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 â before you sign anything.
Free Tools
Real-time calculators â 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 âReporting 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 âAverage Weekly Wage Calculator
Your AWW is the foundation of every WC benefit calculation. Calculate it correctly â including overtime and irregular wages.
Calculate AWW âImpairment 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 âWhat Workers' Comp Covers (And What It Doesn't)
Workers' comp is a no-fault system â but it's not a blank check.
â What WC Covers
- âAll medical treatment related to your work injury
- âTemporary Total Disability (TTD) â wage replacement while you can't work
- âTemporary Partial Disability (TPD) â if you return to lighter duty at lower pay
- âPermanent Partial Disability (PPD) â impairment rating payout
- âPermanent Total Disability (PTD) â if you can never work again
- âVocational rehabilitation if you can't return to your old job
- âDeath benefits for surviving family members
- âMileage reimbursement for medical appointments
â What WC Does NOT Cover
- âPain and suffering (no non-economic damages in WC)
- âEmotional distress as a standalone claim
- â100% of your wages â typically 60â75%
- âInjuries caused by your own intoxication or horseplay
- âSelf-inflicted injuries
- âInjuries that occur while commuting (with some exceptions)
- âIndependent contractors in most states (check your state)
- âAgricultural/domestic workers in some states
Self-Help Guides
What to actually do â not just what the law says
Injured at Work â The First 30 Days
Step-by-step: report the injury, choose your doctor, document everything, and avoid the traps that kill claims.
Read Guide âWorkers' Comp Traps
Light duty traps, IME games, recorded statements, retaliation, and the delay tactics your employer's insurer uses.
Read Guide âThird-Party Claims
WC doesn't allow pain and suffering â but if someone other than your employer caused the injury, you may be able to sue.
Read Guide âEvery 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 âTexas 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 â 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 âNot Sure What Your Claim Is Worth?
Most workers' comp attorneys offer free consultations and work on contingency â no fee unless you win. Get a professional opinion before you accept any offer.
Get a Free Case Review âNo spam. No obligation. Free introduction to a WC attorney in your state.