Workers' Comp Settlement Calculator (2026)

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Quick answer

Workers' comp settlements are based on your average weekly wage, your disability rating, and future medical costs, not on pain and suffering. Most lump-sum settlements for permanent partial disability fall between $20,000 and $60,000.

Workers' compensation follows different rules from injury lawsuits: benefits are formula-based and pain and suffering is not covered. This calculator gives a realistic lump-sum range.

Average weekly wage before the injury ($)Weeks off work (so far or expected)Unpaid or future medical costs ($)Permanent disability rating: 0%The impairment percentage a doctor assigns once you reach maximum medical improvement. 0% if none yet.

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Want real-world numbers? See average herniated disc settlement amounts with ranges by severity, or check your state's filing deadline.

Frequently asked questions

Does workers' comp pay for pain and suffering?

No. Workers' comp pays medical costs and a portion of lost wages set by state formulas. Pain and suffering is only available if a third party (not your employer) caused the injury.

What is a disability rating?

A doctor assigns a percentage reflecting permanent impairment. That rating, multiplied by state-scheduled weeks and your compensation rate, drives most settlement values.

Can I settle and keep medical benefits?

In many states yes: you can settle the wage portion and leave medicals open. A full-and-final settlement usually pays more upfront but closes future care.

General legal information, not legal advice. Claimelo is not a law firm. Laws and deadlines depend on your circumstances and may change. Consult a licensed attorney about your situation.