By Ziv Shay | Updated April 2026
Medical-only claims cover all reasonable and necessary medical treatment related to the workplace injury without lost wages. This applies when a worker is injured but does not miss enough work to qualify for disability benefits (typically does not exceed the waiting period). All states require employers to pay for medical treatment resulting from workplace injuries.
Enter your employment and injury details below for an instant estimate of your workers' comp benefits.
Note: Workers' comp generally covers 100% of reasonable and necessary medical expenses. The medical coverage estimate shown reflects your entered expenses. Actual coverage may be higher if additional treatment is needed.
Any worker who sustains an injury arising out of and in the course of employment is entitled to medical benefits. No minimum disability period is required for medical-only claims.
| State | Max Weekly | Comp Rate | Waiting Period |
|---|---|---|---|
| Iowa | $1,968 | 80% | 3 days |
| Illinois | $1,796 | 67% | 3 days |
| Massachusetts | $1,796 | 60% | 5 days |
| New Hampshire | $1,778 | 60% | 3 days |
| Washington D.C. | $1,648 | 67% | 3 days |
| California | $1,619 | 67% | 3 days |
| Connecticut | $1,573 | 75% | 3 days |
| Washington | $1,472 | 60% | 3 days |
| Alaska | $1,404 | 80% | 3 days |
| Vermont | $1,358 | 67% | 3 days |
The average duration for medical benefits only benefits is approximately 4 weeks. However, this varies significantly based on the severity of the injury, the state where the claim is filed, and individual circumstances.
Many states impose maximum duration limits on certain benefit types. Check your state's specific rules using our calculator above or visit the state-specific page for details.
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