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Workers’ Compensation Law – Western States

06 Aug, 2025 WorkersCompensation.com

                               
StateCoverage RequirementEmployee EligibilityMedical Provider ChoiceWage Replacement %Death Benefit CapNotes
Alaska1+ employeesEmployees onlyEmployer chooses80% net spendable wageNo max (depends on dependents)Broad coverage
Arizona1+ employeesEmployees onlyEmployer chooses66 2/3% AWWFuneral $5,000 + dependentsSelf-insurance allowed
California1+ employeesEmployees onlyEmployee may predesignate doctor; otherwise employer chooses~66 2/3% AWWUp to $320,000 + funeralVery employee-friendly
Colorado1+ employeesEmployees onlyEmployer provides 4 doctors; employee picks66 2/3% AWWFuneral up to $7,000 + dependentsFarm/domestic exempt
Hawaii1+ employeesEmployees onlyEmployee chooses66 2/3% AWWFuneral up to $10,000 + dependentsBroad coverage
Idaho1+ employeesEmployees onlyEmployer chooses67% AWWFuneral up to $6,000 + dependentsFarm/domestic exempt
Montana1+ employeesEmployees onlyEmployer chooses66 2/3% AWWFuneral up to $4,000 + dependentsFarm/domestic exempt
Nevada1+ employeesEmployees onlyEmployer chooses66 2/3% AWWFuneral up to $10,000 + dependentsCovers part-time
New Mexico3+ employees (construction = 1+)Employees onlyEmployer chooses66 2/3% AWWFuneral up to $7,500 + dependentsFarm/domestic exempt
Oregon1+ employeesEmployees onlyEmployee chooses66 2/3% AWWFuneral up to $5,000 + dependentsState-run insurer (SAIF) available
Utah1+ employeesEmployees onlyEmployer chooses66 2/3% AWWFuneral up to $8,000 + dependentsFarm/domestic exempt
Washington1+ employeesEmployees onlyEmployee chooses from approved network60–75% AWWFuneral up to $7,000 + dependentsMonopolistic state fund
Wyoming1+ employeesEmployees onlyEmployer chooses66 2/3% AWWFuneral up to $5,000 + $50,000 dependentsMonopolistic state fund

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