Did You Suffer Temporary Injuries on the Job?
If your on-the-job accident causes you to be temporarily disabled and unable to work, you may qualify for Temporary Total Disability benefits. Give us a call so we can ensure you get money to help you make ends meet until you recover.
To qualify for TTD benefits, you’ll need certification from your workers’ comp doctor that restricts you from performing your work duties, you’ll need to be off work for at least five days within a twenty-day period, and you must not have been offered “light-duty” work that fits the temporary restrictions set by your medical provider and pays net wages at your TTD rate.
If you are eligible for TTD, you’ll receive two-thirds of your average weekly wage for as long as you qualify. In Nevada, TTD payments are capped at $897.82 per week for 2019. If your average earnings at the time of your injury totaled more than $5,856.54 per month, you’ll still receive a maximum of $3,904.36 each month. You will continue to receive payments until you are:
- Released by your doctor to return to work.
- Offered work by your employer that accommodates your restrictions.
- Determined to have reached maximum medical improvement.
- Declared permanently disabled and are not expected to improve.
Getting Paid TTD Benefits in Nevada
TTD benefits are not paid out automatically. To get paid for your Temporary Total Disability, you’ll need to file a workers’ compensation claim for benefits right away. Once you are certified as disabled, you should receive your first check within about 14 days.
When you receive your initial payment, your employer should include an Explanation of Wage Calculation that explains how the insurer determined your pay rate. It’s important to review this form carefully and make sure there are no errors that will impact the amount you receive.
How Your TTD Payments Are Calculated
To decide how much you’ll receive, an adjuster with your employer’s insurance company will obtain wage verification from your employer. The adjuster will base your compensation on the wages you earned in the last 12 weeks before you got hurt. If the 12-week wage history from before you were injured doesn’t portray an accurate representation of your wages, be sure you let us know as soon as possible. We can request that your benefits be calculated based on your wages over the last 12 months prior to your injury instead.
Factors that may impact the amount of TTD benefits you receive include:
- Working Multiple Jobs. If you worked more than one job before you were injured, we can ask that the income from all earnings sources be used to calculate your average monthly wages that determine your benefit amount.
- Income from Tips. The tips you earn and report for income tax purposes can be added to your base wage to obtain a more accurate representation of your total earned income when determining your TTD payments.
- Wages Lost for Treatment. If you return to your job after qualifying for TTD benefits, you may still be under a physician’s care. If you have to take off work for medical treatment associated with your work injury and you travel more than 50 miles for your appointment, you can be reimbursed for the wages you lost while you were getting care.
- Incarceration. If you become incarcerated, you will not receive Temporary Total Disability benefits for as long as you are in jail/prison.
- Termination from Employment. If you are terminated from your job for misconduct that doesn’t have anything to do with your work injury and that termination is the only reason you cannot return to your job, you will not qualify for TTD benefits.
If you discover that the calculation of your wages is incorrect, make sure you contact our team immediately so we can help you dispute the mistakes. Keep in mind we will need documentation, such as pay stubs, W-2 forms, or copies of income tax returns to correct any errors.