Several benefits are available to Oklahoma workers who’ve been hurt at work, depending on the severity of the injury and length of time the injured employee can’t work. One such benefit is temporary total disability (TTD).
Workers’ compensation insurance pays lost wages and medical expenses to employees who have been hurt at work. Each state has its own workers’ compensation laws. Although many share similarities, there are some differences, so it’s important to understand Oklahoma laws if you are injured on the job here. With very few exceptions, all employers in Oklahoma must provide workers’ compensation benefits to their employees. If they don’t, they could be prosecuted or fined.
What Is Temporary Total Disability?
Temporary Total Disability means your injury has made it impossible for you to perform your regular job duties, but your disability is expected to be temporary. This determination is generally made by your treating physician, who will evaluate your job duties, the nature and extent of your injury, and how that injury interferes with your ability to perform your regular job.
If your injury prevented you from working for more than three calendar days, you are eligible for TTD benefits up to eight weeks and farther if you qualify.
How Much Compensation Will You Receive
You will generally receive 70 percent of your average weekly wage, but the amount of your particular TTD pay depends on many factors, including:
With one exception, the maximum time you can receive TTD benefits is 104 weeks, which is two years. If you suffer what is referred to as a “consequential” injury, TTD benefits may be extended for an additional 52 weeks. A consequential injury is one to a part of the body that was not originally injured in the work-related accident but is injured as a consequence of the original injury.
Applying for Your TTD Benefits
Injured employees are required to report the injury to the employer, who will arrange for medical care within five days of notice of the injury. Of course, if the injury requires immediate emergency treatment, you may seek emergency care. Employers and their workers’ compensation insurance carriers generally will see to it that injured workers receive the benefits to which they are entitled, according to the Workers’ Compensation Commission. If there is a problem, you can pursue your claim with the Commission yourself.
How an Attorney Can Help
It would be nice if everything always worked according to plan when you are injured on the job: Your employer works to be sure you receive all the compensation to which you are entitled. He or she does not question the length of time your doctor says you need to be off of work. Your TTD check arrives on time every week.
Unfortunately, in the real world, things often go awry: Your claim does not get filed. Insurers and employers balk and argue that you aren’t disabled and should instead return to work. Claims get denied and appeals need to be pursued. An experienced workers’ compensation attorney will know how to fight to be sure you receive all the benefits you deserve.
Do you have a question about workers’ compensation? Give us a call at 405-703-4567.