TTD FAQ
What is TTD in workers' comp?+
Temporary Total Disability (TTD) is the weekly wage-replacement benefit paid while you are completely unable to work due to a work-related injury, before reaching Maximum Medical Improvement.
How is the weekly TTD rate calculated?+
Most states pay 66.67% of your average weekly wage (AWW), capped at the state maximum. A few states use different percentages — Michigan uses 80% of after-tax wages and Texas uses 70% of AWW.
How long does TTD last?+
TTD continues until you return to work, are released to work by your doctor, or reach Maximum Medical Improvement. Most states also cap the maximum number of weeks at between 104 and 500.
What if my employer is underpaying my TTD?+
Insurance carriers commonly miscalculate AWW by excluding overtime, bonuses, or earnings from a second job. If your weekly check is lower than the calculator shows, request the carrier's AWW worksheet and consult a workers' comp attorney.
Is TTD taxable?+
No. TTD benefits are generally exempt from federal and state income tax.