DISTRIBUTION OF PERMANENT PARTIAL INJURY CASES (MULTIPLE- AND SINGLE-MEMBER INJURIES

1 Minor equals impairment to member of less than 25 percent; moderate equals impairment to member of 25 percent; to 50 percent; severe equals impairment to member of more than 50 percent.

2 The 270 from worksheet No. 1 distributed same as AMIA distribution.

1 Impairment percent developed from AMA guides to the evaluation of permanent impairment. Loss of use to member percentages on minor arm and leg injuries from Fratello paper, exhibit F-IV. Other loss of use percentage defined as in AMIA study: minor equals 13 percent, moderate equals 38 percent, severe equals 75 percent.

2 Determined by assuming that the loss to the arm involved restriction of motion to the elbow joint only and in the degree specified. For example, a minor arm injury involved a 15-percent loss of motion. Under flexion this produced a 5-percent (15 percent times 150° equals 23°) loss to the upper extremity, under pronation a 2-percent loss and under supination a 2-percent loss for a total loss of 9 percent (5 plus 2 plus 2).

3 Assumes the loss of use of leg involves restricted motion in the knee joint only.

Fratello, in table F-IV, gives a loss of earning power of 8 percent on other minor injuries including head and back. The AMA loss on minor head and back calculates at 8 percent. Therefore, other than head and back is also 8 percent. Similarly, on severe the corresponding figures are 40 percent (table F-III), 45 percent, and 38 percent.

Average of minor and severe.

Note: F equals foot, H equals hand, HS equals hearing system, LE equals lower extremity, S equals spine, UE equals upper extremity, VS equals visual system.

WORKSHEET NO. 3-B

DISTRIBUTION OF MINOR ARM AND LEG PERMANENT PARTIALS, BASED ON FRATELLO DISTRIBUTION

2 Those age groups wherein wages would be generally earned. This distribution assumes that of the total 15 to 24 age group will be possible wage earners.

1 From "Other Findings" of the AIA survey, paragraph on personal status of injured persons.

COST OF FUTURE LOST INCOME FROM PERMANENT PARTIALS O/T DISFIGUREMENT

073

3 Total number of wage earners distributed according to wage-earning ages developed on worksheet No. 4, section (A). • From worksheet No. 4, section (C).

From worksheet No. 5.

6 From worksheet No. 3A.

7 Within each age group the midpoint (20, 35, 55) was treated as the average age. The non-limit costs for each group are the single net premiums required to furnish each person in the group a whole life annuity due of $477 per year. The other costs are the single net premiums required to furnish each member of the group a temporary life annuity due of $477 per year for the length of time specified at the head of the column.

EXHIBIT VII

CALCULATION OF SURVIVORS' BENEFITS BASED ON LOSS OF FUTURE INCOME OF THE DECEASED

The following sets forth the calculations used in estimating the Survivors' benefits:

(1)* Automobile accident caused deaths distribution of ages at time of death

(2) Distribution of wage earners by age at time of death

(3) Estimated number of wage earners in the A. I. A. sample 55X.442=24.31.

(4)* Distribution by the Number of Wage Earners in the A. I. A. Sample by Age (a) and by Age with Surviving Widow(er) Alone or Widow(er) with Dependent Children.

(5) Present value per $1 of spouse's annual wage payable until death or remarriage of the widow(er) by age of the widow(er) at time of death of spouse