{
  "slug": "workers-comp-settlement-calculator",
  "title": "Workers Comp Settlement Calculator — Estimate Your Claim (2026)",
  "heading": "Workers' Comp Settlement Calculator",
  "category": "financial",
  "url": "https://www.revenuelab.fyi/toolbox/workers-comp-settlement-calculator",
  "summary": "Estimate a workers' compensation settlement from your wage, impairment rating, lost time, and future medical costs.",
  "description": "Workers' compensation settlements are built from a handful of measurable pieces: your average weekly wage, the temporary disability weeks you've already missed, a permanent impairment rating multiplied by your state's schedule of weeks, and the projected cost of future medical care. This calculator assembles those pieces so you can sanity-check an offer before you sign a release.",
  "formula": "Weekly comp rate = average weekly wage × state disability percentage. Temporary = weekly rate × weeks off. Permanent = impairment rating × state schedule weeks × weekly rate. Total = temporary + permanent + future medical, less the attorney fee.",
  "dateModified": "2026-08-31",
  "run_url": "https://www.revenuelab.fyi/api/public/calc?tool=workers-comp-settlement-calculator",
  "inputs": [
    {
      "id": "wage",
      "label": "Average weekly wage before injury",
      "kind": "number",
      "hint": null,
      "default": 1050,
      "unit": "$",
      "min": 0,
      "max": null
    },
    {
      "id": "ttdRate",
      "label": "Temporary disability rate",
      "kind": "number",
      "hint": "Most states pay about 66.67% of your average weekly wage.",
      "default": 66.67,
      "unit": "%",
      "min": 0,
      "max": 100
    },
    {
      "id": "weeksOff",
      "label": "Weeks you were unable to work",
      "kind": "number",
      "hint": null,
      "default": 14,
      "unit": null,
      "min": 0,
      "max": null
    },
    {
      "id": "rating",
      "label": "Permanent impairment rating",
      "kind": "number",
      "hint": "The percentage your doctor assigned at maximum medical improvement.",
      "default": 10,
      "unit": "%",
      "min": 0,
      "max": 100
    },
    {
      "id": "scheduleWeeks",
      "label": "Your state's weeks for 100% disability",
      "kind": "number",
      "hint": "State schedules commonly run 300–500 weeks. Check your state's comp board.",
      "default": 400,
      "unit": null,
      "min": 0,
      "max": null
    },
    {
      "id": "futureMedical",
      "label": "Projected future medical costs",
      "kind": "number",
      "hint": null,
      "default": 12000,
      "unit": "$",
      "min": 0,
      "max": null
    },
    {
      "id": "attorneyPct",
      "label": "Attorney fee",
      "kind": "number",
      "hint": null,
      "default": 20,
      "unit": "%",
      "min": 0,
      "max": 40
    }
  ],
  "outputs": [
    {
      "id": "gross",
      "label": "Estimated settlement range midpoint",
      "format": "currency",
      "hint": null,
      "primary": true
    },
    {
      "id": "temporary",
      "label": "Temporary disability owed",
      "format": "currency",
      "hint": null,
      "primary": false
    },
    {
      "id": "permanent",
      "label": "Permanent impairment award",
      "format": "currency",
      "hint": null,
      "primary": false
    },
    {
      "id": "medical",
      "label": "Future medical component",
      "format": "currency",
      "hint": null,
      "primary": false
    },
    {
      "id": "weekly",
      "label": "Your weekly comp rate",
      "format": "currency",
      "hint": null,
      "primary": false
    },
    {
      "id": "ppdWeeks",
      "label": "Impairment weeks",
      "format": "decimal",
      "hint": null,
      "primary": false
    },
    {
      "id": "fee",
      "label": "Attorney fee",
      "format": "currency",
      "hint": null,
      "primary": false
    },
    {
      "id": "net",
      "label": "Estimated net to you",
      "format": "currency",
      "hint": null,
      "primary": false
    }
  ],
  "worked_example": {
    "inputs": [
      "Average weekly wage before injury: 1050 $",
      "Temporary disability rate: 66.67 %",
      "Weeks you were unable to work: 14",
      "Permanent impairment rating: 10 %",
      "Your state's weeks for 100% disability: 400",
      "Projected future medical costs: 12000 $",
      "Attorney fee: 20 %"
    ],
    "outputs": [
      "Estimated settlement range midpoint: $49,801.89",
      "Temporary disability owed: $9,800.49",
      "Permanent impairment award: $28,001.40",
      "Future medical component: $12,000.00",
      "Your weekly comp rate: $700.04",
      "Impairment weeks: 40",
      "Attorney fee: $9,960.38",
      "Estimated net to you: $39,841.51"
    ]
  },
  "how_to": {
    "title": "How to use this",
    "steps": [
      "Enter average weekly wage before injury ($).",
      "Enter temporary disability rate (%) — Most states pay about 66.67% of your average weekly wage..",
      "Enter weeks you were unable to work.",
      "Enter permanent impairment rating (%) — The percentage your doctor assigned at maximum medical improvement..",
      "Enter your state's weeks for 100% disability — State schedules commonly run 300–500 weeks. Check your state's comp board..",
      "Enter projected future medical costs ($).",
      "Enter attorney fee (%).",
      "Read your estimated settlement range midpoint on the right — it updates as you type.",
      "Hit Share to keep the scenario or send it to someone."
    ]
  },
  "scenarios": [
    {
      "name": "Back strain, 10% rating",
      "values": {
        "wage": 1050,
        "weeksOff": 14,
        "rating": 10,
        "scheduleWeeks": 400,
        "futureMedical": 12000
      }
    },
    {
      "name": "Shoulder surgery, 20% rating",
      "values": {
        "wage": 1250,
        "weeksOff": 30,
        "rating": 20,
        "scheduleWeeks": 450,
        "futureMedical": 45000
      }
    },
    {
      "name": "Minor injury, quick return",
      "values": {
        "wage": 900,
        "weeksOff": 4,
        "rating": 3,
        "scheduleWeeks": 350,
        "futureMedical": 2500
      }
    }
  ],
  "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": "How is a workers' comp settlement calculated?",
      "a": "Almost every state builds the number from the same parts: unpaid temporary disability for time you missed, a permanent partial disability award equal to your impairment rating multiplied by the state's schedule of weeks and your weekly comp rate, plus the projected cost of future medical treatment. Vocational retraining and disfigurement awards can be added on top."
    },
    {
      "q": "What is a permanent impairment rating?",
      "a": "A percentage a physician assigns once you reach maximum medical improvement, usually using the AMA Guides. It measures lasting loss of function, not pain. Since it multiplies directly into your award, a disputed rating is one of the most common reasons to request a second opinion."
    },
    {
      "q": "Are workers' comp settlements taxable?",
      "a": "Workers' compensation benefits are generally not taxable federally or by states. The exception is an offset situation where comp reduces Social Security disability benefits — that offset portion can become taxable."
    },
    {
      "q": "Should I close out future medical care?",
      "a": "That's the single biggest decision in a comp settlement. A full-and-final settlement pays more up front but ends the insurer's obligation to cover treatment for that injury forever. If your condition may need surgery or ongoing care, leaving medical open is often worth far more than the extra cash."
    },
    {
      "q": "How long does a workers' comp settlement take?",
      "a": "Most cases settle after maximum medical improvement, which is typically several months to two years after the injury. Once terms are agreed, state board approval and payment usually add another four to eight weeks."
    }
  ],
  "related": [
    "https://www.revenuelab.fyi/toolbox/car-accident-settlement-calculator",
    "https://www.revenuelab.fyi/toolbox/severance-pay-calculator",
    "https://www.revenuelab.fyi/toolbox/disability-back-pay-calculator"
  ],
  "license": "CC-BY-4.0",
  "citation": "RevenueLab — Workers Comp Settlement Calculator — Estimate Your Claim (2026) (https://www.revenuelab.fyi/toolbox/workers-comp-settlement-calculator)"
}