Weekly TTD Benefits
If you are unable to work because of your injury, you will receive weekly TTD (temporary total disability) benefit checks for lost income during the time that the injury has you out of work.
The weekly income benefit in 66% of your gross average weekly wage. Your average weekly wage is calculated on the 13 weeks prior to the date of injury.
Insurance companies will sometimes try to minimize the amount of weekly benefit paid by underestimating the amount of your average weekly wage. You are entitled to have all of your income included as part of your “average” weekly wage, including, for example, your overtime pay. If you are a seasonal worker, and your pay varies throughout the year, you are entitled to an average weekly wage that is calculated based on your yearly average. Obviously, it is difficult enough to make ends meet on only 66% of your pay, so make sure you do not lose out on any part of what you are entitled to receive.
An experienced workers’ comp lawyer knows how to maximize your benefits. I am here to make sure that you do receive the full amount in your weekly benefit checks.
Permanent Partial Disability Benefit
Permanent partial disability (PPD) is also an income benefit injured workers are entitled to receive. The PPD benefit is due and must be paid after a worker is no longer eligible for the weekly lost wages benefit checks. It is usually paid after the worker has reached “maximum medical improvement.” PPD is usually paid in one lump sum payment.
The amount of the PPD benefit is determined by a disability rating given by a doctor. The company doctor may issue a low disbility rating. The Insurer may thereby try to limit the amount of the PPD workers’ compensation benefit you receive. However, you are entitled to a second opinion as to the disability rating from an independent doctor you choose, who is not a company doctor or on the panel. If you are receiving weekly benefits (see Medical Benefits), and up until 20 days after your last weekly check is paid, the second opinion must be paid for by the Insurer.