How workers' comp benefits are calculated
Workers' comp is a state-mandated insurance system that covers medical expenses and lost wages for on-the-job injuries. Unlike a personal injury claim, you don't need to prove fault — but you generally can't sue your employer for pain and suffering. The trade-off is faster, more predictable benefits.
Temporary vs. permanent benefits
While you're recovering and unable to work, you receive Temporary Total Disability (TTD) — typically two-thirds of your average weekly wage, subject to a state maximum. Once you reach maximum medical improvement, any permanent impairment is rated and compensated through Permanent Partial Disability (PPD), calculated using a state-specific schedule.
State caps vary dramatically
The weekly maximum benefit ranges from under $500 in some states to over $1,600 in others. High-wage workers are disproportionately affected by these caps — a $3,000/week earner in a state with a $900 cap receives just 30% of their actual wage. The calculator above models your state's specific cap.
When workers' comp isn't enough
If your injury was caused by a third party (not your employer), you may have both a workers' comp claim and a personal injury lawsuit. If your employer doesn't carry required coverage, you may have a direct claim. And if your injury prevents any work long-term, disability insurance fills the gap that workers' comp doesn't cover.