Calculate TTD benefits, permanent disability ratings, and settlement multipliers with institutional precision. Synchronized with 50-state 2026 maximums.
Current Iowa (IA) benefit ceiling
Synchronized with federal wage shifts
Department of Labor protocol aligned
Bureau of Labor Statistics Audit • Benefit Thresholds
| Fiscal Period | Avg. Weekly Max | COLA Adjust. | Status |
|---|---|---|---|
| 2020-2022 | $980 – $1,150 | +3.2% | Verified |
| 2023-2024 | $1,150 – $1,320 | +5.1% | Verified |
| 2025 (Actuarial) | $1,350 – $1,500 | +4.4% | Audited |
| 2026 (Audit) | $1,450 – $1,650 | +3.8% | Current |
Cross-State Compliance Matrix • TTD Algorithms
| Regional Tier | Max Rate Cap | Waiting Period | Grade |
|---|---|---|---|
| Tier 1 (High Cost) | $1,800+ | 3 Days | Premium |
| Tier 2 (Standard) | $1,100 – $1,300 | 3-5 Days | National |
| Tier 3 (Moderate) | $800 – $1,100 | 7 Days | Regional |
| Tier 4 (Minimum) | < $800 | 7 Days | Basic |
Actuarial Computation Engine • SLU Protocol
| Audit Layer | Calculation Logic | Data Source | Precision |
|---|---|---|---|
| TTD Engine | (AWW * 0.6667) ≤ StateMax | Statutory Law | High |
| SLU Multiplier | (Benefit * BodyPartRate) * 1.5 | Schedule B | Actuarial |
| Retrospective Pay | Waiting Period Refund if t > 14d | Administrative | Binary |
In 2026, workers' compensation remains the critical civil defense mechanism for industrial and professional labor. This audit provides technical clarity on the intersection of Temporary Total Disability (TTD) and statutory settlement schedules.
Under the 2026 statutory framework, disability benefits are generally calculated as two-thirds (66.67%) of your Average Weekly Wage (AWW). This AWW is typically derived from your gross earnings in the 52 weeks preceding the injury date. However, this figure is strictly governed by the State Maximum Weekly Benefit, which acts as an institutional cap.
For workers in high-income brackets, the TTD benefit often represents significantly less than two-thirds of their actual take-home pay, necessitating additional supplemental insurance or long-term disability (LTD) coordination.
Once a medical professional determines that a worker has reached **Maximum Medical Improvement (MMI)**, the case shifts from TTD to the PPD phase. At this juncture, a permanent impairment rating (expressed as a percentage) is assigned to the affected body part.
Scheduled Loss of Use (SLU) awards are mathematical. For instance, if an 'Arm' is valued at 312 weeks by statute, and a worker is assigned a 10% impairment, the worker is entitled to 31.2 weeks of benefits at their compensation rate.
A critical friction point in 2026 claims is the selection of physicians. Many jurisdictions utilize **Managed Care Organizations (MCOs)** or **Medical Provider Networks (MPNs)**. In these systems, carriers have substantial influence over the diagnostic pipeline. Understanding your right to a **Qualified Medical Evaluator (QME)** or Independent Medical Audit is essential for securing an accurate impairment rating.
Essential intelligence for 2026 workers' compensation claims
Execute your 2026 workers' comp conversion with statutory accuracy.
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