TTD is available if you are injured on the job and unable to work at all. You can also get TTD if your doctor has given you work restrictions, such as limited lifting, but your employer does not have any restricted work available. Work restrictions should be set by your treating physician -- you can't determine the restrictions on your own.
How soon can I get TTD?
You can get TTD after a short waiting period. After missing three workdays, you are eligible to receive TTD. After fourteen days, you will be eligible to receive retroactive compensation for those first three days that you missed work.
How much is TTD?
TTD is 2/3 of the wage you were earning when you were injured. More accurately, it is 2/3 of your average wage, based on the 52 weeks prior to the injury. Sometimes this is easy to calculate, other times it's complicated. If your wages change often or are uncertain, an attorney can help you determine the average. You will receive 2/3 of the average wage while you are unable to work or while your employer is unable to accommodate any restrictions. TTD payments are subject to a statewide maximum and minimum amount, which change often.
When does TTD end?
You are entitled to receive TTD while you are unable to work and receiving medical treatment (or when your employer cannot accommodate your restrictions and you are receiving medical treatment). When your doctor determines that you are at maximum medical improvement (MMI) -- meaning you're as good as you're going to get -- TTD will end.
Are benefits available after TTD ends?
Yes. After your doctor has determined that you are finished with treatment for your injury, the permanency of your injury will be determined. If you are left with a permanent disability and cannot work, or cannot return to the same type of work, you may be eligible for permanent benefits.
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Calculating TTD benefits can be complicated, and you may disagree with the insurance company on the amount you should be receiving. If you have any questions about TTD or other aspects of workers' comp law, call and talk to one of our attorneys, for free.