Skip to content

1
How much will I get paid weekly if I'm injured at work?

Your weekly workers' compensation benefit is calculated using the standard formula across most states:

Weekly Benefit = 2/3 of Your Average Weekly Wage (up to state maximum)
2025 State Maximum Weekly Benefits:
California
$1,680/week
Pennsylvania
$1,347/week
New York
$1,336/week
Texas
$1,157/week
Florida
$1,083/week
Illinois
$1,591/week

Example: If you earn $1,500/week, you'd receive $1,000/week (2/3 × $1,500) if it's below your state's maximum.

2
If I settle my case, how much can I get?

The combined average cost for workplace illness and injury claims is $41,353 nationwide, but settlement amounts vary significantly based on several factors:

Settlement Factors That Affect Your Payout:

  • Your injury severityMajor impact on settlement
  • Impairment rating percentageDirect multiplier
  • Future medical costsOften largest component
  • Lost earning capacityAge and career impact
  • State you're inLaws vary significantly
Settlement negotiation tip: Most settlements include a lump sum for future medical care, which is often the largest component of your settlement.

3
I've been rated with 15% impairment — how much does that mean in payout?

Impairment ratings directly affect your permanent partial disability (PPD) benefits. Here's how different ratings typically translate:

Common Impairment Ratings & Typical Payouts:

  • 5-10% Impairment$15,000-$35,000
  • 15% Impairment$30,000-$75,000
  • 20-25% Impairment$50,000-$125,000
  • 30%+ Impairment$75,000-$200,000+
Important: In Texas, you can receive Supplemental Income Benefits (SIBs) if you have an impairment rating of 15% or more and earn less than 80% of your pre-injury weekly wage.

Your 15% impairment rating qualifies you for ongoing benefits in most states, not just a one-time payout.

4
I want the estimate based on my state's laws

Every state has different workers' compensation laws, benefit caps, and calculation methods. Here are the key differences:

California
Uses AMA Guides 5th Edition
Max: $1,680/week
Texas
AMA Guides 4th Edition
Max: $1,157/week
Florida
AMA Guides 6th Edition
Max: $1,083/week
New York
Schedule Loss of Use
Max: $1,336/week
2025 Update: National Council on Compensation Insurance issued a recommendation for a 6.1% overall average reduction in workers' compensation rates, which may affect your state's calculations.

5
If I hire a lawyer, how much will it cost me?

Workers' compensation attorneys typically work on a contingency fee basis, meaning they only get paid if you win or settle your case:

Standard Attorney Fee Structure:

  • Simple Cases15-20% of settlement
  • Complex Cases20-25% of settlement
  • Litigation Required25-33% of settlement
  • Appeals/Advanced Cases33% of settlement
Example: $50,000 settlement × 20% fee = $10,000 to attorney
You receive: $40,000
Good news: Most attorneys provide free consultations and only charge if they increase your settlement amount.

6
What medical expenses are covered, and how much?

Workers' compensation covers 100% of reasonable and necessary medical expenses related to your work injury:

Doctor Visits

All appointments with approved physicians

Surgery & Hospital

Full coverage for necessary procedures

Physical Therapy

Rehabilitation and recovery services

Medications

Prescription drugs for your injury

Medical Equipment

Braces, wheelchairs, prosthetics

Travel Expenses

Mileage to medical appointments

No deductibles or co-pays: Unlike regular health insurance, workers' comp pays 100% of approved medical costs with no out-of-pocket expenses to you.

7
If I return to work part-time, how much does it affect my benefits?

When you return to work on light duty or reduced hours, you may qualify for Temporary Partial Disability (TPD) benefits:

TPD Benefit = 2/3 × (Pre-injury wage - Current wage)

Return-to-Work Scenario Examples:

  • Pre-injury: $1,000/weekFull TTD if unable to work
  • Light duty: $600/weekTPD: $267/week additional
  • Total weekly income:$867/week
Benefits continue: You keep receiving partial benefits as long as you're earning less than your pre-injury wage due to work restrictions.
Vocational rehabilitation: If you can't return to your previous job, most states provide retraining benefits and job placement assistance.
Disclaimer: This information is based on 2025 workers' compensation laws and rates. Rates have been recently updated, with California increasing maximum TTD rates from $1,619.15 to $1,680.29 per week. Individual cases vary significantly based on specific circumstances, state laws, and injury details. Always consult with a qualified workers' compensation attorney or your state's workers' compensation board for advice specific to your situation.

What is a Workers’ Compensation Calculator?

A workers’ compensation calculator is a free online tool that helps you estimate your potential benefits after a workplace injury. This calculator uses your wages, injury type, and state laws to give you a quick estimate of what you might receive.

The tool works by taking basic information about you and your injury. It then applies your state’s workers’ comp rules to show possible payment amounts. Most calculators ask for:

  • Your average weekly wages
  • Type of injury or disability
  • Your state or location
  • Length of time off work

How It Helps Injured Workers

Workers’ comp calculators help injured employees in several important ways:

Quick Benefit Estimates: Get instant estimates without waiting for insurance companies or lawyers.

Better Planning: Know roughly how much money you might receive to plan your finances.

Informed Decisions: Understand if you need legal help or if the insurance offer seems fair.

Peace of Mind: Reduce stress by knowing what to expect during recovery.

Understanding Workers’ Comp Eligibility

Not all workers qualify for workers’ compensation benefits. You must meet these basic requirements:

  • Be an employee (not an independent contractor)
  • Get injured while doing work tasks
  • Work for a company that carries workers’ comp insurance
  • Report the injury within your state’s time limits

Some jobs have special rules. Farm workers, domestic workers, and small business employees might have different coverage.

Why Accurate Estimation Matters

Getting accurate benefit estimates helps protect your financial future. Wrong estimates can lead to:

  • Poor financial planning during recovery
  • Accepting unfair settlement offers
  • Missing out on benefits you deserve
  • Unexpected money problems

Use current wage information and honest injury details for the best results.

 

Why Choose Our Workers’ Comp Tools?

Our workers’ compensation calculators stand out because they’re built with accuracy, privacy, and user needs in mind. We focus on giving you reliable estimates without complicated processes or data collection.

Updated for 2025 Regulations

All our calculators reflect the latest 2025 workers’ compensation laws and benefit rates. We regularly update our tools when states change their rules, maximum benefit amounts, or calculation methods.

What’s New for 2025:

  • Updated maximum weekly benefit amounts across all states
  • Connecticut sees 6.1% reduction in insurance premium rates
  • California increases Temporary Total Disability (TTD) rates
  • Pennsylvania’s statewide average weekly wage rises to $1,347
  • Michigan proposes extended death benefits for spouses
  • Expanded mental health coverage in several states

States adjust their workers’ comp rates every year. Using outdated calculators can give you wrong estimates that hurt your financial planning.

Our team monitors all 50 states plus federal programs to keep calculations current and accurate.

State-Specific Adjustments (Coming Soon)

We’re adding state-specific features to make estimates even more precise. Each state has different rules for calculating benefits, so generic calculators often miss important details.

Coming Features:

  • State-specific benefit formulas and maximum rates
  • Local cost-of-living adjustments
  • Regional medical fee schedules
  • State-unique disability categories
  • Independent contractor protections for gig workers

Different states use different methods to calculate the same benefits. Our state-specific tools will account for these differences automatically.

No Personal Data Required – Fast, Anonymous, Free

Use our calculators without sharing personal information, creating accounts, or paying fees. We don’t ask for your name, social security number, or contact details.

Privacy Benefits:

  • No data collection or storage
  • No email signups required
  • No tracking of your information
  • Completely anonymous calculations

Get instant results without worrying about privacy or spam. Your injury and wage information stays private while you explore your options.

All tools are 100% free with no hidden costs or premium upgrades required.

Explore Our Workers’ Comp Calculators by Category

Choose the right calculator based on your situation. Each tool focuses on different parts of workers’ compensation to give you the most accurate estimates for your specific needs.

🧮 Weekly Benefits Calculator

This calculator estimates your weekly wage replacement after a workplace injury. It uses your average weekly wages to determine temporary total disability (TTD) payments.

Most states pay 66% of your average weekly wage. The calculator applies your state’s maximum and minimum payment limits to show realistic benefit amounts.

Best for: Workers who need ongoing weekly payments during recovery.

💰 Settlement Calculator

Calculate your estimated lump-sum workers’ comp settlement amount. This tool considers your injury severity, medical costs, lost wages, and future needs.

Settlement amounts vary widely based on permanent impairment, future medical needs, and your ability to return to work.

Best for: Workers considering a final settlement offer or planning ahead.

🏥 Medical Benefits Calculator

Understand how much of your medical costs will be covered under workers’ compensation. This includes doctor visits, surgery, physical therapy, and prescription medications.

Most states cover 100% of approved medical treatment related to your work injury.

Best for: Workers with ongoing medical treatment needs.

⚖️ Attorney Fees Calculator

See how much legal representation might cost and who pays attorney fees. Most workers’ comp lawyers work on contingency, taking 15-25% of your settlement.

The calculator shows potential attorney costs and whether fees come from your settlement or the insurance company.

Best for: Workers considering hiring a lawyer.

♿ Impairment Rating Payout Calculator

Calculate permanent partial disability (PPD) or impairment-based payouts. This tool uses your disability rating percentage and state formulas to estimate compensation.

Higher impairment ratings typically mean larger payouts for permanent injuries.

Best for: Workers with permanent disabilities or impairment ratings.

💼 Wage Loss Benefits Calculator

Figure out what you’re owed for lost income beyond basic weekly benefits. This includes overtime, bonuses, and other compensation you normally earn.

The calculator adds up all income sources to determine total wage loss amounts.

Best for: Workers with complex pay structures or high earnings.

🔁 Return to Work Benefit Estimator

Compare benefits if you return on light duty versus full duty. This tool shows how partial work affects your benefit payments.

Many states reduce benefits when you return to work part-time or at lower wages.

Best for: Workers planning their return to work.

 

Understand the Workers’ Comp Benefit Process

The workers’ compensation process has clear steps that injured workers must follow. Knowing what to expect helps you get benefits faster and avoid common mistakes.

From Injury to Claim Approval

Getting workers’ comp benefits follows a simple timeline:

Step 1: Report Your Injury

  • Tell your boss right away (within 30 days in most states)
  • Get medical care immediately
  • Ask for a claim form from your employer

Step 2: File Your Claim

  • Complete the employee claim form
  • Submit it to your employer’s insurance company
  • Keep copies of all paperwork

Step 3: Wait for Decision

  • Insurance company investigates (usually 30 days)
  • They may ask for more medical records
  • Benefits start after 7-21 day waiting period

Step 4: Get Your Benefits

  • Approved claims begin weekly payments
  • Medical bills get paid directly to doctors
  • Denied claims can be appealed

Most straightforward claims get approved within 30-60 days. Complex cases or disputes can take several months.

Weekly Pay vs Lump Sum: What to Expect

You can receive workers’ comp benefits in two main ways:

Weekly Payments:

  • Regular checks while you recover
  • Usually 66% of your average weekly wage
  • Continue until you return to work or reach maximum improvement

Lump Sum Settlement:

  • One large payment to close your case
  • Covers all future medical costs and lost wages
  • Ends your right to future benefits

Weekly payments work better for ongoing treatment. Settlements give you money upfront but end all future coverage.

Role of Doctors, Employers, and Insurers

Three key players control your workers’ comp case:

Your Doctor: Decides if you can work and what treatment you need Your Employer: Reports your injury and provides claim forms Insurance Company: Pays benefits and approves medical treatment

All three must work together for your claim to succeed smoothly.

Workers' Compensation Calculator 2025 FAQ Questions

How do I calculate my workers' compensation benefits in 2025?

Workers' comp benefits equal two-thirds of your average weekly wage. Most states cap benefits at a maximum amount. You add up 13 weeks of pay before injury. Then divide by 13 to get your average weekly wage.

What is the maximum workers' comp payout for 2025?

Maximum weekly benefits vary by state in 2025. Most states pay between $800 to $1,400 per week maximum. Alaska sets their maximum at $1,362 per week for 2025. Your state determines the exact maximum benefit amount.

How much does workers' compensation insurance cost per employee in 2025?

Small businesses typically pay $40 to $80 per month for workers comp insurance. Cost depends on your industry risk level. You calculate cost by multiplying payroll by insurance rate. Higher-risk jobs cost more per employee.

What percentage of salary does workers' comp pay?

Workers' comp pays about 66% of your regular wages. This equals two-thirds of your average weekly wage. Totally disabled employees typically get 60% or 2/3 of their average weekly wage. Benefits replace most but not all lost income.

How is average weekly wage calculated for workers' compensation?

Add up all earnings for 13 weeks before injury. Include overtime and bonus pay in calculations. Divide total earnings by 13 weeks. Your AWW determines how much your income benefit will be.

Do workers' comp benefits vary by state in 2025?

Yes, each state sets different benefit rates. States have different maximum weekly payments. Some states pay more than others. Workers' compensation insurance rates vary significantly by state based on local laws.

How long do workers' compensation benefits last?

Temporary benefits last until you return to work. Permanent disability benefits may last for life. Duration depends on injury severity and state laws. Most temporary benefits end when doctor clears you.

What injuries qualify for workers' compensation benefits?

Work-related injuries and illnesses qualify for benefits. Accidents must happen during work duties. Repetitive stress injuries also qualify for coverage. Workers suffering from work-related injuries or conditions are entitled to workers' comp payments.

How do I use a workers' compensation calculator?

Enter your weekly wages into the calculator. Select your state for accurate rates. Calculator shows estimated weekly benefit amount. Most calculators use the two-thirds wage replacement rule.

What is the workers' comp rate per $100 of payroll?

Rates range from $0.50 to $10 per $100 payroll. Your cost is calculated per $100 of payroll based on job classification. High-risk industries pay higher rates. Office workers pay lower rates than construction workers.

Can I get workers' comp for partial disability?

Yes, partial disability benefits are available in 2025. You receive reduced wages while working part-time. Benefits make up for lost earning capacity. Temporary Partial Disability (TPD) covers wage differences between old and new jobs.

How do classification codes affect workers' comp costs?

Each job has a specific classification code. Codes determine your insurance rate per employee. High-risk codes cost more than office codes. Insurance companies use codes to calculate premiums.

What medical expenses does workers' comp cover?

Workers' comp covers all necessary medical treatment. This includes doctor visits and surgery costs. Prescription medications are also covered under benefits. Transportation to medical appointments may be reimbursed.

How do I calculate permanent partial disability benefits?

Permanent partial disability uses impairment ratings. The Permanent Partial Impairment (PPI) rate is the whole person impairment rating times $273,000. Doctor determines your disability percentage. State formulas calculate final benefit amount.

What happens if my employer doesn't have workers' comp insurance?

Uninsured employers face heavy fines and penalties. You can sue your employer directly. State funds may provide emergency benefits. Contact your state labor department immediately.