Workers' Comp Calculator

Estimate workers compensation wage replacement benefits and duration.

About Workers' Comp Calculator

Two thirds of the average weekly wage is the most common replacement rate, but the statutory maximum reduces the effective rate for higher earners. Permanent disability awards are typically a percentage of the total entitlement. Because benefits are capped, higher earners face a larger proportional income loss, which is what makes supplementary income protection relevant for them.

Formula

Workers' Comp

Weekly benefit = average weekly wage × replacement rate, capped at the statutory maximum

average weekly wage: Usually computed over a defined period before the injury
statutory maximum: A cap that reduces the effective rate for higher earners

Worked example

With the default values below, Workers' Comp Calculator returns Weekly Benefit of $566.70. Change any input above and every figure here is recalculated in your browser.

Inputs used

Average weekly wageminimum 0: 850
Wage replacement rateaccepts 0–100 %: 66.67 %
Statutory weekly maximumminimum 0: 1,100
Permanent disability ratingaccepts 0–100 %: 15 %
Weeks of benefit entitlementminimum 0: 104

Results

Weekly Benefit: $566.70
Total Benefit Over the Period: $58,936.28
Capped by the Statutory Maximum: No
Permanent Disability Award: $8,840.44
Effective Replacement Rate: 66.67%

Step by step

1Values used
2Workers' Comp
3Weekly Benefit= 566.70
4Total Benefit Over the Period= 58,936.28
5Capped by the Statutory Maximum= No
6Permanent Disability Award= 8,840.44
7Effective Replacement Rate= 66.67

Assumptions and limits

The result is derived only from the 5 inputs listed above. Anything not among them is not part of the calculation.
In particular, this calculator does not take inflation, tax, fees or charges or compounding frequency into account.
Figures are rounded for display to 2 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
This is a general illustrative estimate and is not legal advice. Laws, formulas and guidelines vary substantially by jurisdiction and change over time, and courts retain discretion. Consult a qualified lawyer in your jurisdiction before relying on any figure here.

How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.

This is a general illustrative estimate and is not legal advice. Laws, formulas and guidelines vary substantially by jurisdiction and change over time, and courts retain discretion. Consult a qualified lawyer in your jurisdiction before relying on any figure here.

Frequently Asked Questions

How is Workers' Comp calculated?

Weekly benefit = average weekly wage × replacement rate, capped at the statutory maximum Two thirds of the average weekly wage is the most common replacement rate, but the statutory maximum reduces the effective rate for higher earners. Permanent disability awards are typically a percentage of the total entitlement.

Why does Workers' Comp matter?

Because benefits are capped, higher earners face a larger proportional income loss, which is what makes supplementary income protection relevant for them.

What values do I need to enter?

This calculator takes 5 inputs: Average weekly wage, Wage replacement rate, Statutory weekly maximum, Permanent disability rating, Weeks of benefit entitlement. The pre-filled defaults are a realistic starting point — replace them with figures from your own environment for a result you can act on.