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TTD refers to an employee’s physical status while he is in recovering from an injury and unable to continue his normal work activities. Generally, the employee is off of work and at home or in the hospital, because he is physically unable to work and the employer does not have any other work that the employee can perform within his physical restrictions.

TTD also refers to the weekly checks that an employee receives while he is temporarily totally disabled and unable to work. These TTD Checks are paid weekly and constitute 66% of an employee’s Average Weekly Wage (AWW). Notably, this amount is capped by the law. These weekly checks are part of the 2nd Benefit for Injured Workers in Missouri.

Please see our Benefits Calculator to learn more about your TTD benefits are calculated.

It is very common for the BiState Injury Center to fight with insurance companies over TTD, both in the amount of the AWW and in simply getting the payments to the injured worker. Insurance companies often ignore the rules of how AWW is calculated and try to use the TTD Checks as evidence when the employee cashes them.

TTD is terminated (i.e. cut off) when an employee is declared to have reached Maximum Medical Improvement (MMI) by a physician.

TPD refers to an employee’s physical status while he is recovering from an injury and able to work a little but not in his full, normal capacity. Generally, the employee is at work can only put in reduced hours due to the injury or he is performing a different, lower paying task for the employer while healing. As a cost saving measure, the employer can force an injured employee to work a different position, so long as the new job duties do not violate the injured worker’s medical restrictions.

TPD also refers to the weekly checks that an employee receives while is temporarily working a lower paying position or his hours are reduced. TPD checks are meant to bring the employee’s weekly payments up to 66% of his normal Average Weekly Wage (AWW). Notably, this amount is capped by the law. These weekly checks are part of the 2nd Benefit for Injured Workers in Missouri.

It is very common for the BiState Injury Center to fight with insurance companies over TPD, both in the amount of the AWW and in simply getting the payments to the injured worker. Insurance companies often ignore the rules of how AWW is calculated and point to the fact that the employee is still working as proof that TPD is not required – false. The true calculation is based on the AWW.

TPD is terminated (i.e. cut off) when an employee is declared to have reached Maximum Medical Improvement (MMI) by a physician.

PPD refers to an employee’s physical status after he has received all medical care necessary to treat and relieve the symptoms of the work injury and reached maximum medical improvement. An injured worker who has a permanent partial disability has fully recovered from the work related injury and is able to resume working. However, the injury left a lasting physical problem or effect called a disability. This disability can include loss of strength, loss of movement, loss of function, ongoing pain and a number of other symptoms that may persist for the rest of the employee’s life.

PPD is also the basis for the 3rd Benefit for Injured Workers in Missouri – the final lump sum settlement. The Missouri Work Comp system is designed to compensate employees for being injured at work, and every employee who has ongoing problems from a work place injury is owed money based upon the ongoing permanent partial disability that the employee must work through.

This benefit is awarded after all medical treatment in done and the case is over.

Please see our Benefits Calculator to learn more about how PPD benefits are calculated and learn how much your Missouri workers compensation claim may be worth.

PPD is almost always contested by the insurance companies, and an experienced Missouri workers compensation lawyer can make a tremendous difference in increasing the value of your claim. The work comp lawyers at BiState Injury Center fight the insurance adjusters and their lawyers to establish the Nature & Extent of the work place injury and demonstrate the lasting effects that a hurt worker will have to deal with the rest of his life.

PTD refers to an employee’s physical status after he has received all medical care necessary to treat and relieve the symptoms of the injury but the employee is physically unable to return to work and is not employable in the open labor market. Basically, the injured worker is so hurt that he is never going to work again. Traumatic brain injuries, amputations and a combination of serious injuries often lead to the employee being found Permanently and Totally Disabled. The key to PTD is that the employee cannot work for anyone ever again, not just in the position he had. If someone can work in a reduce capacity or in a different job, then he does not qualify for PTD.

PTD is also the basis for the 3rd Benefit for Injured Workers in Missouri – the final lump sum settlement. Often with injuries that completely disable a worker, future medical care is also a concern. Please see our Benefits Calculator to learn more about how PTD benefits are calculated and learn how much your Missouri workers compensation claim may be worth.

PTD is almost always contested by the insurance companies, and an experienced Missouri workers compensation lawyer can make a tremendous difference in increasing the value of your claim, as well as establishing the correct value of your ongoing medical care. The work comp lawyers at BiState Injury Center fight the insurance adjusters and their lawyers to establish the Nature & Extent of the work place injury and demonstrate the lasting effects that a hurt worker will have to deal with the rest of his life. Additionally, the BiState lawyers help injured workers navigate the complex relationship between work comp claims and the Medicare system. Importantly, all PTD injuries are going to involve Medicare.

When a physician feels that an injured worker has reached the maximum level of improvement possible by modern medicine, then the doctor will release the work from care and declare him at Maximum Medical Improvement. Essentially, the worker has received all care necessary and no matter what other treatment is done, the worker will never get any better. MMI is the triggering event for a number of issues in the Missouri Workers Compensation system, such as terminating TTD and moving toward mediation of the case.

A declaration of MMI also stops the employer and insurance companies duty to pay for a hurt worker’s medical care – the 1st Benefit under the Missouri Work Comp System.

The Missouri Work Comp Lawyers at BiState Injury Center constantly fight insurance companies and their doctors over how MMI applies to an injured worker. The insurance doctors want to move the injured worker through the system as fast as possible and often declare MMI far before the worker is healed. For instance, a doctor may declare an injured worker at MMI and schedule 2-3 more sessions of physical therapy. That is NOT MMI, because the doctor clearly thinks the injured worker needs more medical care. We zealously fight these early releases and demand additional treatment when our clients need it.

The State of Missouri maintains an average weekly wage for employees across the entire state. The Division of Workers Compensation uses this statewide average to determine maximum workers’ compensation benefits for each year. This SAWW value is also used directly in some calculations, such as determining benefits for Type 2 Occupational Diseases.