What is temporary total disability?

Benefits while completely unable to work during recovery, typically paying percentage of normal wages.

Temporary total disability (TTD) benefits are designed to provide financial support to workers who are unable to work due to an injury or illness that occurred in the course of their employment. When someone is temporarily and totally disabled, it means they cannot perform any job duties at all while they are recovering. During this period, they are entitled to receive a portion of their regular wages to help them financially until they can return to work. Generally, workers receive about two-thirds of their average weekly earnings through these benefits, though the exact percentage and cap can vary depending on the state laws or the specifics of the workers' compensation policy.

Imagine John, a construction worker, who injured his back while lifting heavy materials at a site. Due to the severity of his injury, John's doctor advised him to rest completely for several weeks, confirming that he couldn't perform any kind of work during his recovery. Because John is unable to work, he applies for temporary total disability benefits. While he recovers at home, workers' compensation provides him with a portion of his salary, enabling him to pay his bills and support his family until he heals and can go back to work.

If you've been injured at work and find yourself unable to continue working due to your condition, it's important to notify your employer and file a claim for workers' compensation as soon as possible. Make sure to provide all necessary documentation from your healthcare provider that supports your need for time off. Understanding your state's specific workers' compensation rules can also help, as benefits can vary. Never hesitate to consult with a workers' compensation attorney if you have questions or concerns about your rights and the benefits you should receive. Having the right information and support can make a big difference in your recovery and financial well-being during your time away from work.