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Texas Workers' Compensation

Texas Workers' Comp
Settlement Calculator

Estimates based on Texas-specific IIB rates, SIB formulas, and 2025 state benefit maximums from the Texas DWC.

⭐ Texas-specific formulas and DWC benefit rates
$1,114Max weekly TIB (2025)
70%Wage replacement
401 wksMax IIB period
DWCTX Division of Workers Comp
💰Your income before injury

Texas TIB (Temporary Income Benefits) equal 70% of your average weekly wage, up to the state maximum of $1,114/week in 2025.

Note: TX allows employers to opt out of workers' comp
🩹Injury details

Texas uses Impairment Income Benefits (IIBs) based on your impairment rating and AWW to calculate permanent disability benefits.

Weeks receiving Temporary Income Benefits
📋Impairment rating & benefits

Texas pays Impairment Income Benefits (IIBs) equal to 70% of your AWW for 3 weeks per impairment rating point. Workers with ratings above 15% may also qualify for Supplemental Income Benefits (SIBs).

Impairment rating (IR) 12%
0%100%
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Your Texas Estimate

TX Settlement Range Analysis

Based on Texas DWC benefit rates and 2025 IIB/SIB formulas.

Estimated Texas Settlement Range
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Conservative
–
—
Full recovery
Midpoint estimate: —
Temp Income Benefits (TIB)
—
70% of AWW × weeks
Impairment Income (IIB)
—
3 weeks per IR point × 70% AWW
Medical Expenses
—
Past + estimated future
Weekly TIB Rate
—
Max $1,114/wk in TX (2025)
Texas-specific notes: Texas is unique in allowing employers to opt out of workers' comp coverage. Non-subscriber employees can sue their employer directly in civil court, often resulting in significantly higher recoveries. If your IR exceeds 15%, you may also qualify for Supplemental Income Benefits (SIBs) paid quarterly for up to 401 weeks from MMI.
Disclaimer: This calculator provides estimates for educational purposes only. Texas workers' compensation involves complex IIB/SIB calculations and carrier negotiations that vary by case. This is not legal advice. Consult a Texas-licensed workers' comp attorney for a proper evaluation.
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How Texas Workers' Comp Works: What You Need to Know

Texas has one of the most distinctive workers' compensation systems in the country for one simple reason: it is the only state where employers are not required to carry workers' compensation insurance. This creates two completely different paths for injured Texas workers depending on whether their employer opted into the system or not.

Subscriber vs. Non-Subscriber Employers

Texas employers can choose to be "subscribers" (they purchase workers' comp coverage through the Texas Division of Workers' Compensation) or "non-subscribers" (they opt out of the system entirely). If your employer is a subscriber, you are covered by the Texas workers' comp system and receive the benefits described below. If your employer is a non-subscriber and you are injured, you generally cannot use the workers' comp system — but you can sue your employer directly in civil court for negligence, and your employer loses several common legal defenses. Non-subscriber lawsuits often result in significantly higher recoveries than standard workers' comp benefits.

Temporary Income Benefits (TIBs) in Texas

Texas TIBs equal 70% of your average weekly wage, subject to a 2025 maximum of $1,114 per week. TIBs begin after a 7-day waiting period and continue until you reach Maximum Medical Improvement (MMI), return to work earning your pre-injury wages, or reach the 104-week limit — whichever comes first.

Impairment Income Benefits (IIBs)

Once you reach MMI and receive an impairment rating, Texas pays IIBs equal to 70% of your AWW for three weeks for each percentage point of your impairment rating. For example, a 10% impairment rating entitles you to 30 weeks of IIB payments. These payments are made weekly and typically run consecutively after TIBs end.

Supplemental Income Benefits (SIBs)

If your impairment rating is 15% or higher and you have an income loss after your IIBs end, you may qualify for Supplemental Income Benefits (SIBs). SIBs are paid quarterly for up to 401 weeks from your MMI date and are calculated based on the difference between 80% of your pre-injury AWW and your post-injury earnings. To maintain SIBs, you must demonstrate you are actively looking for work or participating in vocational rehabilitation.

Lifetime Income Benefits (LIBs)

For the most catastrophic injuries — including total and permanent loss of sight in both eyes, loss of both feet, both hands, or one foot and one hand, paraplegia, quadriplegia, or severe traumatic brain injury — Texas provides Lifetime Income Benefits paid at 70% of your AWW for the rest of your life, with annual cost-of-living increases.