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Washington Workers' Compensation Laws

Washington is a monopolistic state fund state — employers must obtain coverage through the Department of Labor & Industries (L&I) or qualify as a certified self-insurer. Private workers' compensation insurance carriers are not permitted. Claims must be filed within 1 year of injury (2 years for occupational diseases). TTD benefits range from 60–75% of monthly wage depending on marital/dependency status.

Last verified: 2026-02-25

Statute of Limitations

1-year claim deadline (2 years for occupational diseases)RCW 51.28.050

Claims must be filed within 1 year from the date of injury. For occupational diseases, the deadline is 2 years from the date the disease becomes manifest.

Key Washington Statutes

Monopolistic State FundTitle 51 RCW

Washington is one of only a few monopolistic workers' compensation states. Employers must obtain coverage through L&I or qualify as certified self-insurers. Private insurance carriers are not permitted.

Employer CoverageRCW 51.12.020

Coverage applies to virtually all workers — full-time, part-time, and seasonal. Corporate officers count unless they file exemptions. Exclusions: sole proprietors with no employees, certain LLC members, domestic servants, commission-only real estate brokers, musicians, entertainers, newspaper carriers, and certain volunteers.

Temporary Total Disability BenefitsRCW 51.32.090

TTD (time-loss) benefits: 60–75% of monthly wage depending on marital and dependency status. Maximum benefit (July 2025–June 2026): $9,516/month (~$2,196/week), equaling 120% of the state average annual wage. Minimum: $1,189.50/month before dependent adjustments.

Official Sources

Not Legal Advice

This page summarizes publicly available statutes and rules for informational purposes only. It does not constitute legal advice, and no attorney-client relationship is created by viewing this content. Laws change — always verify with the primary source or consult a licensed attorney in Washington.

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