Which of the following is NOT a factor in reserving of a Workers' Compensation claim?

The correct answer is the amount of life insurance the worker carries. When reserving a Workers' Compensation claim, insurance adjusters consider various factors that relate directly to the claim’s potential costs and outcomes. These include the worker's current salary, which helps determine wage-loss benefits; the industry in which the worker is employed, as different industries have varying risks and compensation structures; and the severity of the injury, which directly affects both the medical costs and the time the worker may be unable to perform their job.

In contrast, the amount of life insurance a worker carries is typically unrelated to Workers' Compensation claims. Life insurance concerns provide a benefit to dependents when a worker passes away, but it does not factor into the calculations for workers' compensation benefits, which are designed to address medical expenses and wage loss due to work-related injuries or illnesses. Thus, this option stands out as not relevant in the context of reserving for a Workers' Compensation claim.