Indiana Workers' Comp Benefits Calculator 2026
Injured at work in Indiana? You may be entitled to workers' compensation benefits. Indiana pays 66.7% of your average weekly wage as a weekly benefit, up to a maximum of $986/week. Use our free calculator below to estimate your weekly workers' comp benefit in 60 seconds — no email required.
Indiana employers with 1+ employees must carry coverage. Benefits are 66.67% of AWW with up to 500 weeks maximum.
Your Situation
Tell us about your state and wages to calculate your benefits.
Optional — helps calculate your waiting period start date.
Your gross wages for the 13 weeks before injury, divided by 13. Include overtime, bonuses, and tips if they were regular.
Indiana Workers' Comp Key Facts — 2026
| Maximum Weekly Benefit | $986/week |
| Minimum Weekly Benefit | $50/week |
| Benefit Rate | 66.7% of AWW |
| Waiting Period | 7 days |
| Retroactive After | 21 days |
| Filing Deadline | 730 days from injury |
| Max Duration (TTD) | 500 weeks |
| State Average Weekly Wage | $986/week |
| WC Board Phone | 1-317-232-3808 |
Source: Indiana Workers' Compensation Board. Rates effective 2026.
Workers' Compensation in Indiana: Key Numbers for 2026
State Avg Weekly Wage
$986
Max Weekly Benefit
$986
Benefit Rate
66.7%
Max Duration
500w
Common Workplace Injuries in Indiana — Average Compensation
Based on Indiana's average weekly wage of $986 and the state's 66.7% benefit rate, here are estimated compensation ranges for the most common workplace injuries:
| Injury Type | Avg Medical Cost | Avg Lost Wages | Typical Total |
|---|---|---|---|
| Back / Spine Injury | $13,625 | $19,721 | $33,346 |
| Shoulder Injury | $11,115 | $14,462 | $25,577 |
| Knee Injury | $9,681 | $11,833 | $21,514 |
| Neck / Whiplash | $8,247 | $10,518 | $18,765 |
| Carpal Tunnel / Wrist | $5,020 | $7,231 | $12,251 |
| Fracture (Arm/Leg) | $6,633 | $9,203 | $15,836 |
| Head / Concussion | $12,370 | $15,777 | $28,147 |
Estimates based on Indiana 2026 workers' comp benefit rate (66.7% of AWW, capped at $986/week) and NCCI injury cost data. Actual compensation varies based on injury severity, impairment rating, and medical documentation.
How Much is Workers' Comp in Indiana?
In Indiana, workers' comp pays 66.7% of your average weekly wage, up to a maximum of $986/week. The minimum weekly benefit is $50/week.Indiana has a 7-day waiting period before benefits begin, and TTD benefits can last up to 500 weeks.
Indiana Workers' Compensation Rates 2026
Workers' comp insurance rates in Indiana vary by industry and job classification. Here are estimated rates per $100 of payroll:
| Job Category | Rate per $100 Payroll |
|---|---|
| Office / Clerical | $0.25 |
| Restaurant / Food Service | $1.50 |
| Healthcare / Nursing | $1.75 |
| Manufacturing | $2.50 |
| Trucking / Delivery | $4.50 |
| Construction (General) | $6.50 |
| Roofing | $12.00 |
Rates are estimates and vary by insurer, experience modifier, and specific classification code. Contact your insurance carrier for exact quotes.
How Much Does Workers Comp Cost Employers in Indiana?
The cost of workers compensation insurance in Indiana depends on three factors: your industry class code, your total annual payroll, and your experience modification rate. Here's what typical Indiana businesses pay annually for $100,000 in payroll:
| Industry | Annual Cost per $100K Payroll |
|---|---|
| Office / Clerical | $310 |
| Retail / Sales | $760 |
| Restaurant / Food Service | $1,340 |
| Healthcare | $1,570 |
| Manufacturing | $2,510 |
| Warehouse / Logistics | $3,450 |
| Construction (General) | $4,930 |
| Roofing (Highest Class) | $11,200 |
*Per-employee estimate based on Indiana's average weekly wage of $986. Your actual cost varies by carrier, experience modifier, and specific class code.
Need an exact quote? Our workers comp insurance cost calculator estimates your premium based on state, industry, payroll, employee count, and experience modifier.
How Workers' Comp Benefits Are Calculated in Indiana
In Indiana, workers' comp benefits are 66.67% of your average weekly wage. The maximum weekly benefit is $986 and the minimum is $50. If you earn $1,200 per week, your benefit would be $1,200 x 66.67% = $800 per week, which falls under the Indiana cap.
Indiana has a 7-day waiting period. If your disability lasts more than 21 days, those first 7 days are paid retroactively. Temporary total disability benefits can last up to 500 weeks (about 9.6 years), giving Indiana one of the longer benefit durations in the country.
All workers' comp benefits in Indiana are tax-free. The state also provides permanent partial impairment benefits based on the AMA Guides to the Evaluation of Permanent Impairment.
Indiana Workers' Comp Laws You Must Know
- •All employers in Indiana with 1 or more employees must carry workers' comp insurance.
- •Indiana has a 2-year statute of limitations for filing workers' comp claims.
- •In Indiana, the employer selects the treating physician for the injured worker.
- •TTD benefits in Indiana can last up to 500 weeks, one of the longer durations in the country.
- •Benefits are 66.67% of AWW, capped at $986 per week.
- •Indiana provides permanent partial impairment benefits based on the AMA Guides.
- •Employers cannot fire or retaliate against employees for filing workers' comp claims.
How to File a Workers' Comp Claim in Indiana
- 1Report your injury to your employer as soon as possible. Indiana does not set a specific deadline, but timely reporting is important.
- 2See the doctor chosen by your employer. In Indiana, the employer directs medical treatment.
- 3Your employer must file a First Report of Injury with the Indiana Workers' Compensation Board and their insurer.
- 4The insurer will investigate and issue a decision. Benefits begin after the 7-day waiting period if approved.
- 5If denied, you can file an Application for Adjustment of Claim with the Indiana Workers' Compensation Board at 1-317-232-3808.
Need help filing? Visit the Indiana Workers' Comp Board or call 1-317-232-3808 for assistance.
Special Rules in Indiana
- ⚠All employers with 1+ employee must have coverage
- ⚠Employer selects treating physician
- ⚠2-year statute of limitations
- ⚠500-week maximum for TTD
Average Workers' Comp Settlement in Indiana
Settlement amounts in Indiana vary widely based on injury severity, disability rating, and medical costs. Workers with minor sprains typically settle for $10,000–$30,000, while those with herniated discs or surgical injuries can receive $50,000–$200,000 or more. Use our settlement calculator to estimate your specific case.
Related Resources
Settlement Calculator
Estimate your workers' comp settlement amount
Average Settlement Amounts
See average settlements by injury type and state
How Benefits Are Calculated
Step-by-step formula with examples
Claim Denied?
What to do if your workers' comp is denied
Last updated: April 2026. Data sourced from the Indiana Workers' Compensation Board.
Find a Workers' Comp Attorney in Indiana
Need Legal Help With Your Indiana Claim?
If your claim was denied, your employer is disputing your injury, or you need help negotiating a fair settlement, a workers' comp attorney can help. Most offer free consultations and work on contingency — you pay nothing unless you win.
External link to Avvo attorney directory. WorkCompCalc does not endorse or recommend specific attorneys. Always research and interview attorneys before hiring.
Indiana Workers' Comp FAQ
Indiana employers with 1+ employees must carry coverage. Benefits are 66.67% of AWW with up to 500 weeks maximum.
Workers' Comp in Nearby States
Legal Disclaimer
This calculator provides estimates only and is not legal advice. Workers' compensation laws and benefit amounts in Indiana change frequently. Consult a licensed workers' compensation attorney in Indiana for advice about your specific situation. Actual benefits depend on your employer's insurance carrier, the nature of your injury, and state law. Data sourced from the Indiana Workers' Compensation Board. Last updated: January 2026.
Medical disclaimer: Information on this page is for educational purposes only. Always seek the advice of your physician or other qualified health provider with any questions you may have regarding a medical condition.