This tool helps you calculate claim exposure (a planning estimate) by totaling potential wage benefits over time. You'll enter periods where you were totally off work (TTD) and periods where you worked but earned less (TPD).
- • Planning estimate only — not a settlement quote
- • Built for employees, adjusters, and practitioners
- • Download a PDF or spreadsheet receipt
Rates verified through 2025-10-01. Reviewed by Dan Swenson, Minnesota workers' comp attorney.
Rates verified through: 2025-10-01
Calculate Claim Exposure
Enter your DOI and AWW, then add time periods (TTD/TPD). We’ll total to-date exposure and future estimated exposure.
Basics
Your date of injury determines which benefit rates apply.
Gross (before taxes) weekly pay. Not sure? Calculate your AWW.
To-date exposure
If you have a hearing scheduled, enter the date. We'll calculate to-date exposure through the hearing plus 60 days for a written decision.
Usually today, or your hearing date if you're estimating through a hearing.
Tip: Benefits often switch back and forth (TTD → TPD → TTD). Add a row each time your work status changes.
Future estimated exposure
Pick a future date to estimate through (for example, a likely settlement/close-out date).
Understanding MMI (Maximum Medical Improvement)
MMI means you have recovered as much as you're going to. After MMI, you may still have some permanent impairment, but active treatment is over.
Answer these to estimate your MMI timing:
This helps estimate how long TTD or TPD will continue.
PPD (Permanent Partial Disability)
Your doctor or an IME assigns a disability rating as a percentage of the whole body. Estimate lumbar PPD rating.
Medical reserve / QRC closeout
Estimate of future medical costs the insurer would be buying out.
Amount to close out rehabilitation/QRC services.
Offsets: STD, LTD, SSDI
How offsets work
SSDI offsets work both ways depending on the type of benefit:
- For TTD/TPD: SSDI may offset (reduce) your workers' comp check.
- For PTD: The offset is applied after the $25,000 threshold.
STD and LTD are private insurance benefits and are handled separately from the workers' comp system, but knowing the amounts helps understand overall income.
Offsets are shown for reference only and are not subtracted from the exposure total, because offset rules depend on your specific situation.
Earning capacity (future TPD estimator)
If you're working at reduced wages (TPD), this tool can help estimate your future earning capacity based on your background.
This calculator is for informational purposes only and does not constitute legal advice. Results are estimates based on Minnesota workers' compensation law as of the rates shown. Consult a qualified attorney for advice specific to your situation.
How to use exposure
Exposure is a way to model the size of the wage-benefit piece of a claim over time. It can help you understand what benefits could add up to if TPD continues, or if you go back on TTD again. It does not predict what an insurer will offer in settlement.