Workers' Compensation Calculators 2025
Get accurate workers' comp calculations for all 50 states.
Weekly Benefits Calculator
Calculate your weekly workers' compensation benefit amount based on your state and wages.
Settlement Calculator
Estimate potential settlement amounts for your workers' compensation claim.
Insurance Cost Calculator
Understand your medical coverage and benefit limits under workers' compensation.
Fee Schedule Calculator
Calculate potential attorney fees and costs for your workers' comp case.
Impairment Rating Calculator
Determine permanent impairment benefits based on your disability rating.
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:
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
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+
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:
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
You receive: $40,000
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
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:
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
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.