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Workers' comp benefits include temporary disability (approx. 2/3 of your weekly wage during recovery), permanent disability (a weekly benefit or lump sum based on your impairment rating), full medical expense coverage, and vocational rehabilitation if you cannot return to your previous job. Settlement values depend heavily on your impairment rating and future medical needs.

Average workers' comp settlements range from $20,000 to $60,000, but cases involving serious injuries (spinal injuries, traumatic brain injury, amputations) or permanent total disability can reach $100,000–$500,000+. Anticipated future medical costs are often the largest variable in determining large settlement amounts.

Workers' comp filing deadlines vary by state — typically 1–2 years from the injury date. Some states require written employer notification within 30 days of the injury. Missing these deadlines can permanently bar your entire claim. Report injuries to your employer in writing immediately.

Accepting a Compromise and Release settlement trades all future benefits — including lifetime medical care — for a one-time payment. This is a serious risk if you have ongoing treatment needs. Always consult a workers' comp attorney before accepting a settlement if you have a permanent injury, because once you settle, you typically cannot reopen the claim.