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        Fall River, MA 02720

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        Springfield, MA 01103

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        Worcester, MA 01606

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        217 US-130

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        102 Browning Ln #5

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        85 Central Ave

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        1090 King Georges Post Road Suite 103

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        333 N Broad St #206

        Elizabeth, NJ 07208

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        850 Bear Tavern Rd Suite 106

        Ewing, NJ 08628

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        840 Bergen Ave Second Floor

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        288 Main Street 2nd Floor

        Millburn, NJ 07041

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        41-43 Manufacturers Pl

        Newark, NJ 07105

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        115 West Century Road Suite #330

        Paramus, NJ 07054

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        14 Walsh Dr Suite 200 Room 7

        Parsippany, NJ 07054

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        847 Main St

        Paterson, NJ 07503

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        111 Washington St, Suite 111

        Paterson, NJ 07505

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        65 East Route 4

        River Edge, NJ 07661

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        25 Main Street Suite C

        Toms River, NJ 08753

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        64 Washington Street

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        Vineland, NJ 08361

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        21 Everett Rd Ext

        Albany, NY 12205

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        34 Chenango St. Suite 410.

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        1755 Watson Ave Suite 355

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        6400 18th Ave Second Floor

        Brooklyn, NY 11204

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        300 Main St #8

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        Elmira, NY 14901

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        60 Hempstead Ave #6002

        West Hempstead, NY 11552

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        215 East Main Street, Suite 203

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        East Islip, NY 11730

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        720 Route 17K

        Middletown, NY 10940

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        6 Gramatan Ave, Suite 604E

        Mount Vernon, NY 10550

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        398 North Ave. Suite 210

        New Rochelle, NY 10801

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        40 W 37th St #400b

        New York, NY 10018

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        259 NY-17K #203

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        110-20 Jamaica Avenue, Suite 2H

        Queens, NY 11418

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        887 Old County Rd #K

        Riverhead, NY 11901

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        1765 Mount Hope Avenue

        Rochester, NY 14620

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        26 Broadway Suite 206

        Schenectady, NY 12305

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        2071 Clove Rd Suite 202

        Staten Island, NY 10304

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        1224 W Genesee St. Suite 201

        Syracuse, NY 13204

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        219 S West St Suite 205

        Syracuse, NY 13202

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        1160 Mc Quade Ave

        Utica, NY 13501

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        502 Court St. Suite 210

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        Easton, PA 18042

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        3800 W 12th St. Suite 6

        Erie, PA 16505

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        415 Market St. Suite# 204A

        Harrisburg, PA 17101

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        3543 Marietta Ave. Unit H2

        Lancaster, PA 17601

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        100 W Main St. Suite 502

        Lansdale, PA 19446

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        4 Keystone Ct Suite# 40

        Leola, PA 17540

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        110 S 20th St

        Philadelphia, PA 19103

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        5001 Baum Blvd Suite # 795

        Pittsburgh, PA 15213

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        243 S 5th St

        Reading, PA 19602

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        3020 Penn Ave

        Reading, PA 19609

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        734 US-4

        Rutland, VT 05701

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  • Locations
    • Connecticut
      • Bridgeport Office

        2320 Main St. Suite 2B

        Bridgeport, CT 06606

      • Danbury Office

        51 Sugar Hollow Rd #202a

        Danbury, CT 06810

      • Hartford Office

        609 Farmington Ave #LL1

        Hartford, CT 06105

      • Milford Office

        63 Cherry Street, Second Floor

        Milford, CT 06460

      • New Haven Office

        240 Bradley St

        New Haven, CT 06510

      • Norwalk Office

        161 East Ave #208

        Norwalk, CT 06851

      • Norwich Office

        315 W Main St. Suite 5

        Norwich, CT 06360

      • Stamford Office

        500 Newfield Ave #12c

        Stamford, CT 06905

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        1068 W Main St, Suite 6

        Waterbury, CT 06708

      • Waterbury Office

        1127 W Main St

        Waterbury, CT 06708

    • Florida
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        6316 San Juan Ave #15

        Jacksonville, FL 32210

      • Pinellas Park Office

        7381 114th Avenue North, Suite 403C

        Pinellas Park, FL 33773

    • Kentucky
      • Louisville Office

        501 East Broadway Suite 380

        Louisville, KY 40202

    • Massachusetts
      • Boston Office

        15 Court Square #560

        Boston, MA 02108

      • Fall River Office

        36 Fifth St. Suite 14

        Fall River, MA 02720

      • New Bedford Office

        34 Welby Rd #207

        New Bedford, MA 02745

      • Springfield Office

        235 Chestnut St., Unit 9

        Springfield, MA 01103

      • Worcester Office

        67 Millbrook St., Suite 421

        Worcester, MA 01606

    • New Jersey
      • Asbury Park Office

        603 Mattison Ave. Suite 322

        Asbury Park, NJ 07712

      • Atlantic City Office

        1125 Atlantic Ave #511

        Atlantic City, NJ 08401

      • Bordentown Office

        217 US-130

        Bordentown, NJ 08505

      • Camden Office

        808 Market St Third floor

        Camden, NJ 08102

      • Cherry Hill Office

        102 Browning Ln #5

        Cherry Hill, NJ 08003

      • Clifton Office

        85 Central Ave

        Clifton, NJ 07011

      • Edison Office

        1090 King Georges Post Road Suite 103

        Edison, NJ 08837

      • Elizabeth Office

        333 N Broad St #206

        Elizabeth, NJ 07208

      • Ewing Office

        850 Bear Tavern Rd Suite 106

        Ewing, NJ 08628

      • Jersey City Office

        840 Bergen Ave Second Floor

        Jersey City, NJ 07306

      • Millburn Office

        288 Main Street 2nd Floor

        Millburn, NJ 07041

      • Newark Office

        41-43 Manufacturers Pl

        Newark, NJ 07105

      • Paramus Office

        115 West Century Road Suite #330

        Paramus, NJ 07054

      • Parsippany Office

        14 Walsh Dr Suite 200 Room 7

        Parsippany, NJ 07054

      • Paterson Office

        847 Main St

        Paterson, NJ 07503

      • Paterson Office

        111 Washington St, Suite 111

        Paterson, NJ 07505

      • River Edge Office

        65 East Route 4

        River Edge, NJ 07661

      • Toms River Office

        25 Main Street Suite C

        Toms River, NJ 08753

      • Toms River Office

        64 Washington Street

        Toms River, NJ 08753

      • Trenton Office

        1331 Chambers Street

        Trenton, NJ 08610

      • Vineland Office

        1667 E Landis Ave suite 14

        Vineland, NJ 08361

    • New York
      • Albany Office

        21 Everett Rd Ext

        Albany, NY 12205

      • Binghamton Office

        34 Chenango St. Suite 410.

        Binghamton, NY 13904

      • Bronx Office

        111 Bruckner Blvd, Suite 301

        Bronx, NY 10454

      • Bronx Office

        1755 Watson Ave Suite 355

        Bronx, NY 10472

      • Brooklyn Office

        6400 18th Ave Second Floor

        Brooklyn, NY 11204

      • Buffalo Office

        300 Main St #8

        Buffalo, NY 14202

      • Elmira Office

        227 W Water St

        Elmira, NY 14901

      • Hempstead Office

        60 Hempstead Ave #6002

        West Hempstead, NY 11552

      • Huntington Office

        215 East Main Street, Suite 203

        Huntington, NY 11743

      • Islip Office

        55 Carleton Ave # 1

        East Islip, NY 11730

      • Middletown Office

        720 Route 17K

        Middletown, NY 10940

      • Mount Vernon Office

        6 Gramatan Ave, Suite 604E

        Mount Vernon, NY 10550

      • New Rochelle Office

        398 North Ave. Suite 210

        New Rochelle, NY 10801

      • New York Office

        11 Broadway Suite 615

        New York, NY 10022

      • New York Office

        40 W 37th St #400b

        New York, NY 10018

      • Newburgh Office

        259 NY-17K #203

        Newburgh, NY 12550

      • Queens Office

        110-20 Jamaica Avenue, Suite 2H

        Queens, NY 11418

      • Riverhead Office

        887 Old County Rd #K

        Riverhead, NY 11901

      • Rochester Office

        1765 Mount Hope Avenue

        Rochester, NY 14620

      • Schenectady Office

        26 Broadway Suite 206

        Schenectady, NY 12305

      • Staten Island Office

        2071 Clove Rd Suite 202

        Staten Island, NY 10304

      • Syracuse Office

        1224 W Genesee St. Suite 201

        Syracuse, NY 13204

      • Syracuse Office

        219 S West St Suite 205

        Syracuse, NY 13202

      • Utica Office

        1160 Mc Quade Ave

        Utica, NY 13501

      • Utica Office

        502 Court St. Suite 210

        Utica, NY 13502

      • White Plains Office

        151 E Post Rd Suite 103

        White Plains, NY 10601

      • Yonkers Office

        94 School Street Second Floor Suite # 3

        Yonkers, NY 10701

    • Ohio
      • Cleveland Office

        9605 Lorain Ave

        Cleveland, OH 44102

      • Columbus Office

        585 S Front St. #230

        Columbus, OH 43215

    • Pennsylvania
      • Allentown Office

        3037 Pike Ave

        Allentown, PA 18104

      • Bethlehem Office

        3005 Brodhead Rd Suite 101

        Bethlehem, PA 18020

      • Easton Office

        1733 Washington Blvd

        Easton, PA 18042

      • Erie Office

        3800 W 12th St. Suite 6

        Erie, PA 16505

      • Harrisburg Office

        415 Market St. Suite# 204A

        Harrisburg, PA 17101

      • Lancaster Office

        3543 Marietta Ave. Unit H2

        Lancaster, PA 17601

      • Lansdale Office

        100 W Main St. Suite 502

        Lansdale, PA 19446

      • Leola Office

        4 Keystone Ct Suite# 40

        Leola, PA 17540

      • Philadelphia Office

        110 S 20th St

        Philadelphia, PA 19103

      • Pittsburgh Office

        5001 Baum Blvd Suite # 795

        Pittsburgh, PA 15213

      • Reading Office

        243 S 5th St

        Reading, PA 19602

      • Reading Office

        3020 Penn Ave

        Reading, PA 19609

      • Scranton Office

        1150 S Main Ave #210

        Scranton, PA 18504

    • Vermont
      • Rutland Office

        734 US-4

        Rutland, VT 05701

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Consultation

Navigating Temporary Total Disability Claims in Massachusetts

Temporary disability benefits are essential in aiding recovery and financial stability, allowing employees to concentrate on regaining their health without the stress of lost income.

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  1. News
  2. Navigating Temporary Total Disability Claims in Massachusetts

Temporary Total Disability (TTD) benefits in Massachusetts play a critical role in supporting workers who sustain injuries that prevent them from working temporarily. As part of the Massachusetts Workers' Compensation system, TTD claims to offer financial assistance to injured employees, allowing them to recover without the stress of lost wages. However, understanding and navigating TTD claims can be challenging, especially when considering the application process, eligibility requirements, and potential challenges involved. This guide breaks down each aspect to ensure injured workers know what to expect and how to maximize their benefits.

What is Temporary Total Disability (TTD)?

Temporary Total Disability benefits are designed for workers who cannot perform any job duties due to a work-related injury or illness but are expected to recover fully. Under Massachusetts law, TTD aims to compensate employees by covering a portion of their lost wages. According to the Massachusetts Department of Industrial Accidents (DIA), TTD payments typically equal 60% of the worker's gross average weekly wage (AWW), calculated from the 52 weeks preceding the injury.

Key Points to Remember:

  • Eligibility: Workers must be unable to perform any job duties due to their injury or illness.
  • Duration: Benefits last for a maximum of 156 weeks (3 years), or until the worker is deemed capable of returning to work.
  • Compensation: Workers typically receive 60% of their gross AWW, though there are minimum and maximum caps based on statewide averages.

Determining Eligibility for TTD

To qualify for TTD benefits in Massachusetts, injured workers must meet specific criteria. Ensuring eligibility requires an understanding of how Massachusetts law assesses temporary total disability claims:

  1. Work-Related Injury or Illness:
    • The injury or illness must have occurred during work hours or while performing job-related duties.
    • Documentation, such as accident reports, witness statements, and medical records, helps substantiate the work-related nature of the injury.
  2. Medical Evaluation:
    • A licensed physician must confirm that the employee's condition temporarily prevents them from performing their job.
    • Regular medical evaluations are often required to track the worker's progress and determine if they can return to work.
  3. No Availability for Modified Duty:
    • Massachusetts law encourages employers to offer "light duty" or modified work if possible. Workers are only eligible for TTD if their employer cannot accommodate their restrictions.
    • Employers are obligated to make reasonable efforts to provide suitable tasks within the injured employee's physical capabilities.

Filing a TTD Claim in Massachusetts

Filing a TTD claim can seem overwhelming, especially for workers unfamiliar with the Massachusetts Workers' Compensation process. Following these steps can simplify the process:

  1. Notify the Employer:
    • Employees must report their injury to their employer as soon as possible, ideally within 24 hours of the incident.
    • Delay in reporting may result in challenges to the validity of the claim, potentially affecting benefits.
  2. Complete the Initial Paperwork:
    • Employers are responsible for filing Form 101 (Employer's First Report of Injury) with the DIA.
    • Employees may need to complete additional forms, depending on the insurer's requirements, and provide medical documentation supporting their claim.
  3. Cooperate with the Insurance Company:
    • Insurers will conduct their investigation to confirm eligibility. This process may involve interviews, reviews of medical records, and potential consultations with medical experts.
    • Employees must remain responsive and provide any additional documentation requested to avoid delays.

Common Challenges in TTD Claims

Navigating TTD claims can involve certain obstacles, ranging from employer disputes to documentation issues. Here's how to handle common challenges:

  • Claim Denial:
    • Insurance companies may deny TTD claims, often due to insufficient evidence or disputes about whether the injury is work-related.
    • If denied, workers can file an appeal with the Massachusetts DIA. The process may include conciliation, conferences, or even a formal hearing.
  • Calculation Disputes:
    • Determining the AWW is critical in calculating TTD benefits, yet disputes can arise over the accuracy of the calculation.
    • Workers should ensure accurate payroll records are submitted to avoid discrepancies in benefit amounts.
  • Employer Retaliation:
    • Unfortunately, some employers may attempt to retaliate against employees who file TTD claims. Retaliation is illegal under Massachusetts law, and workers have the right to file complaints if they experience adverse treatment due to their claim.

How Long Do TTD Benefits Last?

TTD benefits are intended to support workers through their recovery phase and are not indefinite. In Massachusetts, TTD benefits have specific time limitations:

  • Initial Benefit Period: TTD benefits can be claimed for up to 156 weeks (3 years).
  • Transition to Partial Benefits: If workers can return to work in a limited capacity but are still restricted, they may be eligible for Temporary Partial Disability (TPD) benefits, which offer partial wage replacement.
  • Permanent Disability Consideration: Workers whose conditions do not improve may qualify for Permanent Total Disability (PTD) benefits if they cannot return to any form of employment.

Note: Benefits automatically cease if a medical professional determines that the worker has fully recovered and is capable of returning to work.

Tips for a Successful TTD Claim

Given the complexities of filing a TTD claim in Massachusetts, here are some best practices to enhance the likelihood of a successful claim:

  • Document Thoroughly:
    • Maintain comprehensive records, including all medical reports, witness statements, and documentation related to the accident. Thorough documentation can strengthen your claim.
  • Seek Legal Guidance:
    • Consulting a workers' compensation attorney can help address potential issues early on, ensuring that claims are filed correctly and addressing any denials.
  • Stay Informed About Employer Responsibilities:
    • Knowing your employer's obligations under Massachusetts law can prevent misunderstandings, particularly around the provision of modified duty roles.
  • Follow Up Regularly:
    • Regularly update the insurer with your medical status and keep track of any deadlines to avoid delays in payments.

Conclusion

Navigating a Temporary Total Disability (TTD) claim in Massachusetts can be complex, but understanding the requirements, application process, and potential challenges can help injured workers receive the benefits they deserve. By maintaining detailed records, meeting deadlines, and seeking legal guidance when needed, workers can maximize their chances of securing timely and fair compensation. Temporary disability benefits play a significant role in supporting recovery and financial stability, ensuring that employees can focus on returning to full health without the added burden of lost income.

Need Legal Help? Brandon J. Broderick, Attorney at Law is One Phone Call Away

Navigating Massachusetts Workers Compensation claims can be challenging. Fortunately, you don't need to do it alone. The experienced lawyers at Brandon J. Broderick, Attorney at Law, are available 24/7 to help you understand your legal options, gather necessary evidence, and build a strong case to secure the settlement you deserve.

Contact us now for a free legal review.


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Boston, MA 02108
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Boston, MA 02108-2507
Fall River Office
36 Fifth St. Suite 14
Fall River, MA 02720
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34 Welby Rd #207
New Bedford, MA 02745
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Springfield Office
235 Chestnut St., Unit 9
Springfield, MA 01103
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67 Millbrook St., Suite 421
Worcester, MA 01606
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Contact Us

Boston Office
15 Court Square #560
Boston, MA 02108
View on Map
Boston Office
38-66 Cornhill
Boston, MA 02108-2507
Fall River Office
36 Fifth St. Suite 14
Fall River, MA 02720
View on Map
New Bedford Office
34 Welby Rd #207
New Bedford, MA 02745
View on Map
Springfield Office
235 Chestnut St., Unit 9
Springfield, MA 01103
View on Map
Worcester Office
67 Millbrook St., Suite 421
Worcester, MA 01606
View on Map
Injuries Category
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