Free Tool · Built For Illinois Injury Claims

How Much Income Have You Lost?

Lost wages are one of the largest pieces of an injury settlement — and the easiest for insurance to underpay. Total your wages, benefits, and future earning capacity in 2 minutes.

100%
Recoverable in Illinois
3x
Avg Multiplier on Wages
Free
Detailed PDF Report
Step 1 of 5 20% complete

How are you normally paid?

This determines how we calculate your daily and weekly income loss.

Hourly
Paid by the hour, may have overtime
Salary
Fixed annual or biweekly amount
Self-employed / 1099
Contractor, freelancer, business owner
Commission / tips
Variable — based on sales or service

What's your normal income?

Use your best estimate. We'll calculate your daily rate from this.

Paid at 1.5× your regular rate.
Your base pay before bonuses.
Average over the last 2 years if it varies.
From last year's Schedule C or your books — after business expenses, before income tax.
If your business was growing, that growth counts as lost income too.
Total what you earned over the last 12 months and divide by 52.
Include if you reported tips on your W-2 — these still count as wages.

How much work have you missed?

Include any day you couldn't perform full normal duties — even partial days, doctor's appointments, and PT visits.

Half-days, late starts, early outs.
Days you worked but in pain or at reduced output. Counted at 25% of normal.
PTO burned because of the injury is recoverable in Illinois.

What benefits or future income did you lose?

Insurance companies almost never include these unless you fight for them.

Did you lose employer health insurance?Coverage stopped because you couldn't work.
Did you lose 401(k) employer match?Missed contributions while out of work.
Did you miss out on a bonus or promotion?Performance bonus, year-end bonus, raise on hold.
Are you back to work but at reduced capacity?Light duty, fewer hours, lower-paying role.
Will you lose future earning capacity permanently?Doctor said you can't return to your old job long-term.

What does your recovery look like?

Your prognosis affects the future-wage portion of your claim.

Future missed time — leave blank if you're back to full capacity.
Used only if you marked permanent loss of earning capacity above.
Your Estimate Is Ready
Where should we send your lost-wages report?
Enter your name and phone and we'll show your number on the next screen — and David will follow up personally with the detailed report.
Total Documented Lost Income
$ • • • , • • •
Calculated. One step away.

Send my estimate

Free and confidential. We'll text and email your detailed report. No spam, no surprise calls — David personally reviews every submission.

By submitting, you agree to be contacted by Schwaner Injury Law. This estimate is for informational purposes only and does not create an attorney-client relationship. Past results do not guarantee future outcomes.

Want a full case-value estimate including pain & suffering? Try the Case Value Calculator →
Important: This calculator provides an informational estimate of recoverable wage losses based on Illinois injury claim standards. Actual recoverable amounts depend on documentation, the strength of your medical evidence, applicable insurance policy limits, and Illinois comparative fault rules. Past results do not guarantee future outcomes. This tool is attorney advertising and does not create an attorney-client relationship.