Percentage of wage a worker will receive while on disability (temporary or permanent): 66 2/3 percent

Maximum period a worker can receive payments while on temporary disability: Duration of disability

State mandated minimum payment per week: If 66 2/3 percent of worker's weekly wage is less than $126, the worker receives $126.

State mandated maximum payment per week: If 66 2/3 percent of the worker's weekly wage is greater than $490, the worker receives $490.

Injured people with lawyers receive 3.7 times more than injured people without lawyers.

Insurance Research Council National Survey of auto injury claims

State mandated minimum payment per week: If 66 2/3 percent of worker's weekly wage is less than $126, the worker receives $126.

State mandated maximum payment per week: If 66 2/3 percent of the worker's weekly wage is greater than $490, the worker receives $490.

The state agency overseeing workers comp selects the physician, but that selection can be changed after a time period specified in the state's workers comp law.

No

Yes, there's a fund that competes with private insurers to sell workers comp insurance.

Can employers self-insure on their own?
Yes

Can employers self-insure through groups of employers?
No

None

Source: United States Department of Labor, Employment Standards Administration, Office of Workers Compensation Programs, Division of Federal Employees Compensation. All wage data is based on states' 1999 figures. Average wages may have changed in some states.

Disclaimer: The information in this tool should not be interpreted as legal or financial advice, or as a recommendation to buy or forego any workers compensation insurance product.