Disclaimer & Disclosure

Please read this page carefully before using Injury Benefit Calc. The information on this site is provided for general informational purposes only and is not legal advice.

1. For Informational Purposes Only

All calculators, state pages, articles, and other content on Injury Benefit Calc are provided for informational purposes only. The estimates produced by our calculators are based on publicly available state workers’ compensation rates and formulas, and they reflect general calculations — not advice specific to your case.

The actual benefit amount you may be entitled to depends on factors that we cannot evaluate, including:

The specific facts of your injury and employment
Your complete medical record and the medical evidence
The interpretation of state law by your state’s workers’ comp agency, board, or courts
The insurance carrier’s specific calculation methodology
Whether your injury is contested or undisputed
Whether your claim is being negotiated by an attorney
Local jurisdictional practices and case law
The specific terms of your employer’s workers’ comp policy
Whether your employer is self-insured or fully insured

For these reasons, the actual benefit amount you receive may differ substantially from our estimates. Always verify the estimate with your state’s workers’ comp agency, your insurance carrier, or a licensed workers’ comp attorney.

2. No Attorney-Client Relationship

Use of this site does not create an attorney-client relationship. Injury Benefit Calc is not a law firm, and the operators of this site are not your attorneys. By using this site, you acknowledge that:

No attorney-client relationship is formed by your use of the site
No confidential information should be transmitted through the site
Communications with the site operators are not protected by attorney-client privilege
The site operators are not your legal representatives and have no fiduciary duty to you
Any information you provide is for the site’s functionality only (e.g., to perform the calculation) and is not used to provide legal advice

If you need legal advice about a specific workers’ comp claim, you must consult a licensed workers’ comp attorney in your state. Most offer free consultations and work on contingency.

3. No Guarantee of Accuracy

We make every effort to keep our data accurate, but we cannot guarantee the accuracy, completeness, or timeliness of the information on this site.

Specifically:

State rates change annually (and sometimes more frequently). We update our data on a fixed cycle, but there may be a delay between the state’s official rate change and our update.
State laws change. Workers’ compensation statutes, administrative rules, and case law change frequently. We track major changes but may not capture every regulatory update.
Calculation errors may occur. Despite our best efforts, software bugs and data entry errors are possible. If you believe you have found an error, please contact us so we can correct it.
Third-party data may be inaccurate. Some of our data comes from third-party sources (e.g., NCCI, WCRI). We rely on these sources for accuracy but cannot guarantee their accuracy.

Always verify our estimates against the official state workers’ comp agency before relying on the estimate for any important decision. Each state page lists the official source URL at the bottom.

4. Not a Substitute for Professional Advice

Injury Benefit Calc is not a substitute for professional legal, medical, financial, or insurance advice. Specifically:

Legal advice: For advice about your specific workers’ comp claim, consult a licensed workers’ comp attorney in your state.
Medical advice: For advice about your medical condition or treatment, consult a licensed physician. Our calculators do not evaluate your medical condition and cannot determine whether you are eligible for benefits.
Financial advice: For advice about how to manage your benefits, plan for tax implications, or structure a settlement, consult a licensed financial planner or tax professional.
Insurance advice: For advice about your specific insurance policy, contact your insurance carrier or agent.

5. No Liability for Decisions Based on Our Estimates

Injury Benefit Calc, its operators, contributors, and affiliates shall not be liable for any loss, damage, or claim arising from your use of the site or your reliance on any estimate produced by the site.

This includes, but is not limited to:

Decisions about whether to file a workers’ comp claim
Decisions about whether to accept a settlement offer
Decisions about whether to hire an attorney
Tax implications of workers’ comp benefits
Disputes with your employer or insurance carrier
Delays in receiving benefits
Underpayment of benefits

By using this site, you agree to assume all risks associated with your reliance on the information provided.

6. Editorial Independence

Injury Benefit Calc is editorially independent. We do not accept compensation from insurance carriers, attorneys, or any party with a financial interest in workers’ comp outcomes. Our funding comes from:

Display advertising (clearly labeled)
Optional premium features (which do not affect the accuracy or availability of our free calculators)

We do not endorse, recommend, or have financial relationships with any specific attorney, law firm, insurance carrier, or service provider. Any reference to a third party is provided for informational purposes only and does not constitute an endorsement.

7. Affiliate Disclosure

Some links on this site may be affiliate links. If you click an affiliate link and subsequently engage with the third-party service (e.g., hire an attorney through the link, purchase a product), we may receive a commission. Affiliate relationships do not affect our editorial content or our calculators.

We disclose affiliate relationships clearly. Affiliate links are typically marked with * or labeled as “affiliate link” or “supported link.”

8. Testimonials and Case Studies

Any testimonials, case studies, or examples on this site are illustrative and do not represent typical outcomes. Your specific outcome will depend on the facts of your case, the medical evidence, the insurance carrier, the jurisdiction, and the attorney (if any). Do not assume that you will achieve a similar outcome to any testimonial or case study.