Do you have workers’ compensation questions related to the COVID-19 coronavirus?

The Difference Between TTD and PPD Benefits

You may receive temporary total and permanent partial disability benefits after a work injury.  Many people receive both of these benefits.

Unfortunately, insurance companies do not always pay these benefits at the correct time or in the correct amounts.  Insurance companies often fail to even tell you that the type of benefits you are receiving has changed.  This is very frustrating if you are trying to make sure you have received the workers compensation benefits you should.

Most people just want to receive the benefits to which they are entitled under the law.  But, how do you do this when the insurance company does not even explain what they are paying you?

Temporary total and permanent partial disability benefits are especially confusing because the weekly amount of these benefits should be the same.  So, many people do not even understand that they are receiving a different type of benefit when they switch from temporary total disability to permanent partial disability and back.

Repairman knee pain

This article attempts to provide some helpful information about the similarities and differences between temporary total and permanent partial disability benefits under Georgia’s workers compensation law.

There are other types of workers compensation benefits you will want to understand as well.  The two most important of these other benefits for you to know about are:

What is the main difference between temporary total and permanent partial disability benefits?

The big difference between these two benefits is why you receive them.  Temporary total disability benefits are wage loss benefits.  The insurance company has to pay them when you cannot work because of your injury.

Permanent partial disability benefits compensate you for a different type loss.  You receive these benefits because your injury causes a permanent impairment to your body which results in a loss of function.

How are temporary total and permanent partial disability benefits alike?

There are two primary similarities between temporary total and permanent partial disability benefits.

The insurance company pays you these benefits weekly

Georgia workers compensation law requires the insurance company to pay both these benefits weekly.  So, you should receive a weekly benefit check when you are receiving these benefits.

Occasionally, the insurance company will pay permanent partial disability benefits in a lump sum.  When this happens, they really are just paying the weekly benefits in advance.  So, they are just paying you a number of weeks of benefits at one time.

The amount of the weekly benefits is the same

In Georgia, the weekly check you receive for temporary total disability should be the same amount as your permanent partial disability benefit check.  The amount you will receive depends on how much you made in the three months before your injury.

Using this amount, the insurance company should calculate your average weekly wage.  Your temporary total disability and permanent partial disability checks are usually two-thirds of your average weekly wage.

If your permanent partial disability benefit amount is different than your temporary total disability amount, the insurance company has messed up somehow.  This is not uncommon.  I run into many situations where insurance companies pay temporary total disability and permanent partial disability benefits in the wrong amount.  There are actions that can be taken to fix this.

Remand decisionHow do I know what type of benefit I am receiving?

Because of how similar these benefits are, you will probably find it difficult to determine which type of benefit the insurance company is paying you.  Here are some tips that may help you with that problem.

  • Georgia law requires the insurance company to file a Form WC-1 or Form WC-2 saying the type of benefit.  But, the insurance company does not always do this.
  • Your check may indicate the type of benefit.  It may say something like “temporary total” or permanent partial”.  It might also say “TTD” or “TT” (abbreviations for temporary total disability) or “PPD” or “PP” (abbreviations for permanent partial disability).
  • The check stub that comes with your check may also have information on it about the type of benefit paid by the insurance company.
  • If your doctor has you out of work because of your injury, the weekly benefit is probably temporary total disability.  If your doctor gave you a permanent partial disability rating and you have returned to work, the benefit is probably permanent partial disability.

Can I receive temporary total and permanent partial disability benefits at the same time?

Georgia law almost never allows you to receive temporary total and permanent partial disability benefits at the same time.  In fact, the insurance company does not have to pay you permanent partial disability benefits until you stop receiving temporary total and temporary partial disability benefits.

Occasionally, people do receive permanent partial and temporary total disability benefits at the same time.  Usually, the only situation where this happens is when someone returns to work while receiving permanent partial disability benefits and then suffers another work injury.

Deadline calendarWhy does it matter which type of benefit I receive?

It is very important to know what type of benefit you are receiving.  One of the main reasons this is so important is that Georgia’s workers compensation law has many different deadlines known as statutes of limitations.  These statutes provide deadlines for getting additional benefits.  Missing these deadlines can cause you to lose most or all of your workers compensation benefits.

The change in condition statute of limitations only provide you two years to get additional temporary total disability and temporary partial disability benefits.  This deadline runs from the last time you received temporary total or temporary partial disability benefits.

If you currently receive temporary total disability benefits, that two year deadline gets “extended” with each TTD check you receive.  But, if you currently receive permanent partial disability benefits, those checks do not extend the two year deadline.

Many people do not realize that their temporary total disability benefits have stopped and that they have started receiving permanent partial disability benefits.  This can create terrible situations when someone has ongoing permanent restrictions as a result of a serious injury since these injuries often make it difficult to return to work.

What if I have other questions about workers compensation?

Georgia’s workers compensation system can be very confusing.  You have to worry about getting the treatment you need and paying your bills while also worrying about not missing any deadlines that could cause you to lose your right to receive workers compensation benefits.

If you have questions, I would recommend that you try to get answers.  To find out more about how to schedule a time to talk to me about your workers compensation questions, just read this short article.

Jason Perkins is an attorney who specializes in representing injured workers.  He regularly publishes videos and write blog articles about Georgia’s workers compensation system and issues that are important to injured workers and their families.

To be notified of Jason’s new workers compensation videos, subscribe to his Georgia Workers Compensation Video Series channel on YouTube by clicking the subscribe button below.

It took me probably too long to finally get a lawyer when my work comp claim started and I had no idea what I should do. I read reviews and upon recommendation of several people started the process of getting a lawyer. I am fortunate and lucky to have come across Perkins Studdard. Jason and his team has taken care of me since the moment I first called them and made sure any and all questions I had were answered as well as working hard to get me my settlement so I can continue receiving treatment. If you're looking for a good law firm to represent you in your worker's compensation case I would highly highly recommend this one.Autumn Fields
I highly recommend Perkins Law Firm. Throughout the whole process Perkins team kept me updated and explained everything very well. I am very pleased with their work. You will not be disappointed!!trina flornce
Mr. Perkins and team...Tina* they have all been so awesome. Always available to talk to me with any concerns. Kept me informed on my case all the way. Greatly appreciated!Missy Cherry
Amazing! Jason and his team were very helpful and had the best communication by far. Walked me though every step with great detail and had answers for any question I had. They handled my case better then I could imagine, it was a weird case and they stayed on top of it and kept me updated every step of the way! Highly recommend this Team! Thanks so much to Jason and his Awesome team! -BrittneyBrittney-lee orourke
This law firm is very good at what it does the staff and the lawyer's that were involved with my case all were very perfesional and curious I couldn't ask for a better law firm I want to thank everyone for a great job thanks Les RyanLeslie Ryan
I absolutely love this group of attorneys, when I was at my lowest they did everything they could to help me get justice for my injury. I believe if I were to have never picked my phone up and called the amazing group that helped me I definitely would not have received my idea of rights. If you have an issue and are just not sure please understand that they will help you, stay in contact, answer any question you have, and for sure get you the justice you deserve I thank them from the bottom of my heart and I will definitely refer them to anyone who has been hurt because they most definitely care about their work and clients.China Jones
The entire law office was attentive and responsive to all of my concerns dealing with my workers compensation case.Luv Locs
If you must get a lawyer involved, you’d do well to work with Jason Perkins and his team at Perkins Studdard Law. They were thorough in gathering information and in sharing all the steps in the workers comp process specific to my case. Jason and the team were responsive to my bevy of questions and concerns. I appreciated the informative videos and consultations provided by Jason over video meetings and multiple phone calls. I hope I’m never injured on the job again. However, if I am and if my employer responds as my previous employer did, I’ll contact Perkins Studdard Law immediately to handle the case.moombi
Everyone at Perkins Studdard was kind and professional. They were always extremely responsive and answered all questions that I had and followed up to make sure I had an understanding of what was going on along with emailing videos to explain every step of my case so I would know what to expect and be prepared. Jason is a very genuine person and I trusted him with my case. He answered so many questions for me even before I retained him as my WC lawyer. I highly recommend him and his associates at Perkins Studdard.Dana Bess
Great staff and very knowlegable. They treat you like family and work hard to get you what you need. Highly recommended.Josh Carter

Related Posts


Font Size:

Jason Perkins

Workers' Compensation Attorney

Interested in more Workers Compensation information?

I’ll help you understand the workers' compensation process and how to get the benefits you deserve.

  • This field is for validation purposes and should be left unchanged.