Estimate your workers' compensation benefits based on your injury type, weekly wage, and disability classification. Results reflect the standard 2/3 wage replacement formula used across most states.
Select your state and injury classification, then fill in your wage and disability details for an instant estimate.
📍 State & Injury Type
💵 Wage & Disability Details
Fill in your details above and click Calculate to see your workers' comp estimate.
⚠️ Estimate only — not legal advice. Attorney fees (typically 33–40%) are not deducted from this figure. Consult a licensed attorney before making any decisions.
Workers' compensation is a state-by-state system with dramatically different benefit rates, maximum weekly benefit caps, impairment rating schedules, and settlement procedures. This calculator uses the standard 2/3 wage replacement formula as a baseline, but your actual benefits may be subject to your state's Maximum Compensable Rate (MCR), scheduled loss of use charts, reopening rights, Medicare Set-Asides (MSA), and structured settlement requirements. These estimates do not constitute legal advice. Consult a licensed workers' comp attorney in your state — most offer free consultations and work on contingency.
You are completely unable to work while recovering. Most states pay 2/3 of your average weekly wage (AWW) during this period, subject to a state maximum. TTD ends when you reach Maximum Medical Improvement (MMI) or return to work.
You can return to light duty at reduced wages while recovering. TPD benefits typically make up the difference between your pre-injury wage and your current reduced earnings, calculated at 2/3 of the wage difference.
Once at MMI, if you have lasting impairment, you receive a PPD rating. Benefits are calculated based on the impairment percentage, a scheduled number of weeks, and your average weekly wage. State schedules vary dramatically.
If your injury permanently prevents you from working any job, PTD benefits may continue for life in many states — typically 2/3 AWW subject to the state's maximum. Some states cap lifetime PTD; others do not.
Workers' comp covers all necessary and reasonable medical treatment related to your injury — including ER care, surgery, physical therapy, prescriptions, and medical equipment. Future medical costs are a key part of any lump-sum settlement.
Many workers' comp cases settle for a lump sum (Compromise & Release). This trades future weekly payments and medical benefits for a single payment. Once you sign, you typically give up the right to reopen your claim.
Facts (illustrative only — not a real case): A warehouse worker earning $1,000/week hurts his shoulder lifting a pallet. He's fully unable to work (Temporary Total Disability) for 16 weeks while recovering, then returns to full duty with no permanent impairment rating.
How the estimate is built: Weekly wage replacement = $1,000 × 0.667 = $667/week. TTD benefits = $667 × 16 weeks = $10,672. If his state's maximum weekly compensation rate is below $667, his real benefit would be capped at that lower state maximum — something a licensed attorney or his state's workers' comp board can confirm exactly.
If a lump-sum settlement is later negotiated instead of ongoing weekly checks, it would typically also account for any remaining future medical costs and, if applicable, vocational retraining — which is why the calculator has separate fields for those. This example only shows how the inputs connect to the output; it is not a prediction of any real claim's value.
Workers' comp claims are notoriously underpaid by insurance carriers. A licensed workers' comp attorney can identify denied benefits and maximize your settlement — usually on contingency.
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