Enter your Florida impairment rating % and average weekly wage — get an instant IBB (Impairment Income Benefit) estimate under Florida Statute 440.15(3). Free, no sign-up, no personal data required.
Florida uses a unique Impairment Income Benefits (IBB) system that differs significantly from most states. No traditional PPD weekly rate — instead, a fixed formula based purely on your impairment percentage.
Enter your Florida whole-person impairment rating and average weekly wage. The calculator applies the Florida Statute 440.15(3) IBB formula. For lump-sum settlement estimates, always consult a qualified Florida workers' comp attorney.
Select your injury type, impairment rating %, and weekly wage to see your estimated Florida IBB payout.
Florida's workers' compensation system replaces traditional permanent partial disability (PPD) weekly benefits with Impairment Income Benefits (IBB) — a time-limited payment triggered when your authorized treating physician (ATP) assigns a permanent impairment rating at Maximum Medical Improvement (MMI).
Unlike most states, Florida does not pay you an open-ended weekly PPD check. Instead, you receive a set number of weeks of IBB calculated directly from your impairment percentage. Once those weeks are exhausted, your benefits end unless you negotiate a settlement or qualify for Permanent Total Disability (PTD).
Yes. While IBB is normally paid weekly over the scheduled period, most injured workers negotiate a lump-sum settlement through a Joint Petition for Order Approving Settlement under Florida Statute 440.20(11). This closes your claim entirely in exchange for a one-time payment that covers IBB, future medical costs, and other components. The Florida Division of Workers' Compensation (DWC) must approve all settlements.
Florida mandates the AMA Guides, 6th Edition for all impairment ratings. This is important because the 6th edition typically produces lower ratings than the 5th edition used in most other states. If your doctor assigns a rating using the wrong edition, you can challenge it — a Florida workers' comp attorney can help.
* IBB rate = AWW × 66.67% × 75%. Amounts shown are IBB only — actual settlements include future medical and other components. Source: FL Stat. § 440.15(3).
Quick reference for common Florida impairment scenarios across three wage levels. IBB amounts shown — actual lump-sum settlements typically exceed IBB alone by including future medical costs.
Florida's IBB formula is one of the most straightforward in workers' comp — but ratings under the AMA 6th Edition tend to be lower than those in other states. Always get an IME if you believe your rating is too low.
* IBB only. Formula: Rating % × 2 wks × (AWW × 66.67% × 75%). Verify with a licensed Florida workers' compensation attorney.
The process from workplace injury to final Florida workers' comp settlement — what to expect at every stage.
Report your injury to your employer within 30 days (FL Stat. § 440.185). Your employer's insurer selects an Authorized Treating Physician (ATP). You must treat with the ATP — choosing your own doctor can forfeit your benefits.
The ATP treats your injury until your condition stabilizes. At that point, the ATP declares Maximum Medical Improvement (MMI) — the point at which further treatment is unlikely to improve your condition. MMI triggers the impairment rating process.
The ATP assigns a whole-person impairment (WPI) percentage using the AMA Guides, 6th Edition. This rating determines your IBB weeks. If you believe the rating is too low, you can request an Independent Medical Examination (IME) under FL Stat. § 440.13(5).
You receive IBB weekly payments over your scheduled weeks, OR negotiate a lump-sum settlement (Joint Petition under FL Stat. § 440.20(11)) covering IBB, future medical, and other components. The Florida DWC must approve all settlements.
Florida's workers' compensation IBB system is unlike any other state. This calculator applies the exact statutory formula from FL Stat. § 440.15(3) — not a national estimate.
This calculator applies Florida's exact IBB formula: Rating % × 2 weeks × (AWW × 2/3 × 75%). The AWW is capped at the 2026 Florida maximum of $1,136/week. Results reflect what Florida law requires insurers to pay — not an estimate based on national averages.
Florida uniquely mandates the AMA Guides, 6th Edition for all impairment ratings. Our educational content reflects this standard. Ratings under the 6th edition typically differ from those under the 5th edition used in Texas, Tennessee, and most other states.
All formulas reflect the official Florida Division of Workers' Compensation (DWC) guidelines and the 2026 state average weekly wage caps. Lump-sum settlement estimates require attorney review and DWC approval via Joint Petition.
Beyond the Florida IBB calculator — specialized tools for every stage of the workers' compensation process.
Calculate impairment rating payouts across all 50 U.S. states. Compare your Florida IBB payout to other states instantly.
AvailableNY uses a Schedule Loss of Use (SLU) system — completely different from Florida's IBB. Compare your FL payout to NY.
AvailableTexas has its own Impairment Income Benefits (IIB) system under the Texas Labor Code. See how TX compares to FL.
AvailableConvert a body part rating to a whole-person impairment percentage — the starting point for Florida's IBB calculation.
Coming soonEstimate your total Florida workers' comp settlement at MMI — including future medical buyout, IBB, and wage loss components.
Coming soonStep-by-step guide to calculating a full workers' compensation settlement in Florida — know every line item before you sign.
AvailableDetailed articles to help you understand Florida's IBB system, your rights under FL Stat. 440, and how to maximize your settlement.
How impairment ratings are assigned under the AMA Guides 6th Edition (Florida's standard), who assigns them, and how to contest a rating you believe is too low.
How does Florida compare? Data-backed analysis of average IBB and settlement amounts by state, injury type, and impairment percentage.
Average weekly wage caps, benefit rates, and typical settlement amounts across the U.S. — with Florida's 2026 IBB rates highlighted.
Typical whole-person impairment ranges under AMA 6th Edition for the most common Florida workplace injuries — back, knee, shoulder, and hand claims.
Walk through a full Florida settlement calculation with real examples — understand IBB, future medical buyout, and attorney fees before you sign your Joint Petition.
Compare your Florida IBB payout against other states. Each state uses its own formula — NY uses SLU, Texas uses IIB, most others use traditional PPD formulas.