56 HOLIvAND - INSURANCE AND THRIFT 



The compensation was at first 312 times the daily pay (equal, that is, to a 

 year's pension) ; but, in consequence of the changes introduced at the end 

 of 1912 in the regulations for accidents in work, it has been increased to 

 three times that amount. 



In case of mortal accidents, the widow receives for her natural life or 

 until she remarries, 30 % of the deceased's wages, and every child receives 

 15 % up to his or her seventeenth year ; however, the total pensions of 

 the widow and children may not exceed 60 % of the deceased's wages. 

 Further, in 1913, the insurance was made to include the funeral expenses, to 

 the amount of 30 times the daily wages. 



It must also be observed that in case of accidents caused intentionally 

 or through serious negligence on the part of the labourer, there is no claim 

 to any compensation, and proceedings may even be taken against a 

 master accused of having caused the accident, voluntarily or by serious 

 negligence. On the other hand, the admission of members is subject to 

 the approval of the local commission after consideration of their character. 



Masters' Contributions. — The costs of insurance are paid by the masters. 

 The members must pay an entrance fee in proportion to the amount of 

 wages they pay in the year. 



It is calculated as follows : 



for masters paying annually 1,500 florins in wages . . . 3.00 fls. 



" " " " from 500 to 1,500 fls. in wages 1.50 fl. 



" " " " less than 500 fls. in wages . i.oo fl. 



" farmers not emplojdng labourers 0.60 fl. 



In addition to the entrance fees, which are used to pay for the costs 

 of installation, the funds for purposes of actual insurance are obtained 

 by means of the contributions in proportion to the wages paid by members 

 to their labourers. 



In determining the amount of wages, first of all the information sup- 

 plied by the masters is considered ; lists {loonstaten) are made out at each 

 payment of wages, showing the total amount paid ; and the number of 

 persons employed, the number of the employers' children who are insured 

 and their wages, as well as the cost of maintenance of such children, the 

 labourers and servants living in the house and the amount of wages paid 

 in kind. In this way, the amount of wages paid by the master and re- 

 ceived by the labourers, in any form, is accurately established. These lists 

 of wages are far simpler than those instituted by the law of 190 1 on 

 industrial insurance ; in accordance with that, a separate list had to be 

 made for each labourer and the wages received had to be entered week by 

 week, whilst in the case of the mutual agricultural insurance societies only 

 one entry is made each time of the total amount for all the labourers. In 

 the case of such masters as do not fill in these lists, and when the accuracy of 

 the information furnished is doubtful, the amount of wages is calculated 

 by the I^ocal Commission on the basis of the number of labourers, the 

 nature of the work and the average wages paid in the district for such work. 



