TPD vs TTD

Overview

Temporary disability benefits provide income support for employees recovering from work-related injuries. These benefits fall into two main categories:

• Temporary Partial Disability: TPD
• Temporary Total Disability: TTD

This guide explains the difference between the two and how compensation is calculated.

 

Temporary Partial Disability (TPD)

TPD benefits apply when an injured employee can return to work in a reduced capacity, such as light-duty or modified work, not their full, regular duties.

Eligibility

• The injury is not permanent
• The employee cannot perform their original job
• The employee can do light-duty or part-time work

Compensation

• Paid at two-thirds of the difference between pre-injury and post-injury wages
• Example:
  • Pre-injury wage: $800/week
  • Post-injury wage: $400/week
  • Difference: $400
  • Benefit: $266.67/week
• Maximum Weekly Benefit: $383

Note: Benefits are capped based on state regulations and may vary by year or location.

Temporary Total Disability 

TTD benefits are provided when an employee is completely unable to work for a temporary period due to injury.

Eligibility

• Employee cannot work at all
• The absence must last at least 7 consecutive days
• Recovery is expected 

Compensation

• Paid at two-thirds of the employee’s average weekly wage
• Maximum Weekly Benefit: $675
• Duration:
  • Up to 400 weeks, or
  • Until the employee reaches Maximum Medical Improvement