For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!
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.Â
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.Â
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 Type | Benefit Received by the Covered Employee |
|---|---|
| Temporary Partial | 66% of the difference between AWW and new income |
| Temporary Total | $677 |
| Permanent Partial | $225 |
| Permanent Total | $1026 |
| Death | $513-$677 |
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.Â
| Benefit Type | Benefit Received by the Covered Employee |
|---|---|
| Temporary Partial | 66% 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 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 Type | Benefit Received by the Covered Employee |
|---|---|
| Temporary Partial | 66% of the difference between AWW and new income |
| Temporary Total | $899 |
| Permanent Partial | $449-$758 |
| Permanent Total | $889 |
| Death Benefit | Case-by-case determination plus $5000 in funeral expenses |
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 Type | Benefit 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’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 Type | Benefit 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’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 Type | Benefit Received by the Covered Employee |
|---|---|
| Temporary Partial | 66% of the difference between AWW and new income |
| Temporary Total | $891 |
| Permanent Partial | $247-$431 |
| Permanent Total | $891 |
| Death Benefit | $891 plus burial |
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 Type | Benefit Received by the Covered Employee |
|---|---|
| Temporary Partial | 75% 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’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 Type | Benefit Received by the Covered Employee |
|---|---|
| Temporary Partial | 66% of the difference between AWW and new income |
| Temporary Total | $814 |
| Permanent Partial | $331-$814 |
| Permanent Total | $814 |
| Death Benefit | $814-$987 |
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 Type | Benefit Received by the Covered Employee |
|---|---|
| Temporary Partial | 80% of the difference between AWW and new income |
| Temporary Total | $20-$725 |
| Permanent Partial | $241 |
| Permanent Total | $20-$725 |
| Death Benefit | Maximum payout of $150,000 plus $7,500 for funeral costs |
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 Type | Benefit Received by the Covered Employee |
|---|---|
| Temporary Partial | 66% 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’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 Type | Benefit Received by the Covered Employee |
|---|---|
| Temporary Partial | 66% 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 |
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 Type | Benefit Received by the Covered Employee |
|---|---|
| Temporary Partial | 66% of the difference between AWW and new income |
| Temporary Total | $599 |
| Permanent Partial | $199 |
| Permanent Total | $599 |
| Death Benefits | 45% AWW for 500 weeks |
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 Type | Benefit Received by the Covered Employee |
|---|---|
| Temporary Partial | 66% 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’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 Type | Benefit Received by the Covered Employee |
|---|---|
| Temporary Partial | 66% of the difference between AWW and new income |
| Temporary Total | $795 |
| Permanent Partial | $265 |
| Permanent Total | $795 |
| Survivor Benefits | $795 + $10,000 burial expenses |
