What does Indiana pay for lost wages?
Yes, Indiana workers’ comp pays part of your lost wages while a work injury keeps you off work or on lower-paying light duty:
- Off work (TTD): 66 2/3% of your average weekly wage.
- Back at work but earning less (TPD): 66 2/3% of the difference between your average weekly wage and what you earn now.
- Weekly maximum: $878 for injuries from July 1, 2026, through June 30, 2027, per the Board’s benefit chart[2]. Earlier injury dates use earlier maximums.
- The first week: the first seven days are paid only if the disability lasts longer than 21 days.
For worked examples, see how much Indiana workers’ comp pays for lost wages, the current rate chart by injury date, and how your average weekly wage is calculated. The rest of this guide shows how to check that each payment you received matches the weeks it was supposed to cover, so a confusing payment history becomes a specific question the claim administrator or an attorney can investigate.
- Keep the dates being paid separate from the dates money arrived.
- Use a separate row when the reported amount or payment label changes.
- Mark missing information as unknown instead of assuming it means zero.
- Compare the summary with your own records; its official format is not a certification that the figures are correct.
Start with the Summary of Benefits Paid
The Board’s Summary of Benefits Paid[3] has separate fields for average weekly wage, TTD rate, last check date, disability type, total paid, weekly rate, number of weeks and days, and start and end dates. Its instructions say a new period must be reported when the TTD rate or disability type changes.
The form also states: “Numbers are not verified by WCB.” It explains that its data comes from an electronic filing. That is an important limit: the summary tells you what was reported, not that someone at the Board independently checked your bank records or payroll. See the form’s instructions and warning[3].
Our practical suggestion is to gather the summary, the itemized payment history if available, check stubs or remittance notices, and a record of deposits. Keep originals. For a broader filing system, see our work-injury recordkeeping checklist.
Separate the covered period from the deposit date
The summary distinguishes the last check date from the start and end dates of the period being paid. Those are different fields on the official form[3]. In your own ledger, give the arrival date its own column too.
For example, imagine that a single transfer is described in the remittance notice as covering two earlier periods. Record each covered period and identify the shared transfer. Do not count the same transfer twice. If the notice gives no covered dates, write “period not identified” and ask for clarification.
Our worksheet records what the paperwork says. It does not decide whether a payment was timely. For the separate timing rules, use our waiting-period guide. A deposit date alone is not enough to perform that review.
Build a period-by-period payment ledger
The following is our organizational checklist, not a required state form. Use one row for each distinct covered period. Copy the wording and figures from the source document before adding your own notes.
| Ledger field | What to record | Question to flag |
|---|---|---|
| Covered period | Beginning and ending dates shown on the notice | Are any dates repeated or unexplained? |
| Payment label | Copy the code or label exactly as printed | Does the label change between rows? |
| Reported amount and rate | Copy both figures into separate columns | Are you comparing a total with a weekly figure? |
| Arrival record | Date, amount, and reference number for the check or transfer | Which row or rows does this arrival match? |
| Explanation | Attach the notice or message explaining a change | Is an explanation missing or inconsistent? |
| Open question | A short description of the exact mismatch | What document or answer would resolve it? |
Finish by adding the reported amounts and the matched arrivals separately. Keep unmatched items on a separate list; do not silently force the totals to agree. This is a bookkeeping check, not a conclusion about what is legally owed.
The official form’s fields provide the starting point. Our extra arrival-reference and open-question columns are suggested tools for making the comparison easier, not Board instructions. View the original Summary of Benefits Paid[3].
Flag changes without guessing what they mean
The summary’s instructions say an asterisk in the start- and end-date headings indicates nonconsecutive periods reported through a Notice of Suspension. Read the asterisk explanation on the form[3]. Ask for the individual periods and the associated notice instead of recording the entire span between the first and last dates as one continuous payment period.
Indiana’s TPD formula compares average weekly wages with the wages at which the employee is actually employed after the injury. IC 22-3-3-9[1] supplies that rule. When your paperwork switches between TTD and TPD, retain the corresponding pay records and work-status documents so the change can be reviewed in context. This is a records-gathering suggestion, not a determination that either classification is correct in your case.
If the starting wage figure itself appears wrong, use our focused wage-statement review guide. Keep that issue separate from whether a transfer matches a reported period. For the dollar limits, use the separate schedule explainer.
Send a specific question, not just a disputed total
Here is suggested wording you can adapt after checking your records. It is not an official filing or a required legal notice:
“I am comparing the summary with the checks and transfers I received. The attached row identifies the dates and reported amount I cannot match. Please identify which transfer covers that row, provide the itemized history, and explain the difference or send corrected paperwork if appropriate.”
Attach a clearly marked copy of the relevant row and supporting documents, not your entire financial history. Keep a copy of what you send and the response. Ask the recipient how to transmit sensitive records securely.
The Board lists delays and discrepancies in TTD/TPD payments among issues addressed through its informal process, which begins with a completed Request for Assistance. The Board’s informal-dispute guidance[4] explains that process. Our Request for Assistance guide provides more context.
Do not confuse an ordinary question to an adjuster with a formal objection. Under IC 22-3-3-7(e)[5], disagreement with a termination or proposed termination requires written notice to the Board and employer within seven days after receipt of the notice of intent to terminate. If you have that notice, address it promptly; do not wait to finish a spreadsheet. See the separate TTD termination guide.
Frequently asked questions
Does the official summary prove the figures are correct?
No. The Summary of Benefits Paid expressly states that its numbers are not verified by WCB. Compare the reported figures with the underlying records. Read the form’s warning[3].
Is the last check date the same as the covered period?
The form lists the last check date separately from the start and end dates of the period being paid. Keep those fields distinct when reviewing the paperwork. See the official fields[3].
Why might the summary show separate periods?
The form instructs that a new period be reported when the TTD rate or disability type changes. Its asterisk note also identifies nonconsecutive periods. See the reporting instructions[3].
What should I write when I cannot match a transfer?
As a practical bookkeeping step, mark it “unmatched” and record the date, amount, and reference number. Ask for the covered dates before assigning it to a row.
Can the Board help with a payment discrepancy?
The Board lists delays and discrepancies in TTD/TPD payments among issues handled through its informal Request for Assistance process. That process seeks a resolution; it is not a promise of additional money. Read the Board’s explanation[4].
What should I bring to a consultation?
Bring the summary, itemized history if available, notices, matched checks or transfer records, and a short list of unresolved rows. Our suggestion is to organize what you have, clearly mark what is missing, and avoid guessing.
Get help reviewing the records
Delventhal Law Office in Fort Wayne can review the paperwork and help you understand the next step in an Indiana claim. You can request a free case evaluation. A clearly marked payment history lets the discussion begin with the specific issue instead of an unexplained total.
This article provides general information, not legal advice, and reading it does not create an attorney-client relationship.
