Workers' Comp Calculator

01 What This Site Does

CalcWorkersComp.com provides a free workers' compensation settlement calculator that helps injured workers in all 50 states estimate the value of their claim — before talking to an attorney, before dealing with an insurance adjuster, and without paying anyone a fee.

The calculator covers the three main components of a workers' comp settlement:

• Temporary Total Disability (TTD) benefits — weekly wage replacement while you are unable to work
• Permanent Partial Disability (PPD) awards — lump-sum compensation for lasting impairment, based on your disability rating and the affected body part
• Medical costs — past treatment expenses and estimated future medical care

02 Why We Built It

Workers' compensation law is complicated, state-specific, and — for most people — entirely unfamiliar at the moment they need it most. An injured worker dealing with medical appointments, lost wages, and an insurance company has very little time to research what their claim might actually be worth.

Insurance adjusters and employers know the system. Most injured workers don't. That information gap consistently costs unrepresented workers money — sometimes a lot of it.

This calculator exists to close that gap. It doesn't replace an attorney, but it gives you a starting point: a number you can walk into a conversation with, whether that's with an insurance adjuster, a potential attorney, or your employer's HR department.

03 How the Calculator Works

The calculator uses official 2026 state benefit rates to estimate your settlement across all three components. Here's what goes into each:

• TTD benefits are calculated using your state's wage replacement rate (typically 66.67% of your average weekly wage), capped at your state's maximum weekly benefit. We apply these rates to the number of weeks you were unable to work, up to the 104-week cap used by most states.
• PPD awards are calculated using your disability rating, the affected body part, your state's PPD week schedule for that body part, and your weekly benefit rate. States vary enormously in how they value permanent disability — the same injury can be worth 5–10 times more in one state than another.
• Medical costs are added directly from your inputs — past bills and estimated future treatment.
• Attorney representation — if selected, we apply a 35% uplift to the base estimate. Research consistently shows represented workers receive materially higher settlements, primarily through more favorable disability ratings and stronger negotiation.

All calculations happen entirely in your browser. None of your inputs — wages, injury type, medical costs — are ever transmitted to or stored on our servers.

04 Accuracy & Limitations

The calculator produces estimates, not guarantees. Workers' comp settlements are influenced by dozens of factors that no calculator can fully model — employer disputes, the quality of medical evidence, the specific facts of the accident, prior injuries, and attorney skill in negotiation, among others.

What the calculator does well:

• Applies the correct state-specific TTD rate and weekly maximum for 2026
• Uses state-tier PPD week schedules that reflect real differences in how states value permanent disability
• Produces a reasonable settlement range (low / point estimate / high) that reflects genuine variability

What it doesn't capture:

• State-specific quirks in how disability ratings are determined or challenged
• Employer or insurer disputes about whether the injury is work-related
• Secondary claims (third-party liability, SSDI offsets, etc.)
• Cases involving death benefits or occupational disease

05 Who We Are

CalcWorkersComp.com is an independent website. We are not a law firm, an insurance company, or affiliated with any state workers' compensation board. We are not attorneys and we do not provide legal advice.

The site is operated as a free public resource, supported by advertising. We have no financial relationship with any attorney, law firm, or insurance carrier. The calculator results are not influenced by any third party.

We maintain state-specific pages for California, Texas, Florida, New York, and Illinois — the five states with the highest volume of workers' comp claims nationally — with additional states planned.

06 Not Legal Advice

This website provides general information about workers' compensation benefit calculations for educational purposes only. Nothing on this site constitutes legal advice, and use of the calculator does not create any attorney-client relationship.

The calculator is a starting point, not an endpoint. Use it to understand the general shape of your claim and to ask better questions — of an attorney, an adjuster, or your state's workers' comp board.

07 Contact

For questions about the calculator, errors in state benefit data, or general inquiries about the site, please reach out by email. We read every message, though response times may vary.

For privacy-related requests, please see our Privacy Policy.