Free Maine workers comp calculator. Estimate TTD at 80% of after-tax AWW capped at 90% of SAWW ($1,124.21/week in 2026). 520-week partial disability, WCB rules.
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Maine workers compensation operates under Title 39-A of the Maine Revised Statutes and is administered by the Workers Compensation Board (WCB). Maine uses a distinctive benefit formula: 80 percent of your after-tax average weekly wage, capped at 90 percent of the state average weekly wage. As of July 1, 2026, the Maine SAWW is $1,249.12, making the maximum weekly TTD benefit $1,124.21.
| Rule | Maine (ME) |
|---|---|
| TTD rate | 80% of after-tax AWW (approximately 2/3 of gross) |
| Maximum weekly cap | 90% of SAWW = $1,124.21/week (July 2026) |
| Waiting period | 7-day waiting period; retroactive if disability exceeds 14 days |
| Notice to employer | 60 days to employer; 90 days to WCB |
| Filing deadline | 2 years from date of injury (statute of limitations for filing petition) |
| System type | Exclusive administrative (WCB) |
| Doctor choice | After initial 10 days of treatment, employee may choose own physician |
| PPD / impairment | Partial incapacity benefits limited to 520 weeks; scheduled losses for specific body parts; impairment assessed under 39-A MRSA |
| Settlement approval | WCB approval required; lump-sum settlements reviewed for adequacy |
| Unique rule | Incurable insanity or imbecility is presumed to cause total incapacity; one of the most employee-favorable systems nationally; 90% SAWW cap (not 100%) |
| Governing statute | 39-A MRSA (Maine Workers Compensation Act of 1992) |
| Administering agency | Workers' Compensation Board (WCB) |
SAWW confirmed at $1,249.12 as of July 1, 2026 by the Maine WCB. Max TTD = 90% = $1,124.21. COLA multiplier: 1.04194054.
Maine is widely considered one of the most employee-favorable workers compensation states in the country. The 80-percent after-tax formula, the 520-week partial disability window, and the unique presumption that incurable insanity or imbecility constitutes total incapacity set it apart from every other state in this group.
Enter your average weekly wage to estimate your Maine workers comp TTD benefit and PPD value. This calculator applies the 80% of after-tax AWW (approximately 2/3 of gross) formula from 39-A MRSA (Maine Workers Compensation Act of 1992).
Based on 39-A MRSA (Maine Workers Compensation Act of 1992)
Most states calculate TTD benefits as a percentage of gross average weekly wage (typically 60 to 66.67 percent). Maine takes a different approach: the benefit is 80 percent of your after-tax average weekly wage. Because federal and state taxes typically reduce gross wages by roughly 20 to 25 percent, Maine's 80-percent-of-after-tax formula produces a benefit that is approximately equivalent to 60 to 66 percent of gross wages but is calibrated to more closely reflect the worker's actual take-home pay.
The maximum weekly TTD benefit is capped at 90 percent of the SAWW, not 100 percent as in many other states. As of July 1, 2026, the Maine WCB confirmed the SAWW at $1,249.12, producing a maximum weekly TTD rate of $1,124.21. The current COLA multiplier is 1.04194054, which adjusts benefits for workers on long-term claims.
Maine also has a unique statutory presumption: under 39-A MRSA, incurable insanity or imbecility is presumed to cause total incapacity. This means that a worker who develops a qualifying mental condition as a result of a workplace injury is automatically treated as totally disabled without the need to prove inability to work. No other state in this group has an equivalent provision.
The 520-week limit on partial incapacity benefits (approximately 10 years) provides a longer window than many states. Workers who remain partially disabled beyond 520 weeks may need to pursue total disability status to continue receiving benefits.
Maine evaluates permanent partial disability using a combination of scheduled losses for specific body parts and loss-of-earning-capacity assessments for unscheduled injuries. Scheduled injuries carry a fixed number of weeks of compensation per the statutory schedule.
For unscheduled injuries, the WCB considers the worker's residual earning capacity, age, education, work experience, and the medical impairment rating. Maine does not follow the AMA Guides as strictly as some states; instead, the board considers the practical impact of the injury on the worker's ability to earn wages in available employment.
Lump-sum settlements in Maine require WCB approval. The board reviews the settlement to ensure it is adequate and in the worker's interest. Maine distinguishes between lump-sum settlements that close out all rights and those that preserve ongoing medical benefits.
Because Maine's system is employee-favorable, settlement values can be higher than in states with lower replacement rates or shorter benefit durations. The COLA multiplier means that the present value of future benefits for long-term claims can be substantial, which affects lump-sum negotiation.
As of July 1, 2026, the maximum weekly TTD rate is $1,124.21 per week. This is calculated as 90 percent of the state average weekly wage (SAWW) of $1,249.12, as confirmed by the Maine Workers Compensation Board.
Most states calculate TTD as a percentage of gross wages (typically 60 to 66.67 percent). Maine uses 80 percent of after-tax wages, which more closely matches your actual take-home pay. The net result is roughly similar to other states but is calibrated differently.
You must notify your employer within 60 days and the WCB within 90 days of the injury. You have 2 years from the date of injury to file a formal petition for compensation.
Partial incapacity benefits in Maine are limited to 520 weeks (approximately 10 years). After 520 weeks, you must qualify for total disability to continue receiving weekly benefits. This is one of the longer partial-disability windows in the United States.
For the first 10 days of treatment, the employer or insurer may direct your medical care. After 10 days, you have the right to choose your own treating physician. The insurer pays for reasonable and necessary treatment.
Under 39-A MRSA, if a workplace injury causes incurable insanity or imbecility, the worker is presumed to be totally incapacitated. This means total disability benefits are awarded without the need to separately prove inability to work.
No. SettlementCalculator.xyz is operated by Mustafa Bilgic, a non-attorney individual operator. This page is educational research only. Consult a licensed attorney in Maine for advice about your specific claim.
The current COLA multiplier is 1.04194054 as posted by the Maine WCB. This adjusts benefits annually for workers on long-term claims to account for changes in the cost of living.