Texas Impairment Income Benefits (IIBs) Calculator
Quick answer: After you reach maximum medical improvement, Texas pays impairment income benefits for 3 weeks for every percentage point of your impairment rating. The weekly amount is 70% of your average weekly wage, up to $920 for injuries from October 1, 2026. A 10% rating means 30 weeks of payments.
| 70% of average weekly wage | $0 |
| Weekly limit for this date of injury | $0 |
| Rating × 3 weeks | 0 weeks |
How IIBs work
- You reach maximum medical improvement. Your doctor certifies MMI and assigns an impairment rating. Temporary income benefits end.
- IIBs start the next day. The carrier must begin paying no later than the 5th day after it receives the MMI report (§408.121).
- 3 weeks per point. Benefits last three weeks for each percentage point of the rating. If the carrier disputes the rating, it pays based on its own reasonable assessment of the right rating while the dispute goes on.
- 70% of your wage, within limits. The weekly amount is 70% of your average weekly wage, subject to the state maximum and minimum (§408.126).
What is a 10%, 20%, or 30% rating worth in Texas?
Totals for injuries from October 1, 2026, by rating and average weekly wage. The weekly amount is 70% of the wage, capped at $920.
| Rating | Weeks | AWW $600 | AWW $900 | AWW $1,200 | AWW $1,500 (cap) |
|---|---|---|---|---|---|
| 5% | 15 | $6,300 | $9,450 | $12,600 | $13,800 |
| 10% | 30 | $12,600 | $18,900 | $25,200 | $27,600 |
| 15% | 45 | $18,900 | $28,350 | $37,800 | $41,400 |
| 20% | 60 | $25,200 | $37,800 | $50,400 | $55,200 |
| 30% | 90 | $37,800 | $56,700 | $75,600 | $82,800 |
After IIBs: supplemental income benefits
If your impairment rating is 15% or more, you may qualify for supplemental income benefits (SIBs) when IIBs run out. Under §408.142 you also must:
- not have returned to work, or be earning less than 80% of your average weekly wage, because of the impairment;
- not have chosen to take part of your impairment benefits as a lump sum; and
- meet the state's work search requirements.
All income benefits, temporary, impairment, and supplemental, end 401 weeks after the date of injury (§408.083).
What people run into
These questions come up again and again in online forums. Here's what the law says.
Settlements exist in Texas, but they're limited. A settlement can't pay benefits as a lump sum, except for the impairment benefit commutation allowed by §408.128. It can't end your right to medical benefits, and it has to be approved by the commissioner.
Tex. Labor Code §408.005
The average weekly wage is based on the 13 weeks before the injury, which is about three months. Overtime counts.
TDI-DWC, average weekly wage
Five points times three weeks is 15 weeks of impairment income benefits. A rating under 15% doesn't qualify for supplemental income benefits afterward.
Tex. Labor Code §§408.121, 408.142
Sources
This calculator gives an estimate based on Texas's published rates and statutes. It is not legal advice and is not affiliated with the Texas Department of Insurance. Your carrier calculates your official benefit.