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of risks incident to employment, negligence of fellow employee and contributory negligence; and injury presumed, prima facie, to be result of employer's negligence. In action by employee not electing Act against employer electing, all defenses open. Act applies only to personal injuries by accident caused by violence to physical structure of body, and only such diseases or infections as naturally result therefrom.' No compensation for injury caused by employee's wilful intention to injure himself or another by his intoxication; by deliberate failure to use guard or protection against accident provided for him; or by deliberate breach of statutory regulations affecting safety. Notice of injury must be given within 15 days if notice to that effect is posted in factory, etc., otherwise in six months; Claim within six months, and proceedings taken within one year. Agreement for settlement must be in writing, approved by Court and entered as its judgment. If no agreement, proceedings in Court. Compensation: During first two weeks medical, surgical and hospital service and medicines, not exceeding $100, but nothing more. Temporary total disability, 50% of average weekly wages, not more than $10, nor less than $3, or full wages if less than $3, for not exceeding 300 weeks. Temporary partial disability 50% of difference between average weekly wages before and after injury, not more than $10 per week until full earning capacity restored, not exceeding 300 weeks. Permanent partial disability, same as for temporary; for specified mutilations 50% average weekly wages for various times as per schedule, subject to maximum and minimum above. Permanent total disability 50% average weekly wages not more than $10, nor less than $3 for not exceeding 400 weeks. Death from injury within one year; expenses of sickness and funeral, not exceeding $100. To persons wholly dependent, not exceeding half average weekly wages, not more than $10, nor less than $3 for 300 weeks. To widow alone, 25% weekly wages; widow and one child under 15, 40%; widow and two or more children 50%; one child alone 25%; two children 40%; three or more children 50%; father or mother, 25%; both, 50%; one brother or sister 25% and 10% additional for each additional one; other dependents 20% for one, and 10% for each additional one. Partial dependents same proportion that amount contributed by deceased bore to his whole income.

MAINE. — Act applies to State, counties, etc., towns which vote to accept its provisions, and employers of more than five workmen in same business who elect to become subject to its provisions. Employees in domestic service, agriculture, or logging, and those employed casually, or not in employer's regular business, not included. Employers not assenting deprived of three common-law defenses. Employer must file with Industrial Accident Commission written assent, together with copy of industrial accident insurance policy in a Casualty Insurance Company authorized to do business in the State, and stamped with approval of Insurance Commissioner; or satisfy Commission of its solvency and financial ability, and deposit cash, securities or bond. Or, employer may, with approval of Commission, continue any system of compensation used by him Jan. !, 1915, provided its benefits equal those under the Act and no contributions are required from employees unless for additional benefits. Notice of employer's acceptance must be posted in factory, etc. Employee deemed to assent unless at time of hiring he gives notice in writing, and files copy with Commission within ten days, or within ten days after notice of employer's acceptance, the same to continue in force for one year, and from year to year, unless within 60 days of expiration of any year written claim of common-law rights of action is filed with Commission, and notice given to employer within ten

days thereafter. Compensation: None for injury occasioned by wilful intention of employee to injure himself or another, or by intoxication unless employer knows of habit of intoxication. For first two weeks, medical and hospital service and medicines, not exceeding $30, unless in case of major surgical operation. For death - To persons wholly dependent, one-half average weekly wages, not more than $10, nor less than $4, for 300 weeks; and proportionate amounts if only partial dependents. If no dependents, expenses of last sickness and burial not exceeding $200. For total incapacity, one half average weekly wages, not more than $10, nor less than $4, for not exceeding 500 weeks, nor $3000. For partial incapacity, one-half of difference between wages before and after injury, not more than $10, nor for more than 300 weeks. For certain mutilations amounts as for total disability for periods specified in schedule, and afterwards during continuance of partial incapacity — not more than 300 weeks in all

. Written notice stating nature, time, place, and cause of injury and name and address of person injured must be given to employer within 30 days, and claim made within one year after injury, or after death or removal of physical or mental disability. Agreement of parties as to compensation filed with and approved by Commission, or decision of Chairman of Commission, filed with Clerk of Courts of the county has effect of judgment. Within two years order for compensation may be modified on proof of change in employee's condition. Unless agreement or petition is filed within two years claim is barred.

MARYLAND.— Act obligatory on employers in certain " extrahazardous employments, of which 42 classes are specified, including railroad, telephone, telegraph, electric power and light, sewer and sub-way work, lumbering, quarrying, ship-building, and substantially all kinds of mill and factory work; but employers and employees in employments not extra-hazardous" may jointly file acceptance and come under Act. Act does not apply to farm laborers, domestic servants, country blacksmiths, wheel-wrights, or similar rural employments, nor to casual employees, those employed wholly out of the State, or whose salaries exceed $2000. Covers only accidental injuries, and such diseases and infections as unavoidably result therefrom, but not those occasioned by wilful intention of employee to injure himself or another or by his intoxication. If employer fails to secure compensation for employee, latter may claim compensation under Act or maintain action for damages, but in latter case employer deprived of three common-law ses. case of injury by deliberate intention of employer, employee has same election. Payments made from State Accident Fund formed from premiums paid by employers, and administered by State Industrial Commission. Industries classified, and premiums fixed by Commission according to risk in each class. Employer may secure compensation by insuring in State Accident Fund, or in some authorized Insurance Company, or by furnishing to satisfaction of Commission proof of financial ability to pay compensation directly to employees; in latter case Commission may require deposit of securities. Employer must notify Commission which form he elects, and obtain approval. Compensation: In all cases, medical attendance, medicines, etc., not exceeding $150. For permanent total disability, 50% average weekly wages during continuance of total disability, exclusive of first week, not more than $12, nor less than $5, or full wages if less than $5, not exceeding $5000. For temporary total disability, 50% average weekly wages during continuance, subject to above maximum and minimum, for not more than 6 years, or more than $3750. For permanent partial disability, 50% average weekly wages not exceeding $12 nor more than $3000 in all, in case of certain

mutilations for periods specified in schedule: in other case 50% of difference between wages before and after accident, not exceeding $12, during partial disability, not exceeding in all $3000. For temporary partial disability 50% of difference between wages before injury and afterwards, during partial disability, not exceeding $3000. For death within two years: funeral expenses not exceeding $75, but if no dependents only if employee does not leave enough to pay same; to persons wholly dependent, 50% average weekly wages for 8 years, not more than $4250, nor less than $1000; to those partly dependent 50% wages for such part of 8 years as Commission may determine, not exceeding $3000. No compensation but medical attendance, etc., for first two weeks. Notice must be given to employer within 10 days, or in case of death within 30 days. Application for compensation with certificate of attending physician, if any, must be filed with Commission within 30 days. In case of death claimant must also file proof of relationship.

MASSACHUSETTS.- Act provides for Employers' Insurance Association consisting of not less than 100 members employing not less than 10,000 employees, and subject to State supervision. It applies only to employers who become subscribers to such Association, or who insure their liability in some insurance or casualty company. Other employers deprived of the three common law defenses — Act does not apply to domestic servants or farm_laborers, or whose employment is not in usual business of employer. Employee held to waive right of action at common law unless he gives notice, and cannot recover for injuries occasioned by his serious and wilful misconduct. If injured by serious and wilful misconduct of employer or superintendent may recover double compensation. Compensation, to be paid by Insurance Association or other insurer:- 1. In case of death, (a) to persons wholly dependent, 6643% of average weekly wages, not less than $4 nor more than $10 for 500 weeks, but not more than $4000. (b) If only partial dependents, the proportion of above payment that amount contributed by deceased to such dependent bears to his whole earnings. (c) If no dependents, expenses of last sickness and burial not exceeding $200. 2. In case of total incapacity for work, weekly compensation equal to 6643 % of average weekly wages, not less than $4 nor more than $10 for not more than 500 weeks, or more than $4000. 3. During partial incapacity weekly compensation equal to 6633% of difference between average weekly wages before and after injury, but not more than $10 per week or for more than 500 weeks, or more than $4000, and in addition thereto in case of loss of limbs and certain other specified mutilations certain weekly payments for limited times. During first two weeks after injury or time of incapacity, and in unusual cases for a longer period, necessary medical and hospital services and medicines, but no other compensation. Notice of injury as soon as practicable, unless employer or Association has knowledge thereof. Claim within six months or in case of death or incapacity within six months after death or removal of incapacity. No agreement by employee to waive right to compensation valid, and payments not assignable or subject to attachment. Industrial Accident Board has jurisdiction over settlement of claims. Arbitration provided for, subject to revision by full Board. Amounts of weekly payments subject to subsequent modification, and after 6 months payment, may in special cases be commuted to lump sum. Decisions of Board may be filed in Superior Court and decree entered thereon.

MICHIGAN. Act applies to the State, counties etc. and to employers who file acceptance with Industrial Board. All other employers deprived of the three common law defenses except as against employees electing not to be subject to Act. Act does not apply to domestic servants or farm laborers or to persons casually employed and not in course of employer's usual business. Compensation: 1. During first three weeks medical and hospital services and medicines. 2. In case of death, (a) To persons wholly dependent, weekly payments equal to half of average weekly wages, not less than $4 nor more than $10 for 300 weeks. (b) To persons partly dependent same proportion of the above that the amount contributed by the deceased bore to his whole earnings. (c) If no dependents, expenses of last sickness and burial, not exceeding $200. 3. In case of total incapacity weekly compensation equal to one half of average weekly wages, not less than $4 nor more than $10 for 500 weeks, not exceeding $4000. 4. In case of partial incapacity, weekly compensation equal to one half of difference between average weekly wages before and after injury, not more than $10 per week for 300 weeks. For loss of a limb and other specific mutilations half of average weekly wages for terms varying from 7 to 200 weeks, subject to maximum and minimum limitations as above. In case of death before expiration of term for weekly payments, dependents receive difference between full death benefit and amounts already paid for disability. Payments begin on 15th day after injury, but if disability continues for 8 weeks then from date of injury. Unless employer has actual knowledge of injury notice must be given within three months. Claim must be made within six months, or within six months after death or removal of incapacity. No agreement by employee to waive rights valid. Payments not assignable or liable for debts. Agreements for settlement subject to approval of Accident Board. Disputed claims referred to arbitration subject to appeal to the Board. Decisions of the Board may be filed in Circuit Court and judgment entered thereon. Employer may by furnishing proofs of solvency to Board agree to make payment directly to employees, or may insure his liability in an Employer's Liability Company or Insurance Association. Provision is made for Accident Fund in nature of mutual insurance by five or more employers of 3000 employees under supervision of Commissioner of Insurance.

MINNESOTA.- Employer not electing provisions of Act deprived of three common law defenses except as to wilful negligence of employee. Act does not apply to domestic servants, farm laborers or persons casually employed and not in usual business of employer. Employer and employee presumed to accept Act unless notice is given. No liability for injuries self-inflicted or caused by intoxication. Compensation:- 1. Medical, surgical and hospital services for 90 days, not exceeding $100, or, on application to Court, $200. 2. In case of death, to widow 35% of monthly wages, and for one minor child 5%, for two or three children 15% and for four or more 25% in addition. On re-marriage, widow without children one half of compensation unpaid; if children, her share goes to them. For dependent orphan 40% of monthly wages, and 10% additional for each orphan in excess of two — not exceeding 60%. For dependent husband and no child 25% of monthly wages. If no widow, children or husband, to one dependent parent 25% of monthly wages, or to two such 35%. If none, to dependent brother, sister_or grandparent, 25%; if more than one dependent relation 35%. — Partial dependents in proportion to proportionate amount of earnings contributed by deceased. If no

dependents expenses of last sickness and burial not exceeding $100. Death compensation not less than $6 per week, nor more than $10 or full amount of wages if less than $6, for 300 wecks. 3. For permanent total disability, one half of wages, not less than $6 nor more than $10, or full amount if less than $6, for 400 weeks. 4. For permanent partial disability — for certain specified mutilations one half daily wages for from 7 to 200 weeks; in other cases, half of difference between wages before injury and earning capacity afterwards, not exceeding 300 weeks. 5. For temporary total disability half of wages, not less than $6 or more than $10 for 300 weeks. 6. For temporary, partial disability half of difference between wages before and after injury. In case of death, disability payments deducted from death benefit. No payments for two weeks, nor until after notice unless employer has actual knowledge or notice within 14 days, but notice may be given later unless employer is prejudiced by delay. If no knowledge or notice in 90 days no compensation payable. Disputed claims decided by district court on complaint. Employer may insure liability and claim may be made directly upon insurer.

NEBRASKA. — Both employer and employee presumed to accept provisions of Act unless notice is given to contrary. Employer not accepting deprived of three common law defenses except wilful negligence or intoxication of employee. · Act does not apply to employers of domestic servants or farm laborers, or of less than five regular employees, or of persons casually employed and not in regular business of employer, nor to persons working on employer's materials at their own homes or on premises not under employer's control. Liability covers only violence to physical structure of body and disease or infection resulting therefrom; but not occupational disease or contagious or infectious disease contracted during employment, or death due to natural causes. Compensation:- 1. For death, (a) To persons wholly dependent half of wages, not less than $5_nor more than $10, or whole wages less than $5 for 350 weeks. To partial dependents, portion of above in proportion to share of earnings contributed to such dependent by deceased. (c) In any case expenses of last sickness and burial not exceeding, $100. Disability payments made before death deducted from death benefit. For total disability, — for first 300 weeks, half of wages, not less than $5 nor more than $10, or full amount if less than $5. After 300 weeks, for remainder of life, 40% of wages, not less than $4 nor more than $8 or full wages if less than $4. 3. For partial disability, half of difference between wages at time of accident and earning power thereafter, not more than $10, for 300 weeks. Special compensation for losses of certain parts of body half wages for from 125 to 215 weeks, not less than $5 nor more than $10 or full wages less than $5. No compensation for two weeks unless disability continues eight weeks, then from date of injury. No agreement of employee to waive rights valid. Notice as soon as practicable, and claim within six months, or six months after death or removal of incapacity. Want of notice no bar if employer has knowledge of accident. Disputed claims referred to district court. Claim barred unless proceedings commenced within one year. Employer's liability may be insured in liability insurance company.

NEVADA. - All employers presumed to accept Act unless notice is given to the contrary, and notice must be renewed annually. Employer not accepting Act deprived of three common law defenses.

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