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Temporary Workers Comp Benefits – NCCI Drills Down


Temporary Workers Comp Benefits – TTD and TPD Analyzed by NCCI

Follow along for a great NCCI analysis of Temporary Workers Comp benefits. See the correction below from NCCI.

NCCI has published many studies recently including wearable technology. It also released its Atlas versions of various manuals.  While researching those studies, I came across a great study of TTD (Total Temporary Disability) and TPD (Temporary Partial Disability).  Download the PDF version here. Yes, it is worth your time and it costs nothing for the report.

From NCCI- Data Limitation (Still Valid Data)

This brief utilizes data as reported in NCCI’s Indemnity Data Call (IDC), which has more detailed benefit payment information than previously available data sources but is currently limited in claim maturity. As such, this study evaluates TD duration as of 12 months. For context, at the 12-month maturity, 96.7% of all TD claims have gone more than seven days without receiving a benefit payment, indicating that a significant share of TD claimants have returned to work or are receiving permanent disability benefits within 12 months of the accident date.


The data limitation does not seem that important to me.  The Indemnity Data Calls are going to provide a wealth of data in future years.

Example – Temporary Workers Comp Benefits By Industry Type

As expected, the Construction-based industries have the highest temporary workers comp disability payment durations.  The dotted line represents the average duration, according to the study.   Did you notice something unusual here?  The healthcare industry had the lowest duration.  I am not drawing any conclusion here other than mentioning that sector post-pandemic.

Correction – From Cristine Pike, NCCI Communications Director

The 96.7% refers to the percentage of claims that have NOT received a benefit payment in the last 7 days one year from the accident/claims that receive TD benefits.

So that means 3.3% of claims have received a temporary benefits payment in the last week one year from the date of the accident.   Christine emailed me the article correction a few minutes ago.   The stat is still surprising even if it is not “the other side of the coin.”   So that is my once-per-year mistake. 🙂   Sorry to publish anything misleading or inaccurate.


graphic of temporary workers comp disability benefits by industry
(c) NCCI, Boca Raton, FL


James J Moore - Workers Comp Expert

Raleigh, NC, United States

About The Author...

James founded a Workers’ Compensation consulting firm, J&L Risk Management Consultants, Inc. in 1996. J&L’s mission is to reduce our clients’ Workers Compensation premiums by using time-tested techniques. J&L’s claims, premium, reserve and Experience Mod reviews have saved employers over $9.8 million in earned premiums over the last three years. J&L has saved numerous companies from bankruptcy proceedings as a result of insurance overpayments.

James has over 27 years of experience in insurance claims, audit, and underwriting, specializing in Workers’ Compensation. He has supervised, and managed the administration of Workers’ Compensation claims, and underwriting in over 45 states. His professional experience includes being the Director of Risk Management for the North Carolina School Boards Association. He created a very successful Workers’ Compensation Injury Rehabilitation Unit for school personnel.

James’s educational background, which centered on computer technology, culminated in earning a Masters of Business Administration (MBA); an Associate in Claims designation (AIC); and an Associate in Risk Management designation (ARM). He is a Chartered Financial Consultant (ChFC) and a licensed financial advisor. The NC Department of Insurance has certified him as an insurance instructor. He also possesses a Bachelors’ Degree in Actuarial Science.

LexisNexis has twice recognized his blog as one of the Top 25 Blogs on Workers’ Compensation. J&L has been listed in AM Best’s Preferred Providers Directory for Insurance Experts – Workers Compensation for over eight years. He recently won the prestigious Baucom Shine Lifetime Achievement Award for his volunteer contributions to the area of risk management and safety. James was recently named as an instructor for the prestigious Insurance Academy.

James is on the Board of Directors and Treasurer of the North Carolina Mid-State Safety Council. He has published two manuals on Workers’ Compensation and three different claims processing manuals. He has also written and has been quoted in numerous articles on reducing Workers’ Compensation costs for public and private employers. James publishes a weekly newsletter with 7,000 readers.

He currently possess press credentials and am invited to various national Workers Compensation conferences as a reporter.

James’s articles or interviews on Workers’ Compensation have appeared in the following publications or websites:

  • Risk and Insurance Management Society (RIMS)
  • Entrepreneur Magazine
  • Bloomberg Business News
  • WorkCompCentral.com
  • Claims Magazine
  • Risk & Insurance Magazine
  • Insurance Journal
  • Workers Compensation.com
  • LinkedIn, Twitter, Facebook and other social media sites
  • Various trade publications


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