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The Difference Between TTD and PPD Benefits4 minute read

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.

Most people just want to receive whatever benefits they should.  But, many people find it difficult to understand what benefits they should receive.

Temporary total and permanent partial disability benefits can cause a lot of confusion.  This article will discuss the similarities and differences between temporary total and permanent partial disability benefits under Georgia’s workers compensation law.

I will not get into other benefits that Georgia law pays in this article.  If you do want to know about those other benefits, I would recommend visiting the Workers Compensation Income and Medical Treatment Rights pages on our website.  They have a number of articles about other Georgia workers compensation benefits.

Repairman knee painWhat 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 loss.  You receive these benefits because your injury causes a permanent impairment to your body.

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 while you receive 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 will 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.

How do I know what type of benefit I am receiving?

Because of these similarities, you may 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 confusion.

Remand decisionGeorgia 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.  This happens 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?

One reason you need to know is Georgia’s workers’ compensation 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.

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.

Brittney-lee orourkeBrittney-lee orourke
05:23 18 Feb 22
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!-Brittney
China JonesChina Jones
18:58 08 Feb 22
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.
Luv LocsLuv Locs
16:08 15 Jan 22
The entire law office was attentive and responsive to all of my concerns dealing with my workers compensation case.
moombimoombi
21:14 02 Jan 22
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.
Dana BessDana Bess
23:57 10 Dec 21
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.
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