New York Workers' Comp Benefits Calculator 2026
Injured at work in New York? You may be entitled to workers' compensation benefits. New York pays 66.7% of your average weekly wage as a weekly benefit, up to a maximum of $1,145/week. Use our free calculator below to estimate your weekly workers' comp benefit in 60 seconds — no email required.
New York requires virtually all employers to carry workers' comp. The state has detailed regulations and strong worker protections.
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.
New York Workers' Comp Key Facts — 2026
| Maximum Weekly Benefit | $1,145/week |
| Minimum Weekly Benefit | $150/week |
| Benefit Rate | 66.7% of AWW |
| Waiting Period | 7 days |
| Retroactive After | 14 days |
| Filing Deadline | 730 days from injury |
| Max Duration (TTD) | 104 weeks |
| State Average Weekly Wage | $1,890/week |
| WC Board Phone | 1-877-632-4996 |
Source: New York Workers' Compensation Board. Rates effective 2026.
Workers' Compensation in New York: Key Numbers for 2026
State Avg Weekly Wage
$1,890
Max Weekly Benefit
$1,145
Benefit Rate
66.7%
Max Duration
104w
Common Workplace Injuries in New York — Average Compensation
Based on New York's average weekly wage of $1,890 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 | $26,116 | $34,350 | $60,466 |
| Shoulder Injury | $21,305 | $25,190 | $46,495 |
| Knee Injury | $18,556 | $20,610 | $39,166 |
| Neck / Whiplash | $15,807 | $18,320 | $34,127 |
| Carpal Tunnel / Wrist | $9,622 | $12,595 | $22,217 |
| Fracture (Arm/Leg) | $12,715 | $16,030 | $28,745 |
| Head / Concussion | $23,711 | $27,480 | $51,191 |
Estimates based on New York 2026 workers' comp benefit rate (66.7% of AWW, capped at $1,145/week) and NCCI injury cost data. Actual compensation varies based on injury severity, impairment rating, and medical documentation.
How Much is Workers' Comp in New York?
In New York, workers' comp pays 66.7% of your average weekly wage, up to a maximum of $1,145/week. The minimum weekly benefit is $150/week.New York has a 7-day waiting period before benefits begin, and TTD benefits can last up to 104 weeks.
New York Workers' Compensation Rates 2026
Workers' comp insurance rates in New York 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 New York?
The cost of workers compensation insurance in New York depends on three factors: your industry class code, your total annual payroll, and your experience modification rate. Here's what typical New York businesses pay annually for $100,000 in payroll:
| Industry | Annual Cost per $100K Payroll |
|---|---|
| Office / Clerical | $600 |
| Retail / Sales | $1,460 |
| Restaurant / Food Service | $2,580 |
| Healthcare | $3,010 |
| Manufacturing | $4,810 |
| Warehouse / Logistics | $6,620 |
| Construction (General) | $9,450 |
| Roofing (Highest Class) | $21,480 |
*Per-employee estimate based on New York's average weekly wage of $1,890. 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 New York
In New York, workers' comp benefits are 66.67% of your average weekly wage. The maximum weekly benefit is $1,145 and the minimum is $150. If you earn $1,200 per week, your benefit would be $1,200 x 66.67% = $800 per week. Since $800 is below the $1,145 cap, you would receive $800.
New York has a 7-day waiting period. If your disability lasts more than 14 days, those first 7 days are paid retroactively. Temporary total disability benefits last up to 104 weeks.
New York has some of the most detailed workers' comp regulations in the country, with strong protections for injured workers. The state uses a medical fee schedule to control costs and ensure consistent treatment. All benefits are tax-free.
New York Workers' Comp Laws You Must Know
- •Nearly all employers in New York must carry workers' comp insurance.
- •Employees in New York can choose their own authorized treating physician.
- •New York has a 2-year statute of limitations for filing claims.
- •Employers must post notice of their workers' comp coverage in the workplace.
- •New York uses a medical fee schedule to standardize treatment costs.
- •Benefits are 66.67% of AWW, up to $1,145 per week.
- •New York provides strong protections against employer retaliation for filing claims.
How to File a Workers' Comp Claim in New York
- 1Report your injury to your employer within 30 days. The sooner you report, the better.
- 2See an authorized doctor of your choosing. New York allows you to select your physician.
- 3File a C-3 form (Employee Claim) with the New York Workers' Compensation Board within 2 years.
- 4Your employer must file a C-2 form with the Workers' Compensation Board and their insurer.
- 5The insurer will accept or contest the claim. Benefits start after the 7-day waiting period.
- 6If contested, the WCB will schedule a hearing. Call 1-877-632-4996 for assistance.
Need help filing? Visit the New York Workers' Comp Board or call 1-877-632-4996 for assistance.
Special Rules in New York
- ⚠Nearly all employers must carry coverage
- ⚠Employee can choose own authorized doctor
- ⚠2-year statute of limitations
- ⚠Employer must post notice of coverage
- ⚠Medical fee schedule controls costs
Average Workers' Comp Settlement in New York
Settlement amounts in New York 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 New York Workers' Compensation Board.
Find a Workers' Comp Attorney in New York
Need Legal Help With Your New York 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.
New York Workers' Comp FAQ
New York requires virtually all employers to carry workers' comp. The state has detailed regulations and strong worker protections.
Workers' Comp in Nearby States
Legal Disclaimer
This calculator provides estimates only and is not legal advice. Workers' compensation laws and benefit amounts in New York change frequently. Consult a licensed workers' compensation attorney in New York 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 New York 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.