Each state manages workers’ compensation in its own way, and each workers’ compensation claim is unique. For the sake of looking at the numbers, we will examine states based on Temporary Total Disability (TTD) conditions. Take a look and decide how where you live stacks up against other workers’ compensation benefits by state:
Workers’ Compensation Benefits by State: Statutory Waiting Periods
If you have been injured at work, you should file a claim immediately, even if the claim involves psychology trauma or ongoing pain such as carpal tunnel. Each state has a statutory waiting period before your Temporary Total Disability or Partial Permanent Disability benefits can begin to be paid, so file your claim immediately:
3 days – Alabama, Alaska, California, Connecticut, Colorado, Delaware, Hawaii, Iowa, Illinois, Maryland, Minnesota, Missouri, New Hampshire, Oregon, Oklahoma, Rhode Island, Utah, Vermont, Washington, West Virginia, Wisconsin, Wyoming
4 days – Montana
5 days – Idaho, Massachusetts, Mississippi, Nevada, North Dakota
6 days – (none)
7 days – Arizona, Arkansas, Florida, Georgia, Indiana, Kansas, Kentucky, Louisiana, Maine, Michigan, Nebraska, New Jersey, New Mexico, New York, North Carolina, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Virginia
Workers’ Compensation Benefits by State: Company Size
Because accidents can happen on the job at a restaurant as well as on a construction site, the majority of states require that employers provide workers’ compensation insurance for all of their employees. Here are the company sizes mandated in state laws before the workers’ comp provisions begin:
2 or more employees – Virginia
3 or more employees – Arkansas, Georgia, Michigan, New Mexico, North Carolina, Wisconsin
4 or more employees – Florida, Rhode Island, South Carolina
5 or more employees – Alabama, Mississippi, Missouri, Tennessee
Non-mandatory coverage – New Jersey, Texas
All other states require private employers to provide coverage for even just one employee. New Jersey’s laws dictate that an employer either obtain coverage or qualify to self-insure, putting the vast majority of private employers on insurance coverage.
Texas laws do not require a private individual or organization to purchase workers’ compensation insurance. According to the Texas Department of Insurance, in 2016, about 82% of private employers offer workers’ compensation coverage. If employers elect not to provide workers’ compensation, they must disclose that to their employees. Common employers who opt out of workers’ compensation insurance are healthcare/educational services (28%), finance/real estate/professional services (24%), arts/entertainment/accommodation/food services (24%), other services except public administration (22%), and manufacturing (21%).
Workers’ Compensation Benefits by State: Statutory Limitations on Medical Benefits
Laws in 45 states favor employees, whose medical benefits can go uncapped so that the injured employee never has to worry about exceeding any maximums when trying to receive proper care.
Here is a breakdown of the workers’ compensation benefits by state for the five locations that enforce medical payment limitations:
- Florida and Montana require employees to pay a co-pay.
- Tennessee limits psychological treatment if that treatment is not prescribed or referred by a licensed physician.
- Ohio requires a re-examination after 90 days of receiving Total Disability benefits.
- Arkansas absolves the employer of responsibility for medical costs after six months if the worker has not lost time from work, returned to work for six months, or if medical costs have reached $10,000.
Workers’ Compensation Benefits by State: Percentage of Wages Paid in TTD Benefits
Calculating workers’ compensation benefits can be a hassle. In order to talk about a level playing field, we’ll look at payment for Temporary Total Disability or TTD. The majority of states pay 66.67% of your pre-tax wages when you are on TTD. Let’s take a look at the states that pay above—and below—that line:
80% after tax earnings – Alaska, Iowa, Maine, Michigan
75% after tax earnings – Rhode Island
70% pre-tax – New Jersey, Oklahoma, West Virginia
67% – Idaho
60% pre-tax – Massachusetts, New Hampshire
66.67% of actual monthly wages – Wyoming
70% for workers who earn over $8.50/hr; 75% for all others – Texas
72% for first 12 weeks, 66.67% after 12 weeks – Ohio
60 – 75%, depending on marital status and number of dependents – Washington
Workers’ Compensation Benefits by State: Maximum TTD Benefit Duration
There are 16 states that do not provide benefits for the duration of the disability:
104 weeks – Florida, Minnesota, Oklahoma, Texas
156 weeks – Massachusetts
208 weeks – West Virginia
312 weeks – Utah
400 weeks – Georgia, Missouri, New Jersey, Tennessee
450 weeks – Arkansas, Mississippi
500 weeks – Indiana, South Carolina, Virginia
Montana does not put a limit on how long an employee may be treated for a given injury, though the state does require that the employee pay a co-pay. The other 33 states in the union guarantee employees the benefit of continued medical care and payment for that care which is directly related to the injury.
You May Qualify for Legal Assistance
If you are denied coverage or if your injury extends past the limitations described here, a workers’ compensation attorney can help you get back on your feet. Get a quick, free evaluation today and see if you qualify for a no-cost, no-obligation consultation with an attorney today.