Which of the following is NOT a factor in determining reserves for a workers' compensation claim?

When determining reserves for a workers' compensation claim, several key factors are typically considered to assess the potential future costs associated with the claim. The amount of medical expenses incurred directly impacts the reserves because it reflects the current financial burden and potential upcoming expenditures for treating the injured worker. Similarly, the severity of the injury is crucial, as more severe injuries often lead to higher medical costs and longer recovery times, which increase the total potential liability. The duration of the disability also plays a significant role; if a worker is expected to be disabled for an extended period, the associated costs, including lost wages and ongoing medical care, will necessitate higher reserve amounts.

In contrast, the amount of life insurance the injured worker carries does not influence the reserves for a workers' compensation claim. This is because workers' compensation is primarily concerned with compensation for work-related injuries or illnesses, covering medical expenses and wage loss without regard to the individual's life insurance coverage. Life insurance is a separate financial product and is not related to the determination of compensation owed for work-related injuries. This distinction is what makes option C the correct choice in this question.