Calculate workers comp benefits for injured employees and premium costs for employers. Instant estimates based on 2026 state data.
Workers comp benefits are generally tax-free at the federal level. You typically cannot sue your employer while receiving benefits. Always report injuries promptly — most states have strict deadlines (30 days or less).
Estimates based on standard 66.67% benefit rate. Actual amounts vary by state and specific circumstances. Consult an attorney for serious injuries.
Implement a formal safety program and return-to-work policy to reduce claims. A lower experience modifier (EMR) can reduce premiums 20–40%. Shop multiple insurers — rates vary significantly.
Estimates based on 2026 NCCI rate data. Actual premiums require professional underwriting. Rates vary significantly by insurer and state.
| Industry | Avg Rate / $100 Payroll | Risk Level | Example Annual Cost (500K payroll) |
|---|---|---|---|
| Office / Clerical | $0.18 | Very Low | $900 |
| Retail | $0.88 | Low | $4,400 |
| Restaurant | $1.42 | Medium | $7,100 |
| Manufacturing | $2.18 | Medium-High | $10,900 |
| Construction | $3.82 | High | $19,100 |
| Trucking | $6.28 | High | $31,400 |
| Roofing | $18.42 | Very High | $92,100 |
All reasonable and necessary medical treatment for a work injury is covered — doctor visits, hospital stays, surgery, medications, physical therapy, and ongoing care with no copay or deductible.
If you miss work due to injury, workers comp pays approximately 66.67% of your average weekly wage. Benefits begin after a waiting period (typically 3–7 days) and are generally tax-free.
If your injury causes permanent impairment, you may receive a lump-sum or ongoing payments based on the severity of disability and your state's rating system.
If you cannot return to your previous job, workers comp may cover retraining and vocational rehabilitation to help you return to the workforce in a different capacity.
If a worker dies from a work-related injury or illness, dependents receive death benefits including burial expenses (typically $10,000–$15,000) and ongoing weekly payments.
Workers comp does not cover injuries from intoxication, self-inflicted injuries, violations of company policy, injuries sustained commuting, or non-work-related activities.