Social Insurance and Truncated Benefits: Measuring the Impacts of Workers' Compensation

Table 5

Replacement ratios*.

State	1940	1950	1960	1970	1980	1990
Temporary total disability replacement ratios: 𝜃𝑠
Alabama	0.55	0.65	0.65	0.65	0.67	0.67
Alaska	—	—	0.65	0.65	0.67	0.80
Arizona	0.65	0.65	0.65	0.65	0.67	0.67
Arkansas	—	0.65	0.65	0.65	0.67	0.67
California	0.65	0.65	0.6175	0.6175	0.67	0.67
Colorado	0.50	0.50	0.67	0.67	0.67	0.67
Connecticut	0.50	0.50	0.60	0.67	0.67	0.67
Delaware	0.50	0.60	0.67	0.67	0.67	0.67
District of Columbia	—	0.67	0.67	0.67	0.67	0.67
Florida	0.60	0.60	0.60	0.60	0.67	0.67
Georgia	0.50	0.50	0.60	0.60	0.67	0.67
Hawaii	—	—	0.67	0.67	0.67	0.67
Idaho	0.70	0.60	0.60	0.60	0.60	0.60
Illinois	0.60	0.65	—	—	0.67	0.67
Indiana	0.55	0.55	0.60	0.60	0.67	0.67
Iowa	0.60	0.60	0.67	0.67	0.80	0.80
Kansas	0.60	0.60	0.60	0.60	0.67	0.67
Kentucky	0.65	0.65	0.65	0.67	0.67	0.67
Louisiana	0.65	0.65	0.65	0.65	0.67	0.67
Maine	0.67	0.67	0.67	0.67	0.67	0.67
Maryland	0.67	0.67	0.67	0.67	0.67	0.67
Massachusetts	0.67	0.67	0.67	0.67	0.67	0.67
Michigan	0.67	0.67	0.67	0.67	0.67	0.80
Minnesota	0.67	0.67	0.67	0.67	0.67	0.67
Mississippi	—	0.67	0.67	0.67	0.67	0.67
Missouri	0.67	0.67	0.67	0.67	0.67	0.67
Montana	0.60	0.67	0.67	0.67	0.67	0.67
Value of 𝜃𝑠 for each year
Nebraska	0.67	0.67	0.67	0.67	0.67	0.67
Nevada	0.60	0.70	0.90	0.90	0.67	0.67
New Hampshire	0.50	0.67	0.67	0.67	0.67	0.67
New Jersey	0.67	0.67	0.67	—	0.70	0.70
New Mexico	0.50	0.60	0.60	0.60	0.67	0.72
New York	0.67	0.67	0.67	0.67	0.67	0.67
North Carolina	0.60	0.60	0.60	0.60	0.67	0.67
North Dakota	0.67	0.67	0.80	0.80	0.67	0.67
Ohio	0.67	0.67	0.67	0.67	0.72	0.67
Oklahoma	0.67	0.67	0.67	0.67	0.67	0.67
Oregon	0.58	—	—	0.90	0.67	0.67
Pennsylvania	0.67	0.67	0.67	0.67	0.67	0.67
Rhode Island	0.50	0.60	0.60	0.60	0.67	0.67
South Carolina	0.60	0.60	0.60	0.60	0.67	0.67
South Dakota	0.55	0.55	0.55	0.55	0.67	0.67
Tennessee	0.50	0.60	0.65	0.65	0.67	0.67
Texas	0.60	0.60	0.60	0.60	0.67	0.67
Utah	0.60	0.60	0.60	0.60	0.67	0.67
Vermont	0.50	0.50	0.67	0.67	0.67	0.67
Virginia	0.55	0.55	0.60	0.60	0.67	0.67
Washington	0.60	—	—	—	0.60	0.60
West Virginia	0.67	0.67	0.67	0.67	0.70	0.70
Wisconsin	0.65	0.70	0.70	0.70	0.67	0.67
Wyoming	1.00	—	—	0.67	0.67	0.67

* — denote either state does not have workers’ compensation benefits in that year or the replacement ratio is not made explicit within the law.
Proportions are the maximum allowed by state law for workers with dependents. In some cases workers will receive benefits based on a lower percentage if they are unmarried or have no dependent children.