How much is a thumb injury worth in Indiana workers' comp?
Indiana pays a scheduled permanent partial disability award for a thumb injury: the law sets total loss at 12 degrees.
How a thumb injury is paid in Indiana
Indiana pays a set amount per degree of impairment for injuries after June 30, 2026: $1,970 for degrees 1–10, $2,197 for 11–35, $3,585 for 36–50 and $4,569 for 51 and up.
What is different in Indiana
Indiana does not pay PPD in weeks: each degree of impairment has a fixed dollar value, and higher-degree bands pay more per degree. Total loss of use of a member counts the same as amputation.
Worked examples
In Indiana this award does not depend on your wage.
| Rating | Award |
|---|---|
| 10% loss of use | $2,364 |
| 25% loss of use | $5,910 |
| 50% loss of use | $11,820 |
| 100% loss of use | $24,094 |
Calculate your thumb award
Settlement value vs. the statutory award
The figures on this page are what Indiana law sets. Many claims end in a negotiated settlement instead. Insurers usually start from the statutory award for your rating, then adjust for disputed ratings, future medical care, how long wage-loss benefits could run and the risk of a hearing. Knowing the statutory number for a thumb injury helps you judge whether an offer is low.
Indiana vs. neighboring states
| State | How a thumb injury is paid | Max for total loss |
|---|---|---|
| Indiana | 12 degrees | $24,094 |
| Illinois | 76 weeks | $82,434 |
| Kentucky | impairment rating (see rule) | — |
| Michigan | 65 weeks | $78,065 |
| Ohio | 60 weeks | $76,860 |
"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 Indiana
Weekly temporary benefits while you cannot work follow these rules:
| Weekly rate | 66.67% of AWW |
|---|---|
| Maximum weekly benefit | $877.33 (Injuries 2026-07-01 to 2027-06-30 (max AWW $1,316); for 2025-07-01 to 2026-06-30: max AWW $1,278 -> $852) |
| Minimum weekly benefit | AWW floor $75 -> $50/week (computed) |
| Waiting period | 7 days |
| Waiting days paid back after | 21 days of disability |
| Time limit on temporary benefits | 500 weeks |
Estimate your weekly check
Frequently asked questions
How much is a thumb injury worth in Indiana workers' comp?
Indiana schedules 12 degrees for total loss, up to $24,094 at the top weekly rate. A partial loss is paid as a share of that, based on your doctor's rating and your wage.
What is the average workers' comp settlement for a thumb injury in Indiana?
Indiana does not publish an official average. The best benchmark is the statutory award for your rating: for example, a 25% loss of use at a $1,200 weekly wage works out to about $5,910. Settlements move up or down from there.
What is the maximum weekly workers' comp benefit in Indiana in 2026?
The maximum weekly temporary total disability benefit is $877.33 (Injuries 2026-07-01 to 2027-06-30 (max AWW $1,316); for 2025-07-01 to 2026-06-30: max AWW $1,278 -> $852).
Is there a waiting period in Indiana?
Yes. Indiana 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?
IC 22-3-3-7 (waiting period), 22-3-3-8 (TTD), 22-3-3-10 (PPI degrees and $/degree), 22-3-3-22 / 22-3-7-19 (max AWW, max total $439,000). The official sources are linked at the bottom of this page.
Other injuries in Indiana
Law and official sources
Official sources
Statute: IC 22-3-3-7 (waiting period), 22-3-3-8 (TTD), 22-3-3-10 (PPI degrees and $/degree), 22-3-3-22 / 22-3-7-19 (max AWW, max total $439,000); IC 22-3-3-10
- Worker's Compensation Board of Indiana (official site)
- law.justia.com/codes/indiana/title-22/article-3/chapter-7/section-22-3-7-19/
- law.justia.com/codes/indiana/title-22/article-3/chapter-3/section-22-3-3-8/
- law.justia.com/codes/indiana/title-22/article-3/chapter-3/section-22-3-3-7
- codes.findlaw.com/in/title-22-labor-and-safety/in-code-sect-22-3-3-10.html
- law.justia.com/codes/indiana/title-22/article-3/chapter-3/section-22-3-3-10/
Figures checked September 30, 2026. Maximums change every year; confirm current figures with the Indiana 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.