Rex says
An adjuster's first number is an opening bid. Knowing which components it should contain is what turns a lowball into a negotiation.
Try a scenario
Click to load — tweak from there.Inputs
Most states pay about 66.67% of your average weekly wage.
The percentage your doctor assigned at maximum medical improvement.
State schedules commonly run 300–500 weeks. Check your state's comp board.
Result
Estimated settlement range midpoint
$49,802
Temporary disability owed
$9,800
Permanent impairment award
$28,001
Future medical component
$12,000
Your weekly comp rate
$700
Impairment weeks
40.0
Attorney fee
$9,960
Estimated net to you
$39,842
Treat $49,802 as the middle of a range, not a price. Settlements commonly land 20–40% either side of a component estimate depending on whether you close out future medical. This is an estimate for planning, not legal advice. Actual amounts depend on your contract, your state's statutes, and — for injury claims — the facts of your case. Talk to an attorney before you accept or sign anything.
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How to use this
- 1Enter average weekly wage before injury ($).
- 2Enter temporary disability rate (%) — Most states pay about 66.67% of your average weekly wage..
- 3Enter weeks you were unable to work.
- 4Enter permanent impairment rating (%) — The percentage your doctor assigned at maximum medical improvement..
- 5Enter your state's weeks for 100% disability — State schedules commonly run 300–500 weeks. Check your state's comp board..
- 6Enter projected future medical costs ($).
- 7Enter attorney fee (%).
- 8Read your estimated settlement range midpoint on the right — it updates as you type.
- 9Hit Share to keep the scenario or send it to someone.
About this calculator
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.
Worked example
Using the values the calculator loads with:
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 %
Results
- 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: $39,841.51
What each field means
Inputs
- Average weekly wage before injury ($)
- The average weekly wage before injury used in the calculation, measured in $. Starts at 1050 $ so you have a working example on load.
- Temporary disability rate (%)
- Most states pay about 66.67% of your average weekly wage.
- Weeks you were unable to work
- The weeks you were unable to work used in the calculation. Starts at 14 so you have a working example on load.
- Permanent impairment rating (%)
- The percentage your doctor assigned at maximum medical improvement.
- Your state's weeks for 100% disability
- State schedules commonly run 300–500 weeks. Check your state's comp board.
- Projected future medical costs ($)
- The projected future medical costs used in the calculation, measured in $. Starts at 12000 $ so you have a working example on load.
- Attorney fee (%)
- The attorney fee used in the calculation, measured in %. Starts at 20 % so you have a working example on load. Accepted range: 0–40 %.
Results
- Estimated settlement range midpoint
- Returned as a money amount in US dollars and shown as the headline result. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Temporary disability owed
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Permanent impairment award
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Future medical component
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Your weekly comp rate
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Impairment weeks
- Returned as a decimal number. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Attorney fee
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Estimated net to you
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
FAQ
How is a workers' comp settlement calculated?
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.
What is a permanent impairment rating?
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.
Are workers' comp settlements taxable?
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.
Should I close out future medical care?
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.
How long does a workers' comp settlement take?
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.
Accuracy and 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.
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Cite this calculator
Writing about this topic? Grab a citation — every link helps keep these tools free.
RevenueLab. (2026). Workers Comp Settlement Calculator — Estimate Your Claim (2026). Retrieved from https://www.revenuelab.fyi/toolbox/workers-comp-settlement-calculator
<p>Source: <a href="https://www.revenuelab.fyi/toolbox/workers-comp-settlement-calculator" target="_blank" rel="noopener">Workers Comp Settlement Calculator — Estimate Your Claim (2026) — RevenueLab</a> (2026).</p>
Source: [Workers Comp Settlement Calculator — Estimate Your Claim (2026) — RevenueLab](https://www.revenuelab.fyi/toolbox/workers-comp-settlement-calculator) (2026).