Representative Body Part Schedules (Illustrative Averages)
| Body Part | Approx. Max Weeks (100% Loss) |
|---|
These are generalized averages across multiple states for illustration only — your state's actual "schedule of losses" is the only figure that legally applies to your claim.
Worked Example
David suffered a 15% impairment rating to his hand. Using a representative 246-week schedule for a hand, his weeks owed are 246 × 0.15 = 36.9 weeks. At a weekly comp rate of $600, his estimated statutory PPD value is 36.9 × $600 = $22,140. His state's actual schedule, his rating methodology, and any dispute over the rating itself could all change this figure significantly.
What This Estimate Includes — and What It Doesn't
Included: a statutory schedule-of-losses calculation — impairment rating × maximum weeks for the body part × your weekly comp rate. This is one real, calculable component that can factor into a settlement discussion.
Not included: future medical costs, wage-loss beyond the schedule, apportionment to a prior condition, litigation posture, disputed ratings, or how an insurance carrier negotiates. A "settlement" in practice can bundle several of these elements together — this tool estimates only the schedule component, not a full settlement figure. For your weekly comp rate itself, use the Weekly Benefit Calculator. See our About & Methodology page for more on how we build these formulas, and our TTD vs. PPD vs. PTD explainer for how PPD fits into a claim's timeline.
PPD FAQ
Is this my actual settlement amount?
No. This estimates the statutory schedule-of-losses value only — one component that can factor into a settlement. A real settlement can be higher or lower depending on future medical costs, disputed ratings, negotiation, and your state's specific rules.
Where does the impairment rating come from?
A treating or independent medical examiner assigns it, typically using a published guide such as an edition of the AMA Guides to the Evaluation of Permanent Impairment. The edition and methodology used can itself be disputed and varies by state.
Why do body-part "weeks" vary so much by state?
Each state sets its own schedule of losses assigning a maximum number of weeks of compensation for total loss of a given body part. This calculator uses generalized averages for illustration — your state's actual schedule is the only figure that legally applies.