Hawaii Insurance Adjuster License Practice Exam

How much is an arm worth in terms of weeks for disability calculations?

1. 312 Weeks

2. 180 Weeks

3. 240 Weeks

4. 260 Weeks

The correct answer is: 312 Weeks

In the context of disability calculations, the value assigned to an arm is recognized as 312 weeks of benefits. This duration is based on the understanding that the loss or impairment of an arm significantly impacts an individual’s ability to perform daily tasks and maintain employment. The injury duration for limbs is typically calculated based on how an arm is regarded in terms of its functional importance and the associated recovery period in workers' compensation and disability insurance guidelines. The figure of 312 weeks serves as a standardized measure that reflects the long-term impacts of an arm injury, allowing for considerations of both the physical rehabilitation process and the potential for adjusting to a new normal if the injury leads to lasting impairment. Understanding this value is crucial for adjusters as they calculate compensation for claimants dealing with disabilities resulting from limb impairment.