In these calculations, DOI stands for Date of Injury.

• A. Date of Injury
• B. Date of Insurance
• C. Date of Incidence
• D. Date of Issuance

Answer: (A)

The starting point for these calculations is the Date of Injury, because this date marks when the injury event occurs and from which time-based benefits, deadlines, and penalties are measured. Using the Date of Injury as the baseline creates a consistent reference for determining when disability begins, how long benefits should be paid, and when any time-sensitive rights apply.

Date of Insurance would indicate when coverage starts, not when the injury happened. Date of Incidence is the moment the incident occurred, which can differ from when the injury is recognized or treated and isn’t the standard baseline for benefit calculations here. Date of Issuance refers to when a document or policy is issued, not to the injury event.

So the Date of Injury is the correct anchor for these calculations.