Texas workers' comp calculator
Texas calls its wage-loss payments temporary income benefits, or TIBs. They pay 70% of the difference between your average weekly wage and what you earn after the injury, or 75% for the first 26 weeks if you earned under $8.50 an hour. The cap resets every October 1: for injuries from October 1, 2026 through September 30, 2027 it is $1,314 a week, with a $197 minimum.
No TIBs are paid for the first week unless the disability lasts two weeks or longer, and TIBs stop at maximum medical improvement or after 104 weeks. Texas is also the one state where most private employers may opt out of workers' comp, so check that your employer carries coverage.
Texas rates by date of injury
| Injury dates | Weekly maximum | Weekly minimum | Source |
|---|---|---|---|
| 2026-10-01 to 2027-09-30 | $1,314.00 | $197.00 | DWC FY2027 state average weekly wage and benefit rates (summary by Flahive, Ogden & Latson) |
| 2025-10-01 to 2026-09-30 | $1,271.00 | $191.00 | TDI-DWC Maximum and minimum weekly benefits (FY2026) |
| 2024-10-01 to 2025-09-30 | $1,219.00 | $183.00 | TDI-DWC Maximum and minimum weekly benefits (FY2025) |
The rules this calculator applies
| Total disability | Temporary income benefits (TIBs): 70% of the difference between the AWW and post-injury earnings (75% for the first 26 weeks if the employee earned less than $8.50/hour). (Tex. Lab. Code §§408.103, 408.061, 408.062) |
|---|---|
| How long | TIBs end at maximum medical improvement (MMI), or 104 weeks after income benefits begin to accrue. |
| Partial disability | Texas uses the same TIBs formula for partial wage loss: 70% (or 75%) of the difference between the AWW and post-injury earnings. Same TIBs period: ends at MMI or 104 weeks. (Tex. Lab. Code §408.103) |
| Waiting period | 7 days unpaid, paid back if the disability lasts at least 14 days (Tex. Lab. Code §408.082) |
| Rate year | State fiscal year (Oct 1 – Sep 30), by date of injury |
| Agency | Texas Department of Insurance, Division of Workers' Compensation (TDI-DWC) |
Common questions in Texas
What is the Texas workers' comp maximum for 2027?
For injuries between October 1, 2026 and September 30, 2027, TIBs are capped at $1,314 a week and impairment income benefits at $920.
How long do Texas TIBs last?
Until you reach maximum medical improvement, or 104 weeks after income benefits begin to accrue, whichever comes first.
What are the reporting deadlines in Texas?
Tell your employer within 30 days of the injury and file a claim (DWC Form-041) with the Division within one year.
Read the full guide: Texas workers' comp pay explained.