon—Widow $30.00 per month; for each child $6.00 a month additional; total not to exceed $50.00 per month. Washington—Widow $20.00 per month; for each child $5.00 a month additional; total not to exceed $35.00 per month. Wyoming—Widow $1,000 in a lump sum (irrespective of wages earned by deceased); for each child in addition the present worth of $60.00 payable until 16 years of age, the aggregate to children not to exceed $1,000. (f) Method of Allocation in New York, Pennsylvania and Vermont. In these States the benefit to a widow is a certain percentage of the wages with definite maximum and minimum limits as to wages. In case of widows with children the percentage of wages is progressively increased with the number of children the widow has. The method of allocating the death benefit in the above States can best be explained by means of an ex¬ ample in the State of Pennsylvania. 1 Deceased earned $35 per week and left a widow with five children. The widow with five children is entitled to 60% of $20.00 (maximum wage allowance) or $12.00. The widow alone is entitled to 40% of $20.00 or $8.00. The differ¬ ence (or $4.00) to be allocated to “03—Pension to Children.” 20 /„ 1 . * p v ** * ■-. .,,. .- ' • ••>■' : '■ ■ *■-»•- jr.. .|. -iftiia/l*- ()) 9. :, 5'«. ,/ »*** * , \ ,n , a n , ■ ]} •" ■ 3 ■ ’ : t ■. * ■ *■ - ■ .&.*• VU V t *. • ’ • ♦. ... ; • • * "•• -W > ; -v ! rr * - -,<■ >{Vm ' „ • -.> , I'M; • % ~ 1 ' ’ t'.ftujm v ' ^ n. ,■ .. :,V. - • > '■ slc».-n l- ' . . -• - , W ♦yvod* -‘i ■ • Yi H J , It . # < ‘ 4 . . ** » . ' •• - v ' '• ^ fry* {■-• - v KHV* t Os* -1 ix is ‘ *& ■’ NOTES. New York—Wages not taken at more than $100.00. (No minimum wage provision.) Widow alone 30% of wage; for each child 10% addi¬ tional, the aggregate not to exceed 66 2/3% of wages. Pennsylvania—Wages taken at not. more than $20.00 and not less than $10.00 a week. Widow alone 40%, widow and child 45%, and so on up to 60% in the case of a widow with four or more children. Vermont—Wages taken at not more than $25.00 per week and not less than five dollars. Widow alone 33 1/3% of wages, increasing to 45% in case of widow with three or more children. (g) Method of Allocation in Louisiana and Minnesota—With one excep¬ tion these States provide practically the same method for computing bene¬ fits as the States of New York, Pennsylvania and Vermont. The exception is that instead of computing benefits on the basis of wage limits, the per¬ centages allowed the various beneficiaries are applied to the actual wage and the resulting amounts decreased if in excess of the maximum benefit allowance or increased if below the minimum provision. Though this may appear as a distinction without a difference, the latter method complicates the problem of ascertaining the proper amounts chargeable to Widows and Children, particularly if we deal with low and high wages. The following concrete examples for Minnesota will illustrate the diffi¬ culty and at the same time point the way to the proper method of allocat¬ ing death benefits: Example No. 1. Workmen earning $9.00 per week leaves a widow and two children: Benefits Payable: The widow is entitled to 35% of $9.00 or $3.15 per week. The widow and children are entitled to 55% of $9.00 or $4.95 per week. The law, however, provides that the minimum benefits to any one beneficiary totally dependent shall be not less than $6.50 per week where the wage is $6.50 or more. It is therefore evident that were the widow the sole beneficiary, the cost would be $6.50 and that the presence of children in a case like this adds nothing to the cost of compensation. \ Example No. 2. Workman earning $35.00 per week leaves a widow and two children. Benefits Payable: The widow is entitled to 35% of $35.00 or $12.25 per week. The widow and children are entitled to 55% of $35.00 or $19.25 per week. ; The law, however, limits compensation to a maximum of $11.00 per week, which is less than the widow herself would be entitled to in the above case had there been no maximum benefit provision. It is thus seen that in cases of low and high wages the presence of children rarely affects the cost of compensation in these States. The foregoing considerations form the basis for the following rule: Whenever the presence of children does not alter the amount of compensation which would have been payable to the widow had there been no surviving children the entire amount shall be charged to “02—Pension to Widow.” (h) Method of Allocation in New Jersey. The rule pertaining to Louisi¬ ana and Minnesota applies to this State as well. New Jersey is given indi¬ vidual treatment owing to this condition: In providing the basis for com¬ puting death benefits the Act does not consider dependents from the point of view of their relationship to the deceased workman. Neither is the ex¬ tent of their dependency taken into account. All dependents are treated 21 , ' . • : ; . . .»y»‘ » ■’-r 4 Q u . Ot> ., ,r m -- ;? ; ;1 , r *, , -, *.. a. >*» t ' •■ < ;■■' «■: ; ^ :'»l *%*■> . •' •••* ■ : .. , ,; .. j;.. > ■ :: - *.'•**• - •• a-VI ■ - AS.:-!" tc «>.«!•* »“* <4 t*** » -'I iii vbn . v S-i* tt*& *■ * '< ■ ■ 7 ' VI- ‘ • •' ' ‘ " '■• ■'■ . ■' i • : <0 'to - ■ ■ - "q ■'<' * ,£ > v - , ' lf * ri t , J" . , 2 , fT{ ff. ’ i (X)fi ’ ^ - , '■; „ > s ~ <. «.;■ >rn? ; ■■: ■<■■> » i.v, .1» ‘BA > ‘ ' : ’’ ‘ -..^^Uuwl i>;m ."t ' b»~ ’ r (M % . ^ vir: ,T./'J*r -••< i -,Su . Jr -T . ../J « ' ■'* ■; ;>*; V . ■ , ,: - : • -■;( : : i .... ■■ . ■ 1 '•■ ■■>'■ ■■’ ... >•:**:*•< cj «i b 9 H^ i** ^U>bn*^fc Jvftuci «■’ 1 . ****** <>f )y *y*; . . - v< > - :■ t •"* •-'••' - r ~ ' : ,J ' ■' ' ? - Lr - .’W^sa r*■ v- '■•a Mil *S • r1 -- >1 '■ y .->!} • • ." ‘.-f - >-••'••••«.-nr- * •>■ •* • . . r iQHJSjBM ■ * - ‘v • •'• •• • ' - SECTION 4—OUTSTANDING CARD. 54. All Other Fields. The rules for the following fields are the same as apply to corresponding fields on PAID ON ACCIDENT cards: Designating Number Accident Date Cause of Injury State Sex Nature of Injury Issue Per Cent Imp’t Weekly Wages Classification Age Group The information to be entered in the remaining fields shall be handled in accordance with the following rules: 55. Outstanding Medical. The estimates of outstanding medical shall be stated in dollars only, all fractions of a dollar if fifty cents or more to be counted as one dollar. 56. Column “Kind” in Estimated Outstanding Duration Field. In this column shall be punched the proper symbol to indicate the group to which the injury belongs, the classification of the injury to be in accord¬ ance with the Kind of Injury code. 57. Column “Weeks” in Estimated Outstanding Duration Field. (a) In this column shall be punched the number of weeks of future duration estimated as of date to which the completed experience has been brought down; any part of a week over three days to be counted as a week. (b) Duration with reference to this column shall be taken to mean the duration of the period during which payments are estimated to be due. The outstanding duration will be indicated in all cases when the injured person is entitled to benefits under a specific schedule or for the maximum period allowed by statutes. Other cases will require a careful estimate of the duration of outstanding disability. (c) If several kinds of disability are comprised in the estimate the out¬ standing duration of each kind of disability or payment must be reported on a separate card. (d) If the duration of payments is for life and the same rate of weekly benefit is paid throughout, as in the State of New York, do not punch anything in the “Weeks” column, but instead punch the letter X and the symbol for PERMANENT TOTAL in column “Kind” and write in ink in the “Weeks” column the age attained by the injured on the date from which the outstanding estimate is computed. (e) If the duration of payments is for life and the weekly benefit rate is reduced after a certain period, as in the States of California, Illinois and Nebraska, do not punch the “Weeks” column, but instead punch the letter X and the symbol for PERMANENT TOTAL in column “Kind” and write in the “Weeks” column the attained age, the number of weeks estimated to be payable at the full rate, and the reduced weekly benefit payable there¬ after. Note—Fatal cases are considered in the fatal section of the plan. 58. Weekly Benefit. In this field shall be punched the amount of weekly benefit the injured man is actually receiving. If the payments are at intervals other than weekly, multiply the amount payable at each interval by the number of in¬ tervals a year and divide the product by 52 to reduce to weekly basis for the cards, using dollars and cents in each operation. 59. Computed Reserve. (a) Estimates of outstanding weekly indemnity payments are to be com¬ puted by the companies and punched in Non-Fatal cases in this field. 23 : rj? : nw ~4 r,:: ini lo *«J3eO .. " v; •■■ ■ V: , lil ' ... f h ■;•■ l -rln ;.rrt i ri • vi^o ^rr* tr ** . v-j -V ;... ■ • V - : i • i g.‘> fmi:: ^ , J 4 .10!> U : - : : #iL?. :> -JCO ’’ -i • 1 f ' • , ■. ■'< ■ • ’ 5 :- M •= • '■ ' Ji0 ,- ; J /' ! . . ' ■.> 5itt •IftcptuteJ sdt ■* » ■ • •■■■' •: •V. •, : C l'/: > : r' • ’-’4 ' ' h - '' ‘ ::i - Xl •'■ - J * -' ’;-U . !?.',■:? ‘io: " AX •> X' • *»-«' ; - ■ ,YH Lrtjj (ifQtMo:- (b) If outstanding payments are expected on account of several kinds of disability, the reserve for each kind of disability shall be separately com¬ puted and reported on an individual card. This rule is to be applied in con¬ junction with Rule 57c for outstanding duration. Note: The total reserve will be obtained by the Bureau combining the figures reported in this field with the figures reported in Outstand¬ ing Medical field. 60. Counter Column. (a) The digit 1 in the Counter column of the Outstanding card shall be punched for every outstanding accident even though the accident has been counted on the Paid on Accident card. The reason is that the two cards are in different classes; one is for recording the number of claims upon which payments have been made and the other is for recording the number of outstanding claims. (b) As in the case of Paid on Accident cards, whenever more than one card is punched for a single outstanding claim the Counter digit should be punched on one card only. 61. Method to Distinguish Paid On Accident Cards for Outstanding Cases From Such Cards for Closed Cases, So That the Entire Duration of Disability in an Outstanding Case May Be Ascertained. The “Paid on Accident” cards reported for cases which are still out¬ standing shall have the position Y punched in Counter column in addition to digit 1, and shall be kept together with the Outstanding cards. The companies shall also furnish a list of outstanding claims, giving claim or some other designating number, weeks and amount paid and weeks and amount outstanding. 62. General Instructions for Punching Cards for Outstanding Claims. If both a Paid on Accident card and Outstanding card are punched in connection with an outstanding claim, care should be taken to see that both cards carry the same information with respect to the “Sorting” fields. 24 i ■ . ry J> *’■;< ,:>8't Qti .n^W • . - - ... ' - W *•••: .V..- . ■ f ; ■ ft " 1 : •; "■ ,; . , ■ ■ . . SECTION 5—EXPOSURE CARD. 63. Sorting Fields on Exposure Cards. It will be noted that the fields entitled “State,” “Year of Issue” and “Classi¬ fication” appear on this card. By means of these fields the accident ex¬ perience in a given classification, for a particular year and State can be related to the exposure for that classification, year and State. The experience as to the exposure is to be reported in the fields entitled Payroll, Rebate Payroll, Premium, and Rebate Premium. 64. Payroll and Premium Fields. In the Payroll and Premium fields shall be punched respectively all pay¬ rolls and all premiums irrespective of whether audited or not, including additional wages and additional premiums. A detailed description of the methods to be followed in punching exposure experience will be found in Rule 3. 65. Rebate Payroll and Rebate Premium Fields. (a) The fields “Rebate Premium” and “Rebate Payroll” are for return premiums and reductions in the wage expenditure upon which they are based. These fields were provided in order to avoid the use of Contra cards in connection with exposure experience. (b) Rebate fields will not be used when experience is first reported to the Bureau. It may happen, however, that in reporting exposure develop¬ ments after the time of the first report to the Bureau, that a net figure will develop that will show a decrease in wages or in premium for a classi¬ fication (if the company reports by classifications) or for a policy (if the company reports by policies). In such cases the Rebate fields are to be used to report the amount of reduction (not the reduced amount) in wages or premiums or both. 25 .... . l - - "< no.**!*'?*' «*♦ k ■>*'*’ • , ,/v. , 4> • v>y w b-jH* > i.“ tf -• V . ■ . .... ;t : ,!i. ■- .abbri {wtaifcn ■ r. , :■■■•■■ ; 1. ItJ •; ' ; ^ •'* •' .bi./’S ftwitrwft ■'».*«*»!* he* , , . . ^ .:■• * "t u :r ^ ’ •" . . ; « W •; f hi , ■ ”.<* • • .. 1% SECTION 6—CONTRA CARD. 06. Purpose of Contra Cards. These cards have been devised to provide means for correcting informa¬ tion on accidents previously reported to the Bureau on “Paid on Accident” and “Outstanding” cards. Contra cards are of two kinds—“Paid on Acci¬ dent” and “Outstanding.” Each has the same form as its opposite “Posi¬ tive” entry card, the color only being different in order that entries on these cards may be distinguishable as reverse or contra entries. ENTRIES ON CONTRA CARDS MEAN THAT THEY ARE TO BE SUBTRACTED FROM THE TABULATION OF THE POSITIVE CARDS. 67. Occasions Requiring Use of Contra Cards, and Method. (a) FIRST—When an Accident Is to Be Eliminated Entirely. In such case punch digit 1 in the Counter column, and at the same time punch in the other columns what has already been punched in connection with the accident. (b) SECOND—When Information Pertaining to Any of the “Sorting” Fields Is to Be Changed. This requires first the elimination or subtraction of the accident and all of the information pertaining to it from the tabu¬ lation of the positive cards, which is accomplished by the method described in rule immediately preceding. Then on another “positive” card is punched the correct information in the field concerned and the original information in the rest of the fields. In order that the accident be counted again, the digit 1 must be punched in the Counter column. (c) THIRD—When It Is Desired to Reduce an Entry in Any of the “Adding” Fields. In such case only a contra card is punched according to the following method: Punch in the field concerned the amount of reduc¬ tion (not the reduced amount), and punch the original information in all of the “Sorting” fields. Do not punch the other Adding fields or digit 1 in the Counter column. 26 . ' ; l ■ ■ . ... • , ! ■ . SECTION 7.—DISTINCTION BETWEEN “KIND OF INJURY” AND ‘ KIND OF PAYMENT.” The purpose of the “Kind of Injury” column is to classify all accidents in accordance with their gravity. The nature of an injury may be complex from the very beginning, or may change from time to time. Nevertheless, each ac¬ cident must be placed in a definite group according to the most predominant feature. The purpose of the “Kind of Payment” column is to analyze payments made. Many injuries call for more than one kind of payment, as for instance, dismemberment may call for temporary total disability payments, then for specific dismemberment payments, and for additional payments for either tem¬ porary or permanent partial disability. Some difficulty is created by the use of similar terms in both columns. This is unavoidable, but is easily overcome if the distinction between an injury and the resulting disability is carefully kept in mind. Detailed instructions as to grouping of injuries and classification of pay¬ ments are given in the following rules. PART 1 DISTRIBUTION OF INJURIES INTO GROUPS ACCORDING TO GRAVITY (IN CONNECTION WITH “RIND OF INJURY” COLUMN) 1. Temporary Total. To this group shall be assigned every injury which totally disables the injured person from performing any work at any gainful occupation without involving amputation or a permanent loss of any function, but from which injury the recovery is so complete in time that the workman is able to re¬ sume work in the same or other occupation and earn the same wages which he earned at the time of accident. To this group shall also be assigned every injury where the resulting tem¬ porary total disability, as defined above, is followed by a period of temporary partial disability described in the paragraph immediately following.* 2. Temporary Partial. To this group shall be assigned every injury which does not involve ampu¬ tation nor result in the permanent loss of any function; which does not dis¬ able the injured person from work in the same or other gainful employment, but which, for a time, merely impairs his earning power. The decreased earnings may be due to inability to work full time, or to turn out as much product (if working piece work), or to inability to do heavy work and accepting lighter work at lesser wage. 3. Permanent Total. To this group shall be assigned every injury resulting in loss of both eyes, total loss of eyesight or mental faculties, paralysis or any other condition permanently incapacitating the workman from performing any work at any gainful occupation. Certain injuries are conclusively presumed to constitute permanent total disabilities. In other cases the awards by Industrial Boards and Courts will indicate whether the injury was adjudged permanent total. In other words, the Act itself or the interpretation of the Act by Industrial Boards should govern in this matter. ♦Temporary partial disability is very infrequently the immediate result of injuries: it is usually preceded by a period of temporary total disability. It is evident that an injury resulting in both total and partial disability must be designated either one or the other. Injuries first resulting in temporary total disability, will, throughout, carry the designation “Temporary Total.” The fact that it was followed by temporary partial disability will be brought out by means of “Kind of Compensation” column where the duration of and the payment for such disability will be indicated by the symbol for Temporary Partial Payment, “12.” 27 'VI A ’Ufiti 'i r. ■ ji.aI ;i ; ; ;r t«y3 • • V 1 «* *. ' . -i. • " < : -oV . i bf'H . >:'• 1 * >rJ a> ’ . , ! ‘ 1 : A ••< •*! .bflJJU *U PG'ld VU * 1 A K> f. V ... !.t O' -.«<•? >. ■ • - 1 i • ' AtaWi nvif... run) 3|,;; ,ao :mil i.iih 1 * «*oi ••I****** * ** r •'*«** '"~: , . • ■ '■"■’ ■ ■ ; , i 1 r»V / ' © ■- ' , •. . : „•? iiV . a$ ■ '• (» r - a-' ■ 1 ' •• \**} V~: • i- .vr ' • : ' iir ' ' v ,;i '" •> *s.f> ■■ f O.WT''" : V. ■ ; <- '••'•" . u-ilii .)} -j^nio • n r* >::? -J 9( >.'- - .'Mi.: S! fW’ V . 5• ii >:* • .».*> .<’• : - ■ V !f . ' •*'> ■ ; ■ ' 4. Dismemberment. To this group shall be assigned every injury involving the loss of member or members or parts of members by traumatic or surgical amputation, in¬ cluding enucleation of eye. Multiple amputations in combinations which render the injured person per¬ manently totally disabled, or which the law conclusively presumes to consti¬ tute permanent total disability, shall not be considered Dismemberment so far as this classification is concerned, but shall be assigned to Permanent Total group. 5. Loss of Use.* To this group shall be assigned every injury which results in total loss of use of that which can be dismembered, including loss of sight in one eye and total loss of hearing in one or both ears. Loss of use of more than one member in such combinations as to render the injured person permanently totally disabled, or which by law is conclu¬ sively presumed to constitute permanent total disability, shall not be con¬ sidered Loss of Use, but shall be assigned to Permanent Total group. 6. Permanent Partial. (Other than Dismemberment and Loss of Use.) To this group shall be assigned every injury which results in partial loss of any function of the body, as of any member, or in permanent physical impairment—such as permanent stiff neck, chronic traumatic neurosis or neurasthenia, weakening of mental faculties, general debility on account of internal injuries, etc. Examples of partial loss of function of members: (1) Ankylosis of elbow joint (often result of compound comminuted frac¬ tures and sometimes due to improper treatment of simple fractures and dis¬ locations) which, though preventing supernation, pronation or other motions, is not the same as loss of use of arm, there being some important functions that can still be performed with the arm itself and the hand; (2) Ankylosis of wrist joint; (3) Contracted palm from infection or other cause, where fingers are not involved; (4) Severance of muscles and ligaments and the consequent loss of certain motions; (5) Ankylosis of ankie and knee joints; (6) Considerable shortening of leg, say % of an inch or more, as a conse¬ quence of fractures; (7) Partial loss of eyesight in one or both eyes; (8) Impairment of hearing in one or both ears. 7. Disfigurement. To this group shall be assigned every injury which results in FACIAL disfigurement, even though accompanied by temporary total or partial dis¬ ability. Facial disfigurements concurrent with dismemberment or loss of use are excluded from the group and shall be assigned to dismemberment or loss of use group, as the case may be. TO RECAPITULATE. Injuries producing temporary total disability, as defined in paragraph 1, and nothing else, or temporary total disability followed by temporary partial dis¬ ability, and nothing else, shall be classified as Temporary Total. Injuries producing temporary partial disability only, as defined in para¬ graph 2, shall be classified as Temporary Partial. Injuries resulting in permanent total disability, as defined in paragraph 3, shall be classified as Permanent Total. Injuries involving amputation of members, exclusive of combinations ren¬ dering injured person totally disabled, shall be classified as Dismemberments. •NOTE : An injury involving both amputation and loss of use may be assigned either to Dismember¬ ment or Loss of Use group, the choice to be governed by the predominating feature of the injury. Thus, an injury resulting in amputation of a finger and the loss of use of a leg should be placed in the Loss of Use group. 28 * . ; > ••>7:U V- 1 -^ : '• " ' V '' U •»u 12 ■ . . . ..... , 7A. I -• ,..■■■ -Mu ' r ~’> ’ \ , ' ' . ' a*U49 bC'i IV StTQ jffi iC UWfai.i. U: . .?> M . \t* !• i? -a *••'>' . . :• :• . •;• ■ h;j yVVi i<> * it ' 1 ' • '■•' *?» •-’•/ •3d v • v. •:>• ■- ■ ; • .« V •' '•• ' ' ‘ ' • il' ! • z ,ii- i\ ’ii . V .... V, •& i&lpl C* * ■ 'iuJlfll ■ ■ Injuries resulting in complete loss of use of members, exclusive of com¬ binations which render the injured person permanently totally disabled, shall be classified as Loss of Use. Injuries resulting in partial loss of use of members, ets., as defined in para¬ graph 6, shall be classified as Permanent Partial. Injuries resulting in facial disfigurement, and nothing else except tem¬ porary total or partial disability, shall be classified as Disfigurements. PART 2 CODE FOR KINDS OF COMPENSATION BENEFIT PAYMENTS. (IN CONNECTION WITH “KIND OF PAYMENT” COLUMN) DEFINITIONS. SYMBOL. 11. Temporary Total Benefit shall mean the payment which is made for the time the injured party is rendered temporarily totally disabled, irrespective of whether such disability is in connection with Temporary Total, Dismember¬ ment or any other class of injury. Temporary Total benefits are paid: 1st. In all states for an injury which, for a temporary time after the expiration of the specified waiting period, totally incapacitates the injured from all work: 2nd. In Massachusetts, Rhode Island and a number of other states in cases of amputation and other permanent partial injuries for the period during which the injured is totally incapacitated. 12. Temporary Partial Benefit shall mean the payment made for TEMPORARY impairment of earning power, irrespective of whether the partial disability so compensated results from an injury classified as Temporary Total, Dis¬ memberment or any other class. In other words, temporary partial benefit is awarded for the time the injured workman is working at reduced wages. This means that such compensation is usually applied in cases where the injured returns to work before he has fully recovered from the injury or become fully reha¬ bilitated, and, therefore, unable to earn as much as he did before the acci¬ dent. Temporary partial payments may begin immediately after the termina¬ tion of waiting period or after a period of temporary total disability. 13. Permanent Total Benefits shall mean payments made in the case of injuries conclusively presumed by law or judicially determined by Courts and Indus¬ trial Accident Boards to constitute permanent total disability. In some instances it is often impossible to predetermine whether the injury will result in temporary total or permanent total disability. If, as a matter of policy, or because the physician holds out hopes for complete or partial recovery, the case is for the time being designated as temporary total, it may be treated as such until the expiration of the maximum period. Upon completion of last payment change the designation of entire payment from Temporary Total to Permanent Total. It will be admitted that failure to recover in 400 or 500 weeks makes the likelihood of ultimate recovery rather nil, and for this reason the disability may from the statistical point of view be safely considered as Permanent Total. 29 •v>•> • o - M ift-m Cs i! mviintZ. ^ ■ .Unie‘i. vi Etd'4 x .Uy-vm- •/> : r ' • ; . i v : '.’ :-• . ili-xi.:' .yj r ■*■■•*■’ « u *- ;,} ‘• • " ;• /i ./■ r /f ? a /• -:. ! T\ •5=«:. iO * * i lif ?•>- : iv' i > . -• -* -M • • . • •. »• »«M ... : . :•• ■ iCumiK : t \v ' - - m -V- '*! ■" '• u k $. ... ■ lst<• • ; • - - > . .. as , , : r - ' 1 ■' £ ■ " nm\ . i: \ • ~ r ^ * * * - • ' . ■ ,:,w • u-.'^ v f- n fc ct.ui * i.;;-* -;.h :«• - i st'f »c + *vaJ.i -;*? -j , ; y ■ • , J Uuf **-.« •••** '*• . ■ •' : 1 ; .• '* v "• • • ■ ■ _ •*■•; - ... . • . . ... . sryj.j?, u y ;?•: ■. • i. < s 1 i - ■>- - 1 ■ Sj-al Tt,’ £-.*.:«? : ‘»t.| U' (Jfl> ' liJJJ ‘‘' ’* '• ' ;|l> ' ‘ 1 •" ’• *! v; Y-.,.: : :• V> ■ a., i • - ‘ v ‘ : ■■ * J - l i j. " . -J * r- - » 'V • 14. Dismemberment Benefits shall mean only that portion of payments made in tbe case of loss of members whicli is based upon the specific or fixed num¬ ber of weeks allowed in the Act. In States providing specific indemnity in lieu of all other, the entire benefit shall be designated “Dismemberment.” in States providing other benefits in addition to specific, only the specific benefit shall be considered a dismemberment payment. iNo part of the benefit shall be designated Dismemberment in States where dismember¬ ments are compensated on basis of tune lost from work and impairment of wage earning power. 15. Loss of Use: Since Loss of Use is compensated in all States on the same basis as Dismemberment it follows that the remarks under “Dismember¬ ment” apply equally as well to “Loss of Use” payments. The specific benefits paid in cases of total or partial loss of use of that which can be dismem¬ bered shall be designated as “Loss of Use” payments. 16. Permanent Partial Benefits shall mean only those payments which are made for PERMAN EN T impairment of earning power and nothing else. The term Permanent Partial shall not be used to designate a payment for dismem¬ berment in States providing for such injury, compensation based on a fixed number of weeks in lieu pi all other compensation; nor should it be used for this purpose in illinois and States having similar laws where compensation for permanent partial INJURIES is based on temporary total disability in addition to the specific indemnity. The term Permanent Partial as applied to payments should not be con¬ founded with a similar term used in our classification of injuries and in all Compensation Acts to designate such injuries as amputation of finger, hand, ieg, etc., or loss of use of such members. The confusion, if any, arises from the failure to differentiate between “Permanent IJNJURY” and “Per¬ manent DISABILITY.” A laborer does not necessarily become permanently partially disabled because of the loss of his little finger. In a short time he can wield his pick and shovel as well as ever. In Massachusetts and Rhode Island a case like this would be compensated on basis of time lost from work (Temporary Total Payment) in addition to the fixed (Specific Dis¬ memberment) sum allowed for loss of finger. IT IS TO BE NOTED THAT THE TERM PERMANENT PARTIAL IS NOT USED AT ALL IN THIS CASE SO FAR AS IT CONCERNS THE KIND OF PAYMENT. Should, however, the loss of finger upon his return to work prevent the workman from following his usual occupation and force him to do work at a iower wage he would, in above States, be entitled to further compensation for the impairment of his earning power (50 °/o or some other percent of the difference between his former wage and the wage he is now earning). If the impairment is only temporary, the payment should be designated “Temporary Partial;” but if the impairment is lasting, or at least continues for the maximum period fixed by law, then the payment is to be designated PERMANENT PARTIAL. 17. Disfigurement Benefits. Payments shall be considered as such only when the award by the Industrial Board specifically states that they were made under the Disfigurement Section of the Act. In CALIFORNIA and one or two other States, such compensation is only paid for FACIAL disfigurement. It is only in ILLINOIS that disfigurements to hand (including amputation of fingers, with or without involvement of metacarpal bones) may be com¬ pensated under the Disfigurement section. If the files indicate that the loss of fingers or a similar injury was compensated under this section, then the payments must be shown as Disfigurement and not Dismemberment. 18. All Other Compensation Payments. This classification was inserted in the code to provide for amendments to laws establishing forms of compensa¬ tion other than those enumerated in the code. Its use will readily suggest itself when the proper occasion arises. 30 p. ■ ,ii ; X\ 1 : U 'i l -v • .v-'\i5 i.' : <** . . a u. , .vi i *,o - U* . - - i. ,.. fit lil X0 n» •ji'i.- * , b&VV K* ' 111 . *i • •Ji;CU axil Ottt *ii>wv*v,en. ‘ ; . ‘ ■ , » l. . ■ i ■ . ' il ■ - ' • . , Ou>./.nfj j! •- ■' • ■ K, >■ ■ ’>’• •'"' • ■■ ' .<4 ^.UfAVjXV* JiW u ,,v.-jfc 1 , • ■:■ ti • • :o ; • X - ''V • : • ? ■* .. Z^a: ... r;- v **.. ; i . >.u: is -r.r:a u-awiU fc-; . ■ ;w> *• • t • i ••> ... -i/' ...» ;. t'« T * -ol i "'•* • l ^ ’• • r ’ > ' ' ■*' ' 1 ..c ,o Stood*’ ■ ** K d' -bmM n . • s .9 -(.ti rr vV >.v V^'u, ;- i-i. ' • >' * ; i u; • * • * •» ■* ^ 1; . ii f>. ■.> ■>.,• '■ . '.'i> K ,V* V- f i ; u ; • ■’• '■ ■ ‘.- 1 ' : q y, ; t/.V SV. . i> ■ • - ::i ' ' v • A " ;tt ..iO •• j ‘‘‘ ■ - ; i; * ' • *'* 11: ' ... -U- 0-5 ; iC v> .. • L X >1 •) 4'. .-js-iOJMiii- > .i.ii.-) b/1’; . ' ■ . ;. L fi-r.lV i»VJ\ * J *■■ »15 l • H j V.'-j"(XiOf- d ‘ ; • ^ V . i- i . . \ 4 - . ■ -J l . “ : ‘ ' X. it fi.v, Wi^v >.b\ :• : ■fcivt * :1H- i \ a) 'Vixiil tiaxovi O' ■.'I 1 A ••U i JA TA ffcS . > - ✓ , ^ ht • f i v , r% ‘ • . . . . .i 1,. : as :■ . ’• .1v .. . Ji- '! .'Xi ' tt&rt ' -ol P iJ.C'iv.tv-' • - : ri <*i hsfc >■' K ri r r. > • *•* ’• «’-• ■ *X0* < ^ > }J ,0 Jf • ' - ■. 3ci TO : • • »'V V; -,/w U 1 • ;.«»* 1C ’ .X- 1 - > n-• u si • * uMi »xi-' ; £ ; .a r„ % n v , »* *tv o;i:. -i ' • -: •< >x.;. ' u •; :: ■ • •: r - . •' 4'V f % : ' ’• <*'• ' " ’ . -f '- h j •- r:or. 1o «f>noi t > Itfi- TO* :»!>* jj .'ho fet' ■ ! .j) • ••-. a', .o ! J ■)‘-j • -■ ii r-.u' • -Ain. 19. Liability Claim Payments shall mean amounts paid to an injured employee who either has elected not to come under the Workmen’s Compensation Act or who is excluded from compensation benefits under the Act and re¬ covers damages under Common Law. See Rule 18 for a fuller treatment of such payments. NOTE : The entire amount of the benefit paid in the State of California for permanent disability in all cases of injuries classed as Dismemberment, Doss of Use, or Permanent Partial, shall be designated as Permanent Partial Payments (symbol 16). NOTE. •n . For ben . efit of.those companies who have already punched the experience for any policy year we will state that it is not intended to have them repunch the experience for such years in accordance with above described method. Rather than inconvenience them the Bureau will get some of the desired informa¬ tion by means of other fields on the cards. In the. case of companies who have analyzed the experience to any extent, but have as yet punched no cards, it is earnestly requested that the analysis, as respects the “Kind of Injury” field, be corrected in all cases where more than one Kind of Payment was made on one accident. ... This will concerni but a small percentage of accidents—one per cent at most. We feel that the slight .,. lt i onal worli which this will entail will be more than repaid by placing the statistics on a basis which will be comparable with those tabulated in future years. PART 3 METHOD OF CORRELATING THE BENEFITS FOR VARIOUS DISABILI¬ TIES PAYABLE ON A SINGLE CASE WITH THE CLASS OF INJURY PRODUCING THE DISABILITIES. To compute the differential for a new compensation law and the added or lesser cost on account of amendments to existing laws, it is absolutely necessary for the statistician and the actuary to have certain data. They must have not only the proportional distribution* of different kinds of injuries and the average wage obtaining in each State but, what is most im¬ portant of all, also the duration of different kinds of disabilities resulting from various injuriesf as this is the principal and, at the present time, the most ob¬ scure factor in determining the cost of compensation. Hence, one of the most important purposes of the plan for securing and compiling Workmen’s Compensation statistics is to determine the duration and the kind of benefits awarded under various Acts for different kinds of disabil¬ ities resulting from injuries broadly classified as follows: 1. Temporary Total 2. Temporary Partial 3. Permanent Total 4. Permanent Partial—Dismemberment 5. “ “ —loss of use 6. “ “ —exclusive of 4 and 5 7. Disfigurement. As an illustration of our meaning in the foregoing paragraph, let us take a dismemberment case in Massachusetts. In this State such a case may be com¬ pensated by three different kinds of payments—a benefit for the period of tem¬ porary total disability, another for the period of partial disability, the third being for the specific period allowed for the loss of member. Here we are confronted with a problem. The limiting conditions of the punch card do not permit the punching of more than one kind of payment on one card. Unless means were adopted to identify each one of the payments with the class of injury which gave rise to the different disabilities the Bureau when tabulating the experience would have no way of knowing whether the duration of and the payment for, say, temporary total disability was in connection with a dismemberment injury or one in the temporary total class§. Therefore, to enable the Bureau to allocate ♦The proportion of various classes of injuries—Total, Permanent Total, Temporary Total, Dismember¬ ment, etc., to the total number of injuries occurring within a given period of time. tAn injury involving amputation produces total disability for a time, which may or may not be followed by partial disability; a laceration of the hand may totally disable at first and then partially. § It is true that the various payments in dismemberment cases can be allocated to this class of injuries by means of the Nature of Injury field ; but this is the only instance where this field can be utilized for such purposes. 31 ■ . ■ . r. * nw * uw*i i- ■' ::\iOU! A-Ate ' ■■;■ : -. J i./ «ii.- 'tv '»*'•' '■ i '' «< . .rtnii r.j» ■ . .1 .-'’ft $ i-, *V ■'* ■ u * : *■ 5. 8>a i • • .a? • ;>^niiCKW ^ n/ii •40 b‘0;-:f 0, ’ r ? a. ii • ;i -V ; - J ' « jW.avV'i U sj i W.’ 4atm < ga .? v. cU a i ,f v . i< b 5 : -f* w- a 'a ^ - a- • u»nb ttiii,-v.- c; ** *> Ml ; : ^^.3 ; •*• yw 9‘ . •••; *>: • ota'aa:' k . .. 4 i. £'■ 1 j :» •: • ' : rf3Y .a :u!;, .'ia,, .< v. «*J > *k* « “'tefe !f 1 1 aTlOR ' . ; ...... ...... . . .t •- i- i•'.! fe^Ol - c h •; k 'JO • J 3 .rt.-.vx. -i,ff 'Ei ? r<«-:ra; ••a- '■ aOiijttlatftfi mi *A • • ■ . : . '• • k' "? I.. a.; Cff ia.v.. 5n- s. , C*KJ.a -miao >. -io ff Ciu| .0 ft : >ra:a JftaTa U> aa- •*:■ 7/'. b 1 . •* a la; -:q sii vjiw'-•••’ aiioamlaa ; -. .-ii lC*f jv 0 *:•. fta"; •> v r ' jjntiu w ajfT q . rtfirw ,;: feCi 4 u*iu Hi d? <«djir > saii^awj i >ai t ru .••; . ..rJ, -ji »ia. V, ‘*»io v^itft v .»bi ol boiqywjfe xwr?::-.' -; ,• j • a ; f «.« » ? • a rdajn-i 3fU a f>.- '■ : n a; i n«w joVi- r-a-r.il'. :.: ir '•: ; a a fil s** Im^ /tir a-r: al .\hb r^i.; ■ :■'. -V .,.uiV iituT **•/’. -uiuf itvtt. i V; -ifo *« n. .:.>**»« •• .. : ■•:■■ .l t& .' • ■■• ’.:■■• L"’- • • > . "• , n-.. it: ... li *•• VI- >iw .--.NV •■• : f.. .-•ar. «-‘- • ,» .. ..:i j. n- • '-Lt‘ ?;<• «: t.-.5 . rfe.t uit.n ‘ ‘ ■ • • 1 ••**•'• ■ the payments to proper classes of injuries, a column has been provided on the punch card entitled “Kind of Injury.” In this column will be punched the injury in accordance with the directions given in the definitions for “Kinds of Injuries.” In the column headed “Kind of Compensation” will be punched the symbol for the particular kind of payment made, in accordance with the definitions for “Kinds of Compensation Benefit Payments.” The designation of payment, of course, will always correspond with the kind of disabilities compensated. In “Duration of Injury” field will be punched the number of weeks during which the particular kind of benefit was paid; with waiting period added in case of temporary total payments. Thus it will be seen that the duration is associated with the kind of payment and not with the kind of injury. The following illustrations show how the information will appear on punch cards. (1) An injury in any State resulting, for example, in temporary total disability of 10 weeks’ duration followed by temporary partial disability of 5 weeks’ duration. % Impairment Kind of Injury Duration Weeks Compensation Paid Counter Kind of Payment Amount 1st card Temp. Total (1) 10 Temp. Total (ID $56 1 2nd card 29% Temp. Total (1) 5 Temp. Partial (12) 10 0 (2) Dismemberment Case in Massachusetts receiving three kinds of Benefits: % Kind of Injury Duration Compensation Paid Counter Impairment Weeks Kind of Payment Amount 1st card Dismember. (4) 20 Temp. Total (ID $180 1 2nd card Dismember. (4) 50 Dismemberment (14) 500 0 3rd card 40% Dismember. (4) 380 Perm. Partial (16) 1140 0 The attached tabulation of losses in 10515 hypothetical cases gives, at a glance, the results that can be attained by the methods described above. 32 CO w C/3 < U u hH H W E H O Oh E LD ID z I—I C/3 w C/3 C/3 O J b O z o >—< H < J P 03 <5! H T5 0) *— C3 CO C O o. a £ o C/D C/3 0> • *h • pH ro « X 5 o X •on c ’5 3 T3 O Oh >> i- 3 ’-+H o co C/5 u » rt Oh «+H O co 3 O • C3 «*H o c o • I—I *-I « o o P"H 5 c o O o a a> s a 8 o vo o vo a V lO CM < s 'on ? fi O O o «a a O O vo VO Q Q ** CM 05 r* d s o «o »o Z aj rH rH O o o o O o O o O o o o a CM o CM CM CO ON S3 < CM to VO vO y ;Mv i f titfgitiuLW J& air •. k : * It) kiCOS it A. V i :. 1 ' • ttit-'kPsk'fA 80 ■ 1a * • CtfffiaafM IS jstjn wiLCft?) K> £iAi^ii f U 80 k' •■u&Vf '•» :■■■■ .-ii- •'•• * ^ fK> • .. . : ; •. T-i gW/s# TS: ijrffiWjglo^ vO iV, :- ° v: ■ •: -■<"■ . ■ !.-• - •(•..: ; ••• • ' : >. i ! 1 • K ' • r.;u eo • i£Cri<: )bm v.niwoliol i J .•-•»%• V' **. i V ». '**?' : hkf t&V*‘ O'- ;( i«- 9*S.y • ; ••:•• ^ -. > 1 .. ' • ••.."vfmm -■ n r *: £fc --iJsG Ofi i.rti' 1 -n ■• ,£ .H -i ; ,K 'tf; - ■ u ? k< ! >G/SAl*ai *iU<$ip'vi r i tr oomM w*. V: Of. ittoi vroVi If: &tiih'> r uO AreS/l $i> •■toaUU r *■: y/x 8K oi /10 & emoiiiii .->/> &* nv&xk O .-*« rr. >. Utt >hoadtH h 8 nai^Ui' rik' / •iJ^oeO 01 orf«l>' f i u 0 jl • I *wc r M «B .iv .'I j? . *n&H sr tnsA t. :: r £ : jj-j/i'.. .k" -M <*S NATURE OF INJURY CODE. Part 1. The nature of injury field contains three columns of digits. In the last two columns will be indicated the part of body injured, in accordance with part two (2) of the Nature of Injury code entitled “Location of Injury.” The first column is to be used for indicating the nature of the injury irrespective of its location, as follows: 0. Occupational disease. 1. Loss or amputation, including total loss of function. 2. Fractures. 3. Stiffness, contractions and other partial loss of function. 4. Dislocation, sprains and strains. 5. Lacerated and cut wounds. 6. Infection of primary cause only (infected pin pricks, punctured wounds, callouses, slight abrasions, etc., not resulting in amputa- tation or loss of use in any degree). 7. Contusions without breaking of surface. 8. Burns or scalds. 9. All others. Notes. 1. The injury will be indicated by a combination of three numbers, the last two of which will indicate the part of the body, and the first the nature of the injury. Thus 211 will mean a fracture of a thumb, and 105 the loss of a hand. 2. For miscellaneous injuries the last ten numbers of the last two col¬ umns are retained, that is 90 to 99, and here are included such injuries as hernia, concussion of the, brain, etc. Digit 9 (all others) should be used in the first column in connection with such injuries. 3. Where one nature of injury to one member of body is accompanied by a different nature of injury to another member of the body, the nature to be de¬ scribed in this column is that of greatest severity. 36 . (y H. Vi 'U' tf Ti A • »; l* vitnwHo'y •• ! ' i vtteH •> ■ i' -sot*:: &dr n* 'to n* W* b<>Lt;i«y =vho$ rtouti -■ staVi ^ t> - vn: •:!? lo o ■;&> Hijf \:nuwitmi lc f t * 0? ei xitfiuloo Jsrjft-.ftut 'Vaiiol jsfti '•••..«: -di io avit^c^v^vn .^r •‘..••Ju :• iioi •,-q;ooO .0 .nattofttri \o .-tml aoibubtfi .noil Uc s v‘ flBev? tya hn>; ! v fa rtijyjcW - ,->b c :.q V*Jo. ^'nu seutf * ?t*fiTft <7 S' "KHJOOkl ,d -rs.iQ' •; ns r : uli'4iis» .» « ; 0i>4i'£dB Til;#? t 25. r iW0tfs3 ...b'okrwr .toys.-, **; Vi- 1 - f**i, to 2?.ol t.» naV^j .sset-si.**, <•• srtubsnd ;i«off>’W’ • ■/.'okt^nbO .V . (■>:/ k • ■ t. f 1 ’ , . 5 . *?n •• «v.;jjsr rtr? . • vj t ■; '*Vr v/i»rji' 9 f{T .■' U .-• . V ! to . .hm;A •ion > vf»j" •: • ‘UT >‘K,f :• y.[ ed! ■■■■.•!Iti.fr? ln/'i .$ f’: ' ■:••■ :v - Jf'. f ■;•;• sa-it* ,>Mi .■.< --C ■; ..•!•>-< , .-onv . t«*bnj>n iJoqa c ;>>.?>• ’ ■ o, nxr»’?v» j:«fr •v.d Wi^qntosoA v ch 5 iddiSdiit «ir • ©i v utt-'* V "isd:;? • *i «i V ifio ■- ' V ; N ' ; ' . . • f v< -: •■' Jl . •••■ •• NATURE OF INJURY CODE.—Part 2. LOCATION OF INJURY. 1 Arm upper 2 “ lower 3 “ both upper 4 “ “ lower 5 Hand 6 “ both 7 Shoulder joint 8 Elbow “ 9 Wrist “ 10 Thumb one phalanx 11 “ entire 12 First finger one phalanx 13 “ “ two phalanges 14 “ “ entire 15 Second “ one phalanx 16 “ “ two phalanges 17 “ “ entire 18 Third “ one phalanx 19 “ “ two phalanges 20 “ “ entire 21 Little finger one phalanx 22 “ “ two phalanges 23 “ “ entire 24 Two fingers one hand 25 Three “ 26 Four “ 27 All fingers one hand 28 Thumbs both hands 29 Two fingers both hands 30 Three “ 31 Four “ 32 Five 33 Six and over 34 Fingers and parts of fingers in var¬ ious combinations, one hand 35 Fingers and parts of fingers in var¬ ious combinations, both hands 36 Thigh 37 Leg 38 Both thighs 39 Both legs 40 Hip joint 41 Knee joint 42 One foot 43 Both feet 44 Ankle joint 45 Great toe 46 Any other toe 47 Two toes 48 Three “ 49 Four “ 50 All “ 51 Any toe on both feet 52 One arm and one leg 53 Two arms and one leg 54 Two legs and one arm 55 Both arms and legs 56 Face 57 One eye 58 Both eyes 59 Loss of one eye, with impairment of vision of other (use digit 9 in 1st column) 60 Nose 61 One ear 62 Both ears 63 Skull or scalp 64 Jaw 65 Teeth 66 Neck 67 Spinal column 68 Chest 69 Sternum 70 One rib 71 Two or more ribs 72 Shoulder blade 73 Collar bone 74 Abdomen 75 Back 76 Small of back 77 Pelvis 78 Genitals 79 Buttocks 80 Side 81 82 83 84 85 86 87 88 89 90 Rupture (hernia) 91 Internal injuries 92 Concussion of brain 93 Traumatic neurosis 94 Multiple injuries, not otherwise classified 95 Facial disfigurement 96 97 Drowning 98 All other 99 Indefinite or unknown 37 jiaci' » * raw** *o shiutaw • -• •fcv. ; Uffc .:' ' - - ' amo l aji -■■mu •-■,{ !,i!-.5 iS hA^ i\ t ->i»< > T< ,v.a .rii 1 U it s w * <» . .... ■ ;••■*, ..■ '■ • • 0 o/ V ■ •U» : 1 9£jO 13 r. rri ,»•:>*./ * 'i; v M . • >i *. ttb .Iu r • i.** nJKvtol »d *. i-T :4v~: 1u ?>V ■ S 8 •. , .. n ■. ieqnq oJod b;i4H Yfc ■ - • ■ .* •=• •) i ■" V f-S£.;. • ■ .'U •■* t i . I ^ 9 • ; -vJ 7 A V-U r ' ItA • " vifotiis r, iW «. mndlf ‘-vnii ’) ,-H: Urfq SflO < U . . : .* •• 'tJ sn^bvitj -?•;« ’ i ■ HiiAR .. . <• V -•■: :r< Afliilf ••:•> n 1 iO 1 v>n - • ■ fci--;' 7 . U" »* •;}<)' f ,C r ':<- >■ 1 fm f • »tKT . r-ii/o bfli. tic ■ bn ft '« ■ Jfl0> AH JjAoj, fhwtX • ... j w>* ’fk -rA *X : i7i'-> - '/Til i£X?/ 0?rT w {{ T “ Ha CAUSE OF INJURY CODE. PART 1—MANNER OF OCCURRENCE. (IN CONNECTION WITH WORKING MACHINE ACCIDENTS) 0 All other causes 1 Adjusting machine or work 2 Starting 3 Operating and feeding 4 Stopping 5 Oiling 6 Cleaning 7 Repairing 8 Breaking of machine or work 9 Flying objects PART 2—WORKING MACHINE CODE. NOTE: The Bureau has a limited supply of multigraphed copies of the Working Machine Code which may be had gratis on application. This code was not printed both because of its volume and because the Bureau expects shortly to discontinue its use and to adopt in its place one which will be greatly condensed and constructed on a different principle. Those who have not a copy of the multi¬ graphed code should apply immediately. 38 i TH/ . -t>; Cv* r :> . ;i -\u- am ohwp.ovt hti.v t-.f • . vr) ■ " 10 i-.ri>. - vui. • .•< ‘kii i ;vtr : v 'gn &«<; ^ridin^qO :• r, i : •• f -Jf.. ■:; V ■•■•’ > >< *. -■ • 0.j !OXf« .-i*J J3s- H «)M 'pJS&XMi Ml. 9«iufo ' eti !c> «■..« ; >9« riJv'Cf, !><>; ^ tart b stj ‘Ai ■> ft • (j fl* jqt fa Os buffi hil ii - tail ' ’ • i ' v" ! ’ •*{{•>• ' •'.• . .v' ,'>asr? .. r:. ?:• /-•.> /;_• %iqtie. bfoorfis sfto? b */fqv.T§ CODE FOR CAUSE OF INJURIES. (PART 3—CAUSES OTHER THAN WORKING MACHINERY) Power Generating Machinery (Prime Movers). 901 Steam engines 902 Water wheels (no other water motors) 903 Gas engines or internal combus¬ tion motors 904 Compressed air engines (or oth¬ er devices driven by com¬ pressed air) 905 Wind motors or wind turbines 906 Electric motors 907 Dynamos 908 Treadmills and windlasses Power Transmission Apparatus. 909 Shafts and shaft supports 913 Belts (secondary) 910 Gear wheels 914 Rope drivers (hemp and metal) 911 Friction wheels 915 Chain transmission 912 Power transmitting belts (main) 916 Set screws Steam Boilers and Steam Producing Apparatus. 917 Explosions 919 Steampiping 918 Other mishaps Electricity 920 Electric current Explosive 921 Powder 922 Dynamite Combustible, Hot and 924 Explosions and combustion of gases 925 Explosions and combustion of petroleum 926 Explosions and combustion of benzine 927 Flames from ovens 928 Other fires Material. 923 Others Caustic Materials. 929 Hot metals, slag, ashes, etc. 930 Steam, hot water, other hot liquids 931 Caustic stuffs, alkalies, acids, quicklime 932 Poisonous materials 933 “ gases Collapse of Buildings, Structures and Falling Materials. 934 Stones, sand and earth 935 Buildings, walls, etc. 936 Scaffolds and stagings 937 Shorings 938 Piled up materials, lumber, etc. 939 All other Falls From Ladders, Stairs, Etc. 940 941 942 943 944 945 946 From ladders “ stairs “ scaffolds and stagings “ buildings in construction “ windows “ shafts “ roofs 947 Into excavations 948 “ cellars 949 “ wells 950 Slipping and falling on ground, floors and ordinary surfaces 951 All other falls 39 i 'in. - - v °» mkO'i * '• r-v* . , . . ; v TH.ASV . • •*»- "'M ’■ (PIS !• • *3lr-:* -s • -'<• aa ■ .. ; > ,-j . ih (tU ,V> 8H l<3 Kt»n» gX>**$& tOd . »•:: «o Gv; rtooc-r V &06 *' -‘'ii 1 ' ■•> Oi'^i ~I V«' ;«V.* fc-ik- • • ' a- ih> *k ) • my ) fc.0 ( •: "... .■ ■ <■■.:• • ■; ... ■ s; «ur>* - *•? u.: • v; , r* • .. M-r; •’liru’iI . /H Je»»•< >•. •• ■ • * iOriM) Hx h . flfciJ&IHjlfflo..? hf;;i .. iacibbjL\I : 1 W '* : •aijr; k ot:;i T' - . ''i-i/ - “ f4-U ^ & ’if'.).'. ilA bff" fa K ! , •' • " i/». . A’' i a •fi • • 3 ^(: CODE FOR CAUSES OF INJURIES (other than working machinery )—Continued General. 952 953 954 955 956 957 958 959 960 961 962 963 964 965 966 967 Transporting heavy weights (handling, loading and un¬ loading heavy material) Horsedrawn vehicles — drays, trucks, carriages, etc. Railroad accidents Shipping and navigation Animals (kicks, bites, etc.) Riding accidents (horse-back riding, bicycle riding, etc.) Hand tools and hand machinery (hammers, knives, axes, etc.) Flying splinters, steel, emery and other flying objects All others Running into or striking into parts Splinters, slivers, glass and other sharp objects; stepping on nails, etc. Cranking and starting machines and engines Elevators and lowerators Motor driven vehicles Conveyors (including the follow¬ ing) : Hopper conveyor Ice elevator Leg conveyor Malt Package Rotary Scraper Screw “ (paint) Shook Tube All other conveyors Pumps (including the following): Centrifugal pumps Duplex Fuel oil Reciprocating Rotary Steam Vacuum All other pumps 968 Compressors (including the fol¬ lowing) : Air Compressors Ammonia Carbon Dioxide Compressor (brewery) All other compressors 969 Blowers (including the follow¬ ing) : Fan exhauster Blowers 970 Cranes and derricks (including the following): Bucket cranes Charging “ Charging machines Gantry cranes Jib Ladle “ Magnet “ Soaking pit cranes Stiff leg derricks Stripping cranes Traveling “ Wall All other cranes and derricks 971 Hoisting machinery (other than cranes and derricks) Nigger head Steam winch Winch Windlass Other hoisting machinery 972 Extreme heat and cold, atmos¬ pheric and artificial 973 Hot surfaces—coming in con¬ tact with 974 Explosion of glass and metal containers, such as bottles, syphons, carboys, metal drums, etc., including electric light bulbs, golf balls, etc. 975 Assault 976 Drowning 40 ur ■«> rr*'«.-.3 , sqf»iL? -.id. . . • •. • } •: *v .• •' - -Uo: >44 . ... n>> oi . ; (gai - •■■■■■.• ' '■ a'. i aorn. u- lit’ catu to ;] k. ihiS v ■' • c i; •» .•• * v)r • v ;n* f :h i ’ u .v . « at.' ‘'tf.-V/ *i ■ •? > . a 5 f '» •• *5‘i ! KV’ . -V. .-ij <. • • !■ ..‘.r ::♦({! SsJttuL»*>0. ! ; . bfiO’t'&ft Goiinsrttf iK* ; - ( 4»1‘ - : ,:mj. \ ' ' ■ , • •- \oh ■ V.it fc : s .. -• ! I, ■ ■: ! ,>•:»/.-• t es7tfDA enOPI ■ tfi-yhli-i, *. .ill, *i ■■ • v U!t \;.n .-Ui.-ii - ■ S£HV^ ?l V : JlJ • kflU ' o. % • '•■■/so i >: • :• ;0-. . >v 'is. i-. .■'■Hi •Mf9,: --V wi\ iilvitt; *7;«. :» : : . ■ * ■■'■:< iay■ ■ > ■ vp-. v>4.- t>/> sol lO^ViTOr . ' ‘iU *' TXTft'IOr' ( .iL - >) ■ ** ■worse “ jfood?. . Orfr^r t. to '/o; fto 79 -.1 7) n,-\ tvtii V •!.* • ■ t .<1 J)2 ..o' dirtf uiAi ■,n:h'. •> . ,o:i . f .t*> v Ks'.'i 3?« ** tuo )• *' f 7 -. ' ' e-!>tfin - :■ ■ ■ ft A T£'* KIND OF INJURY CODE. 0 1 Temporary Total 2 Temporary Partial 3 Permanent Total 4 Dismemberment (already described in “Nature of Injury” column) 5 Loss of Use 6 Permanent Partial — not Dismem¬ berment or Loss of Use 7 Disfigurement 8 9 41 CODE FOR KINDS OF BENEFIT COMPENSATION LOSSES 00 01 02 OB 04 05 06 07 08 09 Fatal. Funeral expense Pension to widows “ “ children Other total dependents Partial dependents To indicate that the Benefit was paid to the State Payments made prior to death Liability claims Non-Fatal. 10 11 Temporary Total 12 Temporary Partial 13 Permanent Total 14 Dismemberment (already de¬ scribed in “Nature of Injury’' column) 15 Loss of Use 16 Permanent Partial — not Dis- ' memberment or Loss of Use 17 Disfigurement 18 All other compensation pay¬ ments 19 Liability claims 20 Allocated adjusting expenses under liability cases 42 OCCUPATIONAL DISEASE CODE. POISONOUS SUBSTANCES Code Remarks. No. Poisoning by 1. Ammonia.A highly irritant and penetrating gas. Poisoning by inhalation. Industries: gas and chemical works, manufacture of sal ammoniac, refrigerat¬ ing plants, varnish and dye works, calico printing, bleaching, tanning. 2. Amyl Alcohol .A colorless, oily fluid used in preparation of fruit essences, aniline dyes and in rectification of spirits. Poisoning by inhalation of vapor. 3. Aniline .A colorless oil. Poisoning by absorption through skin by direct contact or saturation of clothing, and by inhalation as vapor and dust. Industries: manufacturing of aniline and derivatives, also of aniline dyes. 4. Aniline Dyes .Dye stuffs acting on the skin and respiratory organs in the form of dust. 5. Antimony (compounds).... Industries: preparation of type and white metal, Britannia metal, fireworks, paints, aniline dyes, etc. Enters the body in form of vapor or dust. 6. Arsenic .Occurs in following industries: Mining, foundries, chemical works, aniline and other dyes, wall paper, oil cloth, tanning, etc. Enters the body as vapor or dust. 7. Arseniuretted Hydrogen ... A gas developed in the production of hydrogen in the arts and in the manufacture of hydrochloric and sulphuric acids. Enters the body in the form of gas through the organs of respiration. 8. Benzine..A fluid. Enters the body in form of vapor through organs of respiration. Industries: benzine dis¬ tillation, cleansing plants, lacquer, varnish and India rubber industries, mfg. of waterproof mate¬ rial, etc. 9. Benzol.Vapor of this fluid enters the body through organs of respiration. Used in the industries which use benzine. 10. Brass (Brass Chills).Also called “brass founders’ ague”. An illness attended by shivering. Caused by dust and fumes produced in the casting, filing, cutting and polish¬ ing of brass which is an alloy of zinc and copper. 11. Bronze .Occurs in bronzing work with bronze powder or liquor. 12. Carbon Dioxide (Carbonic A colorless, odorless gas generated in mines, Acid Gas) sewers and wells, in manufacture of carbonic acid, mineral waters, compressed yeast; in brew¬ eries, etc. Large quantities occasion sudden death by suffocation. 13. Carbon Disulphide .In form of vapor it enters the body through respiratory organs; as a fluid, through the skin. It causes heavy damage to red blood corpuscles and to the central nervous system. Used in the extraction and dissolving of fats and oils, in vul¬ canizing rubber, in imitation silk factories, etc. 43 ’! • ■ '(rf i liwa wti .1 ■an T ’ ii~ : . X a M • V»* 'iJg xk 'iv. .si tji iisf o" & r/teyi' b d’dA'av .*?'.! d< t ^*» r .*». iSrtt ...,-.ViaX;.:» : ‘- 1 ; • X •'■‘i- v‘ :; . »KbsiA r£ T. S' ■■'‘a Awnmty fiUXiVt f?< v,d werofi .lio ; *v. • vfos A X \ i . JiiVvIS * biiii >* ■Jth. u'i'. si Af-Ai ni.!:. ■«•'.;■ -L,» i «t' : «,UbJ* V?i fil '.'b'd >3 ,.X- ? X'W'i '•uo; v 'f.O.A .-'jfli ;t x yixnaO. *>, ';b -a odi r^in.v jjpuMsl MMo. iio * 9 $»* j: LJ : - "■■ ' '■ .: < y'i to fil i‘v >. <* mi ni H’n.j ^I'.nnjuu u yrla iNAhx i-jd iA <;• ■ '■ • . ■ ' / i« * -"H r •■ •■■ if«V (hi i>f<* f ■• . is? • u J .aoi: 1 4ni^ r< k wifi > c;a n> Vi/IUi Um m if tiN ;skiu io ;ai i;ifg •■ .3 CTjS .^0 r t?V - fc* 379 >T ‘ r{t «87 A T . , losrtsfe •- Q n8 i'v • m •. -r.. >s- • ■'.KitO'tj XI . K.i'f* • j ^-.V. ••*<.. t! 'bu ■• /; an •;. 1! ’ no*i Vi i SJ OCCUPATIONAL DISEASE CODE— Continued POISONOUS SUBSTANCES— Code Remarks No. Poisoning by 14. Carbon Monoxide .An odorless, tasteless gas evolved from blast fur¬ naces in manufacture of illuminating gas, in ex¬ plosions, in coal mines, in cement and brick works and in tunneling. 15. Chloride of Lime .A white granular powder. Poisoning by inhala¬ tion as vapor or dust; also acts directly on the skin. Used in bleaching establishments, for dis¬ infection, in manufacture of chloroform, oxygen, dyes and in calico printing. 16. Chlorine .A suffocating gas of penetrating odor. Poisoning by inhalation and occurs in bleacheries, paper mills, laundries, tinning works, etc. 17. Chromium (or its com- Manufacture of chrome steel, hectographs, pounds) matches; mineral tanning; photography, etc. Enters the body in the form of dust or by absorp¬ tion through the skin. 18. Ferro Silicon .This substance, a mixture of iron and silica, when brought in contact with water, evolves phos- phurated and arseniuretted gases, both of which are powerful poisons. Wholesale poisoning is liable to occur upon steamers carrying ferro-sili- con in their holds. Dock laborers employed in unloading ferro-silicon are also subject to this danger. 19. Formaldehyde .A liquid used in coal-tar color industry and for dis¬ infecting and preserving. Inhalation in the form of vapor produces intense irritation of the skin and mucous membranes. 20. Gasing (not otherwise Poisoning by Carbon Monoxide gas, illuminating specified) gas, marsh gas, etc. 21. Hydrochloric Acid .A colorless gas. Poisoning occurs in potteries, enameling works, glass factories, in chemical, india rubber and shoddy industry; manufacture of fertilizer, cotton print works, etc. 22. Hydrofluoric Acid .A colorless gas of pungent odor. In the form of gas enters the body through respiratory organs. In fluid state acts on the skin and mucous mem¬ branes. Poisonings occur in practically the same industries that are enumerated under hydro¬ chloric acid. 23. Lead .Known as plumbism, lead colic, painters’ and miners’ colic. Causes paralysis (wrist drop), in¬ sanity, death and disturbances in the sexual sphere in women (abortion, premature birth, etc.) Occurs in any process involving the use of lead or its preparations and compounds. According to some authorities lead is used and poisoning occurs in 150 trades. 23. Lead Colic .See 23 — Lead. 24. Manganese (Manganese Caused by inhalation of the dust. Symptoms: Dioxide) Paraesthesia, tremors, derangement of articula¬ tion, mental depression, paralysis. 44 . , • < ; <-KK* IJ or. nAtjn >/; , . r ... - . ♦flii/ : .%-iru a«>jJ a,-, r/ii r» i.*fc i'JfO.W'Kn-t j,* { *»:•/■ oV" ■ '<• : 3 sl£ . n.: > • W>) rt»yimO- f) (ubaacq f> ^rtuM ) it . %'Ii8 rm*’ r i .*1 ‘••v ••• • f: tt vti [ |V,:^ - : ?-.vno{Jr M’>o0 -.i n --t'kl nnol --d) m jivxij U. ■ nt\ $&>: snitssilni • 1 : •’ . :*» ' ' r r • t\{ j’. -TO •‘•v-. . t > • ; ,t' -f vV ,« * ■ s> t: r v; • i , i. 1 *''* n.. * f :• .. •'> ■ •• •••■■• ••■ ' •" £ ' * '• ? - -A - 9T< - ;f» •• *> b „T< »« ■- ’ )>- f : ■■■• • !-82 J 11 gtie' ’■ K OCCUPATIONAL DISEASE CODE —Continued Remarks Known also as “mercurial tremors.” Absorbed in form of vapor or dust. Occurs in mercury and gold mining, smelting, gilding and silvering; mirror making, photography, steel engraving; manufacture of felt hats, etc. 25. Mercurial Tremors .See 25—Mercury 34. Methyl Alcohol .See 34—Wood Alcohol. 23. Miners’ Colic .See 23—Lead. 26. Nitrobenzol (and its de- A colorless fluid. Absorption takes place through rivatives and compounds) the skin and organs of respiration and digestion. Poisoning occurs in coal-tar color industry, in explosive works, perfumery and soap factories, pharmaceutical laboratories, etc. 27. Nitrous Gases .Poisoning by inhalation in gaseous form occurs in chemical and celluloid works, in preparation of nitric, sulphuric and picric acids, aniline, nitro¬ glycerine, etching of metals, hat making, stamp mills, mints, etc. 28. Nitroglycerine .An oily, colorless fluid. Poisoning by inhalation of the vapor and by absorption through the skin. Occurs in the manufacture of explosives and in the use of dynamite. 23. Painters’ Colic.See 23—Lead. 29. Petroleum .Poisoning by inhalation of its vapor, occurs in production of the oil and in refining of the crude oil. Causes acute poisoning with a condition of inebriation accompanied by shouting, reeling and prolonged sleep. Symptoms in general resemble those resulting from benzine poisoning. 30. Phosphorus .Also known as “phossy jaw” and “phosphorous necrosis.” Poisoning by inhalation of the vapor and by means of food contaminated by dirty fingers. 31. Phosphuretted Hydrogen... A colorless gas of nauseating odor. Poisoning by inhalation in the extraction of phosphorus; in the preparation of phosphorous compounds, in the reduction of iron silicate containing phosphorus; by the action of moisture and in production of acetylene. 23. Plumbism .See 23—Lead. 32. Sulphuretted Hydrogen.A colorless gas, having the fetid odor of rotten eggs. Poisoning by inhalation of the gas. Occurs in tanneries, sewers, illuminating gas plants, blast furnaces; in the manufacture of matches and of sulphur and phosphorous compounds; in Leblanc soda and chemical factories, etc. 33. Sulphuric Acid.A colorless and odorless fluid. Poisoning by in¬ halation of the vapor. Occurs in manufacture of sulphuric acid; in textile industry, hat factories, petroleum distillation, and in manufacture of powdered fertilizers. POISONOUS SUBSTANCES— Could. Code No. Poisoning by 25. Mercury (Quicksilver) .. 45 . M v?on aiuoi'o .U I -5'L>, ,U*. V C t>‘j !j "io nnoi ■ . i<* / :••>i fb'i to ua^JTi K“.c:)ialyo»H. . .. . nomaiT liiiiJJiaM .92 >• u.w. iJ : \i,%U !r ' f i& .fraiit fin -oloo A -sb eix fxrtjj) Joxij*ck»ifiM .$2 > C l .i ; ;n . . ,-ran aoijti' os a r iw axo* « i?v i; : i nv v>. .{•.tiji.orff’ bs>tei«iafc&>R. HQSi-.rslwt .* .^m'KOHiOq ft..» ! *ao.dd n-*or. df*o|p 8 * i ( . Hi! . *■ > .Of: ' ■: ..ri C f J¥ .I# s-M .-or to ;t\:.. •• *il •:> s.i r i i' H-u7ih,.iJ& : , ■ ■ ' . •■.'..., ;:-?f • - ~ i : • • .... ,. .*.H : • v. ■*■ ,• sii/imi: ;■■ . . J.v ,.V ... Olfo b»l,j «: ■ •• . ■ ' -A .i i l - -■{>' ■■'■ ,-m; . ^>1 t /l !>oid<)woq . ' OCCUPATIONAL DISEASE CODE —Continued POISONOUS SUBSTANCES— Contd. Code Remarks. No. Poisoning by 34. Wood Alcohol .A colorless fluid of faint odor, produced by dry distillation of wood. Ujed in preparation of var¬ nish, lacquer polish and perfumes; for denaturing of spirits; used in combination with shellac, in cabinet making and furniture polishing; as a sol¬ vent for aniline dyes; for adulterating whiskey and in hair tonics. Poisoning by inhalation of the vapor and by absorption through the skin and digestive organs. The effect is persistent and very serious. Absorption of a small quantity frequently causes blindness, deafness, delirium, affection of respiratory organs, and even death by paralysis of the heart. 35. Wood (African Boxwood and others) .Workers in the following woods are subject to poisoning and other affections: African Boxwood, California Sequoia, Japanese “Tagayasa,” satin- wood, teakwood, redwood, cokus wood, cocoa-bola, ebony, etc. This is due to alkaloids and other toxic substances contained in these woods. 36. 37. 38. 39. 40. 41. 42. 43. 44. 45. 46. 47. 48. 49. 50. PULMONARY DISEASES CAUSED BY DUST AND FIBRES Code No. Disease 51... Anthracosis 52. Byssinosis . 56. Chalicosis . 51. Coal Miners’ phthisis. 55. Knife grinders’ phthisis Remarks. Or coal miners’ phthisis. Due to inhalation of coal dust. A lung disease caused by inhalation of cotton par¬ ticles. See 56—Silicosis. See 51—Anthracosis. See 55—Siderosis. 46 (fiOO Jf:Ad«ia JAKSOITAHUDDO .aihnmaH ^ib xd ba >ubo*iq ,/iobo inial lo biuft eaaholoo A. -ifiY lo notic LBqa’iq ai h$s. I .boow lo noita(Iii«ib sniiutsnsb *io't ;&9flHjViaq bnn ri&iioq leupaal ,rfeui ni «dA Kuoma %isv ^nuiiiiab ,aa90'taab ,&B9fibaUd 89aoaa xitaaapai i Xd riiash novo bna ,ana>ao itfwitftiqim lo noiioalia tiasri aril lo gtaxtaiaq ol loatdua 9ia aboow ’gniwoUbl aril ni eiariioW t boo//xoH naohlA : aaoilaolta isriio bne gaiftoaioq ’^saflXHSaT" aaanaqal* ,aioup93 ainiotilaO ,aU>d-a0309 ,boow anrioo .boowbai ,boov/>taaJ ,boow larilo boa abiotadla ol eub ai oiriT .ola ,xnod9 .eboow aaaril ni banialnoa aeofiaisdua ^ixoJ v*««o—eaDviATSsauB euoKOaio* *boD )maotiu < l .oH .iorfooIA booW .£& boowxoS rtBDfrlA) booW .88 ... (jmrfro bos .88 .88 .68 .0* .U M ,8* M M M .03 OH HU AD 2H2AH8IG TjfAHONUUi 238014 OH A T2UG YB fl lo ..... sfaoosidtaA. .Jtd Juab taoa -tap iioiioa lo norlafarini xd baanno aaaaaib unul A. aiaonrasx® .aaloii ateooiteriO ,83 aiaoaa iriinA*—15 998 ..... giexrf^rfq 'aianiM teoQ .18 .aiaoiabiS- -35 aa8... .aiairilriq 'aisborr^ siinH .33 d* OCCUPATIONAL DISEASE CODE —Continued PULMONARY DISEASES CAUSED BY DUST AND FIBRES— Contd. c° d ' Disease Remarks. 53. Pneumokoniosis (not oth- Under this term are included all lung diseases erwise specified) caused by dust. Such diseases are attended by an increase of the fibrous tissue of the organs— hardening or fibrosis of the lungs. 54. Potters’ Rot or Potters’ Asthma A form of lung disease common among workers engaged in manufacture of pottery. Due to in¬ halation of clay dust. 55. Siderosis .Met with in persons who work in operations pro¬ ducing iron or steel dust, such as cutlery grinders, tool sharpeners; workers in red oxide of iron, such as looking glass makers, gold beaters, glass polishers, etc. 56. Silicosis .A pulmonary dust disease caused by inhalation of stone or other non-metallic mineral dust. The men who are liable to this disease are grinders, brickmakers, etc. 56. Stone Cutters’ Rot .See 56—Silicosis. 57. 58. 59. 60. DISEASES CAUSED BY PARASITES AND MICRO-ORGANISM Code No. Disease Remarks. 61. Ankylostomiasis .Also known as miners’ hookworm and miners’ anemia. Occurs in mines, tunnels, among brick workers, etc. Caused by the intestinal parasite, ankylostoma duodenale. Spread by means of human faeces. Provision of portable sanitary ap¬ pliances and disinfecting stools with sulphuric acid will prevent contamination of mines by this parasite. 62. Anthrax .An infectious disease transmitted by a micro¬ organism, the bacillus anthracis. Acquired in the handling of wool, hair, bristles, hides and skins. There are three forms of this disease: cutaneous, pulmonary and intestinal. Also known as “wool- sorters’ disease.” 63. Farcy .An infectious disease transmitted by the same germ (bacillus mallei) which causes glanders. It is termed “Farcy” when the disease only affects the skin. 64. Foot and Mouth Disease. . .This disease, which attacks cattle, pigs and sheep, is occasionally transmitted to man through infected meat as well as by handling cattle. Butchers, cowboys, drivers, stablemen, horse deal¬ ers and milkmen are liable to become infected. Wn,WJ>-aaOO 38Aa8Kl JAWOITA3UDOO .adia/nsH asafiasib gnui da bobuhni sia nrisi girfi ivbaU 'id bsbrtsiia sia aoa&azib dona .ieub vd baauso ~^o erij to 9U8Bit gnoidxi srfi to 9^i nl -egai/i sni io gigoid/i to aniasbiari aisdiow axroras fiommoo s&esaib §nu{ 'to rrrxoi A -m oi oua mottoq io 9i uto&tun&m ni bs^aans Jsub io rroidfiljsrf -o'tq gxroiiaTsqo ni >how oriw anoaisq ni diiw isM n^r Uu i 8 « thus <** ub ***« ^rZuouf ' ao f l io sbxxo bsi m aisdiow laTSnsqrada loot aaBis ' ai ** fi9d bl °* <«wUm aaal s ^rrbiool aa risng .Mo bhd .u«o-gaHa,TQHAfKij a 9«fi3«iQ »bo3 .oH -n+o Jon) sieoinojionn/on^ .£<3 (bariiooqg aaiwis gioJJo^ io JoH 'gisjjoH .£3 smrfjgA gieoiobiS .S3 ziaooiiig .83 .aiaooma—38988. JoH Wo0 , noj2 3e *’*•*••••••. , 8 d * *. .8<5 . .09 ^ahsrasfl ea T i8A3A3 ya xiaauAD aasAggia MglHAOflO OaDIM UHA i * 9#Hd2iO ^boij eTsann baa rxnowdoori 'atsxiira aa awond oaiA • • t ,oM afloms t elsnmxi t asmin ni axuooO .ai«imoJaoX X2 toA ,18 £n«nmq lamiasinx sdi ^d bsauaO ,ois .gisdiow f rri b691< I 3 .sknsboub amoiaoWdna '<3^ ytaixnag sldairoq 'io noiaivoiH asssai narmirf Z U ^J lr \ *ni Ja9ini 5 b - 8 C B9 “ d9mxn io noxianirnaiaoo insvoiq Uiw bisa .siiaaiaq o-tsun a bsiiixnanaii saasaib auoiiosini «a adi « toiu/paA .afcwidlaa aulIisscT 8rfi meiLZt «toU ,eaUehd ,,i*rf ,loow“ oCSK .emosciains . aaasaxb airii i 0 gmioi soldi oia sisdT ' " aB M 08 IA .i, b JjZo^ q .saasaib 'aisiiog amag srii ^d bsiiinigfiaii saasgib enoiiosini aA pi^S 19 ^ 1 * 898XJXJ0 doirtw (isdam aulfisad) raisJ 1 fl£ xlao 9afisaib xx9 dvj ’’Ysia'd 41 bsnnsi J .nida 9rfi baa ggiq .sliias atfoaiia dsidw Sf.ZV «S 8 i b , q S • r. j S idbnad aa IIsw aa iasxn bsio^irrf - asb saiod ,nsmsldaia .aisviib ,axodwoo aisris+nJT •bslMlni emodsd o£ 8 Idsi I „ 9 S t t“ xBTiiinA .S8 .€8 aasaaiQ rfjyoM bns Joo^ A8 OCCUPATIONAL DISEASE CODE —Continued DISEASES CAUSED BY PARASITES AND MICRO-ORGANISM— Contd. Code No. Disease Remarks. 65. Glanders .An infectious disease acquired in the care of horses suffering from glanders or in the handling of carcass of such animals. Caused by the bacillus mallei. 66. Lockjaw .See 66—Tetanus. 66. Tetanus .(Lockjaw) Limited to infection by Tetanus bacillus through material handled in occupation. Cases of tetanus resulting from infected wounds excluded, as these must be considered injuries arising out of accidents. 67. Tuberculosis .Considered either as (1) directly attributable to the occupation, or (2) as the terminal disease of various industrial affections. Cases resulting from traumatism, e. g., contusions, bruises, frac¬ tures, etc., to be excluded. 68. Pneumonia .Limited to cases resulting from exposure. Trau¬ matic pneumonia excluded. 69. 70. DUE TO FATIGUE, STRAINS, EXCESSIVE LIGHT AND HEAT, FRICTION, ETC. Code No. Disease 71. Amblyopia 72. Asthenopia 73. Electric Opthalmia ... 74. Glassworkers’ Cataract 75. Miners’ Nystagmus .. 76. Myopia . Remarks Temporary loss of vision. Occurs in tobacco workers, dye workers, etc. An affection of the eyes (retinal fatigue) caused by constant contraction of pupils in the effort to exclude light. Occurs in trades such as gilders, metal polishers, glass workers, etc., compelling a close attention to polished surfaces. An affection of the eyes due to intense light and heat evolved in electric welding. Glassworkers exposed to the intense glare of molten glass are subject to this malady. An affection of the eyes due to their peculiar way of looking at their work. Causes oscillation and unsteadiness of the eyeballs. Occurs in min¬ ing and occasionally in other occupations. Impairment of vision due to close attention to fine work as in the case of lithographers, en¬ gravers, etc. 77. 78. 79. 80 . 48 aaoD agAagia jahoita^uodo .grfiameH a HA 83TIgA>IA*j jfg a38UA3 838AHgia *»>«oO— M8IHAOHO-OHDO/: \o 9xso 9rfl ni beiinpon eeasaib enoiloslni nA gnilbnarf erf! ni 10 aisbnalg moil gangling aoaiori eullhsd erf! yd be&njsD .alamina dong lo aaaoiao lo .iellam 9 »iSB 38 iQ aboD . aiabrarfO .53 .annaisT—39 998 annalaT yd noiloelni ol belirniJ (waidooJ) .noiiBqnooo ni b9lbnnri fahslam riguoirfl anilbad abnnow boioolni moil gnillua9i annals! to ggaaO &ehni.ni beiebianoo sd ianm eaedi gB t bebubx9 .alnobioon lo ino gniaiia ol sldalndhlla yllosiib (I) as isrfite bsiabianoO 9 &B 98 tb fenimial aril an (2) 10 moilaqnooo srfl gmljuBei 89gn0 -anoiio9lin Isiilanbni anoiiav lo -o^il ,g9gimd t anoianlnoo ,.g .9 ,mailamnaii moil J)9bnIox9 9d ol „ote .aami - ustT .emaoqxa moil gnillnaai asaao ol bolimi J .bebnbxe ainornnenq oiiam wsjptooJ aunsXoT siaoInoiaduT Binocrtusn*! ,33 .33 .79 .83 .89 ,0V adiamafl oooadol ni gmooO .noiarv lo asol yiaioqmsT .ole t giediow syb t ai9diow beausD (ongilal ianitei) aeye srfl lo noiloslia nA ol iiolte edl ni gliqnq lo noiloailnoo Inalanoo yd «8iobIig as dona sebail ni amooO .idgil 9 buIox 9 & gnilteqmoo ..ole t 8iediow aaalg ,ai 9 darfoq latem .asofilina bedailoq ol noilnalla eaob bos Irfgrf 9an9ini ol sub sey9 erf! lo noiloslla nA .gniblew ohlo9b ni beviova lasrf lo sifilg senslai srfl ol b9aoqx9 aisdiowaaalO .ybirfam aid! ol lostdua 91 a aaalg naiiom , 1 rr .^ eoyo erf! lo noilos’fia nA noilallioao asauaD .rfiow lied! la gnirfool lo yaw -mm ni amooO .afladsye 9rf! lo 889niba9iann bna .anoilaquooo lerflo ni ylfanoiaaooo bna gni ol noilnslla 9aob ol enb noiaiv lo inemiiaqml -H9 ,8iorfqaTgorfiil lo 9aao 9rfl ni 8a oliow end .ol9 t ai9vaig _ u ui aUCi ,TAHH QUA THOU 3VI8833X3 •OTH .HOITDIflH aasaaiCI aboD •oH! siqoyldmA .X? sxqonorfXaA .SV ■ • . fiimladiqO omosia ioaiaJ'aO 'aiarfiowaaalO ,|»y • • aumgsjgyH 'aianiM .3Y siqoyM ,9V OCCUPATIONAL DISEASE CODE —Continued CRAMPS AND OTHER NERVE AFFECTIONS Code No. Disease 81. Occupation Neurosis (not otherwise specified) ... Remarks. Under this general term are included diseases arising from fatigue, physical strain, high nerve- tension and sustained volitionary muscular move¬ ments. It affects cigar makers, seamstresses, typesetters, writers, typists, telegraphers, pneu¬ matic tool users (from vibration), etc. The nerves and muscles of the hand and arm are involved in 90 per cent of the cases of neurosis. 82. 83. 84. 85. 86 . Telegraphers’ Cramp .Or Telegraphists’ Spasm. Writers’ Cramp .Also writers’ palsey and scriveners’ spasm. 87. Boilermakers’ Deafness.Due to excessive vibration of the tempanic mem¬ brane and bones and fluid in the ear. INFLAMMATION OF JOINTS AND TENDONS Code No. Disease Remarks 88. Bursitis.Known in England as “beat elbow.” A chronic inflammation of the bursa (a sack containing the lubricating fluid of the joint) over the elbow, due to prolonged pressure. 89. Cellulitis of the hand.Known in England as “beat hand.” Subcutane¬ ous inflammation, due to friction, usually on the palmar surface. 90. Bursitis over patella.Known in England as “beat knee.” 91. Synovitis .Inflammation of the synovial lining of the wrist joint and tendon sheaths. 92. Dupuytren’s Contraction_Contraction of the palmar tendon sheaths due to prolonged pressure on tools and other hard objects. 93. 94. 95. 96. DUE TO COMPRESSED AIR £ ode Disease Remarks No* 97. Compressed Air Disease_Also called “caisson disease” and the “bends.” Occurs after too hasty emergence from air pres¬ sure. Under high pressure the atmospheric air is dissolved in the blood and tissues; during de¬ compression there is a rapid disengagement of the gas in the form of bubbles, which block the blood vessels and tear the tissues. 98. Divers’ Paralysis.Due to too rapid ascent after diving. Cause and symptoms practically the same as in Caisson Disease. 99 .,. 49 v*»mt«o:>-~aaoD aaAaaia jakoita^uddo •axilBJlIISH 893B9«ifa babubrii sis mis! leisria^ giril labxxU -9V19H ri^ixf «niBila Leoiaxrfq <9U3ilBl moil; gniaiis -svom isiuseifm yisaoililov bsniBlaue bnB noiansl ,89a89ilam89a t ai9}Um is-gb eiDa'fis II .alnam -usnq t ai9riqBis9l9l ,ajaiqyl ,aisihw ^aigllsasqyl 9xlT .ole , (noiiBidxv moil) ai9au lool oilsm 9i« xrriB bus brier! srll lo asbaum bns 89Vi9fi .aiaoiusn lo aseBS 9fll lo Inss i9q 06 ni bsvlovni avnaw hhhto qua aaMAno BtfOITOaHRA aaoaeiG »boO ,oVl ion) aisomsM noiifiquooO ,18 . . . (badh^qs aaiwisriio .maBqS 'aiairfqxrrgoIoT lO. qmsiO 'awriqfii^IaT .maxjqa *8i9ii9vh98 bnB ysalBq 'aisliiw oalA. qmsiD ’eisihW .SB .88 M M M -mam oinaqm9l srll lo noilaidiv 9viaa99X9 ol suG.gaanlsaG 'aiajljsnmlioS ,Y8 .189 srll ni binft brm asnod briB sxisid aahemsH GVIA 3THIOI ao VJOITAMMAJaWI ZKQCl'/iaT sboD Dinoirb A ".wodlg l89d“ an bnabaxiG ni riwonX..eiibiuH .88 sninialnoD jbaa s) Baiud sxll lo noilfimmsftni ,wodia sxll 19vo (Iniot 9x11 lo brnft ^nilBoxidul edl .9iije89iq bsgnoloiq ol sub -snBluoduS ".bnBxl iBsd** as bnBlgna ni nwonX.hnsri srfi lo aiiiluIIsO .88 sxll no yllBuau t noil9hl ol sub rt 3 nd d P4 • H ob O • on tr-<