Workers Comp Claim Calculator

Build claim estimates using wages, weeks, and care. Adjust caps, offsets, fees, and future reserves. Export results, share summaries, and track every benefit category.

Enter Claim Details

Used to estimate weekly disability rates.
Caps weekly wage-replacement benefits.
Common default is two-thirds of AWW.
Total time off work, paid as TTD.
Used to estimate wage-loss for TPD.
Applied to wage-loss, capped weekly.
Weeks of partial disability benefits.
Converted to awarded weeks for schedules.
Example: arm, leg, hand schedules differ.
Often lower than TTD, state-specific.
Caps weekly scheduled award payments.
Present value / negotiated discount on PPD.
Paid or billed treatment to date.
Estimated future care allocation.
Travel for treatment visits.
Use a local reimbursement rate if known.
Retraining, job placement, therapy programs.
IME, records, equipment, misc.
Amounts already paid reduce the estimate.
Repayment claims may reduce proceeds.
Offsets from other wage-replacement sources.
Optional discount applied to gross estimate.
Applied to estimated settlement.
Structured fees, filing, or settlement expenses.
Reset

Tip: If you know state caps, replace defaults for more accurate estimates.

How to Use

  1. Enter wages, caps, and benefit weeks.
  2. Add impairment rating and schedule weeks.
  3. Include medical, mileage, and rehab estimates.
  4. Apply offsets and optional negotiation reduction.
  5. Click calculate to view totals and charts.

Formula Used

  • TTD_weekly = min(AWW × TTD%, StateMax)
  • TTD_total = TTD_weekly × TTD_weeks
  • WageLoss = max(AWW − PostInjuryWage, 0)
  • TPD_weekly = min(WageLoss × TPD%, StateMax)
  • PPD_weeks = ScheduleWeeks × Impairment%
  • PPD = min(AWW × PPD%, PPDMax) × PPD_weeks
  • Gross = TTD + TPD + PPD + Medical + Other
  • Settlement = (Gross − Negotiation%) − Offsets
  • Net = Settlement − AttorneyFee% − AdminCosts

Notes

This tool provides planning estimates only. Laws, caps, and benefit rules vary by jurisdiction. Always confirm figures with a qualified professional.

Example Data Table

Sample inputs and outputs for a hypothetical claim scenario.

Field Example Input Example Output
Average Weekly Wage$1,200.00
TTD Rate / Weeks66.67% / 8$8,800.00
TPD Wage / Weeks$700 / 6$2,000.10
Impairment / Schedule8% / 200$8,640.00
Medical + Reserve$14,000 + $6,000$20,120.60
Estimated SettlementOffsets $0$39,560.70

Example outputs reflect default settings and simple assumptions.

Claim cost drivers and why they matter

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.

Estimating wage replacement with caps and waiting days

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.

Impairment awards and scheduled weeks

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.

Medical reserve, inflation, and present value

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.

Negotiation, penalties, and stakeholder perspectives

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.

FAQs

1) What is average weekly wage, and why is it used?

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.

2) How do waiting days and retroactive rules change TTD totals?

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.

3) Why do state maximums affect the estimate so much?

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.

4) How is the PPD impairment award estimated here?

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.

5) What do inflation and discount rates do for future medical?

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.

6) Is the settlement result final or guaranteed?

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.

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