What does it mean that the ten fingers of both hands are missing more than 25

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.

Complete absence of ten fingers or complete loss of function is grade 4.

More than 90% of the ten fingers of both hands are missing grade 5.

Grade 6 with more than 70% loss or 80% loss of function of the ten fingers of both hands Grade 7 with more than 50% or more loss of function or more than 40% of the ten fingers of both hands Grade 8 with 10% or more loss of function or 20% or more for both fingers Grade 9 with 5% or more loss of function or 5% or more for 5% or more of the ten fingers of both hands is grade 10.

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