Workers' Compensation Calculator

What Workers’ Compensation Pays

Workers’ comp is a no-fault system: you don’t have to prove your employer was negligent, but benefits are limited to defined categories rather than full tort damages (no pain-and-suffering).

• Temporary disability

  Roughly two-thirds of your average weekly wage while you recover, up to a state maximum.

• Permanent disability

  A weekly benefit or lump sum based on your impairment rating once you reach maximum medical improvement.

• Medical care

  Full coverage for reasonable and necessary treatment related to the injury.

• Vocational rehabilitation

  Retraining or job-placement help if you can’t return to your prior work.

Illustration only — your state’s benefit rate and your impairment rating drive the number.

Benefit Types Explained

• TTD — temporary total disability

  Wage replacement while you can’t work at all during recovery.

• PPD — permanent partial disability

  Compensation for a lasting impairment that doesn’t stop you from all work.

• PTD — permanent total disability

  Long-term benefits when you can’t return to any gainful employment.

• Death benefits

  Payments to dependents plus burial costs for a fatal workplace injury.

The Claim Process

1. 1

   Report the injury

   Notify your employer in writing immediately — many states require notice within 30 days.

2. 2

   Get medical treatment

   See an authorized provider; some states let the employer direct initial care.

3. 3

   File the claim

   Submit the formal claim with your state’s workers’ comp board within the deadline (often 1–2 years).

4. 4

   Reach MMI and rate impairment

   Once you’re as recovered as you’ll get, a doctor assigns an impairment rating that drives the permanent award.

Should You Accept a Lump-Sum Settlement?

Insurers often offer a lump-sum “Compromise & Release” to close the claim.