Workers Comp Settlement Multiplier 2027 Calculator
Calculate workers' compensation settlement 2027 — permanent partial disability rating × state rate × weeks. Add medical buyout for full settlement.
Permanent Partial Disability (PPD)
Most common workers comp settlement. Doctor assigns impairment rating (AMA Guides). Body part has 'value' in weeks per state schedule. Settlement = compensation rate × weeks × rating.
Body Part Weeks Vary
Arm typically 250 weeks. Leg 200. Hand 200. Finger 25-60. Each state schedule differs. Check your state workers comp commission.
Future Medical Buyout
Add lifetime medical estimate for severe injuries. Often $20-200k. Once accepted, you're responsible for any future medical care.
Medicare Set-Aside
If injury benefits Medicare-related, federal Medicare Set-Aside (MSA) required. Allocates $$ for future Medicare-eligible expenses. Adds complexity but mandatory.
Source: dol.gov OWCP workers comp guidelines, state workers comp commissions. Last updated: May 2026.
Frequently Asked Questions
Should I settle or take weekly benefits?
Lump sum: cash now, no future medical coverage. Weekly: ongoing benefits, medical paid. If young + severe = often better to NOT settle (lifetime medical valuable).
Can employer fire me?
NO — federal retaliation laws protect. If fired during workers comp claim, file separate retaliation suit. Usually settles within weeks.
Light duty?
If doctor releases to light duty and employer offers, you MUST accept or lose benefits. If employer can't accommodate, you keep benefits.