Workers' Comp
Benefits Calculator

Estimate your weekly benefits, total disability payments, and potential settlement — by state. Free, no signup required.

Updated for 2025–2026 All 50 states No personal info needed
Estimate Your Benefits
Temporary = off work but expected to recover. Permanent = lasting impairment.
Estimated time off work
Assigned by physician (1–100%)
From state schedule (varies)
Your Estimated Benefits
WEEKLY BENEFIT
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TOTAL ESTIMATED
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STATE MAX / WK
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HOW WE CALCULATED THIS
Your average weekly wage —
Benefit rate (66.67%) —
Duration —
State maximum applied —
These figures are estimates. Actual benefits depend on your state's specific rules, your employer, and your case details. An attorney can help maximize your claim.

How Workers' Comp Benefits Are Calculated

Most states follow the same core formula, but each has its own caps, multipliers, and schedules.

1

Calculate Your AWW

Your Average Weekly Wage (AWW) is your total gross earnings in the 52 weeks before injury, divided by 52. Overtime, bonuses, and tips usually count.

2

Apply the Benefit Rate

Most states pay 66.67% (two-thirds) of your AWW as a weekly benefit. Some states use 60–70%. The benefit is generally not taxable.

3

Apply the State Cap

Every state sets a maximum weekly benefit (usually tied to the state's average wage). High earners are capped — a $4,000/week earner in FL won't get $2,667/week.

4

Temporary vs. Permanent

Temporary disability pays until you return to work or reach Maximum Medical Improvement (MMI). Permanent disability is based on your impairment rating × benefit weeks from a state schedule.

5

Settlement Option

Instead of ongoing payments, you can often negotiate a lump-sum settlement, which is typically 75–90% of the total calculated benefit. An attorney negotiates this.

6

Attorney's Fee

Workers' comp attorneys work on contingency — usually 15–25% of the award, capped by state law. You owe nothing unless you win.

Workers' Comp Rates by State (2025–2026)

Weekly benefit = 66.67% of AWW, subject to the state maximum below.

State Benefit Rate Max Weekly Benefit Max Duration (Temp) PPD Benefit Weeks
California66.67%$1,619.15104 weeksUp to 630 weeks
Texas70%$1,066104 weeksVaries by body part
Florida66.67%$1,197104 weeks525 weeks (total)
New York66.67%$1,145.43Unlimited (SLU caps)Varies by schedule
Pennsylvania66.67%$1,325Unlimited500 weeks max
Illinois66.67%$1,879.21Unlimited500 weeks
Ohio72%$1,281200 weeks (extendable)$54,900 max (PPD)
Georgia66.67%$725400 weeksVaries by body part
North Carolina66.67%$1,254500 weeksVaries by schedule
Washington60–75%$1,632.78Until MMICategory-based

* Figures subject to annual state adjustment. Verify with your state's workers' comp board.

Frequently Asked Questions

Common questions about workers' compensation benefits and the claims process.

Report the injury to your employer in writing as soon as possible — most states have strict deadlines (30–90 days). Seek medical treatment from an approved provider. Document everything: photos, witness names, medical records. Do not give a recorded statement to the insurance company before consulting an attorney.
Workers' comp covers any injury or illness arising from employment — including repetitive strain injuries (carpal tunnel, back problems), occupational diseases (from chemical exposure), and injuries during work travel. It does not cover injuries during commuting, intoxication, or intentional self-harm.
For minor injuries with clear liability, you may not need one. But if your claim is denied, disputed, or involves permanent disability, an attorney is strongly recommended. Studies show injured workers with attorneys receive significantly higher settlements, even after the attorney's contingency fee (typically 15–25%). The initial consultation is always free.
MMI is the point at which a doctor determines your condition has stabilized and further medical treatment is unlikely to improve your condition. Temporary disability benefits end at MMI. At that point, you may receive a permanent disability rating that determines any remaining benefits or settlement.
No. Retaliation is illegal in all 50 states. Firing, demoting, or harassing an employee for filing a workers' comp claim is against the law. If you experience retaliation, document it immediately and consult an employment attorney. You may be entitled to additional compensation beyond your workers' comp benefits.
Weekly payments continue as long as you qualify under state rules. A lump-sum settlement (Compromise and Release) pays a one-time amount in exchange for closing the claim — including future medical care. It provides certainty but typically means giving up ongoing treatment coverage. An attorney can help you evaluate whether a settlement offer is fair.
In most cases, workers' comp benefits are not taxable at the federal or state level. The exception: if you receive both workers' comp and Social Security Disability (SSDI), a portion of your combined benefits may be taxable due to the "workers' comp offset" rule. Consult a tax professional if you receive both.
Texas is unique: workers' comp insurance is optional for most private employers. Employers who opt out are called "non-subscribers." If your Texas employer is a non-subscriber and you're injured, you must sue them in civil court rather than file a workers' comp claim — but you can recover more damages including pain and suffering. Government employers in Texas are required to carry coverage.
⚖️ Legal Disclaimer This calculator provides estimates for informational purposes only. Workers' compensation laws, benefit rates, and schedules vary significantly by state and change annually. Actual benefits depend on your specific case facts, employer, insurer, and state regulations. This tool does not constitute legal or financial advice. Consult a licensed workers' compensation attorney for advice specific to your situation.