Temporary Total/Partial Disability 

Temporary Total Disability (TTD) is a lost wage benefit paid when an injured worker is temporally totally unable to return to work. Benefits are generally paid every 2 weeks.

• The authorized treating health care provider has the responsibility of determining whether or not the injured worker should be taken, or remain, off work. It is not up to the employer, injured worker, attorney or adjustor.
• If an injured worker is taken off of work by an authorized treating health care provider, for more than 7 calendar days, TTD may be owed. The first 7 days are considered to be a waiting period and are not paid unless the worker remains disabled for 28 calendar days of work.
• TTD is calculated by obtaining the pre-injury average weekly wage (AWW) and multiplying it by sixty-six and two-thirds percent. However, the benefit level cannot be higher than 100% of the State Average Weekly Wage, determined each year by the state Department of Labor, nor can it be less than $36.00 a week.
  • AWW is calculated by adding the total pre tax wages paid to the worker during the 26 weeks preceding the injury. If 26 weeks of wages are not available then the average weekly wage is based on the total amount of wages earned during the term of employment, and dividing by the total number of week employed.
  • EXAMPLE: Bob injures his back while lifting a box of supplies. His pre-injury AWW is determined to be $500.00. He is taken off work by Dr. Smith for at least 4 weeks. Bob's weekly TTD rate is $333.35 ($500.00 x 66.67%)
• Benefits may be stopped if you fail to comply with prescribed therapies or doctor's orders, fail to keep medical appointments, or refuse to return to work at a physician-approved modified job that your employer has made available to you.
• TTD benefits cease when the employer makes a job offer at pre-injury wages or maximum medical improvement (MMI) is reached.
  • MMI is reached when a condition is stable and unlikely to change substantially in the next year. Although over time there may be some change, further deterioration or change is not expected.

  Temporary Partial Disability (TPD) is paid when an injured worker has not yet reached MMI, but is able to return to work in a different capacity or on a part time basis at a reduced rate of pay.

  TPD is calculated by subtracting the amount paid by the insured from the AWW. Sixty-six and two-thirds percent of the difference is owed as TPD.

  • EXAMPLE: Bob is released to return to work with no lifting over 25#. The employer is able to accommodate the restrictions, but only for 20 hours a week. Bob will be paid $250 a week working light duty. TPD will be paid at a weekly rate of $166.68 ($500 - $250 = $250 x 66.67% = $166.68).
  • To calculate TPD the claims adjuster must be provided with a copy of the injured worker's check stub. This can be provided either by the employer or the employee. Faxing the check stub will help the adjuster to process the TPD check the fastest.