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In Texas, when a workplace injury causes permanent damage, your doctor assigns an impairment rating at Maximum Medical Improvement (MMI). That percentage directly determines your Impairment Income Benefits (IIBs) — a lump-sum or structured payout from your employer's workers' comp carrier.
A Texas impairment rating is a physician-assigned percentage (1–100%) reflecting permanent functional loss from a workplace injury. It is based on the AMA Guides to the Evaluation of Permanent Impairment and is the sole variable that determines how many weeks of IIBs you receive.
Texas grants 3 weeks of benefits per percentage point of impairment, up to a maximum of 401 weeks. The weekly benefit rate is 70% of your Average Weekly Wage (AWW), capped at $1,063/week for injuries in 2026. Formula: Rating % × 3 × AWW × 70%.
IIBs begin on the date your doctor declares Maximum Medical Improvement (MMI) — the point your condition has stabilized. Benefits are paid weekly by the insurance carrier for the full number of earned weeks. If your rating is ≥15%, you may also qualify for Supplemental Income Benefits (SIBs) afterward.
Enter your Texas impairment rating % and average weekly wage. Results are based on the Texas Division of Workers' Compensation (DWC) IIB formula. Always consult a Texas workers' comp attorney before accepting any settlement.
Enter your Texas impairment rating % and average weekly wage to see your estimated IIB payout.
From workplace injury in Texas to your final IIB payment — here's every stage of the process under Texas DWC rules.
You report your workplace injury to your employer within 30 days. Your employer's insurance carrier (or Texas DWC if self-insured) opens a workers' comp claim. Medical treatment begins under an authorized network doctor.
You receive treatment until your condition stabilizes. Your treating doctor declares Maximum Medical Improvement (MMI) — no further improvement is expected. In Texas, MMI is presumed at 104 weeks from the date of injury if not declared earlier.
A Texas-certified doctor uses the AMA Guides to assign your permanent Whole Person Impairment (WPI) rating as a percentage. You have the right to request a Designated Doctor exam through the DWC if you dispute the rating.
Texas applies: Rating % × 3 weeks × AWW × 70%. Benefits begin on your MMI date and are paid weekly. If your rating is ≥15%, you may qualify for Supplemental Income Benefits (SIBs) after IIBs end.
Texas Labor Code §408.121 governs Impairment Income Benefits. The formula is straightforward but has important caps and nuances:
Your AWW is capped at the Texas state maximum for your injury year. For injuries occurring in 2026, the maximum AWW is $1,063/week, meaning the maximum weekly IIB payment is $744.10 (70% × $1,063). If your actual AWW exceeds the cap, the cap applies to the calculation.
If your impairment rating is 15% or greater, you may qualify for Supplemental Income Benefits (SIBs) after your IIBs run out. SIBs compensate for ongoing loss of earning capacity. They are calculated quarterly and require active job-search efforts or participation in vocational rehabilitation. SIBs are paid at 80% of the difference between 80% of your pre-injury AWW and your post-injury earnings.
Yes. Texas offers a Designated Doctor (DD) process through the DWC. Either you or the insurance carrier can request a DD exam if you disagree with the rating. The DD's opinion is given presumptive weight. If still unresolved, you may request a Benefit Review Conference (BRC) or a Contested Case Hearing (CCH).
* Based on 70% benefit rate. AWW capped at $1,063/wk for 2026. Use the calculator above for your exact numbers.