MMI Settlement Calculator (Impairment Income Benefits)
Estimate the statutory impairment income benefit you may receive after reaching Maximum Medical Improvement, using the Florida workers' comp formula (F.S. 440.15). For injured workers and adjusters comparing benefit figures.
Statutory estimate, not a settlement offer. This calculates Florida statutory impairment income benefits (F.S. 440.15) payable after Maximum Medical Improvement. It is NOT a guaranteed or negotiated settlement, which depends on case-specific facts, future medical costs, attorney negotiation, and approval. Other states use entirely different formulas. Verify the current maximum weekly rate for your year and jurisdiction, and consult a workers' compensation attorney before relying on any figure. This is general information, not legal advice.
Your estimated impairment income benefit
Statutory impairment income benefit only. It excludes future medical, attorney fees, and any negotiated settlement value.
How to use this calculator
- Enter your average weekly wage (AWW). That’s your gross weekly pay before the injury.
- Enter the permanent impairment rating your doctor assigned when you reached Maximum Medical Improvement (MMI). MMI is the point where more treatment is unlikely to improve your condition.
- Check the state maximum weekly compensation rate. Florida’s rate for injuries on or after January 1, 2025 is $1,295. Change it for a different year or state.
- Select Calculate benefits.
- Read your weekly TTD rate, weekly impairment benefit, weeks of benefits, and total.
- Treat the total as a statutory baseline, not a promised settlement. Confirm your numbers with a workers’ compensation attorney.
How it works
This tool runs the Florida statutory formula for impairment income benefits, the wage payments owed after MMI under Florida Statutes section 440.15(3). It does not predict a settlement, which is a separately negotiated lump sum.
The math has three parts. First, your temporary total disability (TTD) rate is 66.67% of your average weekly wage, capped at the state maximum weekly compensation rate. TTD benefits are the wage payments you get while you cannot work and have not yet reached MMI. Second, your weekly impairment benefit is 75% of that TTD rate, per F.S. 440.15(3)(c). Third, your impairment rating sets the number of weeks you’re paid, using a tiered schedule in F.S. 440.15(3)(g).
The week tiers stack as your rating rises. The first 10 rating points pay 2 weeks each. Points 11 through 15 pay 3 weeks each. Points 16 through 20 pay 4 weeks each. Every point above 20 pays 6 weeks each. Your total benefit is the weeks of benefits multiplied by the weekly impairment benefit.
The schedule and rates come straight from the Florida statute and the Florida Chief Financial Officer’s workers’ compensation division. You can read both in the Sources list below.
Examples
If you input a 10% rating and a $1,000 average weekly wage, the tool returns a $10,000.50 total. Your TTD rate is $666.70 (66.67% of $1,000), your weekly impairment benefit is $500.03 (75% of the TTD rate), and a 10% rating pays 20 weeks at 2 weeks per point.
If you input a 15% rating and a $1,200 average weekly wage, the tool returns a $21,001.05 total. The TTD rate is $800.04 and the weekly benefit is $600.03. The weeks cross two tiers: the first 10 points pay 20 weeks and points 11 through 15 pay 15 weeks, for 35 weeks.
If you input a 25% rating and a $2,500 average weekly wage, the tool returns an $82,556.25 total. Here 66.67% of $2,500 is $1,666.75, which is above the cap, so the TTD rate locks at $1,295 and the weekly benefit is $971.25. A 25% rating pays 85 weeks: 20 plus 15 plus 20 plus 30 across the four tiers.
What Maximum Medical Improvement (MMI) actually means
Maximum Medical Improvement, or MMI, is the point at which your treating doctor decides that more treatment is unlikely to improve your condition much (Maximum medical improvement, Wikipedia). Your recovery has reached a plateau. It does not mean you are fully healed; it means the doctor expects no further meaningful gains.
MMI matters because it flips a switch in your case. At MMI your doctor assigns a permanent impairment rating, a percentage that measures lasting loss. Temporary disability payments end, and impairment income benefits begin under Florida Statutes section 440.15(3) (Florida Statutes 440.15).
MMI is a medical judgment, not a court ruling. A doctor decides it, so you can question or dispute it if you disagree. This page is general information, not legal advice. For a decision about your own case, talk to the Florida Division of Workers’ Compensation or a workers’ compensation attorney.
How Florida turns your impairment rating into a dollar figure
Florida law converts your rating into a dollar amount in four steps, all set by section 440.15 (Florida Statutes 440.15).
- Start with your TTD rate. This is 66.67% of your average weekly wage, capped at the state maximum weekly compensation rate.
- Set your weekly impairment benefit at 75% of that TTD rate. Florida pays it every two weeks.
- Count your weeks of benefits using the tiered schedule in subsection (3)(g). The tiers stack as your rating climbs.
- Multiply the weeks by the weekly benefit to get your total impairment income benefit.
Here is how a 15% rating works with a $1,200 average weekly wage. Your TTD rate is 66.67% of $1,200, or $800.04. Your weekly benefit is 75% of that, or $600.03. The weeks cross two tiers: the first 10 points pay 20 weeks, and points 11 through 15 pay 15 weeks, for 35 weeks. Total: 35 weeks times $600.03, or $21,001.05.
Florida impairment benefit weeks by rating tier
The table below shows the cumulative week schedule in F.S. 440.15(3)(g), which applies to accidents on or after October 1, 2003 (Florida Statutes 440.15).
| Rating range | Weeks per point | Total weeks at top of range |
|---|---|---|
| 1% to 10% | 2 weeks | 20 weeks (at 10%) |
| 11% to 15% | 3 weeks | 35 weeks (at 15%) |
| 16% to 20% | 4 weeks | 55 weeks (at 20%) |
| 21% and higher | 6 weeks | 85 weeks (at 25%) |
The tiers are cumulative. A higher rating keeps the weeks from every lower tier and adds more on top, so the weeks rise faster as the rating grows. Accidents before October 1, 2003 used a different schedule, so check your injury date.
Statutory impairment benefits vs. a negotiated settlement
This tool estimates statutory impairment income benefits, a fixed entitlement the law sets under F.S. 440.15 (Florida Statutes 440.15). The number follows the formula and does not depend on bargaining.
A negotiated settlement is a different thing. Under F.S. 440.20(11), you can agree to a lump-sum payment, often releasing the employer and insurer from future indemnity and medical liability. A judge of compensation claims must approve it (Florida Statutes 440.20).
The trade-off comes down to certainty versus closure.
| Lean toward statutory benefits if | Lean toward a settlement if |
|---|---|
| You want the fixed payments the law guarantees | You want one lump sum now |
| You may still need covered medical care | You are ready to close the case |
| You prefer not to release future claims | You accept releasing future indemnity and medical claims |
Neither path is automatically better. This is general information, not legal advice, so weigh the choice with a workers’ compensation attorney.
Temporary disability (TTD/TPD) vs. impairment income benefits
Florida pays a few different indemnity benefits under section 440.15, and they cover different stages (Florida Statutes 440.15).
Temporary total disability (TTD)
TTD pays while you cannot work at all during recovery, before MMI. The rate is 66.67% of your average weekly wage, and Florida limits it to 104 weeks.
Temporary partial disability (TPD)
TPD pays when you go back to work with restrictions and earn less than before. It helps make up part of the wage gap while you are still recovering.
Impairment income benefits (IIB)
IIB begin at MMI, once your doctor assigns a permanent impairment rating. They compensate you for lasting impairment, not for time out of work. This is the benefit this calculator estimates.
The simplest way to keep them straight: TTD and TPD run during recovery, while IIB pick up afterward to pay for permanent impairment.
What the data says
If a doctor put you at MMI, the fear is simple: your benefits are about to stop while you still hurt, and a percentage on a form means nothing to you in dollars. Florida law actually builds your number from that percentage, and the steps are public. Here is the context behind the figure this calculator gives you.
Florida law does not define MMI as the day your checks change. It fixes MMI as a medical milestone, described in the statute itself as:
“the date after which further recovery from, or lasting improvement to, an injury or disease can no longer reasonably be anticipated, based upon reasonable medical probability.”
Florida Statutes s. 440.02(12), in The Florida Senate.
That rating then runs through a formula with a ceiling. For Florida work injuries on or after January 1, 2025, the state sets the maximum weekly compensation rate at $1,295, a $35 increase over 2024, and that cap is the limit this calculator applies to an impairment income benefit (Florida Department of Financial Services). If two-thirds of your average weekly wage is higher than the cap, the cap is what counts.
That cap also reflects a wider trend. Florida’s Insurance Commissioner approved a statewide average rate decrease of 6.9% for 2026, the ninth straight year of decreases in a system that has grown steadily cheaper for employers (Florida Office of Insurance Regulation). The premiums employers pay keep falling, but the benefit schedule for injured workers is set by statute, not by those rates.
Two common worries are worth naming. Many people treat MMI as the moment the money stops, when it is really the milestone where one kind of benefit ends and another begins. And many assume the rating percentage alone decides the payout, when wages, surgery, restrictions, and state law all move the number. This calculator gives you a statutory impairment income benefit estimate, a starting point, not a guaranteed settlement. The rating can be disputed, and a final figure depends on more than the percentage.
What this tool does that others don’t
Many sites labeled settlement calculators give you a dollar range but hide the math, so you can’t reproduce or check the result. This tool shows every step: the TTD rate, the 75% factor, the week tiers, and the total.
It also keeps two different numbers apart. A settlement is a negotiated lump sum. Statutory impairment income benefits are a fixed amount the law sets. Most tools blur the two.
Florida’s official calculator publishes the tiers but skips worked examples. This page walks through how the brackets stack, including a 25% case where the wage exceeds the weekly cap.
Other state calculators use their own rules and rarely warn you that the result won’t carry over. This tool states plainly that the formula is Florida-only.
Frequently asked questions
Is this an MMI settlement amount?
No. This estimates statutory impairment income benefits payable under Florida law after MMI. A settlement is a separately negotiated lump sum that can be higher or lower and may also resolve future medical care. Use this figure as a baseline, not a guaranteed payout.
What does MMI (Maximum Medical Improvement) mean?
MMI is the point at which your doctor decides that more treatment is unlikely to improve your condition much. At MMI your physician assigns a permanent impairment rating, which triggers impairment income benefits in place of temporary disability benefits.
How are the weeks of benefits calculated?
Florida F.S. 440.15(3) uses a cumulative tiered schedule: 2 weeks per point for the first 10 points, 3 weeks per point for points 11 through 15, 4 weeks per point for points 16 through 20, and 6 weeks per point above 20. A 15% rating equals 20 plus 15, or 35 weeks. A 25% rating equals 20 plus 15 plus 20 plus 30, or 85 weeks.
How is the weekly benefit determined?
Your TTD rate is 66.67% of your average weekly wage, capped at the state’s maximum weekly compensation rate. Your weekly impairment benefit is 75% of that TTD rate, per F.S. 440.15(3)(c).
What if I work in a different state?
Other states do not use Florida’s formula. Many use a scheduled-loss approach tied to specific body parts or a percent-of-disability method. This tool reflects the Florida statute only, so check your state’s workers’ compensation code for the right method.
Why is there a cap on the weekly rate?
Florida sets a statutory maximum weekly compensation rate, for example $1,295 for injuries on or after January 1, 2025, that limits the TTD rate no matter how high your wage is. If 66.67% of your average weekly wage is above the cap, the cap is used instead.
Can I still get a lump-sum settlement after MMI?
Often yes. Reaching MMI does not bar a settlement, and many cases settle after MMI once the impairment rating and benefit value are known. A settlement may trade your statutory benefits and future medical care for a single negotiated payment.
Does this include future medical or attorney fees?
No. The estimate covers only impairment income benefits. It does not add future medical costs or subtract attorney contingency fees, which vary by case and agreement.
Sources
- The Florida Senate, Chapter 440 Section 15 (2024 Florida Statutes): impairment income benefits, the 75% rate in (3)(c), the 2/3/4/6 week-per-point schedule in (3)(g), and the 66.67% TTD rate in (2)(a).
- Florida Legislature, Official Statutes 440.15: compensation for disability, including the tiered weeks schedule and the 75% rate.
- Florida Department of Financial Services, Maximum Compensation Rate Bulletin (Dec 6, 2024): the $1,295 maximum weekly rate for injuries on or after January 1, 2025.
- Florida CFO, Maximum Compensation Rate Table: confirms the 2025 rate of $1,295 and the 2024 rate of $1,260.
- Florida CFO, Impairment Income Benefit Calculator: the official calculator using the same statutory method.