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Texas Workers Comp Settlement Calculator

Estimate your Texas workers compensation benefits. Covers Temporary Total Disability (TTD), Permanent Partial Disability (PPD), and Permanent Total Disability (PTD) benefits based on 2026 laws.

70.0% Benefit Rate$1,066/wk Cap (2026)AMA Scheduled WeeksMax TTD: 104 Weeks
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Texas Non-Subscriber Notice: Texas does not require private employers to carry workers comp. If your employer is a non-subscriber, you may have a personal injury claim instead. In this scenario, you can sue your employer for negligence in civil court for full damages (including pain and suffering). If this applies to you, use our Pain & Suffering Calculator instead.

For informational purposes only. This calculator provides estimates — not legal advice. Results vary based on your specific circumstances, state law, and insurance. Consult a licensed personal injury attorney in Texas for guidance on your case.

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Texas Workers Comp Settlement Calculator

Estimate TTD, PPD, or PTD benefits based on your state's workers comp rates

1Your State & Average Weekly Wage
State Rate70.0% of AWW
Weekly Cap (2026)$1,066/wk
Max TTD Weeks104 wks
2Type of Disability Benefit

Temporary Total Disability — unable to work while recovering

3Duration of Disability
4Attorney Representation

Represented claimants receive higher settlements on average. Toggle on if you have or plan to retain a workers comp attorney.

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How Texas Workers' Comp Settlements Work

Texas is unique because it is the only state in the country that does not mandate private employers to carry workers' compensation insurance. Employers who choose to opt out of the state system are known as "non-subscribers."

If your employer carries standard workers' compensation, Texas pays up to 70% of your Average Weekly Wage (AWW) for TTD benefits, capped at a maximum weekly amount of $1,066 for 2026. If your employer is a non-subscriber, you cannot file a standard workers' comp claim. Instead, you have the right to file a personal injury lawsuit against your employer in civil court where you can recover full damages, including pain and suffering, with no statutory caps.

For subscribers, permanent benefits are paid as Impairment Income Benefits (IIBs) once you reach Maximum Medical Improvement (MMI). You receive three weeks of benefits for every percentage point of impairment assigned by your doctor.

Frequently Asked Questions

How is a workers comp settlement calculated?
Unlike personal injury cases, workers compensation settlements do not include pain and suffering. Instead, they are calculated using a strict formula based on your average weekly wage (AWW), your state's benefit rate (typically 66.67%), and the number of benefit weeks assigned to your specific injury. For permanent partial disability (PPD), the formula is: AWW × benefit rate × impairment weeks × (impairment rating % / 100). The total weekly benefit is also subject to your state's weekly cap.
What is an impairment rating and how does it affect my settlement?
An impairment rating is a percentage between 0% and 100% assigned by a treating physician or an independent medical examiner once you reach Maximum Medical Improvement (MMI). This rating represents the permanent loss of function in your injured body part or body as a whole. A higher impairment rating directly increases your settlement value by multiplying the maximum scheduled weeks allowed for that body part under state law.
Should I get an attorney for my workers comp claim?
While you are not required to hire an attorney, data from the National Council on Compensation Insurance (NCCI) shows that represented workers receive higher settlements on average — often yielding a 25% average uplift in payout even after accounting for attorney fees. Workers comp attorneys can help negotiate lump-sum amounts, dispute low impairment ratings, and ensure medical treatment is fully covered.
What is the difference between TTD, PPD, and PTD benefits?
Temporary Total Disability (TTD) pays weekly wage replacement (usually 66.67% of AWW) while you are completely unable to work during your active recovery. Permanent Partial Disability (PPD) compensates you for permanent, partial impairment of a body part (like a finger or arm) after reaching maximum recovery. Permanent Total Disability (PTD) provides ongoing or lump-sum benefits if you are permanently and completely unable to perform any gainful employment.
How accurate is this workers comp settlement calculator?
This calculator provides an estimate of your potential settlement based on state-specific rates, caps, and the formulas defined by law. However, actual workers comp settlements are negotiated agreements. Factors such as disputed medical evidence, pre-existing conditions, future medical cost projections, and the negotiation skills of your attorney will ultimately decide your final settlement amount. Use this tool as a starting estimate, not a legal guarantee.

Get Your Texas Estimate Now

Insurance adjusters utilize detailed tables and calculator software to establish standard payouts. Make sure you understand the statutory rates and caps that apply to your case.

Scroll back to the top of the page to enter your wages and compute a localized workers' comp settlement range.

Workers Comp Settlement Calculator by State

Select your state for a workers compensation calculator reflecting local replacement rates, weekly caps, and body part schedules.

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Important Disclaimer

The settlement estimates produced by this calculator are for informational purposes only and do not constitute legal advice. The multiplier method and per diem method are commonly used formulas — but actual settlement values depend on factors this tool cannot assess: liability disputes, comparative fault findings, insurance policy limits, medical documentation quality, attorney negotiation, and applicable state law in Texas.

No attorney-client relationship is created by using this tool. Consult with a licensed personal injury attorney in Texas before making any decisions. Most attorneys offer free consultations and work on contingency.

Pain and suffering caps, fault rules, and statutes of limitations change. Always verify legal details with a qualified attorney or official state sources.

No personal data collected
Free to use — no signup
Updated for 2025 state laws