Workers' Compensation Laws in Washington.

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.

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.

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.