Hawaii Insurance License Practice Exam

For temporary partial disability benefits, the percentage is specifically designed to address the financial impact of an injury on an individual's ability to earn income. The correct answer, which is two-thirds or 66.7% of the difference between the wages before and after the injury, reflects the intent to provide substantial, yet not complete, support during recovery. This percentage allows for a balance between supporting the injured worker while still incentivizing a return to work in some capacity.

This calculation stems from a principle in workers' compensation systems, where the focus is to compensate for loss of earnings due to reduced capacity to work, rather than replacing the total income. The approach recognizes that while injured workers may still be able to earn some income, their overall earning capacity has been diminished due to the injury. Thus, the percentage reflects the need to supplement their reduced earnings adequately without fully replacing them.