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Temporary Total Disability (TTD): What Injured Workers Need to Know

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The law in Indiana provides injured workers with three forms of disability pay: Temporary Total Disability (TTD), Temporary Partial Disability (TPD), and Permanent Total Disability (PTD).

Temporary Total Disability (TTD)

The Guide to Indiana Worker’s Compensation, written by the Worker’s Compensation Board of Indiana, says that TTD is paid when an injured worker is TOTALLY unable to perform his or her regular work for a TEMPORARY period because of a work-related injury. TTD is paid at sixty-six and two-thirds (66 2/3%) percent of the injured worker’s pre-injury average weekly wage (AWW), or the average wages he or she earned for the fifty-two week period prior to the date the injury occurred.

An injured worker can earn a maximum of 500 weeks of TTD pay.

Example: Jim, a construction worker, trips over some tools left out by one of his coworkers and breaks his ankle. Because of his on-the-job injury, Jim cannot perform his regular job duties and the company has no light duty jobs available that meet his injury restrictions. So, Tom is now TOTALLY disabled from his job. However, since a broken ankle will heal, Tom will only TEMPORARILY be disabled from his construction job. Until he is able to return, Tom will receive TTD benefits.

TTD Guidelines

Before you can receive any type of disability pay for your work injury, the following things must happen:

  1. Your claim has been accepted by the worker’s compensation insurance carrier.
  2. The doctor has ordered you off work or put you on restrictions that your employer is unable to meet.
  3. You have been ordered off work for more than 7 days (not necessarily consecutive days.
End of TTD Benefits

You will no longer qualify for disability pay if your job can accommodate the doctor’s restrictions and your income is equal to or more than what you drew in TTD benefits. Once you have been released at maximum medical improvement by their doctor, your disability checks will stop even if you are unable to return to the job you held before the work accident. The only exception to this rule is a case involving permanent and total disability.

Depending on your situation, it is likely that you will receive notice from the insurance carrier when your disability pay is about to stop.

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