Oklahoma Workers' Compensation Settlement Calculator
Estimate Oklahoma workers' comp — TTD/PTD Benefit Formula, PPD — Scheduled-Member Injuries, Exclusive Remedy
Oklahoma workers' compensation claims are governed by 85A O.S. § 45 (TTD/PTD Benefit Formula): TTD & PTD = 70% of AWW, capped at 100% of the state average weekly wage ($1,128.66/wk max for 2026); PPD = 70% of AWW, capped at $375/wk (2026). Of the 4 landmark Oklahoma workers' compensation awards documented on this page, the largest is $131K (Whole-body PPD — statutory maximum, 350-week unscheduled cap × $375/wk (2026 rate); 2026).
🛢️ OKLAHOMA: TTD/PTD Benefit Formula | PPD — Scheduled-Member Injuries | Exclusive Remedy
Your Injury
Your Estimated Settlement
$6,000 — $6,000
Pain and suffering = $15,000 in medical bills × 0.0 severity multiplier. Your bills are already included in that figure, so they are not added again.
Workers' compensation is a no-fault system: your benefits are not reduced because you were partly or fully responsible for the accident.
Workers' compensation does not pay pain and suffering. Unlike a personal injury claim, it covers medical treatment and a portion of your lost wages only — so no pain-and-suffering amount is included above.
This figure does not include a permanent impairment award. If your injury leaves lasting limitations, most states add a separate payment based on a doctor's impairment rating and a statutory schedule.
If someone other than your employer caused the injury — a subcontractor, a driver, a defective machine — you may also have a separate personal injury claim against that party, and that claim can include pain and suffering.
Keep this estimate — it is gone when you close the tab.
Workers' Compensation Wage Benchmark — New York State claims only
Across New York State claims only, this benchmark is based on 5,586,588 real payments totaling $139.7B from official New York State workers' comp claims.
Average
$25K
Median
$20K
25th %ile
$13K
90th %ile
$44K
Source: New York State Workers' Compensation Board (via data.ny.gov). These figures come from New York State claims only and do not describe benefit levels in other states. Actual payouts may vary based on individual circumstances.
Editorially Reviewed — Content reviewed for accuracy using published legal research, government data, and verified court records. See our methodology
Reviewed by Leonard Goldberg, Editor
Oklahoma Workers' Compensation Law
Oklahoma workers' compensation benefits is governed by 85A O.S. § 45 (TTD/PTD Benefit Formula): TTD & PTD = 70% of AWW, capped at 100% of the state average weekly wage ($1,128.66/wk max for 2026); PPD = 70% of AWW, capped at $375/wk (2026). TTD is payable up to 156 weeks (+52 weeks if medically necessary); TPD is capped at 52 weeks; PTD continues until Social Security retirement age or a minimum of 15 years, whichever is longer. The first 3 days of disability are unpaid and are NOT paid retroactively.
PPD — Scheduled-Member Injuries (85A O.S. § 46): Compensation equals 70% of AWW, capped at the PPD max rate ($375/wk in 2026), paid for a fixed number of weeks per body part — arm/leg loss at or above the joint pays 275 weeks, hand or foot pays 220 weeks, thumb pays 66 weeks. Whole-body (unscheduled) PPD is capped at 350 weeks total. Ratings must use the AMA Sixth Edition guides.
Exclusive Remedy (85A O.S. § 5): Workers' comp is the exclusive remedy against your employer; civil suit is barred except when an employer failed to secure required coverage, or acted with 'willful, deliberate, specific intent to cause injury.' A May 2025 amendment confirmed that merely knowing an injury was 'substantially certain' does NOT meet this bar — overriding a 2019 Oklahoma Supreme Court ruling that had gone the other way. Third-party claims against non-employer defendants remain available.
Key Oklahoma Workers' Compensation Statutes
Oklahoma workers' compensation benefits operates under these critical legal rules:
85A O.S. § 45
TTD/PTD Benefit FormulaStandard: TTD & PTD = 70% of AWW, capped at 100% of the state average weekly wage ($1,128.66/wk max for 2026); PPD = 70% of AWW, capped at $375/wk (2026)
Scope: TTD payable up to 156 weeks (+52 weeks if medically necessary); TPD (modified-duty wage-loss) capped at 52 weeks; PTD continues until Social Security retirement age or a minimum of 15 years, whichever is longer. First 3 days of disability are unpaid and NOT paid retroactively. Serious permanent disfigurement capped at $50,000.
85A O.S. § 46
PPD — Scheduled-Member InjuriesStandard: Compensation = 70% of AWW, capped at the PPD max rate ($375/wk in 2026), paid for a fixed number of weeks per body part
Scope: Arm/leg loss at or above the joint = 275 weeks; between joints = 220 weeks; hand or foot = 220 weeks; thumb = 66 weeks; fingers/toes on a descending schedule. Whole-body (unscheduled) PPD capped at 350 weeks total. Ratings must use the AMA Sixth Edition guides; partial phalange loss pays 50% of the full-digit value.
85A O.S. § 5
Exclusive RemedyStandard: Workers' comp is the exclusive remedy against employers; civil suit is barred except for narrow exceptions
Scope: Exceptions: (1) employer failed to secure required WC coverage, or (2) employer acted with 'willful, deliberate, specific intent to cause injury.' A May 2025 amendment (Laws 2025, c. 293) confirmed that mere knowledge an injury was 'substantially certain' to occur does NOT qualify — legislatively overriding the Oklahoma Supreme Court's 2019 Wells v. Oklahoma Roofing & Sheet Metal holding. Third-party tort claims against non-employer defendants are preserved.
85A O.S. § 69
Claim Filing DeadlineStandard: Claims must be filed within 1 year of the date of injury, or 6 months from the date of the last benefit payment if benefits were already being paid
Scope: Occupational disease/infection: 2 years from the last injurious exposure. Silicosis/asbestosis: 1 year after disablement (which must occur within 3 years of exposure). Radiation-related conditions: 2 years from diagnosis. Death claims: 2 years from the date of death. Minors and mentally incompetent claimants get extended time.
85A O.S. §§ 30-31
Multiple Injury Trust Fund (Second Injury Fund)Standard: Pays extra compensation when a new work injury combines with a documented pre-existing impairment to cause materially greater disability than the new injury alone
Scope: 'Physically impaired person' includes loss of sight in one eye, amputation of any body part, or a prior adjudicated PPD. Applies only where the qualifying last injury occurred on or after 7/1/2019. Funded by carrier/self-insurer assessments (capped at 7% of premiums/paid losses through FY2027, 6% after) plus a 3% assessment on claimants' PPD awards for injuries after 7/1/2019.
Vasquez v. Dillard's, Inc., 2016 OK 89 (striking down the Oklahoma Employee Injury Benefit Act)
Opt-Out Struck DownStandard: Oklahoma's 2013 'Oklahoma Option' let qualifying employers opt out of standard workers' comp entirely and write their own benefit plans; the Oklahoma Supreme Court held this unconstitutional on September 13, 2016
Scope: The Court found the opt-out scheme an impermissible special law under Art. 5, § 59 of the Oklahoma Constitution because it let opted-out employers apply different rules for covered injuries, medical management, and dispute resolution — creating arbitrary disparate treatment of injured workers with no distinctive justification. All Oklahoma employers must now carry standard 85A coverage via a private insurer, self-insurance, or CompSource Mutual Insurance Company (the state-owned, non-monopolistic carrier of last resort).
Recovery Structure
Medical treatment (typically unlimited for the accepted injury), lost wages at 70% of average weekly wage (AWW) subject to the state max, permanent impairment awards via the scheduled-member or whole-body (unscheduled) system, vocational rehabilitation for up to 52 weeks, and death/survivor benefits for dependents. No pain and suffering under WC (trade-off of exclusive remedy).
Key Oklahoma Doctrines
Opt-Out Struck Down: Oklahoma briefly let employers 'opt out' of the WC system under custom benefit plans (2013 Oklahoma Option); the Oklahoma Supreme Court held this unconstitutional in Vasquez v. Dillard's, Inc., 2016 OK 89, as an impermissible special law creating disparate treatment among injured workers. Multiple Injury Trust Fund: Pays extra compensation when a new work injury combines with a documented pre-existing impairment to cause materially greater disability, for qualifying last injuries on or after 7/1/2019.
Damage Structure + Caps
TTD/PTD capped at $1,128.66/week (2026, 100% of the state average weekly wage); PPD capped at $375/week; whole-body PPD capped at 350 weeks (up to $131,250 at the 2026 rate); serious permanent disfigurement capped at $50,000; death/survivor benefits paid to dependents at 70% of the worker's AWW.
Oklahoma Workers' Compensation Verdicts + Averages
Oklahoma's Administrative Workers' Compensation Commission does not publish individually named settlement amounts — Joint Petition settlements (85A O.S. § 87) are the state's negotiated lump-sum mechanism, and outcomes are not indexed publicly by case name. The figures below show the 2026 statutory maximum compensation for representative scheduled-member and whole-body PPD injuries, computed directly from the current official benefit-rate chart:
| Amount | Year | Case / Injury |
|---|---|---|
| $131K | 2026 | Whole-body PPD — statutory maximum, 350-week unscheduled cap × $375/wk (2026 rate) — 100%-rated whole-body permanent partial disability |
| $103K | 2026 | Scheduled-member statutory maximum — arm loss at/above the joint, 275-week schedule × $375/wk — Arm amputation, at or above the elbow/shoulder joint |
| $83K | 2026 | Scheduled-member statutory maximum — total loss of hand, 220-week schedule × $375/wk — Hand crush injury / amputation |
| $25K | 2026 | Scheduled-member statutory maximum — total loss of thumb, 66-week schedule × $375/wk — Thumb amputation |
Oklahoma Workers' Compensation FAQs
What is the maximum weekly workers' comp benefit in Oklahoma for 2026?
The Oklahoma 2026 max for TTD (temporary total disability) and PTD (permanent total disability) is $1,128.66/week — 100% of the state average weekly wage (85A O.S. § 45). PPD (permanent partial disability) is capped separately at $375/week. Your actual benefit is 70% of your own average weekly wage (AWW), up to whichever cap applies.
How long do I have to file a workers' comp claim in Oklahoma?
Generally within 1 year of the date of injury, or 6 months from your last benefit payment if benefits were already being paid (85A O.S. § 69). Occupational disease claims get 2 years from the last injurious exposure; death claims get 2 years from the date of death. Report the injury to your employer as soon as possible — delay can complicate your claim even within the filing deadline.
Can I sue my employer in Oklahoma instead of filing workers' comp?
Generally NO — workers' comp is Oklahoma's 'exclusive remedy' against your employer (85A O.S. § 5). Narrow exceptions: (1) your employer failed to carry required WC coverage, or (2) your employer acted with 'willful, deliberate, specific intent' to injure you — merely knowing an injury was 'substantially certain' to happen does NOT meet this bar. Third-party claims against a non-employer (equipment maker, subcontractor, driver) can run alongside your WC claim.
What is a Joint Petition settlement in Oklahoma workers' comp?
A Joint Petition is Oklahoma's lump-sum settlement mechanism (85A O.S. §§ 87, 115) — both sides sign a form resolving all or part of the claim for a defined payment, subject to Workers' Compensation Commission approval. It typically resolves permanent disability and may or may not close out future medical treatment, depending on what's negotiated.
Should I accept the first settlement offer in Oklahoma workers' comp?
Usually not without review. Initial offers often undervalue permanent impairment and future medical needs, especially for whole-body (unscheduled) ratings where the assigned percentage drives the payout. Get an independent medical evaluation using the AMA Sixth Edition guides (the standard Oklahoma requires) and consult a workers' comp attorney before signing a Joint Petition — most work on contingency, with fees regulated by Oklahoma statute.
Pending Oklahoma Workers' Compensation Issues
Active legal developments (as of April 2026):
- Reported minimum weekly TTD/PTD rate ('lesser of $30/week or the worker's full AWW,' per a secondary source) has not been independently confirmed against primary statute text (85A O.S. § 45) or an official WCC chart as of August 2026 — treat as unconfirmed.
- A cited $100,000 lump-sum spousal death benefit figure is single-sourced from a secondary practice-guide site and was not cross-checked against the WCC's own 2026 Death Benefit rate chart (published at wcc.ok.gov but not retrieved in full in this pass).
- PPD scheduled-member weeks (arm/leg/hand/foot/finger/toe) were extracted from Justia's rendering of 85A O.S. § 46. A separate rate-aggregator site showed materially different weeks per body part and an incorrect 66⅔%-of-SAWW formula for Oklahoma (Oklahoma actually uses 70%) — that aggregator was treated as unreliable and excluded, but the Justia weeks were not separately cross-checked against the official OWCC PDF schedule.
- CompSource Oklahoma (the state-owned WC carrier of last resort) had a reorganization plan under legislative/media scrutiny as of December 2025 (KGOU reporting); outcome and any effect on coverage-of-last-resort mechanics were not resolved as of August 2026.
- The exact number of days for initial notice-of-injury-to-employer (distinct from the 1-year claim-filing deadline in § 69) was not located as of August 2026 — worth confirming directly against 85A O.S. § 68 or Commission rules before treating as settled.
Informational only — consult a licensed attorney for case-specific advice.
Primary Sources
- law.justia.com/codes/oklahoma/title-85a/section-85a-45
- law.justia.com/codes/oklahoma/title-85a/section-85a-46
- law.justia.com/codes/oklahoma/title-85a/section-85a-5
- law.justia.com/codes/oklahoma/title-85a/section-85a-69
- law.justia.com/codes/oklahoma/title-85a/section-85a-31
- www.wcc.ok.gov/home/showpublisheddocument/2469/639035528438400000
- www.courtlistener.com/opinion/4258131/vasquez-v-dillards-inc
- www.courtlistener.com/opinion/4675621/wells-v-oklahoma-roofing-sheet-metal
Other State Workers' Compensation Calculators
Washington
L&I state fund + self-insure, PPD dollar-amount schedule, $2,303.31/wk equiv
California
SIBTF reform 2026, $1,764/wk max, QME + SB 636
New York
$1,281.50/wk max, LWEC non-schedule PPD, 2025 Protection in Workplace Act
Texas
Non-subscriber option, $1,271/wk, IBR
Illinois
Lifetime uncapped medical, $2,045.63/wk (2026)
Florida
$1,358/wk, 104-week TTD cap, narrow catastrophic definition
Michigan
PIWEC phantom wages, 80% after-tax AWW, $1,201/wk max 2026
New Jersey
Second Injury Fund, 400/450-wk caps, $1,199/wk max 2026
Ohio
BWC monopoly fund, Industrial Commission PTD, $1,281/wk
Pennsylvania
Act 111 (2017), 500-wk partial cap, $1,394/wk max 2026
Alabama
Max $1,219/wk TTD, but non-scheduled PPD (back injuries) capped at just $220/wk
Arizona
$6,131/mo max AMW (66⅔% TTD/PTD), PPD paid in months not weeks
Colorado
Competitive state fund, $1,464/wk max (91% SAWW), 4-day notice deadline
Connecticut
Max $1,716/wk (2026), 28-day contest deadline, SIF closed since 1995
Georgia
Exclusive remedy, $800/wk TTD cap, catastrophic designation unlocks lifetime benefits
Iowa
80% spendable earnings, $2,431/wk max, active Second Injury Fund
Indiana
$877/wk max (66⅔% AWW), 8-day wait, Second Injury Fund
Kentucky
Impairment-factor PPD formula, $1,277.99/wk max, coal black-lung claims
Louisiana
Second Injury Fund, SEB to 520wks, $903/wk max (Sept 2026)
Massachusetts
Opt-out exclusive remedy, $1,922/wk max rate, PPD paid in statewide-wage multiples
Maryland
Exclusive remedy, $1,537/wk max (2026), Uninsured Employers' Fund safety net
Minnesota
Private-carrier market, $1,536.84/wk max, PTSD presumption for first responders
Missouri
Strict-construction state, TTD/PTD capped 105% SAWW, PPD capped 55% SAWW
North Carolina
500-week TTD/PPD cap, $1,446/wk max (2026), 66 2/3% AWW
Oregon
3-way market (SAIF+private+self-insure), $1,943/wk max, CDA keeps medical open
South Carolina
Exclusive remedy, $1,189.94/wk max (2026), 500-wk TTD cap, lifetime for TBI/spinal
Tennessee
$1,488.30/wk max (FY26-27), 15-day notice, PPD = rating × 450 wks, no jury trials
Virginia
500-week comp cap (PTD lifetime), $1,507/wk max, 66 2/3% AWW
Wisconsin
Dual-track cap: $1,375/wk TTD (110% SAWW) vs just $454/wk PPD; 6/12-yr SOL
Alaska
PPI = $273K × WPI%, TTD/PTD 80% of wage, max $1,627/wk (2026)
Arkansas
Max $953/wk (85% SAWW), odd-lot doctrine barred, 450-wk wage-loss cap
Washington DC
Max $1,852.07/wk (Jan 2025), 30-day notice, LHWCA-style weeks-based PPD schedule
Delaware
Max $962.72/wk (2026), 90-day notice, Medicare-based HCPS fee caps
Hawaii
66⅔% AWW, $1,240/wk max (2026), Special Compensation Fund after 104wks
Idaho
Max $1,021.50/wk (90% ASW), 500-week whole man, ISIF second-injury fund
Kansas
$905/wk max TTD/PTD, 415-wk PPD cap, SB 430 (2024) raised PTD cap $155K→$400K
Maine
Max $1,561/wk (125% of SAWW), 7-day wait, no statutory minimum, exclusive remedy
Mississippi
Max $654.63/wk, 5-day wait, Second Injury Trust Fund
Montana
$1,192/wk max, 400-week PPD formula, 60-mo medical closure
North Dakota
Monopolistic state fund (WSI), $1,614/wk max, no private insurance or self-insurance
Nebraska
Max $1,166/wk (2026), Espinoza multi-member LOEC rule, exclusive remedy
New Hampshire
$2,309/wk cap (150% SAWW); Second Injury Fund; 3-yr claim filing deadline
New Mexico
100% SAWW cap, $1,146.66/wk max, $36/wk min since 1975
Nevada
Privatized market, monthly PPD annuity (0.6%/1% WPI), max $5,691.79/mo (FY27)
Rhode Island
62% AWW formula, $1,622/wk max, dedicated Workers' Compensation Court
South Dakota
No insurance mandate • $1,152/wk max (2026) • Subsequent Injury Fund repealed 1999
Utah
Max $1,376/wk (2026), 6-yr/12-yr filing window, narrow intentional-injury exception
Vermont
Max $1,914/wk (2026), 6-mo. filing deadline, whole-person PPD schedule
West Virginia
Deliberate-intent exception, $1,150.91/wk max, no punitive damages, privatized market
Wyoming
Monopolistic state fund, no private insurance; PTD capped at 80 months, not lifetime
Main Workers' Comp Calculator
Nationwide WC benefits overview