Workers Comp Explained
Workers Comp Explained

Hurt at Work? What Your Claim Is Worth and What to Do Next — in Plain English

What's My Claim Worth? Settlements by State Body-Part Payout Charts
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Calculator
Settlement Calculator

Estimate what your workers' comp settlement could be worth in your state and for your injury.
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Calculator
Weekly Benefit Calculator

See your weekly wage-replacement check based on your pay and your state's benefit cap.
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Checker
Workers' Comp Requirement Checker

Find out whether workers' comp is required for a business in your state.
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Evaluator
Is My Offer Fair?

Check whether a settlement offer looks reasonable — and whether it's time to talk to a lawyer.

Explore Workers' Comp Guides

Plain-English guides to what your claim is worth, the deadlines you can't miss, and your rights — for all 50 states.

Settlements

Settlements by State

Your state's weekly benefit cap, the wage-replacement percentage, and the body-part value charts that decide what your claim is actually worth.

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Claims

Claims & Process by State

The exact deadline to report your injury and file your claim, the step-by-step process, and what to do if your claim is denied.

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By Injury

Settlements by Injury

What a settlement typically runs for a back injury, torn rotator cuff, knee, carpal tunnel, or PTSD — and what drives the number.

View Injury Guides →
Your Rights

Your Rights & Scenarios

Straight answers to the questions injured workers actually ask — can you be fired, choose your own doctor, or work a second job.

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Benefits

Benefits Explained

TTD, TPD, PPD, PTD, MMI, and impairment ratings — what each benefit is, how it's calculated, and whether you pay taxes on it.

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Employers

Requirements by State

For employers: the exact employee count that triggers the mandate, who's exempt, the penalty for going without, and monopolistic states.

View State Requirements →
Workers' comp explained in plain English

Workers' Comp, Explained in Plain English

Most people only look this up at the worst possible moment — right after they've been hurt at work and need to know what happens next.

Workers Comp Explained turns your state's actual benefit caps, body-part values, and deadlines into language anyone can follow, so you know what your claim is worth and what to do before you ever fill out an intake form.

  • Exact weekly benefit caps and wage-replacement rates by state
  • Body-part settlement charts — what your specific injury is worth
  • The reporting and filing deadlines you cannot miss
  • Your rights — fired, denied, doctor choice, taxes, light duty
  • Free tools to estimate your settlement and your weekly check
Browse All Guides →

Find Your State's Workers' Comp Settlement

Click any state for its settlement values, claim deadlines, and the rights that apply to your injury.

Workers' Comp by State

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Know What Your Claim Is Worth — Before You Talk to Anyone

Free guides, body-part settlement charts, and calculators — no intake form, no signup, no catch.

Browse All Guides →

Frequently Asked Questions

What is Workers Comp Explained?
Workers Comp Explained is a free educational resource that explains workers' compensation in plain English — how much settlements run in your state, what your specific injury is typically worth, the deadlines to report and file, your rights on a claim, and what to do if you're denied. We cover all 50 states with exact, current figures.
Is it free to use?
Yes — Workers Comp Explained is completely free. We never charge readers for access to any of our guides or tools. There is no signup, no email gate, and no required intake form to read anything.
Do you provide legal, medical, or financial advice?
No. Workers Comp Explained is an informational site, not a law firm, insurer, or medical or financial advisor. We provide general, state- and injury-specific information, and our settlement figures are illustrative only. Confirm the exact figure and any deadline with your state's workers' compensation board and a licensed attorney before you act.
How do you make money?
We earn revenue through display advertising (Google AdSense) and attorney-referral advertising when you choose to speak with a lawyer through one of our links (at no cost to you, always disclosed). These links are advertising — not a referral or endorsement of any attorney — and none of these relationships influence our editorial content or the figures we publish.
How current are the figures?
Benefit caps, body-part values, and deadlines are sourced from state workers'-comp boards, the U.S. Department of Labor, the NCCI, and the Insurance Information Institute, and are reviewed when the figures change. Every page shows a Verified badge. State maximum weekly benefits change every year — always confirm with your state board and a licensed attorney.