Workers Comp Calculator

Estimate workers compensation insurance premiums by state with industry classification codes, experience modification rates, and coverage analysis. Free, fast, and private — runs entirely in your browser.

State

Average Weekly Wage ($)

$200$5,000

Injury Type

Weeks of Disability

1 week520 weeks (10 years)

Estimated Benefits — California

Weekly Benefit Amount

$800.00

66.7% of your weekly wage

Total Estimated Benefits

$20,800.00

Benefit Duration

26 weeks

0.5 years

Monthly Equivalent

$3,464.00

State-by-State Comparison

State	Comp Rate	Weekly Max	Weekly Min	Waiting Period
Californiaselected	67%	$1,619	$243	3 days
Texas	70%	$1,110	$185	7 days
Florida	67%	$1,197	$20	7 days
New York	67%	$1,145	$275	7 days
Illinois	67%	$1,797	$270	3 days
Pennsylvania	67%	$1,273	$318	7 days
Ohio	67%	$1,079	$135	7 days
Georgia	67%	$725	$50	7 days
North Carolina	67%	$1,174	$30	7 days
Michigan	80%	$1,048	$314	7 days

Rates shown are general guidelines. Actual state maximums are updated annually.

How Workers' Comp Benefits Are Calculated

Weekly Benefit = Average Weekly Wage × Compensation Rate

(subject to state minimum and maximum caps)

Compensation Rate: Most states use 2/3 (66.67%) of your average weekly wage. Michigan uses 80%. Texas uses 70%.

PPD Benefits: For permanent partial disability, the weekly benefit is further multiplied by the disability rating percentage assigned by a physician.

Waiting Period: Most states require a waiting period (3-7 days) before benefits begin. If your disability exceeds a retroactive threshold, the waiting period is reimbursed.

Important Legal Disclaimer

This calculator provides rough estimates only and should not be used as legal or financial advice. Workers' compensation laws vary significantly by state, and actual benefits depend on many factors not captured here.

Please consult with a licensed workers' compensation attorney or your state's workers' compensation board for accurate benefit calculations specific to your situation.

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How to Use Workers Comp Calculator

1Select your state and industry classification.
2Enter your annual payroll amount.
3Set your experience modification rate (EMR).
4View your estimated annual premium and per-employee cost.

Frequently Asked Questions

How are workers comp premiums calculated?▾

Premiums are based on your state, industry classification code, annual payroll, and experience modification rate (EMR). Higher-risk industries pay higher rates.

What states are included?▾

The calculator includes rates for 10 major US states. Actual rates vary — contact your state's workers comp board for exact figures.

Is this calculator free?▾

Yes, completely free with no sign-up required. All calculations run in your browser.

How accurate is this calculator?▾

Provides reasonable estimates based on published base rates. Actual premiums depend on your specific claims history and insurer.

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About Workers Comp Calculator

NexTool's Workers Comp Calculator is completely free to use with no sign-up required. Your data is processed directly in your browser and never sent to our servers, ensuring complete privacy and instant results.