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instant estimate of your workers' comp settlement.
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When a workplace injury results in permanent damage, the workers' compensation system assigns an impairment rating — a percentage that determines your financial settlement. This calculator applies each state's official formula so you can understand your rights before talking to an insurer.
An impairment rating (IR) is a physician-assigned percentage reflecting permanent functional loss from a workplace injury. It is based on the AMA Guides to the Evaluation of Permanent Impairment and is the core variable in your Permanent Partial Disability (PPD) calculation.
Each state has its own formula, but most follow: Rating % × Impairment Income Benefit Weeks × Average Weekly Wage × 2/3. Texas, for example, grants 3 weeks per percentage point (max 401 weeks). Tennessee multiplies by a different factor. This tool handles all those differences automatically.
The rating is assigned when you reach Maximum Medical Improvement (MMI) — the point your condition has stabilized. Once MMI is declared, your employer's insurer will use this rating to calculate your lump-sum or structured settlement offer.
Enter your details below. Results are estimates based on your state's official formula. For legal advice, always consult a qualified workers' compensation attorney.
Fill in your state, impairment rating, and weekly wage to see your estimated payout.
From workplace injury to final settlement — here's what to expect at each stage of the impairment rating process.
You are injured on the job and file a workers' compensation claim. Medical treatment begins and your employer's insurance carrier is notified within the required window.
You receive treatment until your condition stabilizes. Your treating physician declares Maximum Medical Improvement (MMI), the point where further improvement is not expected.
A physician uses the AMA Guides to assign a permanent impairment rating as a percentage of whole-person impairment (WPI) or a specific body part loss.
Your state applies its formula (rating × weeks × wage) to determine your Permanent Partial Disability (PPD) benefit. You receive a lump sum or structured payments.
Whole Person Impairment (WPI) is a standardized percentage that quantifies how much a specific injury affects your overall bodily function. For example, a 20% WPI means you have lost 20% of normal whole-body physical capacity. WPI ratings are assigned using the AMA Guides (6th Edition or state-specific edition) and form the basis of permanent disability calculations in most U.S. states.
The "compensation weeks" multiplier is what varies most by state. Texas uses 401 weeks × rating %. Tennessee multiplies by a different coefficient. Florida caps weekly benefits at a state maximum wage. Our calculator applies each state's specific rule.
Permanent Partial Disability (PPD) means you can still work but have lasting impairment. Permanent Total Disability (PTD) means you cannot perform any substantial gainful employment. This calculator focuses on PPD — the most common outcome for injured workers who complete treatment and return to some form of work.
An MMI settlement calculator estimates the lump-sum settlement value at the point of Maximum Medical Improvement. This includes your impairment rating payout, any outstanding medical benefits, vocational rehabilitation costs, and future wage loss. Our tool provides the core PPD component — the largest element of most MMI settlements.
* Approximate maximums. Actual benefit depends on individual AWW, injury date, and state updates. Verify with your state's workers' compensation board.
Each U.S. state uses its own formula, wage caps, and maximum weeks. Select your state for a dedicated calculator with state-specific rules and settlement examples.
States with dedicated pages include detailed guides, settlement examples, and current maximum benefit rates. Additional states are coming soon.
Don't see your state? Use the general calculator above — it applies a conservative national average formula as an estimate.
Beyond the general impairment calculator — tools for specific situations in the workers' compensation process.
Convert a specific body part rating to a whole person impairment percentage using AMA Guides conversion tables.
Coming soonEstimate the total value of your workers' comp settlement at Maximum Medical Improvement, including medical buyout and wage loss.
Coming soonCalculate your Permanent Partial Disability settlement based on the specific impairment percentage assigned by your physician.
AvailableFor employers: estimate your workers' compensation insurance premiums based on payroll, industry code, and state.
AvailableStep-by-step guide to calculating a full workers' compensation settlement, including all benefit types and negotiation considerations.
AvailableEnter the same impairment rating and see how your payout would differ across multiple states — useful if you work in border regions.
Coming soonDetailed articles to help you understand the workers' compensation process, your rights, and how to maximize your settlement.
Everything you need to know: how ratings are assigned, who assigns them, what the AMA Guides are, and how to dispute a rating you disagree with.
Average weekly wages, benefit caps, and typical settlement amounts for every major U.S. state, updated with 2026 data from state workers' comp boards.
Data-backed analysis of average settlement amounts by state, injury type, and impairment percentage — the most comprehensive breakdown available.
Typical impairment rating ranges for the most common workplace injuries, including spine, knee, shoulder, hand, and hearing loss claims.
Full payout table for Texas: every impairment rating from 1% to 100%, with calculated amounts at various average weekly wage levels.
Walk through the full settlement calculation with examples from five states — understand every line item before signing anything.