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Wrongful Death Settlement Calculator

A wrongful death claim is not a personal injury claim brought by somebody else. It is a separate cause of action created by state statute, and it carries its own list of who may sue, its own damage categories, and in most states its own filing deadline. That last point governs this page. It does not tell you how long you have to file, because the deadlines published elsewhere on this site are personal injury deadlines and a wrongful death deadline comes from a different statute. New York allows three years for a personal injury (source: nysenate.gov) and two years for a wrongful death (source: nysenate.gov). Texas allows two years for both, but the wrongful death clock starts on the date of death rather than the date of the injury (source: statutes.capitol.texas.gov). Florida removes the deadline altogether for a death caused by certain intentional acts (source: flsenate.gov). Confirm your deadline with an attorney licensed in the state where the death happened, and do that early rather than late. What this page does instead is set out the categories a wrongful death claim actually recovers, quoted from the statutes that create them, so you can see what a settlement is built from and what proves each part of it. How a contingency fee and case costs come out of any recovery is covered separately by the attorney fees calculator. For the arithmetic used on injury claims rather than death claims, see the personal injury calculator.

Statutory categories

Economic only
Recoverable as its own category in most states, with the invoice
Treatment between the injury and the death
Lost support and services
What the household actually received, not gross salary
Childcare, transport, repairs and similar, at replacement cost
Working life or dependency period, whichever the claim rests on
Future losses are reduced to present value. Florida requires it by statute.

Documented economic loss

Not a settlement estimate
Economic total
$1,040,791
Present value
Past costs
$44,000
Funeral and medical
Future losses
$996,791
$1,340,000 before discounting
Discount applied
$343,209
At 3% a year

This figure covers only the economic categories. It does not include loss of society, companionship, or mental anguish, which the statutes list as recoverable and which are usually the larger part of a death claim. There is no formula for those: they are argued from evidence about your family, so no calculator can produce them honestly. Treat this as the documented floor, not as what the claim is worth, and do not read a filing deadline off this site for a death claim.

Estimate only, not legal advice. The legal rules this calculator applies, each state's statute of limitations, comparative-negligence rule, and damage caps, are taken from official state statutes and US government sources, and every figure is cited inline so you can check it against the original. The multiplier method itself is the industry-standard approach bodily-injury adjusters use internally to set claim reserves, so treat the result as a negotiating benchmark rather than a promise: a real settlement still moves with insurer behavior, the strength of your evidence, and the jurisdiction you file in. Your figures stay on your device. Nothing you type is sent to a server, logged, or shared, and it clears when you close the tab. Take these numbers to a personal-injury attorney licensed in your state before you accept or reject any offer, especially for catastrophic injury or amounts above $50,000.

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  • Methodology cited inline

What is a typical wrongful death settlement?

No government body publishes a wrongful death settlement average, and the law firms that publish ranges do not agree on one. Two market observations, offered as such rather than as data: a California firm's own analysis puts the mean at about 973,000 dollars and the median at about 294,000 dollars, and states plainly that no average accurately captures an individual case (source: victimslawyer.com). Another California firm states there is no average wrongful death settlement amount and that settlements range from hundreds of thousands to millions of dollars (source: gjel.com). The distance between that mean and that median is the useful part of the figure: a small number of very large verdicts pulls the average well above the ordinary outcome, which is the same distortion described in why settlement averages mislead. Treat both numbers as background, not as a forecast of your own claim.

How this calculator builds the number

  1. Work out which claims exist. A wrongful death claim belongs to the survivors and covers their losses. A survival action belongs to the estate and covers the decedent's own losses before death. California keeps them strictly apart: damages in a wrongful death action "may not include damages recoverable under Section 377.34", the survival provision (source: leginfo.legislature.ca.gov).
  2. Work out who is entitled to bring it, because that is statutory and it varies. Texas makes the action "for the exclusive benefit of the surviving spouse, children, and parents of the deceased", and if none of them has started it within three calendar months of the death, the executor or administrator must (source: statutes.capitol.texas.gov). Ohio requires the action to be brought by the personal representative for the same three classes plus other next of kin (source: codes.ohio.gov). New York and Florida both channel the claim through the personal representative (sources: nysenate.gov, flsenate.gov).
  3. Total the financial support the household loses. Ohio calls this "loss of support from the reasonably expected earning capacity of the decedent" (source: codes.ohio.gov). Florida allows lost support and services from the date of injury to the death, plus future loss of support and services from the date of death reduced to present value, weighing the decedent's probable net income available to that particular survivor (source: flsenate.gov). The same wage records and tax returns that drive a wage loss claim are the proof here.
  4. Add the services the decedent performed, separately from the money they earned. Ohio lists "loss of services of the decedent" as its own category (source: codes.ohio.gov). Florida directs that the replacement value of the decedent's services to the survivor may be considered (source: flsenate.gov). Childcare, driving, home maintenance and care for an elderly relative all sit here, and they are valued at what it now costs to buy them.
  5. Add the funeral and burial costs, with the invoice. Ohio allows the reasonable funeral and burial expenses and requires the verdict to set that amount out separately (source: codes.ohio.gov). New York makes the reasonable funeral expenses paid by the distributees a proper element of damage (source: nysenate.gov). Florida allows medical or funeral expenses to be recovered by a survivor who has paid them (source: flsenate.gov). The Federal Trade Commission requires the provider to give an itemised statement of the total cost of the goods and services selected, which is the document to keep (source: consumer.ftc.gov).
  6. Add the medical care between the injury and the death. New York names it directly: the reasonable expenses of medical aid, nursing and attention incident to the injury causing death are a proper element of damage (source: nysenate.gov). In other states this sits in the survival action instead, which is why identifying the claims in step one matters. Care that would have continued had the person lived is a different question, handled by a future care projection.
  7. Add the relationship losses, where the state allows them. Ohio lists loss of the society of the decedent, "including loss of companionship, consortium, care, assistance, attention, protection, advice, guidance, counsel, instruction, training, and education", and separately lists mental anguish (source: codes.ohio.gov). Florida gives the surviving spouse loss of companionship and protection and mental pain and suffering, and gives minor children lost parental companionship, instruction and guidance (source: flsenate.gov). New York, by contrast, measures the award by "pecuniary injuries resulting from the decedent's death" and does not name those categories (source: nysenate.gov).
  8. Check the caps and the deadline against your own state, with an attorney. Do not carry the personal injury deadline from the state pages on this site across to a death claim, and do not assume a cap you have read about applies. Ohio's non-economic cap does not apply to wrongful death actions at all (source: codes.ohio.gov), and California runs a separate, higher malpractice cap for death than for injury (source: leginfo.legislature.ca.gov).

What moves a wrongful death settlement up or down

Which state's statute applies

This is the largest single variable, larger than any fact about the death itself. Five states, five different answers on who may sue. California lets the surviving spouse, domestic partner, children and issue of deceased children sue directly, and adds dependants such as a putative spouse, stepchildren and parents, and a minor who lived in the household for the previous 180 days and depended on the decedent for half or more of their support (source: leginfo.legislature.ca.gov). Texas names only the surviving spouse, children and parents (source: statutes.capitol.texas.gov). Ohio, New York and Florida all require a personal representative to bring it (sources: codes.ohio.gov, nysenate.gov, flsenate.gov). The state rules table covers fault and injury deadlines, not death deadlines.

Whether a survival action runs alongside the death claim

The two claims recover different things from different pockets, and whether both exist is statutory. Texas provides that a personal injury cause of action does not abate on death and survives to the heirs, legal representatives and estate (source: statutes.capitol.texas.gov). Ohio has a general survival provision in a separate chapter of the code and treats wrongful death and survival claims as distinct at settlement (source: codes.ohio.gov). California limits survival damages to the loss the decedent sustained before death and, in the general case, excludes pain, suffering and disfigurement (source: leginfo.legislature.ca.gov). Florida goes the other way and abates the injury action entirely once death results (source: flsenate.gov).

The decedent's earning capacity and who depended on it

Loss of financial support is usually the largest documented number in the file, and it is an economic damage proved with pay records rather than testimony. Ohio measures it against "reasonably expected earning capacity" rather than last year's salary (source: codes.ohio.gov). Florida allows the joint life expectancies of the survivor and the decedent, and the period of minority for healthy minor children, to be considered when computing how long the loss runs (source: flsenate.gov). A young decedent supporting three children and a retired decedent supporting nobody produce very different figures from the same statute.

Whether the state compensates the relationship as well as the money

Some states name the intangible losses and some do not, and this is the clearest split between the statutes. Ohio names loss of society and mental anguish outright (source: codes.ohio.gov). Florida assigns companionship and mental pain and suffering to particular survivors, with the surviving spouse, minor children and parents of a deceased minor child each getting their own subsection (source: flsenate.gov). New York's measure is pecuniary injuries, and its damages section instead names medical aid, nursing, attention and funeral expenses (source: nysenate.gov). These are general damages wherever they are allowed, so they are argued rather than invoiced.

Caps written for death claims specifically

A cap you have read about may not reach a death claim, or may reach it at a different number. Ohio's general non-economic cap section states that it does not apply to wrongful death actions brought under Chapter 2125 (source: codes.ohio.gov). California's malpractice cap runs two separate tracks: 350,000 dollars for a non-death injury rising by 40,000 dollars each January to a ceiling of 750,000 dollars, and 500,000 dollars for wrongful death rising by 50,000 dollars each January to a ceiling of 1,000,000 dollars, with the amount in force at the time of judgment, award or settlement being the one that applies (source: leginfo.legislature.ca.gov).

Whether the conduct supports punitive or exemplary damages

Some states put this in the wrongful death statute itself. Texas allows exemplary as well as actual damages where the death is caused by a wilful act or omission or by gross negligence (source: statutes.capitol.texas.gov). New York allows punitive damages in a wrongful death action for deaths on or after 1 September 1982, if such damages would have been recoverable had the decedent survived (source: nysenate.gov). Neither Ohio's list of compensatory categories nor Florida's damages section provides for them in the same place, so the availability question has to be asked state by state.

Funeral and burial costs, and the invoice behind them

This is the one figure a survivor usually already has. The Federal Trade Commission put the median cost of the average funeral at almost 8,000 dollars in a 2022 staff report, citing a national trade study whose median with a burial vault added was 9,420 dollars, and cautioned that a median of that kind may not reflect prices consumers are actually charged (source: ftc.gov). The Commission also found that fewer than half of the funeral provider websites it reviewed published any price information at all (source: ftc.gov). Use your own itemised statement rather than any median: the funeral provider is required to give you one for the goods and services selected (source: consumer.ftc.gov).

What happens to the money after it is recovered

Two states treat the same recovery in opposite ways depending on which claim it belongs to. Texas provides that damages recovered in a wrongful death action are not subject to the debts of the deceased (source: statutes.capitol.texas.gov). Florida provides that all awards for the decedent's estate are subject to the claims of creditors who have complied with probate law (source: flsenate.gov). Ohio requires the jury or court to divide the award among the beneficiaries, and Texas requires the same apportionment in the verdict (sources: codes.ohio.gov, statutes.capitol.texas.gov). A headline settlement figure is therefore not the same as what any one survivor receives.

Worked examples

Ohio: the statute lists the categories for you

A 42 year old is killed by a negligent driver in Ohio, leaving a spouse and two children under 12. The personal representative brings the action under Chapter 2125.

Ohio's damages provision supplies the checklist directly: loss of support from the reasonably expected earning capacity, loss of services, loss of society including companionship and guidance, loss of prospective inheritance, and the mental anguish of the spouse and children, with the reasonable funeral and burial expenses awarded on top and set out separately in the verdict (source: codes.ohio.gov). The spouse, children and parents are rebuttably presumed to have suffered damages, so the presumption does not have to be built from scratch for them (source: codes.ohio.gov). Ohio's non-economic damage cap does not apply, because the cap section excludes wrongful death actions brought under Chapter 2125 (source: codes.ohio.gov). No total is offered here, because the earning capacity projection and the value placed on the society of a parent are both case specific.

Florida: the same death, but only adult children survive

A 71 year old retiree dies in Florida. There is no surviving spouse. The survivors are two adult children, and the death followed treatment by a hospital.

Florida assigns the categories survivor by survivor rather than pooling them. All children of the decedent may recover for lost parental companionship, instruction and guidance and for mental pain and suffering where there is no surviving spouse (source: flsenate.gov). Then the medical negligence carve out bites: those damages are not recoverable by adult children with respect to claims for medical negligence (source: flsenate.gov). What is left for these survivors is lost support and services if any existed, and medical or funeral expenses recovered by whichever survivor paid them (source: flsenate.gov). The estate's own claim under the same section reaches loss of earnings from injury to death and medical or funeral expenses charged against the estate, but that recovery is subject to the claims of probate creditors (source: flsenate.gov). Same death, very different file, entirely because of who survived and what caused it.

New York against Ohio: identical facts, different damage menu

A 55 year old dies after three weeks in hospital following a collision. Compare how the two states measure the survivors' loss.

New York awards what the fact finder deems fair and just compensation for the pecuniary injuries resulting from the death, and adds, as express elements, the reasonable expenses of medical aid, nursing and attention incident to the injury causing death and the reasonable funeral expenses paid by the distributees, with interest from the date of death (source: nysenate.gov). Ohio, on the same facts, would also reach loss of society and mental anguish, which its statute names outright (source: codes.ohio.gov). The three weeks of hospital care are inside the New York wrongful death claim by name; in Ohio the same bills would ordinarily sit in the survival claim under the general survival provision (source: codes.ohio.gov). The deadline differs too: two years from death in both, but New York gives three years for a personal injury against the same defendant (source: nysenate.gov), which is the kind of split that makes a general answer impossible.

Wrongful death settlement questions

How long do I have to file a wrongful death claim?

This page will not answer that, and you should be careful about any page that does without asking where the death happened. Wrongful death has its own limitations period in most states, set by a different statute from the personal injury deadline that appears on the state pages of this site. New York gives three years for a personal injury (source: nysenate.gov) but two years for a wrongful death (source: nysenate.gov). Texas gives two years for both, yet the wrongful death cause of action accrues on the death of the injured person rather than on the injury (source: statutes.capitol.texas.gov). Ohio puts its two year period inside the wrongful death statute itself (source: codes.ohio.gov). Florida lists wrongful death in its two year category but allows an action for a death caused by certain intentional acts to be commenced at any time (source: flsenate.gov). California is the exception that proves the point, since one sentence covers injury and death together at two years (source: leginfo.legislature.ca.gov). Shorter deadlines can also apply where a government body is involved. Ask an attorney licensed in that state, and ask soon.

What does a wrongful death settlement calculator actually calculate?

It organises the categories, and that is the honest limit of it. One of the law firms whose figures are quoted above argues that wrongful death calculators do not work and are not accurate at estimating a settlement, because the facts that drive value are case specific, and adds that many such tools exist to collect contact details (source: gjel.com). That criticism is fair and this page concedes it. What a categories checklist can do is stop a survivor from leaving a whole statutory head of damage out of the conversation, which is a real risk when the statute names five categories and a claim discusses two.

Who can file a wrongful death claim?

Whoever the state's statute names, which is not always who you would expect. Texas makes the action for the exclusive benefit of the surviving spouse, children and parents, any of whom may bring it for the benefit of all, with the executor or administrator required to bring it if none of them has within three calendar months of the death (source: statutes.capitol.texas.gov). California allows the surviving spouse, domestic partner, children and issue of deceased children, and separately allows dependants including a putative spouse, stepchildren and parents, and a minor who lived in the decedent's household for the previous 180 days and depended on the decedent for half or more of their support (source: leginfo.legislature.ca.gov). Ohio requires the personal representative to bring it for the spouse, children and parents plus other next of kin (source: codes.ohio.gov). New York requires a personal representative of a decedent who is survived by distributees (source: nysenate.gov), and Florida requires the decedent's personal representative (source: flsenate.gov).

What is the difference between a wrongful death claim and a survival action?

A wrongful death claim compensates the survivors for what they lost by the death: financial support, services, and in many states the relationship itself. A survival action carries the claim the decedent already had, so it compensates the estate for what the decedent lost or suffered between the injury and the death. California keeps them separate on the face of the statute, since damages in a wrongful death action may not include damages recoverable under the survival provision (source: leginfo.legislature.ca.gov), and that survival provision limits recovery to the loss the decedent sustained before death and, in the general case, excludes pain, suffering and disfigurement, with a time limited exception for actions filed on or after 1 January 2022 and before 1 January 2026 (source: leginfo.legislature.ca.gov). Texas preserves the survival action for the heirs, legal representatives and estate (source: statutes.capitol.texas.gov). Florida takes the opposite approach: when a personal injury to the decedent results in death, no action for the personal injury survives, and any such pending action abates (source: flsenate.gov).

Are funeral and burial expenses recoverable?

Yes in every state checked here, and they are usually named in the statute rather than implied. Ohio allows the reasonable funeral and burial expenses incurred as a result of the wrongful death and requires the verdict to set that figure out separately (source: codes.ohio.gov). New York makes the reasonable funeral expenses of the decedent paid by the distributees, or which a distributee is responsible for paying, a proper element of damage (source: nysenate.gov). Florida allows medical or funeral expenses due to the injury or death to be recovered by a survivor who has paid them, and separately allows the estate to recover those that became a charge against it (source: flsenate.gov). Keep the itemised statement. The Federal Trade Commission's Funeral Rule requires the provider to give you one covering the goods and services you selected (source: consumer.ftc.gov).

How much should I put in for funeral costs?

Your own invoice, if you have it. If you are working before the bill arrives, the Federal Trade Commission put the median cost of the average funeral at almost 8,000 dollars in an October 2022 staff report, citing a national trade study of an adult funeral with a viewing and burial, and noting that the median with a burial vault added was 9,420 dollars (source: ftc.gov). The Commission also cautioned in the same footnote that a median calculated that way may not reflect the prices consumers are actually charged, so treat it as a placeholder (source: ftc.gov). The Commission's consumer guidance sets out what the bill is made of: a basic services fee for the funeral director and staff, charges for other services and merchandise, and cash advances for items bought from outside vendors (source: consumer.ftc.gov). It also notes that an average casket costs slightly more than 2,000 dollars while some sell for as much as 10,000 dollars (source: consumer.ftc.gov).

Can we recover for grief and the loss of the relationship?

It depends on the state, and this is where the statutes diverge most sharply. Ohio names the loss of the society of the decedent, including companionship, consortium, care, assistance, attention, protection, advice, guidance, counsel, instruction, training and education, and separately names the mental anguish of the surviving spouse, dependent children, parents or next of kin (source: codes.ohio.gov). Florida gives the surviving spouse loss of companionship and protection and mental pain and suffering from the date of injury, and gives minor children lost parental companionship, instruction and guidance (source: flsenate.gov). New York measures the award by the pecuniary injuries resulting from the death and does not name those categories in its damages section (source: nysenate.gov). California's statute sets a general standard rather than a list, allowing damages that under all the circumstances may be just (source: leginfo.legislature.ca.gov).

Is there an average wrongful death settlement?

Not one published by any government body. The figures in circulation come from law firms reporting their own case analyses, which is why they are treated here as market observations. One California firm puts the mean at about 973,000 dollars and the median at about 294,000 dollars, and explains the gap as the effect of a small number of very large verdicts pulling the average up, while stating that no average accurately captures an individual case (source: victimslawyer.com). Another states flatly that there is no average wrongful death settlement amount and that settlements range from hundreds of thousands to millions of dollars (source: gjel.com). Where two sources disagree about whether an average even exists, the sensible reading is that the median is more informative than the mean and that neither predicts a particular claim.

Do damage caps apply to a wrongful death claim?

Sometimes, and often at a different number from the injury cap in the same state, so the cap you have read about may not be the one that applies. Ohio's general limit on non-economic damages in tort actions expressly does not apply to wrongful death actions brought under Chapter 2125 of the Revised Code (source: codes.ohio.gov). California caps non-economic damages in professional negligence claims on two separate tracks: for an action that does not involve wrongful death the figure began at 350,000 dollars and rises by 40,000 dollars each January to a ceiling of 750,000 dollars, while for wrongful death it began at 500,000 dollars and rises by 50,000 dollars each January to a ceiling of 1,000,000 dollars, with the amount in effect at the time of judgment, arbitration award or settlement being the applicable one (source: leginfo.legislature.ca.gov). Economic damages are not capped by that section at all.

Do we need a lawyer for a wrongful death claim?

The deadline question alone is a reason to speak to one, since it comes from a statute this site does not model and getting it wrong ends the claim regardless of its merits. Beyond that, several of the mechanics are procedural rather than factual: three of the five states surveyed here require the action to be brought by a personal representative, which means an estate has to be opened before anyone can sue (sources: codes.ohio.gov, nysenate.gov, flsenate.gov). Texas adds a three month window after which the executor or administrator must bring the action if the named relatives have not (source: statutes.capitol.texas.gov). Ohio and Texas both require the award to be apportioned among the beneficiaries (sources: codes.ohio.gov, statutes.capitol.texas.gov). There is a separate guide on what a lawyer changes about a claim, and on how the fee is calculated in the attorney fee split.

About the editorial team

Research and Editorial Team

The PersonalInjuryCalculator.us editorial team documents how US insurance carriers value personal-injury claims and turns that into plain-English calculators and explainers. Every dollar range, multiplier, filing deadline, and damages cap published here is traced back to a named source. The team is not a law firm and includes no attorneys, so nothing on this site is legal advice. Speak with a licensed attorney in your state for serious or contested cases.

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Sources

  1. California Legislative Information, Code of Civil Procedure 377.60 (who may assert a wrongful death cause of action) Official
  2. California Legislative Information, Code of Civil Procedure 377.61 (damages in a wrongful death action) Official
  3. California Legislative Information, Code of Civil Procedure 377.34 (damages on the decedent's own cause of action) Official
  4. California Legislative Information, Code of Civil Procedure 335.1 (two years for injury or death) Official
  5. California Legislative Information, Civil Code 3333.2 (separate non-economic caps for injury and for wrongful death) Official
  6. Texas Constitution and Statutes, Civil Practice and Remedies Code Chapter 71 (wrongful death and survival) Official
  7. Texas Constitution and Statutes, Civil Practice and Remedies Code Chapter 16 (limitations, including 16.003(b)) Official
  8. New York State Senate, EPTL 5-4.1 (action by personal representative, two years after death) Official
  9. New York State Senate, EPTL 5-4.3 (amount of recovery in a wrongful death action) Official
  10. New York State Senate, CPLR 214 (three years for personal injury) Official
  11. Ohio Laws, Ohio Revised Code 2125.02 (wrongful death parties and damages) Official
  12. Ohio Laws, Ohio Revised Code 2305.21 (survival of actions) Official
  13. Ohio Laws, Ohio Revised Code 2315.18 (non-economic cap, and its wrongful death exclusion) Official
  14. The Florida Senate, Florida Statutes 768.20 (parties, and abatement of the injury action on death) Official
  15. The Florida Senate, Florida Statutes 768.21 (wrongful death damages by survivor) Official
  16. The Florida Senate, Florida Statutes 95.11 (limitations, including wrongful death) Official
  17. Federal Trade Commission, Shopping for Funeral Services Online (FTC staff report, October 2022) Official
  18. Federal Trade Commission Consumer Advice, Funeral Costs and Pricing Checklist Official
  19. Steven M. Sweat, Personal Injury Lawyers, APC, average wrongful death settlement values in California (market observation) Industry estimate
  20. GJEL Accident Attorneys, average wrongful death settlement amount (market observation) Industry estimate

Sources marked Industry estimate are published by law firms or commercial legal publishers. No government body reports what personal injury claims actually settle for, so figures of that kind come from the market rather than from official data. Legal rules on this site trace to statutes and government publishers.

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