Can I get temporary disability benefits for my work-related injury?

If you're dealing with a work-related injury or illness, temporary disability benefits can help replace the income you've lost while you're getting better.

There are two types:

• Temporary Total Disability (TTD):

  • You get TTD benefits when you can't work at all during your recovery.
  • Usually, it's about two-thirds of your earnings before taxes.
  • This includes overtime and the value of things like board, lodging, and fuel.
  • If you were due for a raise when you got injured, you might receive two-thirds of the higher wage.

• Temporary Partial Disability (TPD or "wage-loss TD"):

  • TPD benefits are for when you can work but only part-time or in a lower-paying role due to your injury.
  • These benefits are usually about two-thirds of the difference between your regular weekly wages and what you earn working part-time.

As soon as you experience a work-related injury, do the following:

1. Notify your employer or supervisor so they document the incident. 

2. Seek medical attention from a doctor. Your treating doctor will assess your condition and determine if you are temporarily disabled and in need of TD benefits. If you disagree with your doctor's evaluation, you can request a change of treating doctor or a second opinion from a Qualified Medical Examiner (QME) or an Agreed Medical Examiner (AME).

3. Contact your claims administrator. The claims administrator is responsible for managing your workers' compensation claim. They will review your case and determine your eligibility for TD benefits.