A UV Index figure shows up on weather apps, news broadcasts and the displays near sunscreen shelves. It is easy to treat it as a number that settles the day. This article checks what a weather-app reading or a shelf display covers, and what it leaves to you.
What the UV Index number is
The U.S. EPA describes it this way: "The UV Index provides a daily forecast of the expected intensity of UV radiation from the sun." The sentence names a forecast and an intensity. It does not mention your skin, your clothing or your sunscreen.
That is the first place a label and the evidence part. A bottle or a poster may speak as if the number protects you. The U.S. EPA's wording describes the sun, not you.
Reading the number for an outdoor workday
For readers in Madera Acres, Fairmead and Chowchilla who spend their working hours outside, the UV Index is one input among several. The CDC's page on heat stress and workers covers a different part of the same workday, and the two are worth reading side by side.

Matching a UV Index figure to its date
Because the U.S. EPA calls it a daily forecast, the figure you see belongs to the day you are looking at. A number copied onto a sign last week says nothing about today. Check the date next to any UV Index figure before you plan around it.
What a number cannot judge for you
A forecast cannot say whether a spot on your skin deserves a look. It also cannot tell you whether the sunscreen you own matches the day ahead. For the second question, hold your bottle up against the guidance on The Skin Cancer Foundation's sunscreen page. For the first, a clinician is the person to ask, whether you live in North Fresno, Kerman or Parkwood.