Maryland Workers' Comp Benefits Calculator 2026
Injured at work in Maryland? You may be entitled to workers' compensation benefits. Maryland pays 66.7% of your average weekly wage as a weekly benefit, up to a maximum of $1,322/week. Use our free calculator below to estimate your weekly workers' comp benefit in 60 seconds — no email required.
Maryland requires all employers to carry workers' comp insurance. Benefits are 66.67% of AWW with a 2-year filing deadline.
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.
Maryland Workers' Comp Key Facts — 2026
| Maximum Weekly Benefit | $1,322/week |
| Minimum Weekly Benefit | $50/week |
| Benefit Rate | 66.7% 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 | $1,322/week |
| WC Board Phone | 1-410-864-5100 |
Source: Maryland Workers' Compensation Board. Rates effective 2026.
Workers' Compensation in Maryland: Key Numbers for 2026
State Avg Weekly Wage
$1,322
Max Weekly Benefit
$1,322
Benefit Rate
66.7%
Max Duration
104w
Common Workplace Injuries in Maryland — Average Compensation
Based on Maryland's average weekly wage of $1,322 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 | $18,268 | $26,441 | $44,709 |
| Shoulder Injury | $14,903 | $19,390 | $34,293 |
| Knee Injury | $12,980 | $15,865 | $28,845 |
| Neck / Whiplash | $11,057 | $14,102 | $25,159 |
| Carpal Tunnel / Wrist | $6,730 | $9,695 | $16,425 |
| Fracture (Arm/Leg) | $8,893 | $12,339 | $21,232 |
| Head / Concussion | $16,585 | $21,153 | $37,738 |
Estimates based on Maryland 2026 workers' comp benefit rate (66.7% of AWW, capped at $1,322/week) and NCCI injury cost data. Actual compensation varies based on injury severity, impairment rating, and medical documentation.
How Much is Workers' Comp in Maryland?
In Maryland, workers' comp pays 66.7% of your average weekly wage, up to a maximum of $1,322/week. The minimum weekly benefit is $50/week.Maryland has a 3-day waiting period before benefits begin, and TTD benefits can last up to 104 weeks.
Maryland Workers' Compensation Rates 2026
Workers' comp insurance rates in Maryland 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 Maryland?
The cost of workers compensation insurance in Maryland depends on three factors: your industry class code, your total annual payroll, and your experience modification rate. Here's what typical Maryland businesses pay annually for $100,000 in payroll:
| Industry | Annual Cost per $100K Payroll |
|---|---|
| Office / Clerical | $420 |
| Retail / Sales | $1,020 |
| Restaurant / Food Service | $1,800 |
| Healthcare | $2,100 |
| Manufacturing | $3,370 |
| Warehouse / Logistics | $4,630 |
| Construction (General) | $6,610 |
| Roofing (Highest Class) | $15,020 |
*Per-employee estimate based on Maryland's average weekly wage of $1,322. 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 Maryland
In Maryland, workers' comp benefits are 66.67% of your average weekly wage. The maximum weekly benefit is $1,322 and the minimum is $50. If you earn $1,200 per week, your benefit would be $1,200 x 66.67% = $800 per week. This falls under the Maryland cap, so you would receive $800.
Maryland 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 continue for up to 104 weeks.
Maryland's system allows employees to choose their own physician, which is an important advantage. Workers' comp benefits are tax-free. Maryland also provides permanent partial disability benefits rated by body part.
Maryland Workers' Comp Laws You Must Know
- •All employers in Maryland must carry workers' comp insurance.
- •Maryland has a 2-year statute of limitations for filing workers' comp claims.
- •Employees in Maryland may choose their own treating physician.
- •Benefits are 66.67% of AWW, up to $1,322 per week.
- •Maryland rates permanent partial disability by body part.
- •Employers cannot retaliate against workers who file claims in Maryland.
- •Maryland covers occupational diseases as well as workplace injuries.
How to File a Workers' Comp Claim in Maryland
- 1Notify your employer of your injury as soon as possible. Maryland recommends immediate reporting.
- 2See a doctor of your choosing. Maryland allows you to pick your own physician.
- 3Your employer or their insurer must file a First Report of Injury with the Maryland Workers' Compensation Commission.
- 4The insurer will accept or deny the claim. Benefits start after the 3-day waiting period.
- 5If denied, you can file a claim with the Maryland Workers' Compensation Commission at 1-410-864-5100.
Need help filing? Visit the Maryland Workers' Comp Board or call 1-410-864-5100 for assistance.
Special Rules in Maryland
- ⚠All employers must carry coverage
- ⚠Employee may choose own physician
- ⚠2-year statute of limitations
- ⚠Permanent partial disability rated by body part
Average Workers' Comp Settlement in Maryland
Settlement amounts in Maryland 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 Maryland Workers' Compensation Board.
Find a Workers' Comp Attorney in Maryland
Need Legal Help With Your Maryland 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.
Maryland Workers' Comp FAQ
Maryland requires all employers to carry workers' comp insurance. Benefits are 66.67% of AWW with a 2-year filing deadline.
Workers' Comp in Nearby States
Legal Disclaimer
This calculator provides estimates only and is not legal advice. Workers' compensation laws and benefit amounts in Maryland change frequently. Consult a licensed workers' compensation attorney in Maryland 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 Maryland 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.