LEGAL AGREEMENT & USE OF SERVICE
Terms & Conditions
Effective Date: October 1, 2026 · Last Updated: October 2026
Important Disclaimer: Educational Tool, Not Legal Advice
The Workers Comp Calculator provides educational estimates based on published statutory formulas and state caps. It does not provide legal representation, financial advice, or formal disability adjudications. Using this website does not create an attorney-client relationship. If you are involved in a disputed workers' compensation claim, consult a licensed attorney in your state.
1. Acceptance of Terms
By accessing or using The Workers Comp Calculator ("Website", "Service", "we", "us", or "our"), you agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree with any part of these terms, you should discontinue use of the website immediately.
2. Scope & Purpose of the Calculation Tool
The tools, tables, and guides on this website are provided strictly for educational and informational purposes. The calculation engine models mathematical statutory minimums, maximums, and wage-replacement percentages as published by state workers' compensation boards.
The figures generated are mathematical estimates based solely on the data you enter. They do not constitute an official determination of benefits by an employer, insurance carrier, or administrative law judge.
3. Limitation of Calculator Estimates
An actual workers' compensation payout or formal settlement depends on numerous legal and medical factors that cannot be fully evaluated by an automated online tool, including:
- Employer dispute of injury causation or work-relatedness.
- Authorized treating physician medical evaluations and independent medical examinations (IME).
- Exact date of maximum medical improvement (MMI) and whole-person impairment ratings under the AMA Guides.
- Projected future medical procedures, prescription costs, and Medicare Set-Aside (MSA) obligations.
- Subsequent injury funds, pre-existing degenerative conditions, or third-party subrogation liens.
4. Accuracy of Statutory Data
We make reasonable efforts to maintain up-to-date state statutory rates, weekly maximum caps, and benefit schedules. However, state laws, regulatory caps, and judicial interpretations change frequently. We make no warranty or guarantee that the information on this site is current, accurate, or applicable to the specific facts of your claim. Always verify statutory rates with your official state workers' compensation commission or department of labor.
5. Intellectual Property
All content on this website, including software code, calculation formulas, text, graphics, logos, and UI designs, is the property of The Workers Comp Calculator and is protected by United States and international copyright, trademark, and intellectual property laws. You may use this tool for personal, non-commercial purposes. You may not scrape, copy, reverse engineer, or redistribute our calculator engine without prior written consent.
6. Disclaimer of Warranties
THIS WEBSITE AND ITS SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
7. Limitation of Liability
IN NO EVENT SHALL THE WORKERS COMP CALCULATOR, ITS OPERATORS, AUTHORS, OR AFFILIATES BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR ACCESS TO, USE OF, OR INABILITY TO USE THIS SERVICE, OR ANY ACTIONS TAKEN IN RELIANCE UPON ESTIMATES GENERATED BY THIS CALCULATOR.
8. Governing Law
These Terms & Conditions shall be governed by and construed in accordance with the laws of the United States. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the competent state and federal courts.
9. Contact Information
For questions or statutory clarification regarding these terms, please visit our Contact Us page.