Ohio Workers' Comp Benefits Calculator 2026
Injured at work in Ohio? You may be entitled to workers' compensation benefits. Ohio 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.
Ohio is a monopolistic state fund — employers must insure through the state BWC. Benefits last up to 200 weeks.
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.
Ohio Workers' Comp Maximum Weekly Benefit 2026
The Ohio maximum weekly workers' compensation benefit for 2026 is $1,145 per week, paid at 66.7% of AWW. The minimum is $286/week. Ohio is one of four monopolistic states — all claims go through the Ohio BWC (Bureau of Workers' Compensation), not private insurers.
Ohio TTD benefits last up to 200 weeks — significantly longer than the 104-week limit in most states.
Ohio Workers' Comp Key Facts — 2026
| Maximum Weekly Benefit | $1,145/week |
| Minimum Weekly Benefit | $286/week |
| Benefit Rate | 66.7% of AWW |
| Waiting Period | 7 days |
| Retroactive After | 14 days |
| Filing Deadline | 365 days from injury |
| Max Duration (TTD) | 200 weeks |
| State Average Weekly Wage | $1,057/week |
| WC Board Phone | 1-800-644-6292 |
Source: Ohio Workers' Compensation Board. Rates effective 2026.
Workers' Compensation in Ohio: Key Numbers for 2026
State Avg Weekly Wage
$1,057
Max Weekly Benefit
$1,145
Benefit Rate
66.7%
Max Duration
200w
Common Workplace Injuries in Ohio — Average Compensation
Based on Ohio's average weekly wage of $1,057 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 | $14,606 | $21,141 | $35,747 |
| Shoulder Injury | $11,915 | $15,503 | $27,418 |
| Knee Injury | $10,378 | $12,685 | $23,063 |
| Neck / Whiplash | $8,840 | $11,275 | $20,115 |
| Carpal Tunnel / Wrist | $5,381 | $7,752 | $13,133 |
| Fracture (Arm/Leg) | $7,111 | $9,866 | $16,977 |
| Head / Concussion | $13,261 | $16,913 | $30,174 |
Estimates based on Ohio 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 Ohio?
In Ohio, workers' comp pays 66.7% of your average weekly wage, up to a maximum of $1,145/week. The minimum weekly benefit is $286/week.Ohio has a 7-day waiting period before benefits begin, and TTD benefits can last up to 200 weeks.
Ohio Workers' Compensation Rates 2026
Workers' comp insurance rates in Ohio 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 Ohio?
The cost of workers compensation insurance in Ohio depends on three factors: your industry class code, your total annual payroll, and your experience modification rate. Here's what typical Ohio businesses pay annually for $100,000 in payroll:
| Industry | Annual Cost per $100K Payroll |
|---|---|
| Office / Clerical | $340 |
| Retail / Sales | $820 |
| Restaurant / Food Service | $1,440 |
| Healthcare | $1,680 |
| Manufacturing | $2,690 |
| Warehouse / Logistics | $3,700 |
| Construction (General) | $5,290 |
| Roofing (Highest Class) | $12,010 |
*Per-employee estimate based on Ohio's average weekly wage of $1,057. 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 Ohio
In Ohio, workers' comp operates through a state-run monopolistic fund managed by the Bureau of Workers' Compensation (BWC). Benefits are 66.67% of your average weekly wage. The maximum weekly benefit is $1,145 and the minimum is $286. If you earn $1,200 per week, your benefit would be $1,200 x 66.67% = $800 per week.
Ohio 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 can last up to 200 weeks.
Because Ohio is a monopolistic state, employers must insure through the state BWC rather than private carriers (though large employers can self-insure). Benefits are tax-free.
Ohio Workers' Comp Laws You Must Know
- •Ohio has a state-monopoly workers' comp system through the Bureau of Workers' Compensation (BWC).
- •All employers in Ohio must participate through the BWC or qualify as self-insured.
- •Employees in Ohio can choose their own doctor from a certified list.
- •Ohio has a 1-year statute of limitations for filing claims.
- •TTD benefits in Ohio can last up to 200 weeks.
- •Benefits are 66.67% of AWW, up to $1,145 per week.
- •Ohio provides vocational rehabilitation for permanently disabled workers.
How to File a Workers' Comp Claim in Ohio
- 1Report your injury to your employer as soon as possible.
- 2See a BWC-certified doctor of your choosing. Ohio allows you to pick from certified physicians.
- 3File a First Report of Injury (FROI) with the Ohio BWC. Your employer or doctor can also file this.
- 4The BWC will investigate and accept or deny the claim. Benefits start after the 7-day waiting period.
- 5If denied, you can file an appeal with the Ohio Industrial Commission. Call 1-800-644-6292 for guidance.
Need help filing? Visit the Ohio Workers' Comp Board or call 1-800-644-6292 for assistance.
Special Rules in Ohio
- ⚠State-monopoly system (BWC)
- ⚠All employers must participate
- ⚠Employee can choose own doctor from certified list
- ⚠1-year statute of limitations
- ⚠Up to 200 weeks of TTD
Average Workers' Comp Settlement in Ohio
Settlement amounts in Ohio 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 Ohio Workers' Compensation Board.
Find a Workers' Comp Attorney in Ohio
Need Legal Help With Your Ohio 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.
Ohio Workers' Comp FAQ
Ohio is a monopolistic state fund — employers must insure through the state BWC. Benefits last up to 200 weeks.
Workers' Comp in Nearby States
Legal Disclaimer
This calculator provides estimates only and is not legal advice. Workers' compensation laws and benefit amounts in Ohio change frequently. Consult a licensed workers' compensation attorney in Ohio 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 Ohio 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.