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Estimate the workers' comp benefits you may be owed under Arizona law — TTD, TPD, PPD, PTD, and death benefits — in about 3 minutes.
USE THE CALCULATOR ↓Free informational tool. Not legal advice. Hablamos español.
This calculator provides an informational estimate of Arizona workers' compensation benefits only. It is not legal advice, does not create an attorney-client relationship, and is not a guarantee of any benefit amount. Actual benefits are determined by the Industrial Commission of Arizona (ICA), your employer's insurance carrier, and the specific facts of your claim.
Arizona law provides four main categories of workers' comp benefits. The right ones for you depend on your injury, your wages, and whether you can return to work.
Arizona workers' comp generally pays 100% of the medical care you need to recover from your work injury — doctor visits, surgery, physical therapy, prescriptions, and travel to appointments. You should not be billed for treatment of an accepted work injury. If you are, that's a sign something is wrong.
While you cannot work (TTD), Arizona pays roughly 66.67% of your Average Monthly Wage, subject to the ICA's annual maximum. If you return at reduced hours or modified duty (TPD), you receive 66.67% of the difference between your pre-injury wage and what you can now earn. There is a 7-day waiting period unless your disability lasts 14+ days, in which case the first week is paid retroactively.
For specific body parts — arm, hand, leg, eye, hearing — Arizona uses a 'scheduled' system: a fixed number of months of payments based on your impairment rating. For back, neck, head, internal, or psychiatric injuries, benefits are 'unscheduled' and based on loss of earning capacity, typically until age 65.
When a work injury prevents any substantial gainful employment, Arizona provides PTD benefits — 66.67% of Average Monthly Wage, for life, subject to the ICA maximum. PTD is hard to obtain and frequently contested by insurance carriers.
If a worker dies from a work-related injury, the surviving spouse and dependents receive a percentage of the worker's Average Monthly Wage. A surviving spouse generally receives 35% (continuing until death or remarriage), with additional amounts for each dependent child until age 18 (longer for students or disabled children). Reasonable burial expenses are also covered.
Workers' comp does not pay for pain and suffering. But if someone other than your employer caused your injury — a defective product, a negligent subcontractor, a driver who hit you on the job, or an unsafe property owner — you may have a separate personal injury claim that recovers the full range of damages workers' comp doesn't pay.
Under A.R.S. § 23-1061, you generally have 1 year from the date of injury (or from when you knew or should have known the injury was work-related) to file a workers' compensation claim with the ICA. Missing this deadline can permanently bar your claim.
Your AMW is the foundation of every wage-replacement benefit. Carriers sometimes calculate AMW too low — leaving out overtime, tips, bonuses, or second jobs you held when injured. If your AMW is wrong, every check you receive will be wrong.
Arizona prohibits retaliation against workers who file legitimate workers' comp claims. Termination, demotion, or harassment because you filed a claim can be the basis for a separate wrongful termination case.
Arizona's TTD and PTD benefit amounts are capped at a maximum monthly figure set by the Industrial Commission of Arizona and adjusted each January. High earners may receive less than 66.67% of their actual wages because of this cap.
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