Vermont Workers' Comp Benefits Calculator 2026
Injured at work in Vermont? You may be entitled to workers' compensation benefits. Vermont pays 66.7% of your average weekly wage as a weekly benefit, up to a maximum of $1,746/week. Use our free calculator below to estimate your weekly workers' comp benefit in 60 seconds — no email required.
Vermont has one of the highest maximums relative to its SAWW. Benefits can last up to 330 weeks. All employers 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.
Vermont Workers' Comp Key Facts — 2026
| Maximum Weekly Benefit | $1,746/week |
| Minimum Weekly Benefit | $349/week |
| Benefit Rate | 66.7% of AWW |
| Waiting Period | 3 days |
| Retroactive After | 10 days |
| Filing Deadline | 730 days from injury |
| Max Duration (TTD) | 330 weeks |
| State Average Weekly Wage | $1,164/week |
| WC Board Phone | 1-802-828-2286 |
Source: Vermont Workers' Compensation Board. Rates effective 2026.
Workers' Compensation in Vermont: Key Numbers for 2026
State Avg Weekly Wage
$1,164
Max Weekly Benefit
$1,746
Benefit Rate
66.7%
Max Duration
330w
Common Workplace Injuries in Vermont — Average Compensation
Based on Vermont's average weekly wage of $1,164 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 | $16,084 | $23,281 | $39,365 |
| Shoulder Injury | $13,121 | $17,073 | $30,194 |
| Knee Injury | $11,428 | $13,969 | $25,397 |
| Neck / Whiplash | $9,735 | $12,417 | $22,152 |
| Carpal Tunnel / Wrist | $5,926 | $8,536 | $14,462 |
| Fracture (Arm/Leg) | $7,831 | $10,865 | $18,696 |
| Head / Concussion | $14,603 | $18,625 | $33,228 |
Estimates based on Vermont 2026 workers' comp benefit rate (66.7% of AWW, capped at $1,746/week) and NCCI injury cost data. Actual compensation varies based on injury severity, impairment rating, and medical documentation.
How Much is Workers' Comp in Vermont?
In Vermont, workers' comp pays 66.7% of your average weekly wage, up to a maximum of $1,746/week. The minimum weekly benefit is $349/week.Vermont has a 3-day waiting period before benefits begin, and TTD benefits can last up to 330 weeks.
Vermont Workers' Compensation Rates 2026
Workers' comp insurance rates in Vermont 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 Vermont?
The cost of workers compensation insurance in Vermont depends on three factors: your industry class code, your total annual payroll, and your experience modification rate. Here's what typical Vermont businesses pay annually for $100,000 in payroll:
| Industry | Annual Cost per $100K Payroll |
|---|---|
| Office / Clerical | $370 |
| Retail / Sales | $900 |
| Restaurant / Food Service | $1,590 |
| Healthcare | $1,850 |
| Manufacturing | $2,960 |
| Warehouse / Logistics | $4,070 |
| Construction (General) | $5,820 |
| Roofing (Highest Class) | $13,230 |
*Per-employee estimate based on Vermont's average weekly wage of $1,164. 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 Vermont
In Vermont, workers' comp benefits are 66.67% of your average weekly wage. Vermont has a high maximum weekly benefit of $1,746 and a minimum of $349. If you earn $1,200 per week, your benefit would be $1,200 x 66.67% = $800 per week, well under Vermont's generous cap.
Vermont has a 3-day waiting period. If your disability lasts more than 10 days, those first 3 days are paid retroactively. TTD benefits can last up to 330 weeks (about 6.3 years), which is longer than most states.
Vermont's high maximum and long benefit duration make it one of the more generous states for injured workers. Benefits are tax-free.
Vermont Workers' Comp Laws You Must Know
- •All employers in Vermont must carry workers' comp insurance.
- •Vermont has one of the highest maximum weekly benefits at $1,746.
- •Employees in Vermont can choose their own treating physician.
- •Vermont has a 2-year statute of limitations for filing claims.
- •TTD benefits can last up to 330 weeks in Vermont.
- •Benefits are 66.67% of AWW.
- •Employers cannot retaliate against workers who file claims in Vermont.
How to File a Workers' Comp Claim in Vermont
- 1Report your injury to your employer as soon as possible.
- 2See a doctor of your choosing. Vermont allows you to pick your own physician.
- 3Your employer must file a First Report of Injury with the Vermont Department of Labor.
- 4The insurer will accept or deny the claim. Benefits start after the 3-day waiting period.
- 5If denied, file a claim with the Vermont Department of Labor at 1-802-828-2286.
Need help filing? Visit the Vermont Workers' Comp Board or call 1-802-828-2286 for assistance.
Special Rules in Vermont
- ⚠All employers must carry coverage
- ⚠Employee can choose own doctor
- ⚠2-year statute of limitations
- ⚠Up to 330 weeks of TTD benefits
Average Workers' Comp Settlement in Vermont
Settlement amounts in Vermont 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 Vermont Workers' Compensation Board.
Find a Workers' Comp Attorney in Vermont
Need Legal Help With Your Vermont 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.
Vermont Workers' Comp FAQ
Vermont has one of the highest maximums relative to its SAWW. Benefits can last up to 330 weeks. All employers 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 Vermont change frequently. Consult a licensed workers' compensation attorney in Vermont 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 Vermont 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.