Mississippi Workers' Comp Benefits Calculator 2026
Injured at work in Mississippi? You may be entitled to workers' compensation benefits. Mississippi pays 66.7% of your average weekly wage as a weekly benefit, up to a maximum of $660/week. Use our free calculator below to estimate your weekly workers' comp benefit in 60 seconds — no email required.
Mississippi has one of the lower maximum benefits but allows up to 450 weeks of TTD. Employers with 5+ employees must carry coverage.
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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.
Mississippi Workers' Comp Key Facts — 2026
| Maximum Weekly Benefit | $660/week |
| Minimum Weekly Benefit | $25/week |
| Benefit Rate | 66.7% of AWW |
| Waiting Period | 5 days |
| Retroactive After | 14 days |
| Filing Deadline | 730 days from injury |
| Max Duration (TTD) | 450 weeks |
| State Average Weekly Wage | $660/week |
| WC Board Phone | 1-601-987-4200 |
Source: Mississippi Workers' Compensation Board. Rates effective 2026.
Workers' Compensation in Mississippi: Key Numbers for 2026
State Avg Weekly Wage
$660
Max Weekly Benefit
$660
Benefit Rate
66.7%
Max Duration
450w
Common Workplace Injuries in Mississippi — Average Compensation
Based on Mississippi's average weekly wage of $660 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 | $9,120 | $13,201 | $22,321 |
| Shoulder Injury | $7,440 | $9,680 | $17,120 |
| Knee Injury | $6,480 | $7,920 | $14,400 |
| Neck / Whiplash | $5,520 | $7,040 | $12,560 |
| Carpal Tunnel / Wrist | $3,360 | $4,840 | $8,200 |
| Fracture (Arm/Leg) | $4,440 | $6,160 | $10,600 |
| Head / Concussion | $8,280 | $10,561 | $18,841 |
Estimates based on Mississippi 2026 workers' comp benefit rate (66.7% of AWW, capped at $660/week) and NCCI injury cost data. Actual compensation varies based on injury severity, impairment rating, and medical documentation.
How Much is Workers' Comp in Mississippi?
In Mississippi, workers' comp pays 66.7% of your average weekly wage, up to a maximum of $660/week. The minimum weekly benefit is $25/week.Mississippi has a 5-day waiting period before benefits begin, and TTD benefits can last up to 450 weeks.
Mississippi Workers' Compensation Rates 2026
Workers' comp insurance rates in Mississippi 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 Mississippi?
The cost of workers compensation insurance in Mississippi depends on three factors: your industry class code, your total annual payroll, and your experience modification rate. Here's what typical Mississippi businesses pay annually for $100,000 in payroll:
| Industry | Annual Cost per $100K Payroll |
|---|---|
| Office / Clerical | $210 |
| Retail / Sales | $510 |
| Restaurant / Food Service | $900 |
| Healthcare | $1,050 |
| Manufacturing | $1,680 |
| Warehouse / Logistics | $2,310 |
| Construction (General) | $3,300 |
| Roofing (Highest Class) | $7,500 |
*Per-employee estimate based on Mississippi's average weekly wage of $660. 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 Mississippi
In Mississippi, workers' comp benefits are 66.67% of your average weekly wage. The maximum weekly benefit is $660 -- one of the lowest in the nation -- and the minimum is $25. If you earn $1,200 per week, your calculated benefit is $1,200 x 66.67% = $800. However, since Mississippi caps benefits at $660, you would receive only $660 per week.
Mississippi has a 5-day waiting period. If your disability lasts more than 14 days, those first 5 days are paid retroactively. On the positive side, temporary total disability benefits in Mississippi can last up to 450 weeks (about 8.7 years), which is one of the longest in the country.
While Mississippi's maximum benefit is relatively low, the long benefit duration helps workers with serious, long-term injuries. Benefits are tax-free.
Mississippi Workers' Comp Laws You Must Know
- •Mississippi employers with 5 or more employees must carry workers' comp insurance.
- •Mississippi has one of the lower maximum weekly benefits at $660.
- •TTD benefits in Mississippi can last up to 450 weeks, among the longest in the nation.
- •In Mississippi, the employer selects the treating physician.
- •Mississippi has a 2-year statute of limitations for filing claims.
- •Employers cannot retaliate against workers who file claims in Mississippi.
- •Mississippi covers both injuries and occupational diseases.
How to File a Workers' Comp Claim in Mississippi
- 1Report your injury to your employer as soon as possible. Mississippi requires timely notification.
- 2See the doctor selected by your employer. Mississippi gives employers the right to direct medical care.
- 3Your employer must file a First Report of Injury with the Mississippi Workers' Compensation Commission.
- 4The insurer will investigate and accept or deny the claim. Benefits start after the 5-day waiting period.
- 5If denied, file a petition with the Mississippi Workers' Compensation Commission at 1-601-987-4200.
Need help filing? Visit the Mississippi Workers' Comp Board or call 1-601-987-4200 for assistance.
Special Rules in Mississippi
- ⚠Employers with 5+ employees must have coverage
- ⚠Up to 450 weeks of TTD
- ⚠Employer selects treating physician
- ⚠2-year statute of limitations
Average Workers' Comp Settlement in Mississippi
Settlement amounts in Mississippi 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 Mississippi Workers' Compensation Board.
Find a Workers' Comp Attorney in Mississippi
Need Legal Help With Your Mississippi 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.
Mississippi Workers' Comp FAQ
Mississippi has one of the lower maximum benefits but allows up to 450 weeks of TTD. Employers with 5+ 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 Mississippi change frequently. Consult a licensed workers' compensation attorney in Mississippi 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 Mississippi 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.