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Workers’ Compensation Law – All 50 States (Basics), Powered by AI

06 Aug, 2025 WorkersCompensation.com

                               
StateCoverage RequirementEmployee EligibilityMedical Provider ChoiceWage Replacement %Death Benefit CapNotes
Alabama5+ employeesEmployees onlyEmployer chooses66 2/3% AWW$6,500 funeral + dependentsFarm/domestic exempt
Alaska1+ employeesEmployees onlyEmployer chooses80% net wageNo set maxBroad coverage
Arizona1+ employeesEmployees onlyEmployer chooses66 2/3% AWW$5,000 funeral + dependentsSelf-insurance allowed
Arkansas3+ employeesEmployees onlyEmployer chooses66 2/3% AWW$6,000 funeral + dependentsFarm/domestic exempt
California1+ employeesEmployees onlyPredesignation allowed, else employer chooses~66 2/3% AWWUp to $320,000 + funeralVery employee-friendly
Colorado1+ employeesEmployees onlyEmployer provides 4 doctors; employee picks66 2/3% AWW$7,000 funeral + dependentsFarm/domestic exempt
Connecticut1+ employeesEmployees onlyEmployer chooses initially, employee may change75% net wage$4,000 funeral + dependentsBroad coverage
Delaware1+ employeesEmployees onlyEmployer/insurer chooses66 2/3% AWW$3,500 funeral + dependentsCovers most workers
Florida4+ employees (1 in construction; 6 in ag)Employees onlyEmployer/insurer chooses66 2/3% AWWUp to $150,000 + $7,500 funeralStrict deadlines
Georgia3+ employeesEmployees onlyEmployer provides panel of 6 doctors66 2/3% AWW$7,500 funeral + dependentsCovers part-time
Hawaii1+ employeesEmployees onlyEmployee chooses66 2/3% AWW$10,000 funeral + dependentsBroad coverage
Idaho1+ employeesEmployees onlyEmployer chooses67% AWW$6,000 funeral + dependentsFarm/domestic exempt
Illinois1+ employeesEmployees onlyEmployee chooses66 2/3% AWW$8,000 funeral + dependentsBroadest coverage
Indiana1+ employeesEmployees onlyEmployer chooses66 2/3% AWW$7,500 funeral + dependentsFarm/domestic exempt
Iowa1+ employeesEmployees onlyEmployee chooses80% spendable earnings$7,500 funeral + dependentsVolunteers covered
Kansas$20,000 payroll thresholdEmployees onlyEmployer chooses66 2/3% AWW$5,000 funeral + dependentsSmall farms exempt
Kentucky1+ employeesEmployees onlyEmployee may choose66 2/3% AWW$7,500 funeral + dependentsFarm/ag exempt
Louisiana1+ employeesEmployees onlyEmployee chooses66 2/3% AWW$8,500 funeral + dependentsCovers minors
Maine1+ employeesEmployees onlyEmployer/insurer chooses80% net wage$4,000 funeral + dependentsFarm workers included
Maryland1+ employeesEmployees onlyEmployer chooses66 2/3% AWW$7,000 funeral + dependentsAg exempt under 3
Massachusetts1+ employeesEmployees onlyEmployee chooses60% gross AWW$4,000 funeral + dependentsWorker-friendly
Michigan1+ employeesEmployees onlyEmployer chooses80% net wage$6,000 funeral + dependentsSelf-insurance allowed
Minnesota1+ employeesEmployees onlyEmployee chooses66 2/3% AWW$15,000 funeral + dependentsFarm/ag included
Mississippi5+ employeesEmployees onlyEmployer chooses66 2/3% AWW$5,000 funeral + dependentsFarm/domestic exempt
Missouri5+ employees (1 in construction)Employees onlyEmployer chooses66 2/3% AWW$5,000 funeral + dependentsFarm/domestic exempt
Montana1+ employeesEmployees onlyEmployer chooses66 2/3% AWW$4,000 funeral + dependentsFarm/domestic exempt
Nebraska1+ employeesEmployees onlyEmployer chooses66 2/3% AWW$10,000 funeral + dependentsMinors covered
Nevada1+ employeesEmployees onlyEmployer chooses66 2/3% AWW$10,000 funeral + dependentsCovers part-time
New Hampshire1+ employeesEmployees onlyEmployee chooses60% AWW$10,000 funeral + dependentsVolunteers covered
New Jersey1+ employeesEmployees onlyEmployer chooses70% AWW$5,000 funeral + dependentsBroad coverage
New Mexico3+ employees (1 in construction)Employees onlyEmployer chooses66 2/3% AWW$7,500 funeral + dependentsFarm/domestic exempt
New York1+ employeesEmployees onlyEmployer chooses from state-certified list66 2/3% AWW$6,000 (metro) / $5,000 (other)Self-insurance allowed
North Carolina3+ employeesEmployees onlyEmployer chooses (employee may appeal)66 2/3% AWW$10,000 funeral + dependentsCovers minors
North Dakota1+ employeesEmployees onlyEmployer chooses66 2/3% AWW$10,000 funeral + dependentsMonopolistic state fund
Ohio1+ employeesEmployees onlyEmployer chooses72% gross (first 12 weeks), then 66 2/3%$5,500 funeral + dependentsMonopolistic state fund
Oklahoma1+ employeesEmployees onlyEmployer chooses70% AWW$10,000 funeral + dependentsFarm/domestic exempt
Oregon1+ employeesEmployees onlyEmployee chooses66 2/3% AWW$5,000 funeral + dependentsState insurer (SAIF)
Pennsylvania1+ employeesEmployees onlyEmployer provides 6-doctor list; employee picks66 2/3% AWW$3,000 funeral + dependentsStrong mediation system
Rhode Island1+ employeesEmployees onlyEmployee chooses75% net wage$3,600 funeral + dependentsCovers minors/apprentices
South Carolina4+ employeesEmployees onlyEmployer chooses66 2/3% AWW$12,000 funeral + dependentsFarm/domestic exempt
South Dakota1+ employees (not mandatory)Employees onlyEmployer chooses66 2/3% AWW$10,000 funeral + dependentsVoluntary coverage
Tennessee5+ employees (1 in construction)Employees onlyEmployer chooses66 2/3% AWW$10,000 funeral + dependentsFarm/domestic exempt
TexasOptional (non-subscriber system)Employees onlyEmployer chooses if covered70% AWW (caps apply)$10,000 funeral + dependentsOnly optional WC system
Utah1+ employeesEmployees onlyEmployer chooses66 2/3% AWW$8,000 funeral + dependentsFarm/domestic exempt
Vermont1+ employeesEmployees onlyEmployee chooses66 2/3% AWW$5,500 funeral + dependentsFarm workers included
Virginia3+ employeesEmployees onlyEmployer provides 3-doctor panel66 2/3% AWW$10,000 funeral + $1,000 transportCovers apprentices
Washington1+ employeesEmployees onlyEmployee chooses from approved network60–75% AWW$7,000 funeral + dependentsMonopolistic state fund
West Virginia1+ employeesEmployees onlyEmployer chooses66 2/3% AWW$7,000 funeral + dependentsState-administered
Wisconsin3+ employees (or $500 payroll in 13 weeks)Employees onlyEmployee chooses66 2/3% AWW$10,000 funeral + dependentsOldest WC law
Wyoming1+ employeesEmployees onlyEmployer chooses66 2/3% AWW$5,000 funeral + $50,000 dependentsMonopolistic state fund

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