You Got Hurt at Work.
Now What?
Workers' compensation is complicated. Your employer's insurer has a team of lawyers. You have a right to know what you're owed — before you sign anything.
Free Tools
Real-time calculators — no login, no email required
Benefits Calculator
Estimate your weekly TTD benefit by state and wage. See how long benefits last and what your total case value might be.
Calculate Benefits →Reporting Deadline Checker
How many days do you have left to report your injury to your employer? Miss this and you may lose your claim entirely.
Check My Deadline →Average Weekly Wage Calculator
Your AWW is the foundation of every WC benefit calculation. Calculate it correctly — including overtime and irregular wages.
Calculate AWW →Impairment Rating Estimator
When your doctor assigns an impairment rating at MMI, what does that number mean in dollars? Find out by state.
Estimate My Rating Value →What Workers' Comp Covers (And What It Doesn't)
Workers' comp is a no-fault system — but it's not a blank check.
✅ What WC Covers
- ✓All medical treatment related to your work injury
- ✓Temporary Total Disability (TTD) — wage replacement while you can't work
- ✓Temporary Partial Disability (TPD) — if you return to lighter duty at lower pay
- ✓Permanent Partial Disability (PPD) — impairment rating payout
- ✓Permanent Total Disability (PTD) — if you can never work again
- ✓Vocational rehabilitation if you can't return to your old job
- ✓Death benefits for surviving family members
- ✓Mileage reimbursement for medical appointments
❌ What WC Does NOT Cover
- ✗Pain and suffering (no non-economic damages in WC)
- ✗Emotional distress as a standalone claim
- ✗100% of your wages — typically 60–75%
- ✗Injuries caused by your own intoxication or horseplay
- ✗Self-inflicted injuries
- ✗Injuries that occur while commuting (with some exceptions)
- ✗Independent contractors in most states (check your state)
- ✗Agricultural/domestic workers in some states
Self-Help Guides
What to actually do — not just what the law says
Injured at Work — The First 30 Days
Step-by-step: report the injury, choose your doctor, document everything, and avoid the traps that kill claims.
Read Guide →Workers' Comp Traps
Light duty traps, IME games, recorded statements, retaliation, and the delay tactics your employer's insurer uses.
Read Guide →Third-Party Claims
WC doesn't allow pain and suffering — but if someone other than your employer caused the injury, you may be able to sue.
Read Guide →Every State Has Different Rules
Reporting deadlines, benefit rates, and maximum weekly amounts vary dramatically. What's true in Texas isn't true in California.
Find My State's Rules →Texas Workers: Your State Is Different
Texas is the only state where workers' compensation is optional for employers. If your employer opted out (called a "non-subscriber"), you cannot file a WC claim — but you may be able to sue your employer directly in civil court for the full value of your injuries, including pain and suffering. This is actually a significant advantage in many cases.
See Texas-specific rules and options →Not Sure What Your Claim Is Worth?
Most workers' comp attorneys offer free consultations and work on contingency — no fee unless you win. Get a professional opinion before you accept any offer.
Get a Free Case Review →No spam. No obligation. Free introduction to a WC attorney in your state.