Maine Workers' Comp Benefits Calculator 2026
Injured at work in Maine? You may be entitled to workers' compensation benefits. Maine pays 80.0% of your average weekly wage as a weekly benefit, up to a maximum of $807/week. Use our free calculator below to estimate your weekly workers' comp benefit in 60 seconds — no email required.
Maine pays 80% of after-tax weekly wage, one of the highest rates. All employers with 1+ employees must carry coverage.
Your Situation
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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.
Maine Workers' Comp Key Facts — 2026
| Maximum Weekly Benefit | $807/week |
| Minimum Weekly Benefit | $202/week |
| Benefit Rate | 80.0% of AWW |
| Waiting Period | 3 days |
| Retroactive After | 14 days |
| Filing Deadline | 730 days from injury |
| Max Duration (TTD) | 104 weeks |
| State Average Weekly Wage | $1,011/week |
| WC Board Phone | 1-207-287-3751 |
Source: Maine Workers' Compensation Board. Rates effective 2026.
Workers' Compensation in Maine: Key Numbers for 2026
State Avg Weekly Wage
$1,011
Max Weekly Benefit
$807
Benefit Rate
80.0%
Max Duration
104w
Common Workplace Injuries in Maine — Average Compensation
Based on Maine's average weekly wage of $1,011 and the state's 80.0% 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 | $13,970 | $24,210 | $38,180 |
| Shoulder Injury | $11,397 | $17,754 | $29,151 |
| Knee Injury | $9,926 | $14,526 | $24,452 |
| Neck / Whiplash | $8,456 | $12,912 | $21,368 |
| Carpal Tunnel / Wrist | $5,147 | $8,877 | $14,024 |
| Fracture (Arm/Leg) | $6,801 | $11,298 | $18,099 |
| Head / Concussion | $12,683 | $19,368 | $32,051 |
Estimates based on Maine 2026 workers' comp benefit rate (80.0% of AWW, capped at $807/week) and NCCI injury cost data. Actual compensation varies based on injury severity, impairment rating, and medical documentation.
How Much is Workers' Comp in Maine?
In Maine, workers' comp pays 80.0% of your average weekly wage, up to a maximum of $807/week. The minimum weekly benefit is $202/week.Maine has a 3-day waiting period before benefits begin, and TTD benefits can last up to 104 weeks.
Maine Workers' Compensation Rates 2026
Workers' comp insurance rates in Maine 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 Maine?
The cost of workers compensation insurance in Maine depends on three factors: your industry class code, your total annual payroll, and your experience modification rate. Here's what typical Maine businesses pay annually for $100,000 in payroll:
| Industry | Annual Cost per $100K Payroll |
|---|---|
| Office / Clerical | $320 |
| Retail / Sales | $780 |
| Restaurant / Food Service | $1,380 |
| Healthcare | $1,610 |
| Manufacturing | $2,570 |
| Warehouse / Logistics | $3,540 |
| Construction (General) | $5,060 |
| Roofing (Highest Class) | $11,490 |
*Per-employee estimate based on Maine's average weekly wage of $1,011. 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 Maine
In Maine, workers' comp benefits are 80% of your after-tax average weekly wage, making Maine one of the highest-paying states for injured workers. The maximum weekly benefit is $807 and the minimum is $202. If you earn $1,200 per week gross, your after-tax wage might be around $960. Your benefit would be $960 x 80% = $768 per week. Since $768 is under the $807 maximum, you would receive $768.
Maine has a 3-day waiting period. If your disability lasts more than 14 days, those first 3 days are paid retroactively. Temporary total disability benefits can last up to 104 weeks.
Maine's 80% after-tax rate means you take home a large share of your normal paycheck while recovering. Workers' comp benefits in Maine are also tax-free.
Maine Workers' Comp Laws You Must Know
- •All employers in Maine with 1 or more employees must carry workers' comp insurance.
- •Maine pays 80% of after-tax average weekly wage, one of the highest rates in the nation.
- •Employees in Maine can choose their own treating physician.
- •Maine has a 2-year statute of limitations for filing workers' comp claims.
- •The maximum weekly benefit in Maine is $807.
- •Maine provides vocational rehabilitation services for injured workers.
- •Employers cannot discriminate against workers who file claims in Maine.
How to File a Workers' Comp Claim in Maine
- 1Report your injury to your employer as soon as possible. Maine requires timely reporting.
- 2See a doctor of your choosing. Maine law allows you to select your own physician.
- 3Your employer must file a First Report of Injury with the Maine Workers' Compensation Board.
- 4The insurer will accept or deny the claim. Benefits start after the 3-day waiting period.
- 5If denied, file a petition with the Maine Workers' Compensation Board at 1-207-287-3751.
Need help filing? Visit the Maine Workers' Comp Board or call 1-207-287-3751 for assistance.
Special Rules in Maine
- ⚠80% of after-tax average weekly wage
- ⚠All employers with 1+ employee must have coverage
- ⚠Employee can choose own doctor
- ⚠2-year statute of limitations
Average Workers' Comp Settlement in Maine
Settlement amounts in Maine 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 Maine Workers' Compensation Board.
Find a Workers' Comp Attorney in Maine
Need Legal Help With Your Maine 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.
Maine Workers' Comp FAQ
Maine pays 80% of after-tax weekly wage, one of the highest rates. All employers with 1+ employees must carry coverage.
Workers' Comp in Nearby States
Legal Disclaimer
This calculator provides estimates only and is not legal advice. Workers' compensation laws and benefit amounts in Maine change frequently. Consult a licensed workers' compensation attorney in Maine 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 Maine 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.