We built free, state-specific workers' compensation impairment rating calculators because the information every injured worker needs was buried in legal jargon, outdated PDFs, and paywalled databases. We fixed that.
Every year, hundreds of thousands of American workers suffer workplace injuries that result in permanent impairment. When they reach Maximum Medical Improvement (MMI) and receive an impairment rating, they face a critical decision: accept the insurer's offer, negotiate, or go to a hearing.
The problem is that most injured workers have no idea what their rating is actually worth. The formulas differ by state. The terminology is opaque. The wage caps change annually. And the legal resources are either behind attorney paywalls or written in statutory language that requires a law degree to parse.
A 15% impairment rating means something very different in Florida (IBB formula, AMA 6th Ed.), New York (Schedule Loss of Use, § 15(3)), Texas (IIB formula, AMA 4th Ed.), and California (PDRS schedule). Four states. Four formulas. Zero plain-English explainers — until now.
We built state-specific impairment rating calculators that apply each state's published statutory formula exactly as written — no national averages, no guessing. Each calculator shows the full breakdown: AWW cap, benefit rate, compensation weeks, and total estimated payout.
We also write detailed educational content explaining how each state's system actually works — what SLU means in New York, what IBB means in Florida, what IIB means in Texas — in language that doesn't require a law degree.
Our goal is simple: by the time an injured worker uses one of our calculators, they should understand their rights, know what the formula produces, and be equipped to have an informed conversation with an attorney — or to recognize when an insurer's offer is below what the statute requires. That's it. That's the whole mission.
We are not a law firm. We do not provide legal advice. We do not represent injured workers or insurers. We do not collect personal data or sell leads to attorneys. Every calculation runs entirely in your browser — we never see your numbers.
Think of us as a public reference library for workers' compensation math — the kind that should have existed for decades but didn't.
Every calculator on this site follows a documented research and verification process before publishing. Here's exactly how we work.
We start with the official state statute — not a secondary source. For Florida, that's FL Stat. § 440.15. For New York, NY WC Law § 15(3). For Texas, Texas Labor Code § 408.121. We read the actual law, not summaries of the law.
State average weekly wage caps update every year. We verify the current maximum weekly benefit against official state workers' compensation board publications — not third-party databases. Rates are reviewed and updated annually at minimum.
Each calculator's output is cross-checked against published settlement examples and state WCB guidelines. We test edge cases: wage below the TTD floor, ratings at the extremes, wage cap triggers, and multiple injury type scenarios.
Different states mandate different editions of the AMA Guides to the Evaluation of Permanent Impairment. Florida requires the 6th edition. Most states use the 5th. Texas uses the 4th. We document and disclose which edition applies to each state calculator.
Every calculator page clearly states what it does and doesn't account for: it applies the statutory formula but cannot account for your specific injury date, insurer negotiations, IME disputes, or attorney involvement. We say this upfront, not in fine print.
Benefit rates, wage caps, and statutory schedules can change with each state legislative session. We review all calculators annually and update immediately when official changes are published. Update dates are noted on each page.
Transparency about what this tool can and can't do is the foundation of trust. Here's exactly where we draw the line.
We apply publicly available statutory formulas in plain English so injured workers can understand the math behind their workers' comp claim — before speaking to an attorney or accepting an offer.
We do not provide legal advice, do not sell leads to attorneys, and do not have financial relationships with law firms. Our calculators are educational tools, not legal counsel.
Every calculator applies each state's actual published statutory formula — not a national average estimate. A Florida IBB calculation is different from a New York SLU calculation, and we treat them differently.
Our output is an estimate based on published formulas. Actual settlements depend on your specific injury date, insurer negotiations, IME results, and many other individual factors we cannot account for.
Every calculation runs entirely in your browser. We never see your wage, your rating, or your results. No account is required. No cookies track your inputs. Your data stays on your device.
Workers' compensation law is complex and state-specific. Before accepting any settlement, signing any agreement, or waiving any rights, you should consult a licensed workers' compensation attorney in your state.
State wage caps and benefit maximums update every year. We review all calculators at least annually and update immediately when official state publications change benefit rates or statutory schedules.
We have no financial relationship with workers' compensation insurers, employer associations, or any party with an interest in minimizing workers' comp payouts. Our only interest is accuracy.
We are a small team of researchers, writers, and developers who believe that legal and financial information should be accessible to everyone — not just to those who can afford professional representation.
None of us are attorneys. That's by design. We approach workers' compensation formulas the same way a data journalist approaches public records: we read the primary sources, verify the numbers, and translate complexity into clarity.
Our contributors include people with backgrounds in legal research, data journalism, software development, and workers' rights advocacy. Several of our team members have personal connections to workplace injury — either their own or a family member's — which is what drove us to build this in the first place.
We operate this project independently, without venture funding, without insurer sponsorships, and without affiliate relationships with law firms.
Every formula on this site is sourced directly from official government publications. No secondary databases, no aggregator sites, no guesswork.
Found an error? Workers' compensation law changes frequently. If you believe a formula or rate is incorrect, we want to know. State-specific corrections help every worker who uses this tool after you.
Free, instant, state-specific. No sign-up. No personal data. Just the formula, your numbers, and a clear answer.