Disability Rating Value Calculator

Convert impairment rating to settlement value based on lost earning capacity.

Legal Disclaimer

This calculator provides general estimates only and does not constitute legal advice. Laws, regulations, and court procedures vary significantly by jurisdiction. Consult a licensed attorney in your area for advice specific to your situation.

Inputs

Whole Person Impairment %

Pre-Injury Annual Earnings

Current Age

Expected Retirement Age

Discount Rate

State Adjustment Multiplier

Tab to move between fields

Results

Estimated Settlement Value

$178,688.56

≈ 12 used cars

PV Lost Earnings

$178,688.56

≈ 12 used cars

Annual Impairment Value$9,750.00

Per Percentage Point$11,912.57

Remaining Work Years27 years

How to Use This Calculator

Enter Disability Rating % from a medical evaluation or workers' compensation assessment.
Set Pre-Injury Weekly Wage and the applicable state compensation rate.
Enter Duration Weeks based on your state's scheduled loss table.
Review Total Disability Value for the permanent partial disability award.
Compare against lost earning capacity over your remaining work life for severe disabilities.
Permanent total disability calculations differ — consult a workers' comp attorney for complex cases.

How the result changes with Expected Retirement Age

Expected Retirement Age	Estimated Settlement Value	PV Lost Earnings
53	$103,690.81	$103,690.81
61	$150,296.49	$150,296.49
70	$191,104.30	$191,104.30
77	$216,130.55	$216,130.55

What each input means

Whole Person Impairment %: AMA whole person impairment rating percentage.
Pre-Injury Annual Earnings: Annual earnings before the injury.
Current Age: Your current age.
Expected Retirement Age: Expected retirement age for earning capacity calculation.
Discount Rate: Discount rate for present value calculation.
State Adjustment Multiplier: State-specific multiplier for impairment values.

How this is calculated

Worked example, using the default values

Identify Input Parameters
4 parameters
Whole Person Impairment % = 15, Pre-Injury Annual Earnings = 65000, Current Age = 40, Expected Retirement Age = 67 = 6 input(s) provided
Calculate Estimated Settlement Value
Estimated Settlement Value
178688.56 = $178,688.56
Calculate PV Lost Earnings
PV Lost Earnings
178688.56 = $178,688.56
Calculate Annual Impairment Value
Annual Impairment Value
9750 = $9,750
Calculate Per Percentage Point
Per Percentage Point
11912.57 = $11,912.57

Engine last updated July 28, 2026. Checked against 1 independently-derived test — how we verify calculators.

The questions that sit next to this one — chosen by subject, including calculators filed under a different category.

Personal Injury

Personal Injury Settlement Calculator

Estimate personal injury settlement value using the multiplier method.

Personal Injury

Lost Wage Calculator

Calculate total lost earnings from injury including full days, reduced schedule, and benefits.

Physical Therapy

Disability Rating Calculator

Calculate combined whole person impairment (WPI) using the AMA Guides Combined Values formula for upper extremity, lower extremity, and spine impairments.

Business Insurance