How are benefits calculated?
The insurance company obtains a wage record from an injured employee’s employer. An average weekly wage is then calculated by dividing the total gross wages, including overtime and bonus, by the number of weeks worked by the employee. An injured worker who is unable to work in any capacity is entitled to 60% of this average wage up to a maximum defined by the Department of Industrial Accidents. If an injured worker is partially disabled, subtract the earnings that worker can be expected to make from the average weekly wage and multiply the difference by 60% to get the partial disability rate. This rate, however, cannot exceed 75% of the total disability rate.
