TOTAL TEMPORARY DISABILITY OR TTD BENEFITS – How to Pay Your Bills After Work Injury
Many of our clients call worrying about how they will pay their bills following a work injury. Often, injured workers are not informed of their rights when they get hurt at work.
Kentucky law provides injured workers income benefits while they are treating and recovering from their work injury. This benefit is called temporary total disability benefits, or commonly referred to as TTD benefits.
WHAT ARE TTD BENEFITS?
TTD benefits pay an injured worker who has not reached maximum medical improvement (in layman’s terms means they are as good as they are going to get) and has not reached a level of improvement that would allow to return to employment. For example, if an injured worker is taken off from work by his treating doctor during their recovery, then the injured worker is entitled to TTD benefits until the doctor releases the injured worker back to work.
An injured worker can also receive TTD income if he is placed on physical restrictions by his doctor. For example, if doctor states that an injured worker can not lift more than 15 lbs. during recovery or can only perform light duty jobs, then the injured worker can receive TTD income while those restrictions are in place.
HOW MUCH CAN I RECEIVE IN TTD BENEFITS?
TTD income is based on your average weekly wage that an injured worker was earning prior to the injury. Under the law, an injured worker will receive 2/3 of his average weekly wage. If an injured worker earned $900 a week prior to the injury, then she will receive $600.00 a week for TTD.
Unlike wages, TTD benefits are not taxed.
Kentucky also sets a minimum amount of TTD income that must be paid as well as the maximum amount that an injured worker can receive per week. TTD benefits are paid on the same schedule that the injured worker was paid his wages.
HOW LONG CAN I RECEIVE TTD BENEFITS?
There is no limit on how long you can receive TTD benefits. TTD starts when an injured worker is unable to work for 14 consecutive days. TTD is terminated once a medical doctor (does not necessarily have to be your doctor) places the injured worker at maximum medical improvement. If an injured worker is restricted to light duty and his employer can accommodate the light duty, then the injured worker will not receive TTD. But, if an injured worker returns to work with restrictions and is making less money in wages than he would be making in TTD, the injured worker is entitled to the difference.
Do not let the insurance company hold you hostage when you get hurt at work. Our office has often battled the insurance industry to make sure that injured workers across the state are paid what is owed to them under the law. If you are tired of dealing with your work comp adjuster, call Brad Sowell or Mike Steidl at (270) 599-0642.
WE FIGHT SO YOU DON’T HAVE TO