Image provided by: University of Oregon Libraries; Eugene, OR
About Morning Oregonian. (Portland, Or.) 1861-1937 | View Entire Issue (April 27, 1915)
tie aronxixG oregoniax. Tuesday, Aran; 101.'?- INSURANCE AGENTS TO VIE WITH STATE Casualty Companies Making Bid for Share of Pat-, ronage In Oregon. LEGAL RIGHTS QUESTIONED Commission Schedule Thought In evenly Balanced in Places Giv ing Competitors Chance to Take Cream, Leaving Milk. Energetic competition with the state In writing workmen's compensation in eurance has been inaugurated by the casualty companies in Oregon in the last few days. Kmployers generally in the hazardous industries arc recipients of letters offering: in many instances policies paying- tlie state schedule of benefits but charging rates lower than -the state Industrial Accident Commis sion scale for Insurance in the same employments. It has been assumed that the cas ualty companies were excluded from writing compensation insurance by the Oregon statute, and when it was pro posed in a bill submitted to the last Legislature to admit private competi tion in this class of insurance protests against interference with the supposed state monopoly prevailed, and the bill was dropped. Court Redrea Allowed. It appears, however, that the only obstacle to the issuance of compensa tion policies by stock companies is the fact that if an employer insures with them an injured employe Is not legally bound to accept the benefits prescribed in the policy, but may sue for larger damages although the benefits be the same as those paid out of the state fund. When employes and employers accept the terms of the state law and pay premiums into the state fund the employe has no recourse but to accept the prescribed financial benefits for In juries that may occur to him. The form of insurance now offered by the casualty companies includes both compensation and liability insur ance in one policy. It insures the em ployer against refusal of an Injured employe to accept the compensation benefits prescribed. If an employe re jects automatic compensation and sues for damages the employer is protected by the insurer. Employe Payment) Omitted. It is said that the companies have been experimenting in Oregon with similar policies for some time and that although a number of injuries in em ployments insured have occurred no instance is recorded where the employe refused to accept the compensation schedule. The latter, if accepted, is automatic, and is paid regardless of negligence or assumption of risk by the employe or the carelessness of a fellow servant. Jn benefits tho policy is said to bo identical with a state policy except that the maximum pay ment for death or permanent disability is limited to $5000. In a few instances a, state policy may pay more. The state exacts, however, one cent a day from each employe so insured. The casualty companies collect only from the employer. One firm representing Eastern com panies admits having sent out more than 2000 letters to employers last week quoting rates. Private Rates Lower. Some Important industries in which rates are quoted under those that the state collects from employers exclu sive of employes' contributions are ma chine shops, furniture factories, coffin and casket-makers, box-makers, can neries, fruit packers, soap manufactur ers, cold storage plants, vessels, grain warehouses, flour mills, fish curers and packers, boat repairers, stevedores, woolen mills, chair factories, asphalt layers, boat builders, cabinet workers! and others. The state rates on logging and on paper and pulp mills and a few others are duplicated. In addition the companies are offer ing straight liability or legal defense policies at rates still lower and are ad vertising a policy on "overhead liabil ity" to those insured in the state fund. That is the employers under the state law may buy legal defense insurance as protection in case the law should bo declared unconstitptional or it should be held that a parent cannot bind minor children to accept a certain compensation in the event of his de mise, or under other contingencies. Chanson Tint Entirely Satisfactory. The last Legislature found it neces sary to revise the rates charged under the state compensation law. The origi nal act, it was discovered, gave insur ance to some employments at too low a rate anad charged others too high a rate. Dissatisfaction kept many em ployers out and it was apparent that the state fund accumulated under the act would sooner or later be depleted by the outgo to injured employes. So new classifications were made and rates readjusted. There was still some protest on the ground that saw mills, meat packers and some other employments were granted a discrim inatingly low rate and it was asserted that their accidents would be paid in rart from excesses charged other em ployments. Private Rates Illffh In Cases. Whatever the truth of the matter, the casualty companies' compensation rates are considerably higher than the state rates in the industries last named. It is .suggested that the stock companies mav therefore be able to seize tne in surance business of those employments on which the state charges a high rate and leave the state to insure the em ployments on which the state fund will lose money. SStock companies would thus skim off the cream and leave the state the milk. The more active competition of the casualty companies hus been long de layed. however. Some business has been sought heretofore, but not to the ex tent that the past week brought forth. But the employers have only until April 30 to elect whether they will reject the state law and seek Insurance elsewhere, and the time Is considered short for the casualty companies to make an impres sion on the state's business this year. Comparison Is Made. The following table gives a compari son of the casualty company rates with those of the state: Lumber Schedule. Com State, pany. I-ORglns V 3.00 . 3.00 LogffinK railroads, operation and maintenance, including trans portation of employes to and from work 5.00 8.O0 New railroad construction 5.00 6. t Sawmill. nlaninK-mill, ahlngle and lath 3. BO 4.M Taper and pulp mills a. 50 2.50 - Machine shops l!.0O 1.80 machine, ahopa and foundry com bined 2.14 Foundries exclusively -.:!." -.-0 Furniture -.75 1.80 t'offin and casket manufacture. '-.'' 3.7S Hos 2.75 2.4S Moat iiackers, Klftushterin k 2.0O 2.00 canueiies. no can manufacture. 2.00 1.2:; l-'ruit evaporators t.00 1.11 T'ruit packers, full com "I.oo .! Soap manufacture 2. 00 i.H4 l'tcki and vineear 1.0k- 1.13 tJakr : 1.0O .'.'2 Confectioners 1.10 1.10 Paper box manufacture, folding paper box 1.00 Cold utorase 2.00 Ice manufacture fcold storage and ice manufacture can be segregated) 2.00 Vessels 3.0O Grain warehouse. Urn. com 2.00 Flour mills 2.00 Plumbing, no division 2.00 Heating and ventilating, outside. 2.00 Heating and ventilating, shop. . 2.UO . Galvanized Iron. tinning and sheet metal, shop 2.00 Ornamental brass, bronze away from shop. Inside building- 3.00 Creameries . ... - .75 Cemeinber pipe 1.50 Tile manufacture 1.50 Hrick. no underground mining. 1.50 Kish curers and packers .00 Kepalring of boats, gear, etc... 4.00 Stevedores In connection with above on Columbia River with full commission .............. 5.(10 Woolen mills , 1.00 Chair factories 2.75 Contractors' Schedule. Asphalt layers 3.00 Bill posters . Boatbuilders 5.00 Carpenters, const. work not bridgo building 4.00 Carpenters, interior trim and cabinet work only 4.00 Cellar excavation (no caisson or sub. work) COO Clearing land, removing stumps and grading 3.00 1.00 1.74 2.53 2.51 1.50 l.'.2 2.02 2.02 1.42 1.42 8. 55 .t2 1.25 1.54 3.80 3.31 2.84 4.SH .S.'l J.52 2. H0 2.7 3. WO 4.70 2.1 6.47 3.33 BUREAU TO HIRE PICKERS Government to Supply Workers for Hood IJiver Strawberry Fields. The Portland branch of the United States Government's new employment i r t I- t S' "rja.fct J 11 X 7 J l F. X. KollorK, Portland Anreat for PeaaNylvsnla Railroad System ho Retires on Pension. bureau has made arrangements with the Apple-growers' Association of Hood Kiver to employ the pickers for Hood River's strawberry fields this year. The season will commence about May 3 5, and the Government bureau has ascertained that about 1000 pickers will be needed in the Hood River district. Approximately half of this number will be supplied locally. The work will last until July, and men, women and chil dren can be used. Families can do the work well Pickers are expected to furnish their own camping outfits and do their own cooking. Locations for camps near the work will be furnished by the berrygrowers. Wood and water are usually furnished free, and a few growers are prepared to house some of their pickers. The Government employment branch of the United States Immigration Of fice, 424 Railway Exchange building, will receive and register applicants- for this work. Because of its close co operation with the fruitgrowers of Hood River this office is able to give assurance of employment to all workers it sends to the berry fields. No charge for the employment will be made. All who desire to take up the work should register as soon as possible, those in charge of the employment bureau say. $503 RAISED FOR BELGIUM Young Women Sell Tags Till Late at ight Willi Marked Success. "I want to thank Portland people for their kindness in coming to the aid of my people in time of distress," said Miss Kva Ancion yesterday after she had counted 503.21, the result of the Belgian benefit Red Cross tag sale Saturday. Miss Ancion is by profession a musician. She had contemplated giv ing a concert, but decided that there would not be 'enough money in it. Twenty-eight women and girls volun teered to sell from early morning to late at night. The funds are in charge of Miss Henrietta Failing, head of the relief work in Oregon, who will send them to New York at once with explicit or ders as to how they shall be used In Belgium. , Some of the young women who collected the most were Miss Dan gle, Miss Dorothy Loraine, Miss Corlne Clark, Miss Helen Klekar and Miss May Andrews, Miss Hazel Gallagher and Miss Effie Bilrton. 5 UNHURT IN AUTO CRASH Driver Saved From Arrest by Prom ise or Pajment for Damages. When M. T. fimedley, driver of an auto delivery wagon for the Troy Laun dry, attempted to pass the vehicle driven by V. R. MacDonald, contain ing his wife and two small children, at Grand avenue and Hoyt street yes terday afternoon, the machine crashed into the vehicle.' None of the occupants of the vehicle was hurt, but the right hind leg of the horse was broken and the rig was smashed. When Motorcycle Patrolman Bales ar rived on the scene the horse was shot. John Tait. president and manager of the Troy Laundry, promised reparation to the extent of paying for the dead horse, making good the repairs necessary to the buggy and lending Mr. MacDonald a horse until another could be pur chased. Because of this Patrolman Bales did not arrest Mr. Smedlev. whn had violated traffic rules in endeavor ing to pass the rig on the righthand side. OWNERS DO OWN PAVING Contract for Broadway Is Let Under Permit From City. Having obtained the permission of the municipal department of public works, property owners on Broadway between Morrison arid Washington streets yesterday awarded a contract to Oskar Huber for the patching of the pavement along their street. The work will be started at once. All the holes now in the wearing surface will be rebuilt and the street will be placed in perfect condition. The street first was paved about 12 years ago. It was maintained for five years by the original contractors and for five years more by the city. The city now holds that repairs are up to the property owners along the street. Repair of pavement now under main tenance of contractors or the city is to be undertaken within a short time for the benefit of the Rose Festival, when it is planned to have all the streets in perfect condition. RAILROAD MAN TO RETIRE ON PENSION F. N. Kollock, at 70, Will End Active Service With Penn sylvania Company. RETIREMENT DATE MAY 1 Thirty-Five Years Spent With BU Company, 22 of Which Have Been in Portland and Home Will Be Continued Here. ' F. N1. Kollock, who for 23 years had been district agent for the Pennsyl vania Railroad system in Portland, will be placed on the "roll of honor" of that company May 1 and retire on a substantial pension. Mr. Kollock has been in the service of the Pennsylvania system for 35 years. He celebrated his 70th birth day April 26, and under the rules of the company must retire under the age limit. He would have been permitted to retire at the age of 65, -but pre ferred to stay in "the harness." He is the first man on the Pacific Coast to receive the benefits of the pension sys tem. "The Pennsylvania Railroad always takes tare of its veteran employes," is an axiom among the men in the serv ice of that road. Its pension system is considered one of the most humani tarian Institutions in modern indus trial life and has been emulated by many other railroads and industrial enterprises. All employes of the com pany, from the trackwalker to the president, are subject to its provisions, and on the same terms. But it is a notable fact that no president ever lived to the compulsory retirement age of 70 years. Service Dates to 1SKO. Mr. Kollock began his service with the "Pennsy" In 1880 as soliciting freight agent at Fort Wayne. Ind. He was in that position for 20 years, when he was promoted to the agency of the Star Union Line at Fort Wayne. This line then operated the fast freight service of the Pennsylvania's Fort Wayne division, but now its service ex tends over all other divisions of the road. After 11 years as head of the Fort Wayne office he was sent ot Port land to become district agent for both the freight and passenger departments. That was in 1893. He was the first representative for an exclusive freight line in. the Northwest, with the excep tion of an ageut for the Merchants' Dispatch at Tacoma. His territory con sisted of Oregon, Washington, Idaho, Montana and British Columbia. He spent most of his time traveling. He had desk room at 246 Stark street, which constituted his "headquarters." E. S. Jackson, now a real estate agent here, was his city solicitor. As the business of the Northwest grew Mr. Kollock expanded and en larged his office. Three years ago he opened the present elaborate offices in the Railway Exchange building. In stead of one solicitor he now has a number of street men and traveling representatives. The territory that he formerly covered has been cut up, owing to the rapid increase in busi ness, and separate offices have been established at Tacoma, Seattle and Spo kane. Previous to his service with the Pennsylvania Mr. Kollock was con nected with the Chicago, Milwaukee & St. Paul road at Milwaukee, his home city. When the Civil War broke out he joined the Twenty-ninth Pennsyl vania Regiment of Infantry and served in some of the most important en gagements of the war. ' He was with Sherman's army on its march to the sea. He is a member of Lincoln-Garfield post of the Grand Army. Mr. and Mrs. Kollock have three sons F. N., Jr., who is treasurer of the Washington Electric Company in New York; John K... a prominent Portland attorney, and L. R., in the building supply business here. It is probable that Mr. and Mrs. Kol lock will visit their son in New York, but they expect to remain perma nently in Portland. A year ago John S. Campbell came to Portland to relieye Mr. Kollock of many of his duties, but the latter con tinued actively in charge of the office. On May 1 Mr. Campbell will succeed Mr. Kollock. "Rut so long as he wants to stav IB Ill) HP m 2V lilt Pi Charge Purchases Made Todag Go on Your May Acct., Payable June 1 Next Wednesday Will Be "Red Letter Day" in Premium. Parlors 4th Ft. IP 4.C Trading Stamps Will Be Given Free to All Visitors Bring Your Book Along Agents for Ladies' Home Journal Patterns and Publications. Use Home Journal Patterns for Best Results. Olds, Worttnan & King Reliable Merchandise Reliable Methods Pacific Phone Marshall 4800 Home Phone A 6231 Aprents for Gossard Front-Lace, Nemo, Bien Jolie, Royal Worcester and Bon Ton Corsets. Spring Styles Now Ready. DoubleTrading Stamps With Cash Purchases Made Today All Over the Store! r ri- Book-Filling Event for Stamp-Savers Do Your Spring Buying Here Today and Fill Your Books in Double-Quick Time Special bargain offerings will be in force throughout all sections of the store, afford ing splendid savings on seasonable and wanted merchandise of all kinds. If you are not saving' "S. & H." Stamps start a book and get your share of the premiums. 3?C Trading Stamps Represent a Liberal Discount ' on the Money YOU HAVE SPENT SJ'BLE i BO' Increase Your Income Sang STAMPS It's tfie Surest Road to Real Economy We Know Of. Stamps Are Given Free With Purchases A simple, straightforward method we have adopted to show our appreciation of your continued patronage and to secure new cus tomers. It will pay you to investigate this greatest of all profit-sharing plans and choose beautiful articles for home or per sonal use. ABSOLUTELY FREE OF COST. mi Over 4QOO Beautiful Premiums From Which to Select Wiihout One Cent of Cost to Your Thousands of &?Hl Stamp Savers Will Reap the Benefits of this Generous Offer Double Stamps mean a double discount on your purchases an additional saving which no thoughtful person should ignore. Just now, when all thoughts are on the new Spring and Summer needs, this generous offer will be welcomed by thousands of our cus tomers. As everybody knows, there isn't a human need that cannot be supplied at this store, and at less cost than elsewhere in the city. WTien you consider this fact and .add to it the tremendous advantage of the Trading Stamp feature of our business you MUST realize that IT rAia TO TKAUE HrJKrJ. Stocks throughout the store are now at their best as sortments are large and varied, showing the newest creations for the present season. Make up your mind NOW to shop here today and get Double Trading Stamps with your cash purchases. Premium Parlors Fourth Floor Come and see the beautiful and useful articles to be distributed free to those who save "S. & H." Green Trading Stamps. Get the Stamp Habit O-Cedar Mop and Polish Third Floor Indispensable for the Spring housecleaning. Prices now reduced to 7o and $ 1.125 O-Cedar Oil 25?, 50?, Jji2.5U mm i . 1 iL.i a I lsgj Jagggjli iMJ feHajasdU IfefeSi jJM Uag fcwJSj ig&Sj ji JJ-Zj laL,, I here this will be his office," says Mr. Campbell. "So far as the company is concernea he is only on a vacation. i Walker luunm Is Freed. Portland society was well represent ed In Municipal Court yesterday, when Walker Kamm and rhilip Kamm, grandsons of Mrs. Caroline Kamm, with their San Bernardino brides of but a few months, appeared in a reckless driving case. Walker Kamm was charged with recklessly operating an automobile at Third and Clay streets last week, auid tho others were in court as witnesses. Maurice Nudelman; driver of a South Portland jitney, was the complainant, claiming that Walker Kamm had near, ly collided with his jitney last Thurs day. On the testimony of his wife and sister-in-law, Mr. Kamm proved to the satisfaction of the court that tho jit ney driver was going at an improper rate of speed and that the Kamm ma chine had the right of way. Mrs. Caroline Kamm wa eito.1' to appear on the warrant, but it was found that her grandson had been driving the car at the time, with hi wife, brother and slstcr-in-la w as pas sengers. Fines of $10 each were levied upon 11. 1t Kichenbcrger, Frank Owouk. W. S. iSwagert. IjuiH .hell. C. D. Starr and (5. A. Wcilf-rhi'l1 for spodintr. iiiiiiiiiiiiniinniniiiniiinninnniniiiinri You will like the taste of Cottolene-cooked foods In addition to making food better, Cottolene makes it taste better gives it more appeal to the appe tite a relish that cannot be ob tained with any other shortening or cooking fat. Cottolene is itself a choice pure food product. It consists of the most highly refined cot tonseed oil, combined with selected beef stearine. Cottolene has for a quarter of a century been a leader among pure food products. Make your biscuits, your pies and your cakes more tempting, more pleasing to the palate, more easily digested, by using Cottolene for shortening. Always heat it slowly and use one-third less than of any other shortening or frying fat. . Arrange with your grocer for a regular upply. Write to our General Offices, Chicago, for a free copy of our real cook book "HOME HELPS." tr:i;...Hiiniii?nimTmnMi;nnHi;miiiniinniHiiiniimiiii"'''' i ins; r: ::MvifMiniiiim iiiHiiit 1 tTHt h,k FAI F? R A N K'cowpamt f "Cottolene make good cooking better" II!I!!lI!!IIlIUUniiIII!Iil!II!!lIIIII!l!!!!!Iin - The Original MALTED MILK Unions you say "HORLIOK'S" you may get a Substitute Ill"'" w mi HE 1 I f !! e w: mikPi :K:ia 4 p:-.: mm mm IS mitnt..i si r "Such Stomach Comfort" liliil 'II H Hi. lift " W ! is rarely known as that which comes to him who drops food follies and starts upon a diet of lire dieted, ii .ii i - l.:'l ii- 'Mil m ! I Win. mm A In it ii I) t ihi i i iiMi i the food that contains all the body-building material in the whole wheat grain made digestible by steam-cooking, shredding and baking. These crisp little loaves of baked wheat contain the greatest amount of nutriment at lowest cost. Cut out heavy, expensive foods for a few davs and try Shredded Wheat. Ready-cooked and ready-to-serve. A food for youngsters and grown-ups to work on, to play on, to live on. Hi! 1 1 f ? mm i t! Mil : Two Shredded Wheat Biscuits, heated in the oven to restore) crispness, served with hot milk or cream, make a complete, nourishing, satisfying meal at a total cost of five or six cents. Also delicious with fruits. TRISCUIT is the Shredded Wheat Wafer, eaten as a toast with butter or soft h. ,1 r iMir .it wxaccc9 ur as a. iuuiuiuic iot X ! ' I ti i i n, i h 'inif ii t in ii i n' 1 i i i WW 1 ' fl il ! i i mi nm mir r: : .-. mi. WW' - v-.-v- U I I ' I t !. isnreaaea waeac vvarer, eaten ? :-85V-!i Nr-tlS.i-Sb. fTV I ;. i a. a toast with butter or soft W I Ijj k cheese, or as a substitute for WZW fe'l ' I ll Ml. White flour r-.A r TrflrSiy - I i ! :i ris:i ! to,. ",.. smrf.llZC ' . , 3 ii'. ! ! ' )!! f U. sra.cn.ea-s. .z:-yr?- cv r : : 'it tt.. I " J 1 P m i 1 NUd.oiyby mm'nm HiiU WU;i Mi : ' k Ji I i ,i i i i I' ! S ii, ii . i .Hit; U. i i !!J"I 1 ill," '' ' '' i i (i i ' t'.t! Ml : iJ,'V(..-i,r-': ! i i:l ,1.1 I'tn.!' i .:,r.'..".. MiA UJi tia uiuiJi i4