TTD in workers’ compensation stands for Temporary Total Disability. It’s when a worker is injured on the job and cannot return to work or do any type of work but is expected to recover soon. A common example of this is when a worker broke a bone or needs surgery. If they are eligible for workers comp, they are entitled to TTD benefits.
For the sake of workers comp benefit computation, work-related disabilities are usually classified into four:
- temporary total disability (TTD)
- temporary partial disability (TPD)
- permanent partial disability (PPD)
- permanent total disability (PTD)
These classifications are mainly used to determine lost wages compensation. It will determine how much lost wages replacement you’re entitled to and how long you’re getting it. In most cases, it won’t have any effect on your medical benefits.
To get a better idea of how they work, let’s first understand how they differ.
Permanent vs. Temporary Disability
This is pretty much self-explanatory. A temporary disability is when an injured worker is expected to fully recover from their injuries. While in permanent disabilities, a full recovery cannot be expected or is virtually impossible.
For example, amputations are usually classified as permanent since it renders a person fully or partly disabled for life. While burns and lacerations are often considered temporary since a person can recover from them.
As a rule of thumb, temporary disability benefits are awarded if you have not yet reached MMI. Once you do, your doctor will review if you’ll qualify for permanent disability benefits.
Total vs. Partial Disability
If your injury renders you incapable of doing your job or any other type of work, then it’s a total disability. But if you can still do other types of jobs, then you can only qualify for partial disability benefits.
If an employee can return to work but earns less than what they were earning before the accident, they’re also eligible for partial disability payments.
How Much TTD Payment Can You Expect?
Workers comp laws vary per state. As such, computation for TTD benefits also tend to vary. But in general, it will depend on your average weekly earnings from before your injury.
In Florida, TTD payments are 66.67% of your average weekly wage before you got injured. So if you are receiving $1,000 a week on average, you’re entitled to $666.70 weekly TTD payments. But the state imposes a maximum amount which differs every year. For 2021, the maximum compensation amount is $1,011. So even if you’re entitled to a TTD benefit of $2,000 a week, you’ll only receive the maximum amount. You can use this TTD benefit calculator to get an estimate of how much you’re entitled to.
Florida statutes also provided that you shall be paid TTD benefits equal to 80% of your average weekly wage if:
- you’ve lost an arm, leg, hand, or foot
- you’ve been rendered paraplegic, paraparetic, quadriplegic, or quadriparetic
- you’ve lost sight in both eyes
What is the Difference Between TTD and TPD?
As mentioned, TTD is for employees who cannot do any type of work. Temporary partial disability (TPD), on the other hand, is for injured workers who can still work but are earning less than their pre-injury wage.
For instance, a worker who underwent major surgery and has to stay in the hospital for weeks may be entitled to TTD benefits. But a worker who hurt his leg may still work in jobs that do not require moving or standing. Thus, they can only claim TPD benefits.
How Long Will You Receive TTD Payments?
TTD payments usually last until you reach maximum medical improvement (MMI). This is the point when you cannot get any better than you already are. In Florida, you used to only be able to receive temporary disability payments for up to 104 weeks but the laws have recently changed. So even if you haven’t reached MMI after 104 weeks, your TTD payments will not stop.
VICTOR MALCA LAW – A TRUSTED NAME IN FLORIDA
Victor Malca P.A. has over 25 years of litigation experience in Workers Compensation and Social Security Disability lawsuits. His experience and continued success in fighting for his clients puts among the most trusted workers’ compensation lawyers in Florida. Our area of expertise is in representing injured workers on compensation benefit cases and disabled individuals claim social security disability benefits.
Our unwavering advocacy for employee rights and privileges are recognized by our past clients across South Florida. Book a free consultation today.
About The Author
Judy Ponio is a writer for Victor Malca Law P.A. and enjoys helping people with questions about social security, workers compensation, and other serious matters involving people’s livelihood. She is not an attorney and her writing should not be considered legal advice.