When a worker in Georgia gets hurt on the job, one of the biggest concerns is how to cover lost income during recovery. The State Board of Workers’ Compensation (SBWC) uses a set formula to calculate how much an injured worker can receive in wage replacement benefits.
Average weekly wage sets the foundation
The SBWC starts by determining the worker’s average weekly wage (AWW). This is usually based on earnings from the 13 weeks before the injury. The calculation includes regular pay, overtime, bonuses, and even certain allowances if they were part of normal pay. If a worker didn’t work all 13 weeks, the Board may use the earnings of a similar employee to determine a fair amount.
The compensation rate and benefit limits
For workers’ compensation, the lost wages rate equals two-thirds of the AWW, up to the state’s maximum weekly limit. For example, as of 2025, the maximum weekly benefit for temporary total disability is $800. So, even if a worker earned more, their benefit can’t exceed that limit. Those earning less will receive two-thirds of their average weekly wage.
Different benefits for different situations
State rules and regulations recognize several types of disability benefits. If the injury prevents all work, the employee may qualify for temporary total disability (TTD) benefits. If the worker can return to a lower-paying position during recovery, temporary partial disability (TPD) benefits may apply, covering a portion of the wage difference. Permanent partial disability (PPD) applies if the injury leads to lasting impairment after recovery.
Staying informed matters
Understanding how lost wages are calculated helps injured workers plan for recovery and financial stability. While the system aims for fairness, details like accurate wage reporting and medical documentation play a key role in ensuring the right benefit amount.