How much is an arm injury worth in Florida workers' comp?
In Florida, an arm injury is paid by the whole-person impairment rating your doctor gives (whole-person %, 2–6 weeks per point). A 10% rating at the top weekly rate is worth about $20,370; with a 10% whole-person rating and a $1,200 weekly wage, about $12,000. That is the statutory award for the permanent injury; medical care and benefits while you are off work are paid separately.
How an arm injury is paid in Florida
Florida has no body-part schedule. An injury to the arm is rated as an impairment and paid under the state's general formula: impairment income benefits: 2 weeks per % (1-10%), 3 (11-15%), 4 (16-20%), 6 (21%+) at 75% of the TTD rate.
Florida pays impairment income benefits for 2 weeks per rating point from 1% to 10%, 3 weeks per point from 11% to 15%, 4 from 16% to 20% and 6 above 20%, at 75% of your temporary disability rate (66.67% of your wage, up to $1,358 a week).
What is different in Florida
Florida pays impairment benefits biweekly starting the day after maximum medical improvement (or when temporary benefits run out), and halves them for any week the worker earns at least the pre-injury AWW.
Worked examples
| Rating | $800 weekly wage | $1,200 weekly wage | $1,600 weekly wage |
|---|---|---|---|
| 5% whole-person rating | $4,000 | $6,000 | $8,000 |
| 10% whole-person rating | $8,000 | $12,000 | $16,000 |
| 15% whole-person rating | $14,000 | $21,000 | $28,000 |
| 25% whole-person rating | $34,000 | $51,000 | $68,000 |
Calculate your arm award
Compare only the same benefit component on the same gross basis. If an offer includes medical care, temporary benefits or other rights, do not enter it here. The balance subtracts payments for this same benefit only, not fees or other offsets.
Checking this applies the 50% IIB reduction. If earnings vary by week, calculate those periods separately. Returning to work alone does not trigger the reduction. Official DFS calculator.
The result is the statutory permanent award only. Medical care, temporary benefits and fees are not included. Use the exact rating from the medical report: a body-part rating and a whole-person rating are not interchangeable.
Arm injuries: distinguish arm, hand and whole-person ratings
Ask which anatomical level and rating unit the doctor used. Records of elbow motion, grip, nerve function and lifting restrictions may describe different aspects of the injury. Confirm whether the award uses the arm schedule or a whole-person formula before entering a percentage; do not add overlapping ratings yourself.
Settlement value vs. the statutory award
The statutory benefit described here and a settlement value are different figures. Request an itemized proposal identifying the benefits included, amounts already paid, deductions, future medical treatment and rights being resolved. Which benefits can be settled and what approval is required depend on state rules. This page does not calculate future medical costs or predict a negotiated outcome.
Florida vs. neighboring states
| State | How an arm injury is paid | Max for total loss |
|---|---|---|
| Florida | whole-person %, 2–6 weeks per point | — |
| Alabama | 222 weeks | $48,840 |
| Georgia | 225 weeks | $180,000 |
"Max for total loss" applies to body-part schedules at the top weekly rate. Compare all 50 states and D.C.
While you recover: temporary disability in Florida
Weekly temporary benefits while you cannot work follow these rules:
| Weekly rate | 66.67% of AWW |
|---|---|
| Maximum weekly benefit | $1,358 (2026-01-01 to 2026-12-31) |
| Minimum weekly benefit | $20/week (or actual wage if less) |
| Waiting period | 7 days |
| Waiting days paid back after | 21 days of disability |
| Time limit on temporary benefits | 104 weeks |
Estimate your weekly check
Assumes temporary total disability and no post-injury work earnings. It does not calculate partial disability, retroactive payments, offsets or special low-wage rules. Confirm the injury date and the insurer's wage calculation.
Frequently asked questions
How much is an arm injury worth in Florida workers' comp?
It depends on your doctor's whole-person impairment rating. A 10% rating at the top weekly rate is worth about $20,370; with a 10% whole-person rating and a $1,200 weekly wage, about $12,000.
What is the average workers' comp settlement for an arm injury in Florida?
Florida does not publish an official average settlement. The best benchmark is the statutory award for your rating: with a 10% whole-person rating and a $1,200 weekly wage, about $12,000. A settlement can be higher or lower depending on future medical care, disputed ratings and which other benefits it closes.
What is the maximum weekly workers' comp benefit in Florida in 2026?
The maximum weekly temporary total disability benefit is $1,358 (2026-01-01 to 2026-12-31).
Is there a waiting period in Florida?
Yes. Florida does not pay the first 7 days of lost time, but pays them back once disability lasts more than 21 days.
Which law sets these amounts?
Fla. Stat. §§440.12, 440.15; Fla. Stat. §440.15(3). The official sources are linked at the bottom of this page.
Other injuries in Florida
Law and official sources
Official sources
Statute: Fla. Stat. §§440.12, 440.15; Fla. Stat. §440.15(3)
- Division of Workers' Compensation, Florida Department of Financial Services (official site)
- leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0400-0499/0440/Sections/04
- law.justia.com/codes/florida/title-xxxi/chapter-440/section-440-15/
Figures checked September 30, 2026. Maximums change every year; confirm current figures with the Florida workers' compensation agency.
Estimate only. Your real award depends on your doctor's rating, your wage records, offsets and settlement terms. This page is general information, not legal advice.