Workers Comp Settlement Calculator

Average settlements run $20,000–$40,000 nationally, with severe injury cases (back surgery, amputation, head injury) regularly exceeding $100,000–$500,000. Settlement amounts depend on: (1) average weekly wage, (2) state max indemnity rate, (3) impairment rating, (4) body part (state schedules), and (5) future medical needs. California, Illinois, and New York pay highest indemnity rates; Mississippi, Alabama, Arkansas pay lowest.

Most states pay 66.67% of your average weekly wage (some 70% or 80%), capped at the state max. State max examples (2025): CA $1,619/wk, NY $1,171/wk, IL $1,963/wk, FL $1,260/wk, TX $1,118/wk. Calculation: TTD (temporary total) = weekly rate × weeks off work. PPD (permanent partial) = scheduled weeks × impairment rating. PTD (permanent total) = weekly rate × life expectancy.

Lump sum settlements (called "compromise and release" or "clincher" agreements) typically pay 70–90% of computed weekly value. Pros: immediate cash, certainty, no future disputes. Cons: forfeit future medical coverage, lose access to vocational rehab, can't reopen if condition worsens. Almost always negotiate for separate medical coverage to remain open OR include a Medicare Set-Aside (MSA) for future care.

Yes if: claim was denied, insurer disputes injury cause, you have permanent impairment, employer is retaliating, settlement offer seems low, or you need future surgery. Workers comp attorneys typically charge 15–25% (much lower than PI contingency) and many states cap fees. Represented claimants recover 30–60% more on average. Initial consultations are typically free.