Workers Compensation Calculator
Estimate your weekly workers comp benefits and potential total settlement for a workplace injury.
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Estimate only. Workers comp benefits vary significantly by state law. Consult a workers compensation attorney for your specific situation.
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Understanding Workers Compensation Benefits
Workers compensation provides benefits for employees injured on the job regardless of fault. Benefits include medical coverage, temporary disability payments during recovery, permanent disability payments for lasting impairment, and vocational rehabilitation if you cannot return to your previous job.
- Temporary disability pays approximately 2/3 of your average weekly wage. Most states pay 66.7% of your pre-injury average weekly wage, subject to a state maximum. This benefit continues until you return to work or reach maximum medical improvement (MMI).
- Permanent disability rating drives the biggest settlements. After reaching MMI, a doctor assigns a permanent impairment rating (0–100%). This rating, multiplied by your weekly wage and a statutory factor, determines your permanent disability award — often the largest component of a settlement.
- You may have additional claims beyond workers comp. If a third party (equipment manufacturer, contractor, property owner) contributed to your injury, you may have a separate personal injury claim with no damage caps and access to pain and suffering damages — which workers comp does not cover.
- Never give a recorded statement without an attorney. Insurance adjusters routinely use recorded statements to minimize claims. Workers comp attorneys work on contingency in most states — there is no cost to consult one.
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Frequently Asked Questions
Workers comp weekly benefits are typically calculated as 2/3 (66.7%) of your average weekly wage before injury, subject to state maximums. The total settlement includes temporary disability payments, permanent disability based on an impairment rating, and medical expenses. Each state has different formulas, maximums, and benefit periods.
Temporary disability benefits last until you return to work or reach maximum medical improvement. Permanent disability benefits depend on your impairment rating and state law — some states provide lifetime benefits for severe injuries. Most workers comp claims settle within 1–3 years.
In most cases, workers comp is the exclusive remedy against your employer — you cannot sue them separately. However, you may be able to sue third parties who contributed to your injury (equipment manufacturers, contractors, property owners) through a separate personal injury lawsuit that has no damage caps.
Workers comp covers injuries and illnesses that arise out of and in the course of employment. This includes acute injuries (falls, machinery accidents), repetitive stress injuries (carpal tunnel, back strain), occupational diseases (lung disease from toxic exposure), and psychological injuries in some states.
For minor injuries with clear liability and full recovery, you may not need an attorney. For any serious injury, permanent impairment, disputed claims, or employer retaliation, an attorney significantly improves outcomes. Most workers comp attorneys work on contingency — typically 15–25% of the settlement — and many states cap attorney fees.