Temporary Total Disability Attorneys in Metairie, Louisiana

When life throws unexpected challenges your way, knowing your rights and options is critical. Many people struggle with Temporary Total Disability (TTD) after an injury prevents them from going back to work.  

At the Law Office of Bruce C. Betzer, we want you to understand the concept of TTD, its importance, and how you can get your TTD claim approved. 

What Is Temporary Total Disability? 

Temporary Total Disability comes into play when an injured worker is entirely unable to work for a temporary period. During this time, the individual is expected to recover and eventually return to their previous job or take up another form of employment.

The key here is that the disability is temporary and total, meaning the worker cannot perform any work duties during recovery. 

Why Temporary Total Disability Matters 

TTD provides financial support to injured workers who cannot earn an income while recovering. This support helps cover daily living expenses, medical bills, and other essential costs.  

Without TTD benefits, many workers would struggle to make ends meet during their recovery. TTD benefits often include rehabilitation support, helping workers regain their health and job skills.

This financial cushion not only relieves immediate stress but also helps them transition smoothly back to the workforce. 

How TTD Benefits Are Calculated 

In Louisiana, TTD benefits are typically calculated as two-thirds of the worker's average weekly wage. There are caps on the maximum amount that can be received, which are adjusted annually.

These benefits continue until the worker has reached maximum medical improvement (MMI), meaning further medical treatment is unlikely to improve their condition. The calculation also considers any additional compensation adjustments for severe injuries or disabilities. 

The Process of Filing for TTD 

First, report your injury to your employer as soon as possible. Next, seek medical attention and ensure all your medical records are documented.

Your employer will then file a claim with their workers' compensation insurance carrier. If approved, you should start receiving benefits. If denied, seek legal assistance to appeal the decision. 

You must adhere to the deadlines for reporting your injury and filing a claim. In Louisiana, injured workers generally have 30 days to report their injury to their employer. Failing to do so may jeopardize your eligibility for benefits.  

Maintaining thorough documentation of all communications, medical treatments, and expenses related to your injury can support your claim.

If you face any issues during the filing process, consult with an experienced workers' compensation attorney, who can guide you through the legalities and ensure you receive the benefits you deserve. 

Common Reasons for TTD Denial 

There are several reasons why a TTD claim might be denied: 

• Insufficient medical evidence 

• Missing deadlines for reporting the injury 

• Discrepancies in the injury report 

• Employer disputes the claim 

• Lack of witness statements or corroboration 

• Previous medical conditions or injuries 

• Non-compliance with recommended medical treatment or rehabilitation programs 

Importance of Medical Documentation 

Medical documentation is necessary to support your TTD claim. Document all medical visits, treatments, and recommendations thoroughly. This record will serve as evidence of your injury and demonstrate your need for TTD benefits.

You should consistently update your medical records to strengthen your case and counter any disputes from insurers regarding your recovery progress. 

Returning to Work After TTD 

Once you reach maximum medical improvement (MMI), you will need to discuss your ability to return to work with your doctor. Depending on your condition, you may be able to return to your previous job, to a modified role, or even seek new employment.

You must follow your doctor's recommendations to avoid further injury. If your injury has resulted in permanent restrictions, you may be eligible for vocational rehabilitation services to help you transition into a suitable occupation. 

TTD Laws in Louisiana 

Workers' compensation laws in Louisiana require employers to provide TTD benefits to eligible employees. These laws outline how benefits are calculated, the duration of payments, and the requirements for documenting injuries and medical treatments.  

Louisiana's workers' compensation system ensures that injured workers receive the necessary support to recover without facing financial ruin. All employers are mandated to carry workers' compensation insurance or be approved to self-insure. 

The legal system in Louisiana has a dispute resolution mechanism through the Office of Workers' Compensation Administration (OWCA) to address conflicts between workers and employers or insurers.  

If you're struggling with your TTD claim, you must seek legal assistance as soon as possible. Delays can result in missed deadlines and lost benefits. Contact a workers' compensation attorney at the Law Office of Bruce C. Betzer early in the process to ensure your claim is handled correctly from the start.