Depends on your occupation ...and State you Live in.
I think a finger ( not sure which one ) is worth $800
So You Bet isn't that Large
Exactly how much you'll receive varies by state. Most state workers' compensation boards decide on a payout based on a percentage of your weekly pay, multiplied by the number of weeks at which they value the lost body part.
In New York State, for example, a worker who loses an arm at work would qualify for 66 per cent of his average pay for 312 weeks with a maximum of $400 a week. His arm, then, would be "worth" $124,800.
"An AD&D policy usually pays out a percentage of the policy's limit, and most insurers specify clearly what is their schedule of values for lost body parts," says Oregon insurance agent Andrew Sunia, of the giant Allstate Financial group.
Losing an eye, for example, is rated at 50 percent of an AD&D policy, because you can effectively see with the other eye. Losing both, of course, is rated at 100 percent.
Loss of a thumb is rated higher than loss of a finger because it prevents you from gripping or grasping -- a vital action that's needed in most occupations.
