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Workers Comp and Disability Benefits: Quotes From $12/mo

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

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Did you know that the incidence rate of workers getting injured was 2.7 per 100 workers in 2020? It’s also estimated that 1.8 million workers sustained work-related injuries requiring medical treatment in the same year.

You don’t only need to understand how workers compensation insurance works. You also want to know how much coverage you can get depending on the type of disability covered. There are four main types of benefits covered by workers comp. Here’s a quick bullet showing the permanent partial disability meaning and others. 

  • Temporary Partial Disability Benefits–TPD workers comp benefits that apply to workers who return to a modified version of the job they were doing after an accident. Some cases cover workers that have to return to a job that requires lighter work. An amount is paid that represents the difference between the worker’s average weekly wage and their new lower rate.

  • Temporary Total Disability  Benefits––TTD workers comp benefits payout for workers that temporarily cannot return to work in any capacity, meaning the injury prevents them from working. These benefits end when the worker is able to return to work or has reached maximum medical improvement.

  • Permanent Partial Disability  Benefits––PPD workers comp benefits cover workers who experience residual effects of a work-related injury or illness. Common conditions covered by this workers comp benefit

  • Permanent Total Disability Benefits––Workers comp permanent total disability applies to workers who may never be able to work in the future due to an injury or illness obtained during work. They may never return to gainful employment after an injury has stopped healing and is sometimes used as a lifetime financial support system for that worker.


In this article, we will compare the different benefit amounts each state offers for workers' compensation so you can see how many benefits you can expect to see. 



Alabama

Alabama’s average weekly wage in 2022  for workers comp disability was $1026, according to the Alabama Department of Labor. Alabama has a 3-day waiting period for its worker’s comp benefits. It also has a coming-and-going rule. This rule says that accidents employees are in a while traveling on a public road to and from work generally fall outside employment. They have death benefits that pay out different amounts depending on how many dependents the worker has.

Benefit TypeBenefit Received by the Covered Employee
Temporary Partial66% of the difference between AWW and new income
Temporary Total $677
Permanent Partial$225
Permanent Total$1026
Death$513-$677


Alaska

The average weekly wage in Alaska in 2023 is $1,182, according to the Alaska Workers’ Compensation Division. They offer the four common types of benefits, as well as a 41k reemployment stipend for 70% of the spendable weekly wage. 

Benefit TypeBenefit Received by the Covered Employee
Temporary Partial66% of the difference between AWW and new income
Temporary Total $722
Permanent Partial Impairment$1,770-$177,000
Permanent Total$722
41k Remployment Stipend$0-$827
Death Benefit$722-$945 plus any burial costs up to a reasonable point


Arizona

Arizona claims are based on the average weekly wage of $1,348  in 2023 set by the Industrial Commission of Arizona. Death benefit amounts are reviewed on a case-by-case basis but always include funeral expenses up to a certain amount. Arizona’s permanent partial disability meaning focuses on 50-75% disability on your injury.

Benefit TypeBenefit Received by the Covered Employee
Temporary Partial66% of the difference between AWW and new income
Temporary Total $899
Permanent Partial$449-$758
Permanent Total$889
Death BenefitCase-by-case determination plus $5000 in funeral expenses


Arkansas

Arkansas Worker’s Compensation Commission (WCC) set the average weekly wage at $614. Workers comp permanent disability is set to a weekly maximum of $522 or 85% of the average weekly rate.

Benefit TypeBenefit Received by the Covered Employee
Temporary Total $405-$522
Permanent Partial$174-$392
Permanent Total$405-522
Death Benefit$307-$522 plus funeral expenses


California

California’s Department of Industrial Relations set the 2023 Statewide average weekly rate (SAWW) at $1651. California’s short term disability and workers comp will vary based on your weekly earnings. Earning below $364 or above $364 will change the calculation to be based on the SAWW.

Benefit TypeBenefit Received by the Covered Employee
Temporary Total$1089
Permanent Partial$1-$363
Permanent Total$160-$290
Death Benefit$1089 plus $10,000 for burial and up to $320,000 for dependents to split


Colorado

Colorado’s Department of Labor and Employment set the average weekly wage at $1,350 in 2022. In Colorado, permanent partial disability can be paid in a lump sum as well.

Benefit TypeBenefit Received by the Covered Employee
Temporary Partial66% of the difference between AWW and new income
Temporary Total $891
Permanent Partial$247-$431
Permanent Total$891
Death Benefit$891 plus burial


Connecticut

The Connecticut State Labor Commission set the average weekly rate in 2022 at $1509. Workers comp and disability in Connecticut are calculated with 75% of weekly wages rather than some other states where it's 66%.

Benefit TypeBenefit Received by the Covered Employee
Temporary Partial75% of the difference between AWW and new income
Temporary Total $1,131
Permanent Partial$50-$708
Permanent Total$1,131
Burial Benefit$4,000


Delaware

Delaware’s Department of Labor set the average weekly wage at $1,234 in 2022. The Delaware ttd workers comp is based on 66% of the average weekly wage.

Benefit TypeBenefit Received by the Covered Employee
Temporary Partial66% of the difference between AWW and new income
Temporary Total $814
Permanent Partial$331-$814
Permanent Total$814
Death Benefit$814-$987


Florida

Florida’s Department of Financial Services set the statewide average weekly rate at $1,099 in 2022. ttd workers comp in Florida has a minimum of $20 payout.

Benefit TypeBenefit Received by the Covered Employee
Temporary Partial80% of the difference between AWW and new income
Temporary Total $20-$725
Permanent Partial$241
Permanent Total$20-$725
Death BenefitMaximum payout of $150,000 plus $7,500 for funeral costs


Georgia

Georgia’s State Board of Worker’s Compensation set the average weekly wage in 2022 at $1026. Permanent partial benefits in Georgia will range depending on the percentage of your lasting impairment

Benefit TypeBenefit Received by the Covered Employee
Temporary Partial66% of the difference between AWW and new income
Temporary Total $725
Permanent Partial$241-$725
Permanent Total$725
Death Benefits$725 plus funeral expenses


Hawaii

Hawaii’s Department of Labor & Industrial Relations set the average weekly wage at $1089 in 2023. The disability meaning for categories in Hawaii is about the same as in other states, and your benefit is calculated by ⅔ of your average weekly wage.

Benefit TypeBenefit Received by the Covered Employee
Temporary Partial66% of the difference between AWW and new income
Temporary Total $718
Permanent Partial$239
Permanent Total$718
Death Benefits$718 plus burial, which can be paid in a lump sum after two years


Idaho

The Idaho Industrial Commission set the average state wage at $908 in 2022. PPD workers comp in Idaho maxes out at 90% of the average state weekly wage.

Benefit TypeBenefit Received by the Covered Employee
Temporary Partial66% of the difference between AWW and new income
Temporary Total $599
Permanent Partial$199
Permanent Total$599
Death Benefits45% AWW for 500 weeks


Illinois

The Illinois Worker’s Compensation Commission set the average weekly wage at $1,386 in 2023. Ppd workers comp in the state of Illinois is compensated at two-thirds of the employee's average weekly wage.

Benefit TypeBenefit Received by the Covered Employee
Temporary Partial66% of the difference between AWW and new income
Temporary Total $914
Permanent Partial$304
Permanent Total$914
Survivor Benefits$914 + $8,000 funeral benefits


Indiana

Indiana’s Workers Compensation Board set the average weekly wage to $1,205 in 2023. Workers' compensation disability benefits in Indiana offer wage replacement at 66% of your average weekly wage.

Benefit TypeBenefit Received by the Covered Employee
Temporary Partial66% of the difference between AWW and new income
Temporary Total $795
Permanent Partial$265
Permanent Total$795
Survivor Benefits$795 + $10,000 burial expenses