Work Injuries and money owed while you recover

Work Injuries and money owed while you recover

Temporary Total Disability Benefits

Temporary Total Disability benefits are the wages that you receive when you are off for a work injury in Missouri. Temporary Total Disability is frequently called TTD and the Employer is required to pay TTD while you are unable to work. In Missouri, your temporary total disability is based on your average weekly wage and paid out at two-thirds of your average weekly wage. TTD is similar in Illinois workers’ compensation.

If the company physician returns you to work on "light duty" in Missouri, but the Employer has no light duty available, TTD is still owed to you. Temporary Total Disability benefits must be paid for the entirety of the time that you are off work and when an employer or insurance company attempts to cheat you out of this money, you need to seek legal counsel immediately. This is why at Cantor and Associate we advise clients to retain an attorney as soon as they injure themselves at work in order to secure all the benefits to which they are entitled. These benefits include the lost wages (TTD), all of your medical bills being paid, and a lump sum payment for permanent partial disability or period payments for a lifetime for permanent total disability.

At Cantor and Associate we do not charge a fee on benefits that are uncontested meaning that if the Employer or Insurer is paying you money already for being off work, we will simply monitor those benefits and will not charge a fee on any of those benefits unless they are terminated and a fight is required to have them reinstated.

WHEN CAN THE EMPLOYER STOP PAYING TTD?

Unfortunately, many employers and insurers stop paying TTD even when it is still owed. This is why we encourage you to retain legal counsel early in the case and we do not charge a fee on uncontested benefits. However, when the money stops being paid we will be there to protect you. If you wait, it takes 45 days to get in front of a judge, (Usually the claim is acknowledged after 15 days and the employer has 30 days to file an answer to the claim for compensation.)

Unfortunately, there are reasons that an Employer may stop paying TTD under the Revised Missouri Statute of August 28, 2005. If you are fired or terminated for a reason unrelated to your workers' compensation claim, for instance you show up late, the Employer may fire you. If you then have surgery for a work related occupational injury such as carpal tunnel syndrome, the Employer will need to pay for the medical expense, but will no longer be required to pay you while you are off work recovering from your surgery. This strikes me as unfair, because although work caused the underlying issue and because the surgery is required to repair that issue, but prevents you from doing any gainful work, it seems that the Employer should have to pay you, but our conservative legislature has protected the Employer / Insurer's in Missouri and if you are fired for an unrelated reason, TTD is no longer owed.

Another pitfall to be cautious of is if you apply for unemployment benefits, the Employer may stop paying you temporary total disability benefits. This one makes a little bit more sense because to receive unemployment you are making a statement to another government agency that you are ready, willing and able to work. This statement flies in the face of your workers' compensation benefits, wherein you are saying that you are unable to work. Therefore, if you are receiving TTD from your Employer you should never, based on both ethics and the law, also seek to receive unemployment benefits.

If you have a workers' compensation claim at any stage and you need assistance, please call the lawyers at Cantor and Associate at (314) 542-9999 or submit a contact form through this website and we will respond to you immediately. Our phones are answered professionally 24 hours a day, 7 days a week. You do not need any money to hire us as we work on a contingency fee basis and we will use our combined 40 years of experienced, our knowledge, and our financial resources to secure you the most money possible.

If you have a workers' compensation claim at any stage and you need assistance, please call the lawyers at Cantor and Associate at (314) 542-9999 or submit a contact form through this website and we will respond to you immediately. Our phones are answered professionally 24 hours a day, 7 days a week. You do not need any money to hire us as we work on a contingency fee basis and we will use our combined 40 years of experienced, our knowledge, and our financial resources to secure you the money and medical benefits you deserve.

POSTED IN: Our Worker's Compensation Clients Recent Worker's Compensation Cases
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