STATE INSURANCE
PLANS ARE GIVEN
Assistant Manager Allen Ampli
fies Statement Issued by
Board Yesterday
WILL PROTECT
Advantages of the State Fund
Arc Pointed Out in State
ment by Expert
The announcement by Chairman
Robert K. Young, of the State work
men's Insurance fund, last night that
the rates would be 10 per cent, less
than the approved rates in the Insur
ance rate manual and that $5 would!
he the minimum premium is the be
ginning of the State's campaign in .
behalf of the fund for liability lnsur- j
ance. . . . !
Mr. Young's announcement bad (
been awaited with interest by people
all over the State, every employer be- t
ing interested.
The formal statements issued are as
follows:
The State Workmen's Insurance
Board, as a result of formal action
to-day, announces that the board
will make a reduction from the
approved rates of the insurance
rate manual of 10 per centum,
and that the minimum premium
is fixed at $5.
R. K. YOUNG. Chairman.
Stat.-* Workmen's Insurance Board. :
In connection with this general an-j
nouncement Assistant Manager Albert j
la. Allen, of the Insurance fund, issues
the following explanatory remarks;
"In the announcement of this ap
proved rate reduction of 10 per centum
on all rates it is a matter of much in
terest and concerns all employers of f
labor in the State of Pennsylvania.
"The law creating the fund requires I
that the premium rates shall be fixed
at the lowest amount consistent with
the maintenance of a solvent fund and
the creating of an adequate surplus
and reserve. The fund pays no com
missions to agents and does not have
to earn profits for stockholders, and
for the first three and one-half years
the entire expenses of the manage
ment are paid by the State. elimi
nation of tlies.e expenses is sufficient to
allow the board to write insurance at (
this reduced original rate. The bal
ance remaining which may be ap
plicable on the basis of an average ex
perience also gives every prospect of
returning a very substantial rebate in 1
dividends to subscribers at the end of j
the vear so e.s to bring the cost of
insurance in the State down to a much j
lower basis.
How to Obtain It
"The employers may obtain their | (
compensation insurance in the State at
a rate lower than that charged by the
stock and mutual comnanies, and also
will receive the benefit of additional
advantages which cannot be obtained
by other forms of insurance. Employ
ers insuring in the State fund can ob
tain a complete release of their per
sonal liability and full protection of
their propertv against compensation
liens. If the subscriber to the fund |
. makes the report of an accident within |
S seven days, his liability ceases and is J
transferred automatically to the fund,
so that no valid Hen can be filed
against the property of an employer
insuring In It. Every other form of
insurance leaves the employer per
sonally liable, so that every agree
ment or award of compensation may .
be entered as a lien against his real 1
estate wherever situated within the
State, and this Hen cannot be dis
charged until the whole compensation
agreed upon or awarded has been paid
In full. In serious cases this com
pensation will run for a number of I
years, during which period the Hen
must remain as a cloud upon the em
ployer's property.
No Contingent Liability I
"There is also the advantage to sub
scribers in the State fund that there i i
will be no contingent liability to as- j 1
sessments to which all employers In- | .
surlng in mutual associations are sub- j
ject. The purpose of the act was to
make the payment of the premium the i I
sole liability to subscribers, and no j
assessment will be levied in any case. I |
as there is not. one word in the act t
creating the State fund that directly i /
gives or by implication suggests the
right of assessments. ,
"The State fund will provide insur- '
once at net cost, and by the elimi- >
nation of the operating expenses which |
other companies must pay out of their
premiums it is reasonable to assume I
that the State can furnish complete
protection under the new law at a j
price below that of other insurance.
The Minimum Rate
"In the announcement of $5 as the I
minimum premium the board has
solved the problem which has been I
confronting the small employer with
one. two or less than five employes en- |
gaged In occupations of a minor
hazard. This amount was decided i
upon as an attractive inducement to '
the small employer to insure in the ,
State fund, as it was apparent that it j
would be necessary to issue the insur
ance for the small employer at a price |
which would not be a burden to him.
The employer will have the same com- i
nlete protection and release from Ha- "
bility as the regular policy, and It Is
intended to encourage the acceptance I
of the workmen's compensation act by
the employers whose estimated pay- I
roll is of an amount where the indi
vidual classifications are not com- |
putable at a rate which would exceed <
the minimum figure. It is probable | i
t bat this minimum adopted by the I '
State fund is less than the other com- j
panies will desire to issue policies to j '
the employers who would come within j
the minimum limits." j
Social and Personal News I
of Towns Along West Shore
The Rev. B. F. Emenhelser. of Shire- '
manstown. is assisting with the revival ,
services in the Mount Zion United I
Brethren Church.
Mrs. James McCurdy and son, i
Thomas McCurdy, of Washington
Heights, spent Wednesday with rela- J
lives at Shiremanstown. |
Mrs. Margaret Wertz, of Shiremans
town, is spending some time with her I
sister, Mrs. Weigel, at New Cumber
land. |
Mrs. Anna Bealor, of Shiremans
town. is spending the week-end with ,
friends at Sterret's Oar. '
Miss Jeane Dodge, of Harrlsburg, ,
spent Wednesday with her aunt, Mrs. '
H. M. Rupp, at Shiremanstown.
Mrs. C. H. Barlup, of Shlremans- |
town, spent several days with her
daughter. Mrs. Claude Ellcker, at |
Camp Hill. '
BENEFIT MOVIE IN SCHOOL '
A motion picture show will be given .
this evening In the hall of the Camp (
< urtln school building. Sixth and Wood
bine streets, by Miss L. LiVene Grove, t
an instructor in that building. The I
proceeds will be added to a fund belnir
raised to purchase a piano for the I
building.
COUNCIL SUSTAINS VETO I
Sfitrial to Tht Trlegraph
Camp Hill. Pa.. Nov. 12.—Borough '
council last evening voted to sustain ,
Rurgess Milhouse's veto of the ordi- '
ranee appropriating $2,500 to repair. j
street. 4 I
FRIDAY EVENING, HARRISBURG TELEGRAPH NOVEMBER 12, 1915.
ONLY AT KAUFMAN'S COULD THERE BE SUCH A SALE AS THIS!
$75,000 Worth of Fresh New Merchandise in This Big NOVEMBER SALE
i i \
i Another Lot of Those Wo- Another Lot of SILK T L£lf<n r\fYci
men's and Misses' OQC DRESSES; (DO Q C S-ir
iNUvqiiDembafii STORE OPENS BA. M.
1 SS RAINCOATS, worth to $7.50 . J^aleOf CIOSFS SATURDAY
Heavily rubberised English rep of best grade Susquehanna Pc-c - -.l'._ . I jdl Unl/rt a
JSRARI.IRAR~' RJS: G TOTKS , EVENING AT » p. M.
New Surplus Stocks Just Received and Ready For To-morrow (Saturday's) Selling
Entire New Lots of Women's and Misses' Suits and Coats on Sale at Less Than Maker's Cost
jyf Extra Special! Exira Special! .
Every worth while style, eolor and material prod ti cod this
v //")/') /T#*/_, W *" t to chooso fro! " ,h <" leading makers' host products and %"] WjkL
vb f JL 1/ 1/ M-jtl 11 Id V 2fV LU s * ve money, attend this sale to-morrow. 'n (X*
That Were Made to "ttlZZZX™ 7C J* &k
JH if 3»k, se// af $55 to £SO For L VV.Itf
,-■s*—-' jr?rl"7 Up to sl4 WINTER COATS
/V/// V\ H& SLINA f i I or Women a nd Misses; P"A JKwKm£*vMUK\
Wwnm ■• ' ' Manufacturers' Sale Price . . £fc|| /Ml Y^\
' K vurlet >" of new styles, colors and #P#\F ttßmm \»\
;. '| r\ surplus Stock of one of New York s famous mak- sizes T \m\
/ | \ ers, including 50 Sample Suits. Up to $lB WINTER COATS fM J MJMm llmmk- ./™B|b4 ll|
/ I I | j III I I Tj/i j I | l.ast Saturday's offer caused a commotion and so will this. For Women and Misses; J mfjjmm. f ■■.
/ f J IIV \W' J \ ~k lot Includes suits that were made to sell at $40.00., $45.00 and M* nil fa rfn «•»*•«' Sal* Alvl F 1 Mffiff B*l*
\ |l| I Ji J >0.00: none that were less than 935.00. Materials are tine imported ™®nUtaCtUferS oale rHCe . . \|/JLisfli ffIWH HH; ;A
/ / j j V j .iroadcloths, fur trimmed and lined with best grade pcau de cygne, bmart new styles, colors and sizes. * \\
( J \y iy \ i «ith fur on both <'ollar and Itottom o"r",i,*r " ot "-Hup to S2O WINTER COATS AJ m K r> WMUUImgR&U-1 l| (JU
;F\\ F \ SMART $15.00 SUITS FOR WOMEN AND «> FT AN Womeii and Misses; % | *l*
/ I \ MISSES; Manufacturers' Sale Price .. «py*oU Sale Price . . W/JL JL I /J )" —-
(J C\ E,c S ant variet - v for satisfactory choosing. All colors and Sty,eß • - d matcrla ' B ' // ) iA
(JL sizes Up to $25 WINTER COATS /hjA aa 1 /
$25 SUITS FOR WOMEN $25 Forstman and Hoffman P° r Women and Misses; m | «/
AND MISSES —Manufac- „ . ManufacturpiV Sal#» Prirp #l¥ 111 ; \ I
SIMO Suits lor Women and Misses turers' Sale Price Su '«^1 ce"„ «»V '
%r~. sa,e . $ 12.00 $ 18.00 price I m ' x turea with blu fur collars; assorted colors and sizes.
All the best styles,"colors and sizes. es t A s\yle, a B AU and $1 Q £fl HEADQUARTERS FOR PLUSH COATS AT KAUFMAN'S '
'P 1 v it/v . Every garment brand new, latest style, belt aiul loose back models, some have fur collar, some trimmed
Extra Large Sii* S3O Suits With fur on both <x>llar and bottom of coat.
$22.50 Suits for Women and Misses f° r Women and Misses; , da v R K. ... -'" st a " iv "' >e?tei - $25.00 Plush Coats for $37.50 Plush Coats for
Manufacturers' Sale d> -j A [-Q Manufacturers' Sale Price Greens and' African Brown n' e $ 32 * 50 Plush Coats for .$24.7.5 j $45.00 Plush Coats for
Both fur trimmed and plain tailored $19.75 It'..'7™;l,,i'.°,lPOPLlN AND BROADCLOTH EXTRA SIZE COATS FOR WOMEN
stvles. All sizes and c..lors, Bl.\l "n.VIR"' W ~" M 1""' "*» T". $15.00 I £,',?*£?% j?,?'?.. $20.00
Sfarfrlincr Tpwplrv
Specials For «<«« 1 Unmatch Salej
Saturday WINTER COATS— 00 NEWEST 5 This Season's Newest Trimmed &(Jntrimmed Hats at Maker's Cost I
and'sax-e 1 Here's" k Manufacturers Sale d»9 7 C i New $4.00 Trimmed d*o Q A \ Smart Trimmed $1.25 [JQ ★
remakable offerinßs that will pay " n ce *Pfc»s f O j&MSm. I Hats ... \ Velvet Hats 0«7 C -
you to investigate. /.OTMn „ . tp\ML;L'h X ... ~ . . , , , ... Z
A,H T" 1 ", 0 ' Corduroys. Astrafchans, Model- jpX hj * Attractive new styles, trimmed with In all stvles and colors. I
SPECIAL SAIaE OF 1 U. 1"\ c ,^ ssorted colors. Sizes from HL* J'• * ostrich bands and pompons. +
PARISIAN IVORY NOVELTIES ° ' en " : _ fM&i&zEm i n /-a iv d>, nc —. t
50c Rutton Hooks. Nail _ JKW |.! IS PTDT c< «c n n t-z-i r.n i,r, * New $5.00 Trimmed dj O f\/"U Excellent Quality $1.75 OA +
Files, Cuticle Knives, etc || CJIRLS $5.00 TO $6.00 NEWEST * Hats Ipij*«/U / Trimmed Velvet Hats U«/C *
$2.50 Three-piece QC M®W|||Jjli ' NTER COATS— i Handsome Velvet Hats, in a big All colors, in medium, large and ★
Toilet Sets w * Manufacturers' Sale rt» «~ft mpx J variety of styles. A small shapes. J
Put up in neat lined boxes. [ nrice ' n » / \1 I \ h *. _*-? L *
«££!!*?* 48c |Wn XLH $ N ' w , s7 - 50Trimmcd s4 - «fci 4.0 ;
rX?XZ*V* 24c m 4iLJr'„ L frs-,. r^'°"' i •*» r~» * ",' s < ,„« or wv V wd HATS . 9 *.»w j
OirU* <Sfi Sfl Winter miT? fITRT Q' «ta cn Dt u at> * aigrettes, pompons, wings and buckles Of fine \el\et or Hatter s plush, all +
MANUFACTURERS' SALE OF wins SO.OU Winter I b VjlKL#o $8.50 Plush and Fur- * and made of good velvet. 1 new models and colors. ★
ROGERS Manufacturers' QC Trimmed COATS—
Tea Spoon, Manufac- Sale Price ... $1 .V D Manufacturers' d»/> Q q v 1111111 111111111 l 1111111 >♦
turers' Sale Price, doz.. . ""C A big range of styles and mate- .. " rlce •• • ▼O• V W FOR SATURDAY ONLY |j ||
sjr&j* o™' 0 ™' """sryi T «,»="*. s<,r " d co " s P eci.is.ieof $1.50 :: 5M New Girls Serge & Corduroy Dresses
*4 doz w x »*i*x and brown. I J* ' If;J /t» t +rw . ■
COATS— 0 to w WINTER ° i fFuJ°TrLmtd s COATS- H G ' ov(> ii TbeSorplusStock of a Big New York Maker ;i
Price 51.79 Manufacturers' d* CAC Manufacturers' dj Q Ff 300 P airs of ladies' 2-but- )) Girls' Wool Serge DRESSES; Girls' All Pure Wool Serge !!
Berry Spoons Sale Price .. . *P O•*7 %J Sale Price ... tPOot/i) ton Kid G,oves ' in llla ' k and 11 Worth $3.00. Manufacturer's and Corduroy Dresses. Manu- | \
Cream Ladles 10., Choice of Corduroys. Mixtures. Both high grade garments of best white, white an a. , our ( facturer's Sale d» O f\Ff "
ream utiles zibellneß and Modeled mbs . As . "?«terlals and lining Plush coats. rows silk stitching; also all ;• d | c JL 1 Utj wwuiw s, oic U M |Jk "
Cold Meat Forks sorted colors. Sizes 2 to 14 years. ZV the neW plain COl ° rS - " Pn " V I .V •* Price ....
SI.OO Alarm Clocks. ———— I^—. On Sale-First Floor. , j) Charming new Worth up to $5.00. !!(
Manufacturers' Sale Price.. "•'C ———— frocks in assorted Col- //£?[. t+%L e,,. . r , ! '
These are guaranteed. I IIJ ' llltßlMM—B——Mi .. . , f .ff ®B|jjv I Ills hall S smartest JJj
Bargains Galore <h MkryguLßgm^f;
of sterling silver. Manu- e ! I models nicely made V&njj Tn\J/ blue and a 1 ° r ::
facturers Sale Price &C DRESS GINGHAM 7Srß a hv I *' and trimmed Sizes 8 \Xiff J/\IZ good colbrs. Sizes 8< ' 1
Tfh n l^ oo Leather Handbags. Fine grade. 32 inches in manv /p • ■-.s& 75c Bab Y and trimmed. Sizes » fM *
r satu e rday e on!y 49 C d es . * n *™] on : 10c Blankets, each ..to 14 years. to 14 > ears.
v • i! Girls' All Pure Wool Serge Girls' All Pure Wool Serge
m 52.00 WOOLNAP PLAID * j on 5 -/I Dresses; Worth $4.00. Man- Presses, Values up to $7.00. .
10c PILLOW CASES BL.\XKETS U •• , Manufacturers QC..
With a 3-inch hem— Ofi Fancy grav blue ind Dink nTairi 'H I! ftv-. ufacturer's Sale OA C Sale Price *J)TT •*7 '•
size 42x36. four Tor ~ 3 K • • a d P |nK P' a| o These Blankets are pink and blue ~„ . Jn /..'+ !| , R , , . T? il
four for blankets: size 64x76 inches. Sub- with animal designs, size 36x50 11 Price fhe newest of the new Fall ;; ,
12Hc HEMMED PILLOW CASKS , ject to slight imperfections. inches; wool finish and heavy qual- ' ! . . r -„ . Styles, beautifully made and-.
42x36 and 45x36, 10c ity. n Attractive new hall .styles, trimmed. A large variety from !!i
each $2.25 FLEECEDOWN tf» i CQ \! in all colors; sizes Bto 14 years, which to choose. All sizes. J'
PLAID BLANKETS, PR. w 1.017 $1.25 HEAVY COTTON Q7f ~
«T.T;«h h 24c PinK ..d -r= .1.. T.a.o Plain Wool Finish
Extra good quality. BLANKETS T D * O • I • DI/MICI7C '
MUSLIN SHEETS Colors—Tan, Gray and White $1.50 COTTON tfj 1 t}A I IWO ljl? uDCCI2IS 111 Ijl .11IJ jKj ti
Size 81x90 inches, good OQ. SS.OO PLAID o*7 $2 00 value. Special, pair. . . .51.38 BIiANKETS, PAIR i »Z4 i O 111 1/UWUmU
quality. Special, each WOOLNAP BLANKETS. ® A •"« *2.25 value. Special, pair....sl.jß Heavy Cotton Blankets, in tan, J i M.| .J. '■ '
T - f . noi Ri,*- ,UM , H » TB Full double bed size woolnap alue. Special, pair... .$1.68 Bra y. colored borders; size 72x80. J A rfOlMnCnt IflakCrS SUFpIUS JIOCKS
3-inch hem. extra'heavy' CQ„ blankets that will give you good •LOOi PLAID WOOL f%7 ♦ ' {
quality. Special, each 01/ C wear, in a large range of colorings. !;■_ KKTS, PAIR 53.00 WOOI.NAP BLANKETS ♦ Over 300 New Fall _ Women's Ncrr Fall '
These Blankets are made by one Extra larer tin with fancv hnr. I f\ "
of the best mills in Pennsylvania ders si7e 72x84' *1 0o Z WAISTS, values up to WAISTS, values up to " j
10c lICCK TOWELS «-.opi tin wool vtP An 1 « a,ld lomc tan, gray, pink and 2r V, , , 8 ' $1.98 I yzf IV 1
Hemmed, rewdy for use, extra m WKFTS P\lH 52.19 b,ue P'a'ds; double bed size. Special, pair | $1.50: Manufacturers' >/T*,# $4.00; Manufacturers' ], ,
good quality, all white j- HLA.NKCTs, IAJ It w " I IJ ■ /frjfl \ ~l
borders. Special, each **C This blanket Is a verj - heavy $4.50 WHITE LAMBS' <JO QC HAYDEN'B CEDAR OH, * Sale l"rlre yraH Sale Price .1 i
quality, made of extra One cotton WOOL BLANKETS, PR. wA.I/U MOPS AND OIL SPECIAL ! „„ Jim,' A _
micK Townri c yarn with a soft fleece surface. White Lamb's Wool Blankets, .. , . lt . J „ , 93c / fV/ Yjv 52.93
Extra good fart Hnelf size 17x with a "IlKht cotton mixture: pink * 'f 0 complete with 4Wt. \ 3JC *
34, assorted borders. 1 ft" $3.®5 FLEECEDOWN PLAID XhtlytoDsrffct™ 1 8126 70x80: Prico """* 98c J Beautiful Voiles, Organdies and These are simply exquisite. ;;
Special, each IOC BLANKETS. nlibhtlj Imperfect. Bale Price ♦ o _ Every blouse In new and decidedly !! I
PAIR ®Z.OJ# ... PT . m „ „ ! bGCO BI,KS ' attractive wntte ana handgome styles. Made of shadow ,
$5.00 PLAID WOOL BLANKETS. 7oc Mops, complete with 4-ft. J fancy stripes; either lace or em- i aceß pussy willow, taffeta, and '
15c Tt'RKISH BATH TOWELS Beautiful Fleecedown Blanketß, Extraordinary QgJ handle. Manufacturers' CQ r * broidery trimmed, long sleeves; all crepe de chine silk In plaids, stripes <>
Large white towels. I 01/ or in plaid block designs, silk bound; \alne; Fair . ••••••• •• . Sale Price «J»7C ♦ sizes from 3f) to 46 Almost end- and all the newest colors; sizes 36 |
Special /Zl# colors, pink, blue and tan; size 72x Beautiful 3-inch plaid wool blan-j T less variety of new styles from to 46. Don't'fail to see them if you 11
29c TURKISH BATH TOWELS checks. Size 68x80 inches. Manufacturers' Sale Price.. *I7C I ON SALE—FIRST FLOOR. ON SALE—FIRST FLOOR. 1
Extra heavy towels, large J9c .T.»..«t,.«...Tt»..TTiiiin^
5