{
  "slug": "workers-comp-ppd-settlement-calculator",
  "title": "Workers' Comp Settlement Calculator",
  "heading": "Workers' Compensation Settlement Calculator",
  "category": "financial",
  "url": "https://www.revenuelab.fyi/toolbox/workers-comp-ppd-settlement-calculator",
  "summary": "Permanent partial disability value plus future medical, net of fees.",
  "description": "Workers' compensation settlements are built from formulas, not juries, which makes them unusually predictable. The core piece is permanent partial disability: your impairment rating multiplied by the number of weeks your state assigns to the affected body part, multiplied by your compensation rate — typically two-thirds of your pre-injury average weekly wage, capped at a state maximum. Add unpaid temporary disability, add a negotiated amount for future medical care if you are closing out medical rights, then subtract attorney fees, which are statutorily capped in most states between 10% and 20%. This calculator runs that chain end to end. Body-part week schedules vary widely by state — a total loss of use of a hand ranges from roughly 150 to over 300 weeks depending on jurisdiction — so enter your state's figure for a meaningful result. Nothing here is legal advice; approval by a workers' comp judge or board is required in nearly every state.",
  "formula": "PPD = Impairment % × Scheduled Weeks × Comp Rate. Settlement = PPD + Unpaid TTD + Future Medical − Attorney Fee.",
  "dateModified": "2026-09-06",
  "run_url": "https://www.revenuelab.fyi/api/public/calc?tool=workers-comp-ppd-settlement-calculator",
  "inputs": [
    {
      "id": "wage",
      "label": "Average weekly wage before injury",
      "kind": "number",
      "hint": null,
      "default": 1100,
      "unit": "$",
      "min": 100,
      "max": 10000
    },
    {
      "id": "compPct",
      "label": "State compensation rate",
      "kind": "number",
      "hint": null,
      "default": 66.7,
      "unit": "% of wage",
      "min": 50,
      "max": 100
    },
    {
      "id": "compCap",
      "label": "State weekly maximum",
      "kind": "number",
      "hint": null,
      "default": 1150,
      "unit": "$",
      "min": 200,
      "max": 3000
    },
    {
      "id": "impairment",
      "label": "Permanent impairment rating",
      "kind": "number",
      "hint": null,
      "default": 12,
      "unit": "%",
      "min": 0,
      "max": 100
    },
    {
      "id": "weeks",
      "label": "Scheduled weeks for body part",
      "kind": "number",
      "hint": null,
      "default": 200,
      "unit": "weeks",
      "min": 10,
      "max": 600
    },
    {
      "id": "ttdOwed",
      "label": "Unpaid temporary disability",
      "kind": "number",
      "hint": null,
      "default": 4000,
      "unit": "$",
      "min": 0,
      "max": 200000
    },
    {
      "id": "futureMedical",
      "label": "Future medical buyout",
      "kind": "number",
      "hint": null,
      "default": 15000,
      "unit": "$",
      "min": 0,
      "max": 500000
    },
    {
      "id": "feePct",
      "label": "Attorney fee cap",
      "kind": "number",
      "hint": null,
      "default": 15,
      "unit": "%",
      "min": 0,
      "max": 25
    }
  ],
  "outputs": [
    {
      "id": "net",
      "label": "Estimated net settlement",
      "format": "currency",
      "hint": null,
      "primary": true
    },
    {
      "id": "gross",
      "label": "Gross settlement value",
      "format": "currency",
      "hint": null,
      "primary": false
    },
    {
      "id": "ppd",
      "label": "Permanent partial disability portion",
      "format": "currency",
      "hint": null,
      "primary": false
    },
    {
      "id": "compRate",
      "label": "Weekly compensation rate",
      "format": "currency",
      "hint": null,
      "primary": false
    },
    {
      "id": "fee",
      "label": "Attorney fee",
      "format": "currency",
      "hint": null,
      "primary": false
    }
  ],
  "worked_example": {
    "inputs": [
      "Average weekly wage before injury: 1100 $",
      "State compensation rate: 66.7 % of wage",
      "State weekly maximum: 1150 $",
      "Permanent impairment rating: 12 %",
      "Scheduled weeks for body part: 200 weeks",
      "Unpaid temporary disability: 4000 $",
      "Future medical buyout: 15000 $",
      "Attorney fee cap: 15 %"
    ],
    "outputs": [
      "Estimated net settlement: $31,117",
      "Gross settlement value: $36,609",
      "Permanent partial disability portion: $17,609",
      "Weekly compensation rate: $734",
      "Attorney fee: $5,491"
    ]
  },
  "how_to": {
    "title": "How to use this",
    "steps": [
      "Enter average weekly wage before injury ($).",
      "Enter state compensation rate (% of wage).",
      "Enter state weekly maximum ($).",
      "Enter permanent impairment rating (%).",
      "Enter scheduled weeks for body part (weeks).",
      "Enter unpaid temporary disability ($).",
      "Enter future medical buyout ($).",
      "Enter attorney fee cap (%).",
      "Read your estimated net settlement on the right — it updates as you type.",
      "Hit Share to keep the scenario or send it to someone."
    ]
  },
  "scenarios": [
    {
      "name": "Conservative",
      "description": "Lower-end numbers — what if things land soft?",
      "values": {
        "wage": 650,
        "compPct": 50,
        "compCap": 700,
        "impairment": 7,
        "weeks": 120,
        "ttdOwed": 2500,
        "futureMedical": 9000,
        "feePct": 9
      }
    },
    {
      "name": "Typical",
      "description": "Defaults — the most common real-world setup.",
      "values": {
        "wage": 1100,
        "compPct": 66.7,
        "compCap": 1150,
        "impairment": 12,
        "weeks": 200,
        "ttdOwed": 4000,
        "futureMedical": 15000,
        "feePct": 15
      }
    },
    {
      "name": "Ambitious",
      "description": "Higher-end numbers — what if things really pop?",
      "values": {
        "wage": 1750,
        "compPct": 100,
        "compCap": 1850,
        "impairment": 19,
        "weeks": 320,
        "ttdOwed": 6500,
        "futureMedical": 24000,
        "feePct": 24
      }
    }
  ],
  "limitations": [
    "Results are estimates before tax, fees, and inflation unless an input explicitly covers them.",
    "Rates are treated as fixed for the whole period — variable-rate products will drift from this projection.",
    "This is educational maths, not financial advice. Check anything contractual with the lender or your accountant."
  ],
  "faq": [
    {
      "q": "Where do I find my state's scheduled weeks?",
      "a": "Every state workers' comp agency publishes a schedule of losses listing weeks per body part. Search your state's agency site for 'schedule of loss' or ask your attorney — the number changes the result more than anything else here."
    },
    {
      "q": "What is an impairment rating?",
      "a": "A physician assigns it, usually following the AMA Guides, after you reach maximum medical improvement. Disputed ratings are the single most common reason settlements stall."
    },
    {
      "q": "Should I close out future medical?",
      "a": "Closing medical rights raises the cash today but ends the insurer's obligation to pay for related care forever, including surgery years later. If Medicare is involved, a Medicare Set-Aside may be required."
    },
    {
      "q": "Are workers' comp settlements taxable?",
      "a": "Generally no under federal law, though offsets apply if you also receive Social Security disability. This tool shows pre-tax figures and is not tax advice."
    }
  ],
  "related": [
    "https://www.revenuelab.fyi/toolbox/workers-comp-settlement-calculator",
    "https://www.revenuelab.fyi/toolbox/personal-injury-settlement-estimator",
    "https://www.revenuelab.fyi/toolbox/debt-settlement-savings-calculator"
  ],
  "license": "CC-BY-4.0",
  "citation": "RevenueLab — Workers' Comp Settlement Calculator (https://www.revenuelab.fyi/toolbox/workers-comp-ppd-settlement-calculator)"
}