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tions covering liability under the Pennsylvania Workmen’s Compensation
 Act. Compensation insurance rates in Pennsylvania are calculated
by two Rating Bureaus, one of which has charge of the industrial class
of business, while the other Bureau has charge of coal mine business.
These Bureaus are supported by the State ‘Workmen's Insurance Fund
as well as all other insurance carriers writing compensation insurance
policies in Pennsylvania, but they are under the control of the Insurance
 Commissioner of Pennsylvania. Under the rules and regulations
of the Insurance Department, the State Fund, as well as all other insurance
 carriers, is required to report to these Rating Bureaus the
description as well as the cost of all accidents which are reported to
them by their policyholders. Likewise, a report is required to be made
sovering the payroll and premium covering each and every policy
issued by the various insurance carriers. From this data the Rating
Bureaus promulgate the rate which, after their approval by the Insurance
 Commissioner, are used by the State Workmen ’s Insurance Fund
as well as all other insurance carriers in underwriting compensation
insurance policies. These rates are the same for the State Workmen's
[nsurance Fund as for all other insurance carriers. These published
rates are subject to modification by the application of an experience
rating plan and also of a rating schedule, which, as applying to industrial
 business and coal mine business, have been built up purely
from Pennsylvania experience.
The operations of the State Workmen’s Insurance Fund have been
separated into various divisions so that the policyholders may receive
the maximum of service under their policies. The divisions which come
in contact with the public insured with the State Fund. together with
their funetions. are as follows:

UNDERWRITING DIVISION
This Division is entrusted with the task of underwriting all policies
covering liability under the Workmen’s Compensation Act issued by
the State Fund. Extensive records are maintained showing the correct
rates applicable to nearly every industrial business or enterprise in
Pennsylvania so that the proper classification and rate may be applied
to each application for a policy. All correspondence concerning the
issuance of policies as well as the many requests for definitions of varisus
 conditions contained in the State Fund policy, are handled by this
Division.
ACCOUNTING DIVISION

The principal duty of this Division is the collection of all premium
moneys due the Fund and the proper maintenance of all finaneial
records. A complete analytical record is kept of disbursements made
by the Fund; as the records of this Division as to income and disbursements
 are important in arriving at the rate of dividend to be declared
by the Fund each year. All statements of monthly, quarterly, and
semi-annual accounts are handled by this Division. All correspondence
pertaining to any question relating to the payment of premium is also
handled bv this Division.

CLAIM DIVISION

This Division takes care of all reports of accidents occurring to emsloyves
 of policyholders issued to the Fund. An average of approxi