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;
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
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
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
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
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:
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
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
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
Asphalt layers 3.00
Bill posters .
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
BUREAU TO HIRE PICKERS
Government to Supply Workers for
Hood IJiver Strawberry Fields.
The Portland branch of the United
States Government's new employment
J 11 X
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
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
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
RETIRE ON PENSION
F. N. Kollock, at 70, Will End
Active Service With Penn
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
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
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
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
"Rut so long as he wants to stav
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
Olds, Worttnan & King
Reliable Merchandise Reliable Methods
Pacific Phone Marshall 4800
Home Phone A 6231
and Bon Ton
All Over the Store!
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
Liberal Discount '
on the Money
YOU HAVE SPENT
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.
Over 4QOO Beautiful
Premiums From Which
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.
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
Third Floor Indispensable for
the Spring housecleaning. Prices
now reduced to 7o and $ 1.125
O-Cedar Oil 25?, 50?, Jji2.5U
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.
"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.
You will like the taste of
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.
is itself a choice pure food product. It
consists of the most highly refined cot
tonseed oil, combined with selected beef
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."
i ins; r: ::MvifMiniiiim iiiHiiit
tTHt h,k FAI F? R A N K'cowpamt f
"Cottolene make good cooking better"
Unions you say "HORLIOK'S"
you may get a Substitute
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e w: mikPi :K:ia
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lift " W
is rarely known as that which comes to him
who drops food follies and starts upon a diet of
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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.
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
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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
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