degree to which the experience of the risk may be trusted as indicative. Z is always fractional, increasing from 0 to 1 in accordance with a law which is based upon volume of payroll exposure and hazard. The application of Z to the "indicated" departure produces the "allowable" departure, items 23 and 24, and 30 and 31.

The credibility factors Zn and Ze are determined by formulæ (items 22 and 29). Kn and Ke, used in working out these formulæ, are constants, and are obtained from the Experience Rating Plan. It will be noted that the "normal" credibility factor (item 22) is much greater than the "excess" credibility factor (item 29). This is because the "normal" exposure is greater, a much larger number of losses being expected than is the case with the "excess" experience. The "normal" experience is, therefore, more dependable, and more credence is given its indications, as explained in Chap. XVI. The adjusted losses (items 25 and 32) are next determined. In this example the total adjusted loss (item 33) is determined by adding the partial adjusted losses for the two elements (items 25 and 32). The risk credit is then determined and converted into terms of per cent (item 35). If a charge had been indicated item 34 would have been used. The final adjusted rates are produced by applying the credit to the manual rates (item 54, Exhibit B).

of

Injury

18. Name of machine, tool or appliance in connection with which injury occurred, if any.

Unless it appears from the above report that the injured is no longer disabled, then a supplemental report on "Employer's Supplementary Report of Injury" must be made at the termination of disability or at the end of fifteen days if disability should continue beyond that period.

1 Employers are required to file these forms with the Department of Labor in accordance with Sec. 110 of the New York Workmen's Compensation Law.

SUPPLEMENTARY REPORT OF INJURY

STATE OF NEW YORK

DEPARTMENT OF LABOR

OFFICE OF THE INDUSTRIAL COMMISSIONER

BUREAU OF WORKMEN'S COMPENSATION

Notice of Return to Work when disability lasts 14 days or less with no permanent disability.

Case No..

Ins. Carrier's No.

EMPLOYER'S SUPPLEMENTARY
REPORT OF INJURY

This notice to be filed promptly with The Industrial Commissioner in every non-compensatable case if Form. C-2 "Employer's First Report of Injury” does not show on what date Injured Person returned to work.

APPENDIX XXI

FORM OF NOTICE TO EMPLOYEES1

NOTICE

The undersigned employer hereby gives notice that he has complied with the provisions of the workmen's compensation law and the rules of the Industrial Board of the State of New York, and that he has secured the payment of compensation to his employees, and the dependents of employees, engaged in the hazardous employments enumerated in the said law, and has elected to bring within the provisions of said law all employees whether engaged in such hazardous employments or otherwise, including employees engaged in maritime employments. Such compensation has been secured to such employees, in accordance with Section 50 of the Workmen's Compensation Law, by insuring with

(This notice must be posted and maintained in a conspicuous place in and about the place of business and should also be posted at each principal entrance used by the employees.)

THIS FORM MUST BE COMPLETED BEFORE POSTING

1 Required by Sec. 50, New York Workmen's Compensation Law.

APPENDIX XXII

RULES GOVERNING PRODUCTION COST IN GREATER NEW YORK

The situation in Greater New York is peculiar, principally because practically all of the business in this territory is developed through brokers. This peculiarity is recognized by the establishment of a special set of rules covering the five boroughs of Manhattan, Bronx, Queens, Kings and Richmond.

In this territory the rules provide for the following classes of representatives:

1. Principal office.

2. Borough agents and borough branch offices.

3. Supervising special agents.

4. Regional agents (for Queens County only).

5. Office agents.

6. Brokers.

Principal Office. The principal office may be the home office of the company, a branch office or the office of a general agent. It is the office through which the business of Greater New York is controlled and supervised, and its functions are similar to those performed by a general agency or branch office in the field.

Borough Agents and Borough Branch Offices. A borough agent is a representative under contract to act exclusively for a given company in the lines of casualty insurance which it transacts. He has a definite territory under his jurisdiction in which he develops business from brokers but he may have, in addition, a large amount of direct business which he produces personally or through a staff of salaried solicitors attached to his office. The rules specify that a broker shall not be eligible for appointment as a borough agent.