Vertical · Workers comp · Updated 2026

Workers comp settlement calculator, state-by-state

How is workers comp calculated? Two-thirds of your weekly wage, capped at your state's maximum, paid for the weeks you're disabled — plus a lump-sum for permanent impairment. This workers comp + PPD settlement calculator uses real 2025 caps for all 50 states, with TTD, TPD, and PPD lump-sum math.

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Workers comp settlement

For workplace injuries covered by workers compensation. Two-thirds of your weekly wage capped at the state maximum, plus a PPD lump sum for permanent impairment. All 50 states, 2025 rates.

Calculator below ↓

Other section

Pain & suffering settlement

For non-workplace injuries: car accidents, dog bites, slip and falls, neck/back injuries, broken bones. The multiplier method that adjusters and personal injury attorneys actually use.

Go to pain & suffering →

Step 1 · Calculate

Live estimator

Estimate your workers comp settlement

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Real 2025 state caps and minimums. Computes TTD, TPD, and PPD lump-sum estimates. Updates as you type.

State

Pre-injury weekly wage ($)

Disability type

Weeks of disability so far: 26

Body part injured (for PPD lump-sum estimate)

Your workers comp estimate

$20,801 – $20,801

California · 66.67% of weekly wage

Weekly benefit: $800
Total indemnity (so far): $20,801
PPD lump-sum range: $0 – $0
After 20% attorney fee (typical WC): $16,641 – $16,641
STATE MAXIMUM WEEKLY: $1,619

Estimates only. Real workers comp settlements depend on your state's specific schedules, the insurer's impairment rating dispute, and your attorney's negotiation. Use this number as a starting point.

Above $50K in your estimated range?Workers comp attorneys take 20% (not 33% like personal injury). The IRC found represented claimants recover roughly 3.5× more — most of that gap is refusing the first offer.

Find attorneys →

Affiliate disclosure: ClaimCalc may receive a referral fee at no cost to you if you register with the partner directory. Full disclosure.

Step 2 · Your state

Pick your state — workers compensation settlement calculator with real 2025 caps

Every state caps the weekly benefit at a different number. The 12 most populous states have dedicated calculator pages with their exact 2025 schedule, statute of limitations, and PPD math. The rest of the 50 are in the complete settlement chart.

California

Max $1,619/wk · 66.67%

Texas

Max $1,135/wk · 70%

Florida

Max $1,295/wk · 66.67%

New York

Max $1,145/wk · 66.67%

Illinois

Max $1,898/wk · 66.67%

Pennsylvania

Max $1,273/wk · 66.67%

Ohio

Max $1,198/wk · 72%

Georgia

Max $800/wk · 66.67%

North Carolina

Max $1,330/wk · 66.67%

Michigan

Max $1,220/wk · 80%

New Jersey

Max $1,131/wk · 70%

Virginia

Max $1,410/wk · 66.67%

All 50 states with 2025 caps → · Settlement chart by body part →

Step 3 · Learn

Workers comp explained — 4 guides

Methodology · ~12 min

How is workers comp calculated?

The 66.67% formula, state caps, TTD vs TPD vs PPD vs PTD, lump-sum settlements.

Timing · ~11 min

When will workers comp offer a settlement?

MMI is the trigger. Signs the insurer is ready, when to accept, when to wait.

Data · ~10 min

Average workers comp settlements 2026

National average $42K, by state, by injury type. Why averages mislead.

Strategy · ~12 min

Workers comp vs personal injury lawsuit

When you can sue outside workers comp. Third-party liability. The combined recovery.

See all workers comp guides →

Quick reference — formula & PPD settlement calculator math at a glance

Workers comp pays a percentage of your pre-injury weekly wage. The national norm is 66.67% (two-thirds), but several states use different formulas:

60% — Massachusetts, New Hampshire
66.67% — California, Texas, Florida, New York, and 30+ other states
70% — New Jersey, Oklahoma; Texas first 26 weeks
72% — Ohio (first 12 weeks)
75% — Connecticut, Rhode Island (of after-tax)
80% — Iowa, Michigan, Alaska (of after-tax)

Full breakdown in the methodology guide →

Above $25K in your estimated range?Talk to a personal injury attorney before accepting any offer. Most work on contingency — no upfront cost if you don't win.

Find attorneys →

Affiliate disclosure: ClaimCalc may receive a referral fee at no cost to you if you register with the partner directory. Full disclosure.

Q&A

Frequently asked questions

01 How is workers comp calculated?

Most states pay two-thirds (66.67%) of your pre-injury average weekly wage, capped at the state maximum. A few states use different formulas: Texas and Oklahoma pay 70%, New Jersey 70%, Connecticut and Rhode Island 75% (of after-tax), Iowa and Michigan 80% (of after-tax), Massachusetts and New Hampshire 60%. Every state sets an annual maximum that high earners hit quickly.

02 What is the average workers comp settlement?

The national average lost-time workers comp settlement is approximately $42,008 (NCCI 2021 data). But variance is huge — back surgeries settle at $80,000–$300,000, while soft-tissue strains settle at $15,000–$40,000. Your state matters significantly. Illinois average is ~$76,000; Mississippi ~$28,000.

03 When will workers comp offer a settlement?

Typically when you reach Maximum Medical Improvement (MMI) — the point your treating physician confirms you're as recovered as you'll get. That's usually 6–18 months post-injury. Settling before MMI is the single most expensive mistake on workers comp claims. Some insurers fish for early settlement at 3–6 months while you're scared and unrepresented.

04 How much does the state weekly cap affect my benefit?

A lot, if you earn above the median wage. Example: a $2,000/week earner in Georgia (cap $800) receives just $800/week — 40% of pre-injury income, not 66.67%. The same worker in Iowa (cap $2,161) receives the full $1,333.40/week. The cap is the most overlooked variable in workers comp planning.

05 Can I sue outside of workers comp?

Generally no against your direct employer — workers comp is exclusive remedy in almost every state. But if a third party contributed (subcontractor, defective machine, vehicle from another company, property owner), you can pursue a separate personal injury claim on top of workers comp. The third-party claim pays pain and suffering, full lost wages, and future medical that comp doesn't.

06 Should I hire a workers comp attorney?

For minor injuries with clean treatment and no disputes, you can often handle it yourself. For surgical cases, permanent impairment, denials, or complex causation, representation typically increases recovery by 30–50% even after the 20% attorney fee. Workers comp attorneys take 20% of the settlement (not 33% like PI), and most consultations are free.