When a workers compensation case has been properly filed, and your injury is considered to be an accident under the Workers Compensation Act, you may be entitled to disability payments.
Temporary Total Disability (TTD) payments are intended for an employee who is injured on the job and is totally disabled for a temporary period of time after the accident. An example of this would be a worker who breaks a bone, has a surgery, or needs therapy, and then is completely unable to work for a certain period of time. The inability to return to work may be because of the severity of the injury or because the treating doctor has not released him or her back to work. It may also be because the injured employee has been released by the doctor to do light-duty work, but there is no light duty work available at the employer. Some examples of light-duty work include restricted lifting, bending, or standing.
TTD compensation (which is sometimes referred to as “comp”) is calculated as 2/3 of the average of what you were earning over the last 52 weeks prior to your injury. Sometimes we can include overtime compensation in your wage calculation as well. In certain cases, this is an easy thing to figure out and in others it's not. These benefits are subject to certain maximum and minimum limits that your workers compensation lawyer can help you determine. The TTD payments eventually end when your treating doctor decides that you’re either all better, or you’re not going to get any better. This is known as Maximum Medical Improvement or MMI.
Temporary Partial Disability (TPD) payments are intended for those employees whose healing progress has reached a point when the worker can perform some light or reduced duty work, whether on a full-time or part-time basis. If this limited duty work pays the employee less than was being paid before, then the employer/ workers compensation insurance company is responsible to pay 2/3 of the difference in pay, according to certain guidelines.
In contrast to TPD, PPD (or Permanent Partial Disability) refers to a worker who has either: 1) permanently lost the partial use of the body as a whole, 2) permanently lost partial or complete use of a part of the body, or 3) permanently lost part of the body, partially or completely. Compensation for PPD differs from case to case and may involve lump sum payments for a schedule injury, wage differential, or disfigurement benefits. It’s important to know that PPD can sometimes be awarded for injuries as simple as a muscle strain.
Lastly, PTD (or Permanent Total Disability) represents the most serious category of workers compensation injuries and refers to a worker that, for all practical purposes, will never be able to work again because of the injuries suffered on the job. PTD can also refer to a worker who has suffered a “specific” total permanent disability in that the worker has suffered a “specific case of loss” or a “permanent and complete loss of use” of both hands, feet, arms, eyes, legs, or any two of these body parts. Although the injured worker may receive weekly payments based on 2/3 of an average weekly wage, these cases are usually settled for a lump sum payment.