Build claim estimates using wages, weeks, and care. Adjust caps, offsets, fees, and future reserves. Export results, share summaries, and track every benefit category.
This tool provides planning estimates only. Laws, caps, and benefit rules vary by jurisdiction. Always confirm figures with a qualified professional.
Sample inputs and outputs for a hypothetical claim scenario.
| Field | Example Input | Example Output |
|---|---|---|
| Average Weekly Wage | $1,200.00 | — |
| TTD Rate / Weeks | 66.67% / 8 | $8,800.00 |
| TPD Wage / Weeks | $700 / 6 | $2,000.10 |
| Impairment / Schedule | 8% / 200 | $8,640.00 |
| Medical + Reserve | $14,000 + $6,000 | $20,120.60 |
| Estimated Settlement | Offsets $0 | $39,560.70 |
Example outputs reflect default settings and simple assumptions.
Workers compensation outcomes are shaped by wage benefits, medical utilization, and time away from work. This calculator converts average weekly wage into benefit streams, then adds treatment costs and adjustments. Changing caps, weeks, and offsets quickly shifts the estimate, helping you test realistic scenarios before discussions. For example, a two week change in TTD can move totals by thousands, while higher caps increase weekly exposure.
Temporary total disability is modeled as min(AWW×rate, cap) multiplied by payable weeks. Waiting days can reduce early payments, while retroactive rules restore them after a threshold. Temporary partial disability uses wage loss, so accurate post-injury earnings and duration are critical for credible planning. Date inputs can auto-calculate weeks, reducing entry errors when disability spans partial weeks or multiple pay periods.
Permanent partial disability uses a schedule of weeks for a body part and an impairment rating. Awarded weeks equal schedule×rating, and weekly payments are limited by a separate maximum. A lump sum discount approximates present value or negotiated reduction when converting a stream into a settlement figure. Small rating changes matter: moving from 7% to 9% on a 200-week schedule adds four awarded weeks, multiplied by the weekly rate.
Future medical is uncertain, so the tool lets you inflate reserves over selected years and discount them back to present value. This produces a planning number that aligns with budgeting. Mileage, rehab, and other claim costs are itemized to keep medical and non-medical drivers visible. Discounting is useful when reserves fund multi year care plans today.
Settlement estimates often change with negotiation reductions, offsets, liens, and optional penalty interest for delayed indemnity. The report shows claimant net after fees and also carrier cost including deductible and overhead. Use the charts to communicate tradeoffs across benefit categories and assumptions.
Average weekly wage is the base for wage-replacement benefits. The calculator multiplies it by benefit percentages, then applies state caps. Enter your best documented AWW to avoid overstating or understating weekly payments.
Some jurisdictions do not pay the first few disability days. If disability lasts beyond a retroactive threshold, those waiting days may be reimbursed. Use your local rules to model payable weeks more accurately.
Weekly caps limit wage benefits even when AWW is high. When the cap is binding, longer durations increase totals linearly at the capped amount, not at the uncapped rate.
The tool calculates awarded weeks as schedule weeks times impairment rating. It then multiplies awarded weeks by a capped weekly PPD rate and optionally applies a lump sum discount. Real schedules and rates vary by state and body part.
Inflation grows the future reserve over the selected years, reflecting rising costs. Discounting converts that future amount to present value for budgeting and settlement comparison. These are planning assumptions, not medical predictions.
No. The output is an estimate for planning and scenario testing. Actual outcomes depend on jurisdiction rules, medical evidence, disputes, offsets, and negotiations. Confirm numbers with qualified professionals before relying on them.
Important Note: All the Calculators listed in this site are for educational purpose only and we do not guarentee the accuracy of results. Please do consult with other sources as well.