Lost Wages and Income Loss Calculator

ANA›Life Services Authority›National Calculator Authority›Lost Wages and Income Loss Calculator

.calc-container { max-width: 640px; margin: 2rem 0; padding: 1.5rem; background: #fff; border: 1px solid #ddd; border-radius: 8px; box-shadow: 0 1px 3px rgba(0,0,0,0.06); font-family: system-ui, -apple-system, sans-serif; } .calc-container h3 { font-family: Georgia, serif; font-size: 1.15rem; color: #1a1a1a; margin-bottom: 1rem; padding-bottom: 0.5rem; border-bottom: 2px solid var(--ac, #3d5a80); } .calc-row { display: flex; align-items: center; gap: 0.75rem; margin-bottom: 0.75rem; flex-wrap: wrap; } .calc-row label { min-width: 160px; font-size: 0.9rem; color: #333; font-weight: 500; } .calc-row input[type="number"], .calc-row select { flex: 1; min-width: 120px; max-width: 200px; padding: 0.5rem 0.6rem; border: 1px solid #ccc; border-radius: 4px; font-size: 0.9rem; font-family: system-ui, sans-serif; color: #1a1a1a; background: #fafaf8; } .calc-row input:focus, .calc-row select:focus { outline: none; border-color: var(--ac, #3d5a80); box-shadow: 0 0 0 2px rgba(26,74,138,0.12); } .calc-row .unit { font-size: 0.82rem; color: #888; min-width: 30px; } .calc-btn { display: inline-block; margin-top: 0.5rem; padding: 0.55rem 1.5rem; background: var(--ac, #3d5a80); color: #fff; border: none; border-radius: 4px; font-size: 0.9rem; font-weight: 600; cursor: pointer; font-family: system-ui, sans-serif; } .calc-btn:hover { opacity: 0.9; } .calc-result { margin-top: 1.25rem; padding: 1rem 1.25rem; background: #f0f6fc; border-left: 3px solid var(--ac, #3d5a80); border-radius: 0 6px 6px 0; display: none; } .calc-result.visible { display: block; } .calc-result-label { font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.06em; color: #666; margin-bottom: 0.25rem; } .calc-result-value { font-size: 1.6rem; font-weight: 700; color: var(--ac, #3d5a80); } .calc-result-detail { font-size: 0.85rem; color: #555; margin-top: 0.5rem; line-height: 1.5; } .calc-note { margin-top: 1rem; font-size: 0.8rem; color: #888; font-style: italic; } .calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0.75rem; margin-top: 0.75rem; } .calc-grid-item { padding: 0.6rem 0.8rem; background: #f8f9fa; border-radius: 4px; border: 1px solid #eee; } .calc-grid-item .label { font-size: 0.75rem; color: #888; text-transform: uppercase; letter-spacing: 0.04em; } .calc-grid-item .value { font-size: 1.1rem; font-weight: 600; color: #1a1a1a; } @media (max-width: 720px) { .calc-row { flex-direction: column; align-items: flex-start; gap: 0.3rem; } .calc-row label { min-width: auto; } .calc-row input[type="number"], .calc-row select { max-width: 100%; width: 100%; } .calc-grid { grid-template-columns: 1fr; } } .calc-chart { margin: 1rem 0; text-align: center; } .calc-chart svg { max-width: 100%; height: auto; } .calc-chart-legend { display: flex; flex-wrap: wrap; justify-content: center; gap: 0.6rem 1.2rem; margin-top: 0.6rem; font-size: 0.8rem; color: #555; } .calc-chart-legend span { display: inline-flex; align-items: center; gap: 0.3rem; } .calc-chart-legend i { display: inline-block; width: 10px; height: 10px; border-radius: 2px; font-style: normal; } .calc-related { max-width: 640px; margin: 2rem 0 1rem; padding: 1.25rem 1.5rem; background: #f8f9fa; border: 1px solid #e8e8e8; border-radius: 8px; } .calc-related h3 { font-family: Georgia, serif; font-size: 1rem; color: #1a1a1a; margin: 0 0 0.75rem; padding-bottom: 0.4rem; border-bottom: 2px solid var(--ac, #3d5a80); } .calc-related-list { list-style: none; padding: 0; margin: 0 0 0.75rem; display: grid; grid-template-columns: 1fr 1fr; gap: 0.4rem 1.5rem; } .calc-related-list li a { font-size: 0.88rem; color: var(--ac, #3d5a80); text-decoration: none; } .calc-related-list li a:hover { text-decoration: underline; } .calc-browse-all { margin: 0.5rem 0 0; font-size: 0.9rem; font-weight: 600; } .calc-browse-all a { color: var(--ac, #3d5a80); text-decoration: none; } .calc-browse-all a:hover { text-decoration: underline; } @media (max-width: 720px) { .calc-related-list { grid-template-columns: 1fr; } }

Lost Wages and Income Loss Calculator

Estimate your total lost wages and income loss due to injury, illness, or accident. This calculator covers past lost wages, future income loss, lost benefits, and self-employment income loss.

Employment Type

Employed (W-2)

Self-Employed / Freelance

Hourly / Part-Time

Annual Gross Salary ($)

Annual Net Self-Employment Income ($)

Lost Business Expenses / Overhead During Absence ($)

Hourly Wage ($)

Hours Worked Per Week

### Past Lost Wages

Total Workdays Missed (Past)

PTO / Sick Days Used (Days)

PTO used is included in lost wages — you lost the benefit of those days.

Partial Capacity Days (Days at Reduced Productivity)

Productivity During Partial Days (%)

Enter how productive you were (e.g. 50% = half capacity). Loss = (100% - this value).

### Future Income Loss

Estimated Future Months Unable to Work (or at Reduced Capacity)

Future Work Capacity (%) — 0% = cannot work at all

Annual Discount Rate for Future Losses (%) (present value)

Typically 2%–5%. Used to convert future losses to today's dollars.

### Lost Benefits

Monthly Health Insurance Value ($)

Employer Retirement Contribution (% of salary/income)

Other Lost Benefits — Annual Value ($) (bonuses, stock, perks)

Calculate Lost Wages

## Results

function losToggleType() { var type = document.querySelector('input[name="los-emp-type"]:checked').value; document.getElementById('los-employed-section').style.display = (type === 'employed') ? '' : 'none'; document.getElementById('los-self-section').style.display = (type === 'self') ? '' : 'none'; document.getElementById('los-hourly-section').style.display = (type === 'hourly') ? '' : 'none'; losCalc(); }

function losVal(id) { var v = parseFloat(document.getElementById(id).value); return isNaN(v) ? 0 : v; }

function losFmt(n) { return '$' + n.toLocaleString('en-US', {minimumFractionDigits: 2, maximumFractionDigits: 2}); }

function losRow(label, value, bold) { var style = bold ? 'font-weight:bold;background:#f0f4f8;' : ''; return '' + '' + label + '' + '' + losFmt(value) + '' + ''; }

function losCalc() { var warnings = []; var type = document.querySelector('input[name="los-emp-type"]:checked').value;

// --- Derive daily and annual income --- var annualIncome = 0; var dailyRate = 0; var WORK_DAYS = 260; // 52 weeks × 5 days

if (type === 'employed') { annualIncome = losVal('los-annual-salary'); if (annualIncome = 100) { warnings.push('Partial-day productivity must be less than 100%.'); partialPct = 0; }

// Full missed days (including PTO — claimant lost the benefit of those days) var pastFullLoss = daysMissed * dailyRate; // Partial days loss var partialLossPct = (100 - partialPct) / 100; var pastPartialLoss = partialDays * dailyRate * partialLossPct; // Self-employed overhead var overheadLoss = (type === 'self') ? losVal('los-business-expenses') : 0;

var totalPastWages = pastFullLoss + pastPartialLoss + overheadLoss;

// --- Future Income Loss (Present Value) --- var futureMonths = losVal('los-future-months'); var futureCapacity = losVal('los-future-capacity'); // % they CAN work; loss = (100 - futureCapacity)% var discountRate = losVal('los-discount-rate') / 100; // annual

if (futureCapacity >= 100) { warnings.push('Future capacity must be less than 100% to have a loss.'); futureCapacity = 0; }

var monthlyIncome = annualIncome / 12; var futureLossPct = (100 - futureCapacity) / 100; var nominalFutureLoss = monthlyIncome * futureMonths * futureLossPct;

// Present Value of future loss using annuity formula: // PV = PMT × [1 - (1 + r/12)^(-n)] / (r/12) where r = annual discount rate, n = months var pvFutureLoss = 0; if (futureMonths > 0) { var monthlyLoss = monthlyIncome * futureLossPct; if (discountRate > 0) { var r = discountRate / 12; var n = futureMonths; pvFutureLoss = monthlyLoss * (1 - Math.pow(1 + r, -n)) / r; } else { pvFutureLoss = nominalFutureLoss; // no discounting } }

// --- Lost Benefits --- var healthMonthly = losVal('los-health-monthly'); var retirementPct = losVal('los-retirement-pct') / 100; var otherBenefits = losVal('los-other-benefits');

// Total months affected = past months + future months var pastMonths = (daysMissed + partialDays) / (WORK_DAYS / 12); // approximate var totalMonthsAffected = pastMonths + futureMonths;

var lostHealth = healthMonthly * totalMonthsAffected; var lostRetirement = annualIncome * retirementPct * (totalMonthsAffected / 12); var lostOther = otherBenefits * (totalMonthsAffected / 12); var totalBenefits = lostHealth + lostRetirement + lostOther;

// --- Grand Total --- var grandTotal = totalPastWages + pvFutureLoss + totalBenefits;

// --- Render --- var rows = ''; rows += 'PAST LOST WAGES'; rows += losRow('Full Days Missed (' + daysMissed + ' days × ' + losFmt(dailyRate) + '/day)', pastFullLoss, false); if (ptoDays > 0) { rows += '' + '↳ Includes ' + ptoDays + ' PTO/sick day(s) — value: ' + losFmt(ptoDays * dailyRate) + ' (PTO used is a compensable loss)'; } rows += losRow('Partial Capacity Days (' + partialDays + ' days × ' + losFmt(dailyRate) + '/day × ' + (100 - partialPct) + '% loss)', pastPartialLoss, false); if (type === 'self') { rows += losRow('Lost Business Overhead / Expenses', overheadLoss, false); } rows += losRow('Subtotal — Past Lost Wages', totalPastWages, true);

rows += 'FUTURE INCOME LOSS (Present Value)'; rows += losRow('Nominal Future Loss (' + futureMonths + ' months × ' + losFmt(monthlyIncome) + '/mo × ' + (100 - futureCapacity) + '% loss)', nominalFutureLoss, false); if (discountRate > 0 && futureMonths > 0) { rows += losRow('Present Value Adjustment (discount rate: ' + (discountRate * 100).toFixed(1) + '%/yr)', pvFutureLoss - nominalFutureLoss, false); } rows += losRow('Subtotal — Future Income Loss (PV)', pvFutureLoss, true);

rows += 'LOST BENEFITS'; rows += losRow('Lost Health Insurance (' + totalMonthsAffected.toFixed(1) + ' months × ' + losFmt(healthMonthly) + '/mo)', lostHealth, false); rows += losRow('Lost Retirement Contributions (' + (retirementPct * 100).toFixed(1) + '% of income)', lostRetirement, false); rows += losRow('Other Lost Benefits (bonuses, stock, perks)', lostOther, false); rows += losRow('Subtotal — Lost Benefits', totalBenefits, true);

document.getElementById('los-result-table').innerHTML = rows; document.getElementById('los-total-box').innerHTML = 'Total Estimated Lost Wages & Income Loss: ' + losFmt(grandTotal) + '';

var warnHtml = ''; if (warnings.length > 0) { warnHtml = '⚠ Notes:' + warnings.map(function(w){ return ''; }).join('') + ''; } if (grandTotal === 0) { warnHtml += 'Enter your income details and time missed to see results.

'; } document.getElementById('los-warning').innerHTML = warnHtml; document.getElementById('los-result').style.display = ''; }

#### Formulas Used

Daily Rate (Salaried/Self-Employed): Daily Rate = Annual Income ÷ 260 working days

Daily Rate (Hourly): Daily Rate = Hourly Wage × Hours Per Week ÷ 5

Past Full-Day Loss: Past Loss = Days Missed × Daily Rate

Partial-Day Loss: Partial Loss = Partial Days × Daily Rate × (1 − Productivity%)

Future Loss — Present Value (Annuity Formula): PV = Monthly Loss × [1 − (1 + r/12)−n] ÷ (r/12) where r = annual discount rate, n = number of future months If discount rate = 0, PV = Monthly Loss × n (no discounting)

Lost Benefits: Lost Health = Monthly Health Value × Total Months Affected Lost Retirement = Annual Income × Employer Contribution% × (Months ÷ 12) Lost Other = Annual Other Benefits × (Months ÷ 12)

Grand Total: Total = Past Lost Wages + PV of Future Loss + Lost Benefits

#### Assumptions & References

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References

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