How Temporary Total Disability Benefits Work
Workers' compensation benefits paid when an injured worker is completely unable to work for a temporary period while recovering from a work injury.
Understanding Temporary Total Disability (TTD)
TTD benefits typically equal two-thirds of the worker's average weekly wage, subject to state minimum and maximum limits. Benefits continue until the worker returns to work or reaches maximum medical improvement (MMI).
Examples
- 1Worker receiving TTD while recovering from surgery
- 2Benefits paid during rehabilitation period
- 3TTD ending when doctor releases worker to light duty
Related Terms
Workers' Compensation
A state-mandated insurance program providing benefits to employees who suffer work-related injuries or illnesses, regardless of fault.
Maximum Medical Improvement (MMI)
The point in recovery when a worker's condition has stabilized and further medical treatment is unlikely to result in significant improvement.
Independent Medical Examination (IME)
A medical evaluation performed by a doctor who has not previously treated the patient, typically requested by an insurance company or employer to assess the injury claim.
Occupational Disease
An illness or health condition caused by exposure to risk factors in the workplace, as opposed to a sudden traumatic injury.
Qualified Medical Examiner (QME)
A physician certified by the state to conduct independent medical evaluations in workers' compensation cases. QMEs provide objective opinions on injuries, treatment, and disability ratings.
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