Rhode Island Workers' Comp Benefits Calculator 2026
Injured at work in Rhode Island? You may be entitled to workers' compensation benefits. Rhode Island pays 75.0% of your average weekly wage as a weekly benefit, up to a maximum of $2,040/week. Use our free calculator below to estimate your weekly workers' comp benefit in 60 seconds — no email required.
Rhode Island pays 75% of spendable base wages with one of the highest maximums at $2,040/week. Dependents can add $15/week each.
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Your gross wages for the 13 weeks before injury, divided by 13. Include overtime, bonuses, and tips if they were regular.
Rhode Island Workers' Comp Key Facts — 2026
| Maximum Weekly Benefit | $2,040/week |
| Minimum Weekly Benefit | $272/week |
| Benefit Rate | 75.0% 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 | $1,360/week |
| WC Board Phone | 1-401-462-8100 |
Source: Rhode Island Workers' Compensation Board. Rates effective 2026.
Workers' Compensation in Rhode Island: Key Numbers for 2026
State Avg Weekly Wage
$1,360
Max Weekly Benefit
$2,040
Benefit Rate
75.0%
Max Duration
104w
Common Workplace Injuries in Rhode Island — Average Compensation
Based on Rhode Island's average weekly wage of $1,360 and the state's 75.0% 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 | $18,793 | $30,600 | $49,393 |
| Shoulder Injury | $15,331 | $22,440 | $37,771 |
| Knee Injury | $13,353 | $18,360 | $31,713 |
| Neck / Whiplash | $11,375 | $16,320 | $27,695 |
| Carpal Tunnel / Wrist | $6,924 | $11,220 | $18,144 |
| Fracture (Arm/Leg) | $9,149 | $14,280 | $23,429 |
| Head / Concussion | $17,062 | $24,480 | $41,542 |
Estimates based on Rhode Island 2026 workers' comp benefit rate (75.0% of AWW, capped at $2,040/week) and NCCI injury cost data. Actual compensation varies based on injury severity, impairment rating, and medical documentation.
How Much is Workers' Comp in Rhode Island?
In Rhode Island, workers' comp pays 75.0% of your average weekly wage, up to a maximum of $2,040/week. The minimum weekly benefit is $272/week.Rhode Island has a 3-day waiting period before benefits begin, and TTD benefits can last up to 104 weeks.
Rhode Island Workers' Compensation Rates 2026
Workers' comp insurance rates in Rhode Island 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 Rhode Island?
The cost of workers compensation insurance in Rhode Island depends on three factors: your industry class code, your total annual payroll, and your experience modification rate. Here's what typical Rhode Island businesses pay annually for $100,000 in payroll:
| Industry | Annual Cost per $100K Payroll |
|---|---|
| Office / Clerical | $430 |
| Retail / Sales | $1,050 |
| Restaurant / Food Service | $1,850 |
| Healthcare | $2,160 |
| Manufacturing | $3,460 |
| Warehouse / Logistics | $4,760 |
| Construction (General) | $6,800 |
| Roofing (Highest Class) | $15,450 |
*Per-employee estimate based on Rhode Island's average weekly wage of $1,360. 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 Rhode Island
In Rhode Island, workers' comp benefits are 75% of your spendable base wages (after-tax earnings). The maximum weekly benefit is an impressive $2,040, and the minimum is $272. If you earn $1,200 per week gross, your spendable wage might be about $960. Your benefit would be $960 x 75% = $720 per week. Rhode Island also provides a $15 per week supplement for each dependent.
Rhode Island has a 3-day waiting period. If your disability lasts more than 14 days, those 3 days are paid retroactively. TTD benefits last up to 104 weeks.
Rhode Island's combination of a 75% benefit rate, high maximum, and dependent supplements makes it one of the most generous states for workers' comp. Benefits are tax-free.
Rhode Island Workers' Comp Laws You Must Know
- •All employers in Rhode Island must carry workers' comp insurance.
- •Rhode Island pays 75% of spendable base wages, one of the highest rates.
- •The maximum weekly benefit of $2,040 is among the highest in the nation.
- •Employees in Rhode Island can choose their own treating physician.
- •Rhode Island provides a $15/week supplement per dependent.
- •Rhode Island has a 2-year statute of limitations for filing claims.
- •Employers cannot retaliate against workers who file claims in Rhode Island.
How to File a Workers' Comp Claim in Rhode Island
- 1Report your injury to your employer as soon as possible.
- 2See a doctor of your choosing. Rhode Island allows you to pick your own physician.
- 3Your employer must file a First Report of Injury with the RI Department of Labor and Training.
- 4The insurer will accept or deny the claim. Benefits start after the 3-day waiting period.
- 5If denied, file a petition with the RI Workers' Compensation Court at 1-401-462-8100.
Need help filing? Visit the Rhode Island Workers' Comp Board or call 1-401-462-8100 for assistance.
Special Rules in Rhode Island
- ⚠75% of spendable base wages
- ⚠Dependent supplement of $15/week per dependent
- ⚠All employers must carry coverage
- ⚠Employee can choose own doctor
- ⚠2-year statute of limitations
Average Workers' Comp Settlement in Rhode Island
Settlement amounts in Rhode Island 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 Rhode Island Workers' Compensation Board.
Find a Workers' Comp Attorney in Rhode Island
Need Legal Help With Your Rhode Island 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.
Rhode Island Workers' Comp FAQ
Rhode Island pays 75% of spendable base wages with one of the highest maximums at $2,040/week. Dependents can add $15/week each.
Workers' Comp in Nearby States
Legal Disclaimer
This calculator provides estimates only and is not legal advice. Workers' compensation laws and benefit amounts in Rhode Island change frequently. Consult a licensed workers' compensation attorney in Rhode Island 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 Rhode Island 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.