Florida Workers' Comp Calculator (2026)
Quick answer: Florida temporary total disability pays 66⅔% of your average weekly wage. For injuries on or after January 1, 2026, the most you can get is $1,358 a week. Payments last up to 104 weeks, or until you reach maximum medical improvement if that comes first.
The first 7 days aren't paid unless you're disabled more than 21 days.
| Average weekly wage | $0 |
| 66⅔% of wage | $0 |
| Paid days | 0 |
| Weekly benefit | $0 |
How Florida calculates temporary total disability
- Average weekly wage. The insurance carrier figures it from your wages before the injury.
- Take 66⅔%. Section 440.15(2)(a) sets temporary total disability at 66⅔ percent of the average weekly wage.
- Apply the limits. The weekly maximum is 100% of the statewide average weekly wage, rounded to the nearest dollar: $1,358 for 2026 injuries. The minimum is $20 a week, or your full wage if you earned less than that.
- Check the waiting period. Section 440.12(1) doesn't pay the first 7 days. If the disability lasts more than 21 days, those days are paid back from the start.
- Watch the end date. Temporary total disability stops at 104 weeks or at maximum medical improvement, whichever comes first. Then your permanent impairment is rated.
Three worked examples
Average weekly wage is $640. Two-thirds is $426.67 a week. Three weeks is exactly 21 days, which isn't more than 21, so the first 7 days aren't paid. That leaves 14 paid days, about $853.
Now the disability lasts more than 21 days, so all 28 days are paid: $1,706.67.
Two-thirds would be $1,600, but the 2026 cap limits the check to $1,358 a week.
Florida TTD by average weekly wage (2026 injuries)
Two-thirds of the wage, up to the $1,358 cap. You hit the cap at an average weekly wage of $2,037.
| Average weekly wage | Weekly TTD | Every two weeks |
|---|---|---|
| $500 | $333.33 | $666.67 |
| $700 | $466.67 | $933.33 |
| $900 | $600.00 | $1,200.00 |
| $1,200 | $800.00 | $1,600.00 |
| $1,500 | $1,000.00 | $2,000.00 |
| $1,800 | $1,200.00 | $2,400.00 |
| $2,037 or more | $1,358 (maximum) | $2,716.00 |
Report the injury within 30 days
Section 440.185(1) requires you to tell your employer within 30 days after the injury, or after it first shows up. If you don't, you can lose the right to benefits. There are exceptions, such as when your employer already knew about the injury, or when only a doctor could tie the condition to your job. In that case you have 30 days from the medical opinion.
Common questions
Which year's maximum applies to me?
The year you were injured. The $1,358 cap covers injuries on or after January 1, 2026. Florida sets a new maximum every year from the statewide average weekly wage, so a 2027 injury will have a different cap.
Is Florida workers' comp taxable?
No. Workers' compensation for a job injury is exempt from federal income tax under IRS Publication 525, and Florida has no state income tax.
What happens after 104 weeks?
Temporary total disability ends at 104 weeks or at maximum medical improvement, whichever is first. After that, your doctor assigns a permanent impairment rating, which decides any impairment benefits.
I'm back at work for less money. What do I get?
Florida pays temporary partial disability: 80% of the difference between 80% of your average weekly wage and what you earn now, up to 66.67% of your average weekly wage (§440.15(4)(a)). Choose "Back at lower pay" in the calculator. Example: $900 before and $400 now gives 80% × ($720 − $400) = $256 a week.
What people run into
These questions come up again and again in online forums. Here's what the law says.
Not in Florida. If you refuse suitable work, you're not entitled to compensation while the refusal continues, unless a judge of compensation claims finds the refusal justified.
Fla. Stat. §440.15(6)
The 104 weeks are shared between temporary total and temporary partial disability. When you reach the limit, or maximum medical improvement first, your permanent impairment is rated. See after 104 weeks.
Fla. Stat. §440.15(2)(a), (4)(e)
Florida employers must report an injury to their carrier within 7 days of learning about it, and can't fire, threaten, or coerce you over a valid claim. See if your employer won't file.
Fla. Stat. §§440.185(2), 440.205
Sources
- Florida Statutes §440.15: Compensation for disability
- Florida Statutes §440.12: Time for commencement and limits on weekly rate
- Florida Statutes §440.185: Notice of injury
- Florida Division of Workers' Compensation: Average weekly wage and maximum compensation rate
- IRS Publication 525: Taxable and Nontaxable Income
This calculator gives an estimate based on Florida's published rates and statutes. It is not legal advice and is not affiliated with the State of Florida or the Division of Workers' Compensation. Your insurance carrier calculates your official benefit.