Workers' comp · FL
Florida workers' comp calculator
Florida pays more than two thirds of wages after the most severe injuries, and stops temporary benefits after two years.
Rules read on official Florida pages on · Checked by Radif Partners · How we calculate
- Benefit rate
- 66.67%
- Gross average weekly wage before taxes
- Weekly maximum
- $1,358
- from January 1, 2026
- Weekly minimum
- $20
- or the wage, if lower
- Waiting period
- 7 days
- paid back past 21 days
Florida pays temporary total disability at 66.67% of the injured worker's average weekly wage, up to $1,358 a week for injuries and illnesses on or after January 1, 2026 and never less than $20 (Fla. Stat. §§ 440.12, 440.15(2)). The maximum equals 100% of the statewide average weekly wage that FloridaCommerce measured for the year ending June 30, 2025. A worker who loses an arm, leg, hand or foot, becomes paraplegic or quadriplegic, or loses the sight of both eyes receives 80% instead of two thirds, for a limited time. No compensation is paid for the first 7 days unless the disability lasts more than 21 days. TTD stops at maximum medical improvement or after 104 weeks, whichever comes first, and impairment income benefits then pay 75% of the TTD rate per point of impairment. A ride operator earning $780 a week who misses 24 days receives $1,783.
Weekly temporary total disability benefit in Florida
$733
$3,178 a month · 66.67% of the wage, tax-free
| 66.67% of $1,100 | $733 |
| Weekly maximum / minimum | $1,358 / $20 |
| Days paid / unpaid waiting days | 30 / 0 |
| Total for the time off | $3,143 |
Estimate of wage-loss benefits for a total disability, from the Division of Workers' Compensation, Florida Department of Financial Services rates. Medical care is paid separately; partial disability, permanent impairment ratings and settlements follow other rules. How this is calculated.
The eighty percent exception
Section 440.15(2)(b) lifts the rate to 80% of the average weekly wage for the most catastrophic losses: an arm, a leg, a hand or a foot; paraplegia, paraparesis, quadriplegia or quadriparesis; or the sight of both eyes. The higher rate is still subject to the same ceiling, which is why it matters mostly to mid-range earners. A Tampa roofer earning $1,900 who loses a hand would receive $1,267 at two thirds, but $1,358 at 80%. The calculator applies the ordinary two-thirds rate.
Seven days unpaid, twenty-one to recover them
Under § 440.12(1) compensation is not allowed for the first 7 days, except medical care; if the injury causes more than 21 days of disability, compensation runs from the start. An Orlando ride operator earning $780 a week who returns after 18 days receives $817 for 11 days; out 24 days, $1,783 for all of them.
Where 104 weeks end
TTD is paid during the disability but not beyond 104 weeks, and it ends earlier if the worker reaches maximum medical improvement. The roofer who never improves enough to return is paid for 728 days at most, $131,740. At that point the doctor assigns an impairment rating under the uniform schedule, and permanent total disability is available only for catastrophic injuries or workers incapable of any employment.
Impairment income at 75%
Impairment income benefits are paid biweekly at 75% of the employee's average weekly TTD benefit, based on a uniform permanent impairment rating schedule, starting the day after MMI or expiry of temporary benefits, for 3 weeks per percentage point of impairment; reduced by 50% in weeks the employee earns at least the pre-injury AWW (Fla. Stat. § 440.15(3)(c)). The 2026 text of § 440.15 reads three weeks per percentage point; the statute has been amended often, so check the version in force on the date of injury. On that reading, the ride operator with a 10% rating would receive about $390 a week for 30 weeks. Permanent impairment benefits for a psychiatric condition are limited to a 1-percent permanent impairment (Fla. Stat. § 440.15(3)(c)).
The Division of Workers’ Compensation bulletin sets each year's maximum; it rose from $1,295 in 2025 to $1,358 in 2026, while the floor stayed at $20. A worker earning below $20 a week receives the full wage. The ceiling begins at about $2,037 of weekly pay.
The Florida rules this calculator applies
| Rule | Florida |
|---|---|
| Temporary total disability rate | 66.67% of gross average weekly wage before taxes |
| Weekly maximum | $1,358 |
| Weekly minimum | $20 |
| Applies to | injuries and illnesses occurring on or after January 1, 2026 (statewide AWW $1,357.95 for the four quarters ending June 30, 2025) |
| Waiting period | 7 days, paid back when the disability lasts more than 21 days |
| Limit on temporary total benefits | 104 weeks |
Rate. 66 2/3 or 66.67 percent of the average weekly wages during the continuance of disability (Fla. Stat. § 440.15(2)(a)); maximum = 100% of the statewide average weekly wage, adjusted to the nearest dollar (§ 440.12(2)). source
Waiting period. Compensation is not allowed for the first 7 days of disability, except medical benefits under s. 440.13; if the injury results in more than 21 days of disability, compensation is allowed from the commencement of the disability (Fla. Stat. § 440.12(1)). source
Duration. TTD may not exceed 104 weeks except as provided in the subsection, s. 440.12(1) and s. 440.14(3); benefits cease at the earlier of the maximum weeks or maximum medical improvement (Fla. Stat. § 440.15(2)(a)). source
Permanent disability. Impairment income benefits are paid biweekly at 75% of the employee's average weekly TTD benefit, based on a uniform permanent impairment rating schedule, starting the day after MMI or expiry of temporary benefits, for 3 weeks per percentage point of impairment as printed in the 2026 statute; reduced by 50% in weeks the employee earns at least the pre-injury AWW (Fla. Stat. § 440.15(3)(c)). source
Worth knowing in Florida
- Workers who lose an arm, leg, hand or foot, become paraplegic or quadriplegic, or lose sight in both eyes receive TTD at 80% of their average weekly wage rather than 66 2/3% (Fla. Stat. § 440.15(2)(b)). source
- The $20 weekly minimum has applied to every year in the Division's maximum compensation rate table, while the maximum rose from $1,295 (2025) to $1,358 (2026). source
- Only claimants with catastrophic injuries or who are incapable of employment are eligible for permanent total disability; if the accident occurs at age 70 or later, PTD is limited to 5 years after the PTD determination (Fla. Stat. § 440.15(1)). source
- Permanent impairment benefits for a psychiatric condition are limited to a 1-percent permanent impairment (Fla. Stat. § 440.15(3)(c)). source
- The maximum is reset each January 1 from the statewide average weekly wage that FloridaCommerce determines for the four quarters ending the previous June 30. source