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

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 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


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 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

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

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

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

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


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 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

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

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

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

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


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 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


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 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

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

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Iowa

The average weekly wage was $1040 in 2023, set by the Iowa Division of Workers’ Compensation. Temporary total disability workers comp in Iowa kick in when you are off work for more than three calendar days due to an injury. These benefits begin on the fourth day and continue until you are medically recovered enough to work. Healing Period benefits are similar to temporary total benefits but are paid when the work injury also causes permanent impairment.

Benefit Type Benefit Received by the Covered Employee
Temporary Partial 66% of the difference between AWW and new income
Temporary Total  $686
Permanent Partial $228
Permanent Total $686
Healing Period  $686
Death Benefits $686 plus 12 times the AWW for funeral costs


Kansas

In Kanas, The Kansas Department of Labor set the statewide average weekly wage to $1,019 in 2023. Kansas workers comp disability payments are calculated by taking the average weekly wage the employee makes and subtracting ⅓ of it.

Benefit Type Benefit Received by the Covered Employee
Temporary Partial 66% of the difference between AWW and new income
Temporary Total  $672
Permanent Partial $224
Permanent Total $672
Survivors Benefits $672 + $40,000 initial payment divided among the dependents


Kentucky

Kentucky’s Education and Labor Cabinet set the average weekly wage at $1,118 for 2023.  TTD in workers compensation is the amount that a worker receives who is temporarily unable to work due to injury.

Benefit Type Benefit Received by the Covered Employee
Temporary Partial 66% of the difference between AWW and new income
Temporary Total  $737
Permanent Partial $245
Permanent Total $737
Survivor Benefits $737-$838 plus burial costs


Louisiana

The Louisiana Workforce Commission set the average weekly rate to $1,027 in 2023. Workers comp permanent partial disability in Louisiana provides a minimum level of benefit for serious injuries.

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 $677
Death Benefits $8500 for funeral expenses plus a one-time payment of $75,0000


Maryland

The Maryland Workers’ Compensation Commission set the average weekly wage at $1,402. Ppd benefits workers compensation cap out at 90% of the state average weekly wage. In Maine, you calculate the average wage of the last 14 weeks prior to the injury.

Benefit Type Benefit Received by the Covered Employee
Temporary Partial 66% of the difference between AWW and new income
Temporary Total  $925
Permanent Partial $308
Permanent Total $925
Death Benefit $925 until a sum of $45,000 is reached


Massachusetts

Massachusetts Department of Industrial Accidents set the average weekly wage to $1,765 in 2023. In Massachusetts, workers compensation permanent partial disability has a maximum duration of 260 weeks and requires the permanent loss of 75 percent of bodily function. The minimum you can collect is 20% of the state’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  $1,164
Permanent Partial $388
Permanent Total $1,164
Death Benefit $1,164 plus $60 per week per dependent child


Michigan

Michigan’s Department of Labor & Industry set the average weekly wage to $1,216 in 2023. The state’s workers compensation partial disability policy entitles workers to 80% of their after-tax average weekly wage, which is higher than many other states.

Benefit Type Benefit Received by the Covered Employee
Temporary Partial 66% of the difference between AWW and new income
Temporary Total  $802
Permanent Partial $267
Permanent Total $802
Death Benefit $802


Minnesota

Minnesota’s Department of Labor and Industry changed the average weekly wage to $1,287 in 2022. Temporary total disability workers compensation in Minnesota is paid on the assumption of a five-day workweek, with each day considered 0.2 weeks of compensation.

Benefit Type Benefit Received by the Covered Employee
Temporary Partial 66% of the difference between AWW and new income
Temporary Total  $849
Permanent Partial $283
Permanent Total $849
Survivor Benefits $643-$849 plus up to $15,000 in burial costs


Mississippi

The Mississippi Workers’ Compensation Commission was set to $784 in 2021. Mississippi workers comp ttd payments can be given for a maximum of 450 weeks.

Benefit Type Benefit Received by the Covered Employee
Temporary Partial 66% of the difference between AWW and new income
Temporary Total  $517
Permanent Partial $155
Permanent Total $517
Death Benefit Maximum payout of $202,000


Missouri

Missouri’s Department of Labor changed the average weekly wage to $1,104 in 2023. Some categories of workers comp disability exceed the average weekly rate by a small amount.

Benefit Type Benefit Received by the Covered Employee
Temporary Partial 66% of the difference between AWW and new income
Temporary Total  $1,160
Permanent Partial $386
Permanent Total $1,160
Death Benefit $1,160


Montana

The average weekly wage in Montana is $973 in 2023 according to the Montana Department of Labor & Industry. Workmans comp disability benefits for Montana employees cover accidents, funeral costs, and medical care when a worker-related injury or illness strikes.

Benefit Type Benefit Received by the Covered Employee
Temporary Partial 66% of the difference between AWW and new income
Temporary Total  $642
Permanent Partial $214
Permanent Total $642
Death Benefit $642 plus $4,000 in burial expenses


Nebraska

According to the Nebraska Workers Compensation Court, the average weekly wage in Nebraska is 1,029 in 2023. Nebraska workers comp benefits begin on the eighth calendar day of disability, after a seven-day waiting period.

Benefit Type Benefit Received by the Covered Employee
Temporary Partial 66% of the difference between AWW and new income
Temporary Total  $679
Permanent Partial $226
Permanent Total $679
Death Benefit $679 plus funeral costs


Nevada

In Nevada, the average weekly wage is $1,125 in the fiscal year 2023. Nevada’s Division of Industrial Relations is responsible for setting the rate. Temporary partial disability benefits in Nevada maxes out at $4,873 total benefits but are usually tax-free.

Benefit Type Benefit Received by the Covered Employee
Temporary Partial 66% of the difference between AWW and new income
Temporary Total  $742
Permanent Partial $247
Permanent Total $742
Death Benefits $742-$1687 plus funeral expenses


New Hampshire

The New Hampshire Department of Labor & Industry has determined that the average weekly wage in 2023 is $1,273. New Hampshire’s policy for workers comp total permanent disability is that residents must live in New Hampshire and intend to remain there during the time of benefits.

Benefit Type Benefit Received by the Covered Employee
Temporary Partial 66% of the difference between AWW and new income
Temporary Total  $840
Permanent Partial $280
Permanent Total $840
Death Benefits 50% of annual compensation and burial expenses that do not exceed $10,000


New Jersey

New Jersey’s Department of Labor and Workforce Development set the 2023 average weekly wage to $1,465. Workers compensation and disability benefits in New Jersey must not follow below the minimum rate of 20% of the current statewide average weekly wage.

Benefit Type Benefit Received by the Covered Employee
Temporary Partial 66% of the difference between AWW and new income
Temporary Total  $966
Permanent Partial $322-$1099 max
Permanent Total $966
Death Benefits $1099 max


New Mexico

New Mexico’s Workers Comp Administration set the statewide average weekly wage to $987 in 2023. Benefits in New Mexico are calculated using 66% of the employee’s weekly wage.

Benefit Type Benefit Received by the Covered Employee
Temporary Partial 66% of the difference between AWW and new income
Temporary Total  $651
Permanent Partial $217
Permanent Total $651
Death Benefit $651 + $7,500 in funeral expenses


New York

In New York, the average weekly wage was set to $1,688, according to the NYS Workers Compensation Board. New York workers compensation temporary partial disability allows you to get a percentage of your average weekly wage based on the percentage that you are disabled. A 30% disability would allow you to get 30% of the benefit amount.

Benefit Type Benefit Received by the Covered Employee
Temporary Partial 66% of the difference between AWW and new income
Temporary Total  $1,114
Permanent Partial $371
Permanent Total $1,114
Survivor Benefit $1,114


North Carolina

North Carolina’s Industrial Commission set the 2023 rate for the average weekly wage at $1,254.  Temporary total disability has a maximum duration of 500 weeks in this state. Pain and suffering damages are not recoverable through North Carolina’s worker compensation laws. You would need to file a lawsuit to obtain maximum compensation. Here’s a table showing the workers comp temporary partial disability benefits as well as others. 

Benefit Type Benefit Received by the Covered Employee
Temporary Partial 66% of the difference between AWW and new income
Temporary Total  $827
Permanent Partial $275
Permanent Total $827
Survivor Benefit $827 + burial expenses of $10,000


North Dakota

North Dakota Workforce Safety & Insurance set the average weekly wage to $975 in 2022. The temporary total benefits for North Dakota kick in after five or more days of work, and you can receive up to $15 a week for each dependent child.

Benefit Type Benefit Received by the Covered Employee
Temporary Partial 66% of the difference between AWW and new income
Temporary Total  $643
Permanent Partial $214
Permanent Total $643
Death Benefit One-time award of $2,500 and $800 for each dependent child. Benefits may not exceed $300,000 over a lifetime

Ohio

The average weekly wage in Ohio during 2023 is $1,149, according to the Bureau of Worker’s Compensation. Ohio does not offer a form of tpd compensation. Ohio offers additional benefits beyond disability that pay similar rates like scheduled loss, living maintenance, and wage loss from workplace illnesses and injuries.

Benefit Type Benefit Received by the Covered Employee
Temporary Total  $383-$1,149
Permanent Partial $383
Permanent Total $1,149
Wage Loss $1,149
Living Maintenance $574-$1,149
Scheduled Loss $1,149
Survivor Benefits $574-$1,149


Oklahoma

Oklahoma’s Workers’ Compensation Commission set the average weekly wage to $986 in 2023. Oklahoma uses a no-fault system for workers comp. This means you can apply for benefits even if you were partially or wholly at fault for the injury.

Benefit Type Benefit Received by the Covered Employee
Temporary Partial 70% of the difference between AWW and new income
Temporary Total  $690
Permanent Partial $230-$323 max
Permanent Total $690
Death Benefit $690 plus funeral expenses


Oregon

In Oregon, $1,224 was the state average weekly rate in 2023. It was set by the Oregon Worker’s Compensation Division. Oregon has no time limit on how long the worker can collect compensation if the injury is severe enough.

Benefit Type Benefit Received by the Covered Employee
Temporary Partial 66% of the difference between AWW and new income
Temporary Total  $807
Permanent Partial $269
Permanent Total $807
Death Benefit $807 plus funeral expenses

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Pennsylvania

Pennsylvania’s Department of Labor & Industry set the 2023 average weekly rate at $1,273. Workers comp payments can continue for Pennsylvania workers for up to 9 years, though this can possibly be extended for up to 12 years, depending on the circumstance.

Benefit Type Benefit Received by the Covered Employee
Temporary Partial 66% of the difference between AWW and new income
Temporary Total  $840
Permanent Partial $280
Permanent Total $840
Death Benefit $840 + $7,000 in funeral expenses


Rhode Island

The Rhode Island Department of Labor and Training set the average weekly wage to $1,184 in 2021. Rhode Island is one of the few states that offers a higher percentage of benefits. In Rhode Island, your benefit amount is calculated at 75% instead of 66%.

Benefit Type Benefit Received by the Covered Employee
Temporary Partial 75% of the difference between AWW and new income
Temporary Total  $888
Permanent Partial $296
Permanent Total $888
Death Benefit $888-$947 with a maximum burial allowance of $5,000


South Carolina

The South Carolina Worker’s Compensation Commission changed the average weekly wage to $1,035 in 2023. South Carolina has a 340-week limit of partial disability benefits, which are based on the worker’s reduced earning capacity.

Benefit Type Benefit Received by the Covered Employee
Temporary Partial 66% of the difference between AWW and new income
Temporary Total  $683
Permanent Partial $227
Permanent Total $683
Death Benefit $683 up to 500 weeks


South Dakota

The South Dakota Department of Labor & Regulation set the average weekly rate to $975 per week in 2022. Workers will have to endure a seven-day waiting period in South Dakota before any of their benefits can be paid. Workers compensation disability benefits may not be accessed by everyone since South Dakota is one of the states where workers’ comp insurance is not required.

Benefit Type Benefit Received by the Covered Employee
Temporary Partial 66% of the difference between AWW and new income
Temporary Total  $643
Permanent Partial $214
Permanent Total $643
Death Benefit $643 plus funeral expenses


Tennessee

Tennesse’s Department of Labor & Workforce Development set the average weekly wage to $1,121 in 2023. Tennessee benefits start on the eighth day of disability for any disability period that lasts over 14 days.

Benefit Type Benefit Received by the Covered Employee
Temporary Partial 66% of the difference between AWW and new income
Temporary Total  $672
Permanent Partial $224
Permanent Total $672
Death Benefit $672 + $20,000 paid to the estate

Texas

In Texas, the weekly average wage was set to $1,111 by the Texas Department of Insurance. A worker will become eligible for benefits after they have lost income from their job for more than seven days because of a worker injury. Death benefits award 75% of the deceased employee’s wage.

Benefit Type Benefit Received by the Covered Employee
Temporary Partial 70% of the difference between AWW and new income
Temporary Total  $777
Permanent Partial $259
Permanent Total $777
Death Benefit $833

Utah

Utah set its weekly average wage to $961 in 2022, which was set by the Utah Labor Commission. The state of Utah is another state that has a no-fault system for worker’s comp, allowing workers to apply for benefits even if they are the ones at fault for a work-related incident or injury.

Benefit Type Benefit Received by the Covered Employee
Temporary Partial 66% of the difference between AWW and new income
Temporary Total  $634
Permanent Partial $211
Permanent Total $634
Death Benefit $634-$816 plus a specified amount for burial


Vermont

Vermont’s Workers’ Compensation Division set the average weekly wage at $1,542 in 2022. Employees must file a workers’ comp claim within six months of when they discover the injury or illness, or they may be ineligible for benefits. Here’s a table showing the workers comp disability benefits in Vermont. 

Benefit Type Benefit Received by the Covered Employee
Temporary Partial 66% of the difference between AWW and new income
Temporary Total  $1,017
Permanent Partial $339
Permanent Total $1,017
Death Benefits $1017-$1,187 plus a reasonable burial allowance


Virginia

Virginia’s Worker’s Compensation Commission changed the average weekly wage to $1,343 in 2023. Normally Virginia estimates your regular wages by looking at your earnings for the past 52 weeks before determining your average wage.

Benefit Type Benefit Received by the Covered Employee
Temporary Partial 66% of the difference between AWW and new income
Temporary Total  $886
Permanent Partial $295
Permanent Total $886
Death Benefits $886 + $10,000 in funeral expenses and up to $1,000 in reasonable transportation expenses


Washington

In Washington, the average weekly wage in the state was $1,586  in 2022. The rates for workers comp and disability benefits are determined by the Washington State Department of Labor & Industries. Survivor benefits payout at 100% 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  $1046
Permanent Partial $348
Permanent Total $1046
Survivor Benefits $1,586 plus funeral expenses


West Virginia

West Virginia’s average weekly wage was set to be $917 in 2022 by the West Virginia Offices of the Insurance Commissioner. Private carriers used not to be allowed in West Virginia. However, since 2008, private insurers have been allowed to do business in West Virginia. It used to be a monopolistic state, meaning employers must purchase their workers’ comp insurance directly from a government agency.

Benefit Type Benefit Received by the Covered Employee
Temporary Partial 66% of the difference between AWW and new income
Temporary Total  $605
Permanent Partial $201
Permanent Total $605
Death Benefits $605 + $7,000 funeral costs


Wisconsin

Wisconsin has an average weekly wage of $945 in 2022, set by the Department of Workforce Development. The death benefit in Wisconsin is calculated by taking four times the employee’s average annual earnings. These benefits are paid out to survivors monthly.

Benefit Type Benefit Received by the Covered Employee
Temporary Partial 66% of the difference between AWW and new income
Temporary Total  $623
Permanent Partial $207
Permanent Total $623
Death Benefit 4x average annual earnings


Wyoming

Wyoming’s Department of Workforce Services determined the average weekly wage to be $1,135  in 2023. Wyoming is a monopolistic state for worker’s comp, ensuring that all qualifying workers can receive benefits directly from the government.

Benefit Type Benefit Received by the Covered Employee
Temporary Partial 66% of the difference between AWW and new income
Temporary Total  $749
Permanent Partial $249
Permanent Total $749
Death Benefit $749 plus a maximum of $5,000 for burial costs

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