Ten percent of the disabled hands in the insurance must be missing both hands or either, one hand

The Disability Assessment Standards for Life Insurance has the following provisions: 'Calculation of hand loss and loss of function: the thumb of one hand accounts for 36% of the function of one hand, of which the distal and proximal knuckles each account for 18%; The index finger and middle finger each account for 18% of the function of the first hand, of which the distal phalangeal accounts for 8%, the middle phalangeal account for 7%, and the proximal phalangeal account for 3%; The ring finger and little finger each account for 9% of the function of one hand, of which the terminal knuckles account for 4%, the middle knuckles account for 3%, and the proximal knuckles account for 2%.

The palm of one hand accounts for 10% of the function of the hand, of which the first metacarpal bone accounts for 4%, the first.

2. The third metacarpal bone accounts for 2% each.

The fourth and fifth metacarpal bones each account for 1%. For the purposes of this standard, the degree of absence or loss of function of both hands is calculated cumulatively as previously calculated. ’

The standard is explained as follows:

All the calculation methods in this are corresponding to one hand, and the disability level in the evaluation criteria corresponds to the degree of loss of both hands, that is, the degree of missing one hand is accumulated and converted to the corresponding gear of the two hands. Therefore, special attention should be paid to the fact that if it is only a one-handed disability, it must be noted that the proportion of both hands is only after 50% when using it, that is, it should be divided by 2.

Generally speaking, there are several gears that you need to pay attention to: 1) Starting gear: the loss (or loss of function) of both hands is greater than or equal to 10%, that is, it is equivalent to the absence (or loss of function) of one hand is greater than or equal to 20%.

2) Middle gear: 50% or more of both hands are missing (or out of function), which is equivalent to 100% loss of function in one hand. 3) Maximum gear:

Complete absence or loss of function in both hands, i.e., equivalent to 200% of the absence (or loss of function) in one hand (i.e., complete absence or loss of function of both hands).

The difference between each gear is (except for the last gear): 20% of both hands are missing (or out of function), i.e. 40% of one hand is missing (or out of function) is a jump. In use, it is important not to misinterpret the 'loss (or loss of function) of both hands in the standard as the proportion of one-handed impairment, otherwise the disability with more than one hand will be equivalent to no corresponding level in the evaluation criteria.

In addition, the above is only the division of the disability assessment standard of life insurance, if it is a work-related injury assessment standard or other standards, the division of the gear may be different, but the understanding of the concept of the proportion of missing hands is consistent with the above.

The thumb or index finger of one hand is missing, or two or more fingers of the middle, ring and little fingers are missing.

Permanent and complete loss of function of the thumb and index finger of one hand.

Maximum benefit ratio: 10%.

The thumb is 36% for one hand and 18% for both hands

Missing 10 levels of the distal part of the thumb and not reaching it?

1. Work-related injury: The left index finger is missing, and the work-related injury disability is classified as a grade 9 disability according to the "Appraisal Standards for the Degree of Disability Caused by Work-related Injuries and Occupational Diseases of Employees". 2. Regulations on Work-related Injury Insurance Article 37 Employees who are identified as having a disability of grade 7 to grade 10 due to work-related disability shall enjoy the following benefits:

1) A one-time disability subsidy shall be paid according to the level of disability from work-related injury insurance, and the standard is: 13 months' salary for grade 7 disability, 11 months' salary for grade 8 disability, 9 months' salary for grade 9 disability, and 7 months' salary for grade 10 disability; If the labor or employment contract is terminated upon expiration, or the employee who regrets the termination of the labor or employment contract shall be paid a one-time medical subsidy for work-related injuries by the work-related injury insurance**, and a one-time employment subsidy for disability shall be paid by the employer. The specific standards for one-time medical subsidies for work-related injuries and one-time employment subsidies for disability shall be prescribed by the people of provinces, autonomous regions and municipalities directly under the Central Government.

It can be assessed as a fourth-degree disability.

National Standards of the People's Republic of China.

Labor ability appraisal of employees' disability levels caused by work-related injuries and occupational diseases

gb/t16180-2014

Level 4 5, grading principle.

Severe organ defects or malformations, severe functional impairment or complications, special medical dependence, or partial or no self-care impairment.

Four-level clause series.

Anyone who meets one of the following conditions is a work-related injury grade 4.

10) Complete absence or complete loss of function of both thumbs;

11) Complete loss of function of one hand and partial loss of function of the other hand;

12) Missing on one side of the elbow;

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