Workplace injuries can happen anywhere, but some parts of the country report significantly more workers' compensation claims than others. The reasons vary—from industry makeup and population density to how each state structures its workers’ comp laws. Understanding these "hotspots" can offer insights not only into worker safety trends but also into how systems might better serve injured employees.

If you or someone you love has been hurt on the job, knowing where your state stands can help you anticipate the challenges and benefits you may encounter when filing a claim. This article explains the states that see the most claims, why the numbers vary, and how local laws can shape the outcome of a workers’ compensation case.

What Is a Workers’ Compensation Claim?

Workers’ compensation insurance is used by employers to offer coverage to their employees for wage replacement and medical benefits when they are injured during the course of their employment. By utilizing this system, workers waive their right to sue their employer for negligence.

These claims can cover injuries from one-time accidents or long-term exposure, and benefits may include:

• Medical treatment
• Lost wages
• Vocational rehabilitation
• Permanent or temporary disability benefits

States with the Highest Number of Workers’ Comp Claims

According to national data and reports from the U.S. Bureau of Labor Statistics and the National Academy of Social Insurance, the following states consistently see high volumes of workers’ compensation claims:

1. California

California leads the nation in total number of workers’ comp claims. That’s partly due to its large workforce and diverse industries—from agriculture to construction and entertainment. However, California’s relatively worker-friendly laws and broad coverage also mean more claims are filed and accepted.

2. Texas

Texas is another high-claim state, though it’s unique because private employers can opt out of the workers' compensation system entirely. Those who do participate see high claim volumes due to the state’s robust oil, gas, and industrial sectors.

3. Florida

Florida experiences a high number of claims, particularly in tourism, construction, and healthcare. Its climate also contributes to heat-related injuries, and hurricanes or storms can lead to temporary spikes in work-related injuries.

4. New York

New York sees many workers’ comp filings, especially in sectors like transportation, retail, and healthcare. Urban density increases the likelihood of on-the-job accidents, especially for delivery workers and public employees.

5. Illinois

Illinois stands out for its consistent volume of claims, especially in manufacturing and logistics. The state’s workers’ compensation system is considered moderately favorable to injured workers compared to more conservative states.

Factors That Influence State-by-State Differences in Workers' Comp Claims

Why do some states report higher claim rates than others? Several key factors play a role:

Industry Concentration

States with a higher percentage of physically demanding jobs (construction, agriculture, manufacturing) naturally see more injuries.

Reporting Requirements and Legal Standards

Some states have strict definitions of what counts as a work-related injury, while others are broader. Laws that make filing easier or that cover more conditions typically see higher volumes.

Employer Compliance and Safety Enforcement

States with lower safety oversight or fewer enforcement resources may experience more workplace accidents, resulting in more claims.

Healthcare Costs and Access

States where medical treatment is more accessible or affordable for injured workers may see more claims because employees are more likely to report injuries and seek care.

How Connecticut's Workers' Comp System Compares

Connecticut has a fairly robust workers’ compensation system. The state mandates that all employers carry coverage (with few exceptions) and offers a no-fault system that helps streamline access to benefits.

Connecticut law also includes:

• Temporary Total Disability (TTD) benefits for workers who cannot return to work
• Permanent Partial Disability (PPD) schedules based on the body part affected
• A workers’ compensation commission that helps resolve disputes between workers and insurers

While not among the top five in volume, Connecticut maintains a steady level of claims. The state’s aging workforce and mix of healthcare, manufacturing, and construction jobs contribute to ongoing case filings.

Why It Matters for Injured Workers

Understanding your state’s climate around workers’ compensation can help set expectations. If you live in a high-claim state, insurers may be more scrutinizing. In lower-claim states, workers may face more obstacles or longer delays.

No matter where you are, the key is knowing your rights and acting quickly after an injury. This means reporting your injury immediately, seeking medical care, and contacting a workers’ comp lawyer if there’s any sign of pushback from your employer or insurer.

Call Brandon J. Broderick For Legal Help

Whether you're in a high-claim state or not, workers’ compensation claims can quickly become complicated. At Brandon J. Broderick, Attorney at Law, we’re committed to helping injured workers understand their rights and recover the benefits they deserve.

Our experienced legal team works with clients to build strong claims, navigate disputes, and protect your financial future after a workplace injury. If you’ve been hurt on the job, don’t wait—contact us today for a free consultation.