Workers Comp Calculator
Free workers compensation calculator. Estimate weekly benefit payments for workplace injuries based on your wages, state, and disability type.
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This calculator is for informational and educational purposes only. Results are estimates based on the information you provide and standard financial formulas. This is not financial advice. Consult a qualified financial advisor for decisions specific to your situation. Full Disclaimer
Things to Know
Essential concepts for understanding your results
CoverageWhat does workers compensation cover?
Workers comp provides four categories of benefits: medical treatment (100% of work-related medical costs — no deductible or copay), wage replacement (typically 66% of average weekly wage during disability), vocational rehabilitation (retraining if you cannot return to your previous job), and death benefits (funeral costs + ongoing payments to dependents). Workers comp is no-fault — you receive benefits regardless of who caused the injury. In exchange, you generally cannot sue your employer for the injury.
FilingHow do you file a workers comp claim?
Step 1: report the injury to your employer immediately (most states require written notice within 30-90 days). Step 2: seek medical treatment (your employer may direct you to an approved provider). Step 3: file a claim with your state's workers comp board. Step 4: follow all medical treatment plans and attend all appointments. Delays in reporting are the most common reason claims are denied. Document everything: photographs of the injury, witness names, incident details, and all medical visits. If your claim is denied, you have the right to appeal — consider an workers comp attorney (typically paid on contingency from your benefit).
Workers' Compensation Calculator: Estimate Your Benefit Amount
A workers' compensation calculator estimates the weekly benefit you may receive if injured on the job. Workers' comp provides wage replacement, medical coverage, and disability benefits to employees who suffer work-related injuries or illnesses — regardless of fault. It is mandatory in 49 states (Texas is the exception, where it is optional for most employers).
Enter your weekly wage, state, and injury type above to estimate your workers' comp benefit amount, duration, and total expected compensation.
How Workers' Comp Benefits Are Calculated
The core formula for temporary disability benefits (the most common type):
Weekly Benefit = Average Weekly Wage × Benefit Rate (typically 66.67%)
Each state sets a minimum and maximum weekly benefit. Your calculated benefit is capped at the state maximum regardless of income.
Example: A worker earning $1,200/week in Ohio. Ohio's benefit rate: 72% of full weekly wage (among the highest). Calculated benefit: $1,200 × 0.72 = $864/week. Ohio's 2025 maximum: approximately $1,115/week. Since $864 < $1,115, the full $864 applies. Annual benefit: approximately $44,928 (tax-free).
Workers' Comp Benefits by State
| State | Benefit Rate | Max Weekly (2025) | Min Weekly |
|---|---|---|---|
| California | 66.67% | $1,619 | $242 |
| New York | 66.67% | $1,145 | $150 |
| Texas* | 70% | $1,111 | $171 |
| Florida | 66.67% | $1,197 | $20 |
| Ohio | 72% | $1,115 | $296 |
| Illinois | 66.67% | $1,868 | $311 |
| Pennsylvania | 66.67% | $1,273 | $573 |
| Iowa | 80% | $2,120 | $353 |
| Georgia | 66.67% | $800 | $50 |
| Massachusetts | 60% | $1,796 | $315 |
*Texas workers' comp is optional for private employers. Iowa's 80% rate and $2,120 maximum are among the most generous. Georgia's $800 cap is among the most restrictive — a worker earning $1,500/week receives only $800 (53.3% effective rate). According to the Bureau of Labor Statistics, approximately 2.6 million nonfatal workplace injuries and illnesses were reported by private industry in 2023.
Types of Workers' Comp Benefits
Temporary Total Disability (TTD): The most common benefit. Paid when you cannot work at all during recovery. Typically 66.67% of your average weekly wage (AWW), capped at the state maximum. Lasts until you reach Maximum Medical Improvement (MMI) or return to work. Average TTD duration: 12-16 weeks (National Council on Compensation Insurance).
Temporary Partial Disability (TPD): Paid when you can work but at reduced capacity (light duty, fewer hours). Benefit = 66.67% of the difference between your pre-injury and post-injury wages. Encourages return to modified work while maintaining income support.
Permanent Partial Disability (PPD): A lump sum or scheduled payments for permanent impairment (e.g., partial loss of function in a limb) after reaching MMI. Amount based on impairment rating (percentage of whole body) × state-specific dollar amount per percentage point. A 10% whole-body impairment in a state paying $3,000/percent: $30,000 PPD settlement.
Permanent Total Disability (PTD): For injuries so severe that you can never return to any gainful employment. Benefits typically continue for life at the TTD rate. Applicable for catastrophic injuries: amputation of both limbs, total blindness, severe traumatic brain injury, complete spinal cord injury.
Medical benefits: All reasonable and necessary medical treatment related to the work injury is covered — with no deductible, copay, or out-of-pocket cost to the injured worker. This includes surgery, physical therapy, medications, medical devices, and mileage to appointments. The employer/insurer chooses the treating physician in some states; the worker chooses in others.
Frequently Asked Questions
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