If you’ve been injured at work, the Arizona workers’ comp settlement chart provides a clear breakdown of how compensation is determined. It matches each injured body part to the percentage of your average monthly wage (AMW) and the number of months you may receive benefits.
With the 2025 wage cap and benefit rates, it’s possible to estimate realistic payout ranges, from a few thousand dollars for minor injuries to tens of thousands for more severe impairments. This information allows you to approach your workers’ claim in Phoenix with clear expectations and the confidence to secure the benefits you deserve.
How the Arizona Workers’ Comp Settlement Chart Works
A workers’ comp settlement chart in Arizona is a state‑specific guide that shows typical payout amounts for different body parts when permanent injuries occur. It lays out how many months of compensation you may be eligible for, based on impairment percentage. In Arizona, scheduled injuries, such as loss of a thumb or finger, follow a fixed monthly schedule. For unscheduled injuries, like back or shoulder damage, the chart doesn’t apply directly.
The chart helps estimate benefits early on and supports fair negotiations later, giving injured workers a frame of reference when speaking with insurers or adjusting expectations after treatment ends.
Arizona’s 2025 Maximum AMW and What It Means for Your Benefits
In 2025, Arizona’s maximum average monthly wage (AMW) is set at $5,906.55 for injuries sustained from January 1 through December 31, 2025. Temporary disability benefits are paid at two‑thirds of that, which works out to about $3,937.70 per month at most. That cap shapes how the settlement chart calculates payouts: for scheduled body parts, compensation is a percentage of AMW for the prescribed number of months. Even if someone earned more, benefits can’t exceed the capped rate.
Scheduled vs. Unscheduled Injuries in Arizona Workers’ Comp
Arizona separates permanent injuries into two categories. Let’s explore them to see how they can affect your workers’ comp settlement:
Scheduled Injuries
These cover certain body parts listed in A.R.S. § 23‑1044(B), where the law specifies a set number of months of compensation. Monthly pay is based on a percentage of your AMW, depending on your impairment level. If you’re unable to return to your prior job duties because of the injury, the rate increases. Listed scheduled injuries include: thumb, finger, toe, hand, or eye.
Unscheduled Injuries
These involve body parts or combinations not specifically listed in the scheduled chart. Compensation is based on loss of earning capacity (LEC), which considers factors such as age, education, work history, and job limitations.
Typical unscheduled injuries include:
- Back (spinal injuries)
- Neck
- Shoulder
- Hip
- Head injuries, including traumatic brain injury
- Occupational illnesses (e.g., repetitive motion conditions)
- Multiple scheduled injuries combined in one incident
For example, a complete thumb loss is a scheduled injury, providing 15 months of compensation at 55% of the AMW. With the 2025 AMW capped at $5,906.55, the payout is calculated from that limit, and partial losses are reduced proportionally. A shoulder injury is classified as unscheduled, with benefits equal to 55% of the difference between the worker’s AMW and post-injury earnings, determined individually by the Industrial Commission.
2025 Arizona Workers’ Comp Payout Chart
Examining how the numbers align for scheduled and unscheduled injuries provides a clearer understanding of how benefits are calculated under Arizona law.
Scheduled Injuries — 2025 AMW capped at $5,906.55
| Body Part | Months of Compensation | % of AMW | Estimated Payout |
| Thumb (complete loss) | 15 | 55% or up to 75% if unable to return to the job | ~$48,660 (or higher if 75%) |
| Index finger (complete loss) | 9 | 55% | ~$29,280 |
| Middle finger (complete loss) | 7 | 55% | ~$22,760 |
| Ring finger (complete loss) | 5 | 55% | ~$16,270 |
| Little finger (complete loss) | 4 | 55% | ~$13,015 |
| Great toe (complete loss) | 7 | 55% | ~$22,760 |
| Any other toe (complete loss) | 2.5 | 55% | ~$8,110 |
| Major (dominant) hand | 50 | 55% or 75% | ~$162,400 (or more) |
| Minor hand | 40 | 55% | ~$130,400 |
| Major arm | 60 | 55% | ~$195,000 |
| Minor arm | 50 | 55% | ~$162,400 |
| Foot | 40 | 55% | ~$130,400 |
| Leg | 50 | 55% | ~$162,400 |
| Eye (loss of sight without enucleation) | 25 | 55% | ~$204,100 |
| Eye (enucleation or removal) | 30 | 55% | ~$240,000 |
| Hearing (one ear) | 20 | 55% | ~$130,400 |
| Hearing (both ears) | 60 | 55% | ~$390,000 |
| Facial disfigurement or lost teeth | Up to 18 | 55% | Up to ~$117,400 |
These figures come from A.R.S. § 23‑1044(B), which sets payment terms for scheduled impairments. If an injury prevents you from ever returning to your prior job, rates can increase to 75% of AMW instead of 55%.
Unscheduled Injuries — Based on Loss of Earning Capacity (LEC)
Unscheduled injuries are not tied to a set body-part schedule. Instead, benefits are calculated based on how much work ability you’ve permanently lost. Monthly compensation is determined by comparing your prior wage to what you can earn post-injury.
| Injury Type | % of AMW Used | Duration | Notes |
| Permanent partial loss of earning capacity | 55% of wage difference | Until further review or life | Annual income reports are required; benefits can be adjusted |
| Permanent total disability | 66⅔% of AMW | Lifetime | Full disability preventing any future earnings |
Because entitlement is based on medical and vocational evidence, the Industrial Commission reviews each case individually.
READ MORE: Georgia Workers’ Comp Settlement Chart
Other Factors That Can Change Your Arizona Settlement Amount
Even with the chart, actual settlement depends on several other factors. Below are key categories and how each can influence your final recovery.
Medical Costs Past and Future
Expenses for approved treatment, both already incurred and anticipated, affect settlement figures. If future medical care is needed, that must be accounted for in lump‑sum deals.
Attorney Fees and Allowed Deductions
Arizona limits attorney fees to 25% of the permanent disability portion. Other approved costs and expenses may also be deducted from the final payout.
Liens or Subrogation
If another party covered medical bills, those costs may be recovered from your settlement. Resolving liens correctly avoids surprises later.
Tax Considerations and SSDI Offset
Workers’ comp benefits are generally not taxable. However, if you also receive Social Security Disability Insurance, part of those benefits may affect final compensation.
Full‑and‑Final Settlement Risks (SB 1332)
Under SB 1332, once you accept a full and final settlement, you give up future medical and disability benefits related to that injury. Judges may approve settlements even if they’re not in the best interest of the worker. It’s important to review terms carefully and understand the long‑term impact before agreeing.
Get Help Securing Your Arizona Workers’ Comp Settlement
The Arizona workers’ comp settlement chart, along with AMW caps, impairment ratings, medical needs, and legal guidelines, outlines the key factors that shape your compensation. Knowing these details helps set realistic expectations and ensures you’re prepared at every stage of the process.
For more than 35 years, Cruz & Associates has helped injured workers in Phoenix and Georgia secure the benefits they deserve. Our bilingual team provides clear guidance, strong legal representation, and a No Win, No Fee promise so cost is never an obstacle. Call, text, or connect with us on WhatsApp to schedule your free consultation. Hablamos Español.
Atlanta: 404.444.1111
Phoenix: 602.777.6666
