Full resolution (JPEG) - On this page / på denna sida - Social Conditions, by H. E. Berner
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variously, but never exceeds 50 per cent of the dead man’s wages.
If he himself is to blame for the accident, no compensation can
be claimed; and if the accident is occasioned by a punishable
action, the compensation is not limited to the normal amounts.
The funds of the insurance institution are procured by
insurance premiums from the employers concerned, and are calculated
according to the wages received by the person insured, though not
for amounts exceeding 1200 kr. per annum. The premium must not
be charged by the employer to the person insured. In calculating the
insurance premium, account is also taken of the risk of accident
connected with the work, and different risk-classes are therefore
established, each with its separate tariff, which is fixed by the
government with the approval of the Storthing, while the
government department concerned decides to which class an occupation
is to be assigned. In each municipality, the Local Board appoints
one or more inspectors to look after the interests of the insurance
institution, see to the payment of premiums and of the amounts
of compensation. The insurance institution, however, may allow
payments to be made through the public post-offices.
This act has proved, on the whole, to be of great use to
persons insured. Hut it has also appeared that the premiums have
been set too low, occasioning a deficit which it was resolved that
the state should make up. The last year’s accounts showed that
1,147,300 kr. had been paid in in premiums, and 77,900 kr. paid
out to 543 confirmed invalids, 11,770 kr. to 50 persons on condition
of subsequent reimbursement, 7,620 kr. to 55 widows, 10,900 kr.
to 119 children, and 1,440 kr. to 14 parents, about 98,000 kr. in
all. According to the account, 1.207,131 kr. have been placed in
the reserve fund. At the close of 1896, the assets of the institution
amounted to 1,375,966 kr., of which 578,000 kr. were invested in
mortgages, the remainder being in banks, or in the hands of various
debitors. According to the account, the following sums were paid
out or set aside for payment:
| a) | 4,284 | kr. | towards funeral expenses, |
| b) | 29,995 | » | in annuities to invalids. |
| c) | 13,744 | » | to the families of persons killed, and |
| d) | 296,739 | » | towards the medical treatment of injured persons. |
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