TTD means temporary total disability (TTD) benefits. These are a specific type of workers’ compensation indemnity benefit that you may receive if you suffer a workplace injury, and the doctor restricts you from working as a result of your injuries or treatment. These are four types of indemnity benefits, and they generally provide more weekly income than the other types of indemnity benefits.
TTD should cover about two-thirds of your usual weekly income from working, up to a maximum established by Georgia law. If you can return to work on light duty or have a permanent injury, you may receive temporary partial disability or permanent partial disability benefits instead. Death benefits are also available if the worker involved passed away from their injuries.
How TTD Workers’ Compensation Benefits Work
If you have an on-the-job injury or illness that prevents you from working at all, and your employer provides workers’ compensation insurance, you should qualify for TTD benefits. These benefits have a one week waiting period as per the Official Code of Georgia Annotated (O.C.G.A.) § 34-9-220, which means the first seven days you miss from work are unpaid. On the eighth day, you should receive your TTD benefits. If you miss three weeks (21 days) from work, you will receive benefits for the initial seven days.
According to the State Board of Workers’ Compensation, the weekly benefit maximum for TTD benefits is $675 if your injuries occurred after July 1, 2019. You should receive two-thirds of your regular income each week up to this maximum. This income is tax-free.
TTD benefits will continue until you can return to work or up to 400 weeks. In some cases, workers with catastrophic injuries may qualify for lifetime TTD benefits.
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TTD Benefits and Returning to Work
As the phrase implies, TTD means you are totally disabled, at least temporarily. You cannot work and receive TTD benefits through workers’ compensation insurance at the same time. This restriction includes not only the job where you were injured, but any other job you may work, as well. Continuing to work while receiving TTD benefits violates the rules of workers’ compensation and might be considered fraud.
There is one situation when you might be physically able to work but still continue to draw TTD benefits. This situation occurs when your doctor approves you for limited tasks at work, known as light-duty work, but your job does not have any light duty work available. In this scenario, you can continue to draw TTD benefits until the situation changes.
If light-duty work becomes available, you will need to return to work and begin drawing partial disability benefits plus the wage you earn. Alternatively, you will receive TTD benefits until you are cleared to return to your job, or you exhaust the available benefits.
Georgia Workers’ Compensation Provides Benefits for Most Injured Workers
Under the state’s workers’ compensation law, O.C.G.A. § 34-9-1, most workers in the state qualify for benefits if they suffer injuries at work. This law applies to all employers with three or more workers on their payroll. The benefits included for injured or sick workers include:
- Medical care costs
- A portion of lost income, generally two-thirds of your normal pay
- Rehabilitation costs
- Death benefits, as necessary
These benefits should pay out regardless of who caused your injuries. This is your only option for holding your employer liable for your injuries, even if they caused the accident. However, you may be able to take legal action against a third party whose negligence caused or contributed to your injuries or accident.
In addition, sometimes employers or workers’ compensation insurance providers resist paying out the benefits that injured or ill employees deserve. Insurance companies may try to reduce the benefit amount or wrongfully deny the claim. For this reason, you may want to ask a workers’ compensation lawyer for help and enlist the services of a law firm that represents workers filing for workers’ compensation benefits or facing benefit denials.
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Our Team May Be Able To Help You Secure Workers’ Comp Benefits
If you suffered an on-the-job injury or illness in the metro Atlanta area, you may qualify for TTD or another type of disability indemnity benefit through your employer’s workers’ compensation coverage. We can review your case for free, confirm you qualify for benefits, and help you handle the paperwork and process to seek your weekly payments.
At Bader Scott Injury Lawyers, we can help you with your initial workers’ compensation claim or appeal a denial of your claim if you qualify. Call (678) 562-5595 today to speak with a member of our Georgia workers’ compensation team about your case at no cost to you.