When you’re injured on the job, there are lots of details to handle. You need medical treatment, but you also need to figure out how to pay bills.
You assume workers’ compensation will help with your income, but how does it work?
Workers’ compensation can be complicated, and it’s best to hire an attorney who will look out for your interests. One thing our Minnesota workers’ comp lawyers at Arechigo & Stokka frequently explain to our clients is the difference between temporary total disability (TTD) and permanent total disability (PTD).
We will review everything you should know about TTD benefits in a workers’ compensation claim.
Types of Workers’ Compensation
Workers’ compensation programs use a lot of acronyms, which can be confusing. For instance, what does TTD stand for in workers’ comp?
It’s simply a classification of disability. Workers’ compensation insurance labels the category of your disability:
- Temporary total disability (TTD),
- Temporary partial disability (TPD),
- Permanent total disability (PTD), or
- Permanent partial disability (PPD).
These classifications depend on the extent of your injury and how likely you are to recover, based on a medical professional’s evaluation.
TTD Workers’ Comp In Minnesota
So, what does TTD mean in workers’ comp?
When workers’ compensation insurance labels your claim with TTD, it means they think you have a temporary total disability. This means that you can’t work at all now, but they expect you to be able to work in the future.
You don’t have to prove that someone was at fault for your injury to get workers’ compensation TTD payments. Even if you were at fault for your workplace accident, you can still file for compensation.
Workers’ compensation covers a new injury sustained on the job or an old injury aggravated by a workplace accident. Your injury must relate to an employment-related activity.
How Much TTD Money Is Available?
TTD benefits pay two-thirds of your average weekly wage, though there is a minimum and maximum payment you can receive. Your employer’s workers’ compensation insurance will continue to pay you this benefit until you reach maximum medical improvement, meaning you have recovered or further medical treatment won’t help you get any better.
At that point, you may be able to qualify for PPD or PTD benefits based on any permanent disability.
Workers’ compensation also pays your medical bills and can pay for vocational rehabilitation. This means that if you can’t perform your job because of your injury, workers’ compensation will pay to train you for a new job.
How Long Does Workers’ Compensation Pay?
You are eligible for TTD payments for up to 130 weeks unless you enter a retraining program, which can extend the time you can receive payments.
Workers’ compensation payments stop when any of the following occur:
- You reach 130 weeks of payment and are not eligible for retraining;
- You reach maximum medical improvement;
- You return to work; or
- You are medically released to return to work but don’t make an effort to do so.
TTD workers’ comp is not a long-term solution for paying your bills. The compensation merely pays basic living expenses and medical bills while you are treated for your injuries.
Contact a Minnesota Workers’ Compensation Attorney
If you need someone to fight for your fair compensation, you should speak with an experienced workers’ comp lawyer. At Arechigo & Stokka, our legal team fights for injured employees in Minnesota. We work to get you maximum compensation and safe job conditions.
We can discuss your situation and answer any questions you may have.