Temporary Total Disability: Compensation for missing work due to work injury
By Aaron T. Novasic
If you are injured while working, you are entitled to benefits provided under your employer’s Workers Compensation insurance.
One of these benefits include being paid while you are off work due to the injury. This is known as Temporary Total Disability (TTD) If your doctor has declared you unable to work due to a job-related injury for which you are still receiving treatments, you are entitled to TTD.
Calculating TTD payments can be tricky in situations where you just started at a job, you had overtime pay, or if your wages were inconsistent. The law in Illinois states that TTD is calculated based on two-thirds of your average wages. This is calculated based on your last year (52 weeks) of pay at your current job.
This is the right of every worker who is injured on the job. The doctor’s note is very important. If the note says you may return to work at modified duties, such as light duty or with restrictions, the injured worker must let the employer know and the employer has to either accommodate the restrictions or keep them off work full time. If there is no light duty available and the employer chooses to keep the injured worker off work, the TTD checks must still be paid to the worker.
TTD continues to be paid to the injured worker until the worker returns full time or is cleared by the doctor. We call this Maximum Medical Improvement (MMI).
Keep in mind that some insurance companies try to minimize their financial responsibilities and can take advantage of your TTD rates in a way to pay an injured worker less. It is always best to seek legal help to make sure you are receiving the proper compensation for a workplace injury.
If you have questions regarding TDD or other work-related injury matter, contact Gardi, Haught, Fischer & Bhosale Ltd. for guidance by clicking on the free case evaluation button below.