Hawaii Insurance Adjuster License Practice Exam

How much is a thumb worth in terms of weeks for disability calculations?

1. 50 Weeks

2. 75 Weeks

3. 100 Weeks

4. 125 Weeks

The correct answer is: 75 Weeks

In the context of disability calculations, particularly when dealing with workers' compensation or similar systems, the value assigned to specific injuries is often standardized to ensure consistency across claims. For a thumb injury, it is recognized that the loss or impairment typically equates to a specific number of weeks to account for the recovery time and impact on the individual’s ability to work. In this case, the correct valuation is 75 weeks. This figure is based on predefined guidelines that categorize thumb injuries as significant yet less critical than injuries affecting larger, more functional body parts, such as a leg or an entire hand. Thus, 75 weeks reflects an average recovery period for individuals who may experience varying degrees of impairment, allowing for a consistent approach in determining compensation for lost wages and other related expenses due to the injury. Understanding this framework is vital for accurately calculating benefits and ensuring that individuals receive fair compensation based on the nature of their injuries. The other options reflect longer durations, which would not align with standardized assessments of a thumb's impact on overall functionality.