Temporary Total Disability Benefits Are Very Important To The Injured Worker
Temporary Total Disability is one of the most common terms. in Workers Compensation.
The acronym is TTD. This level of Workers Comp disability reflects an injury that has rendered the employee completely unable to perform any job functions on a temporary basis. The employee is expected to make a full recovery and return to work. In the interim, compensation paid is usually a percentage of weekly wages until the worker returns to the job.
Each state mandates very specific rules on TTD. The injured employee usually receives a tax-free payment of 2/3 of their pre-tax average weekly wage. There are state-mandated minimums and maximums for this type of benefit. One of the largest tasks facing a Workers’ Comp claims department is paying the weekly benefit checks timely.
Temporary Total Disability usually involves a waiting period. Until the length of TTD reaches a certain length, the waiting period may not be paid.
For example, some states have a waiting period of 7 days that is not payable until after 21 days of TTD. If the state’s workers comp commission determines that the injured employee can never return to work, the benefit type switches from Total Temporary Disability to Permanent Total Disability or PTD
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