Sustaining a workplace injury can be a life-altering event, especially when it leads to an inability to work for an extended period. In Ohio, workers who suffer injuries that prevent them from performing their job duties may qualify for Temporary Total Disability (TTD) benefits under the state’s workers’ compensation system. These benefits provide financial relief while an injured worker recovers. However, navigating the claims process can be difficult, as it involves strict eligibility criteria, medical assessments, and potential disputes from employers or insurers.
This article explores how TTD claims work in Ohio, eligibility requirements, compensation calculations, and steps injured employees should take to ensure they receive the benefits they deserve.
What Is Temporary Total Disability in Ohio?
Temporary Total Disability (TTD) is a form of workers’ compensation designed to support employees who cannot work due to a job-related injury or illness. The primary purpose of these benefits is to replace lost wages while the injured worker recovers. However, they are not intended as a permanent solution—once the worker reaches Maximum Medical Improvement (MMI) or is cleared to return to work (even in a limited capacity), TTD benefits typically end.
In Ohio, the Bureau of Workers’ Compensation (BWC) administers TTD benefits, ensuring that injured employees receive financial assistance as long as they meet state-mandated eligibility criteria.
Who Is Eligible for TTD Benefits?
To qualify for Temporary Total Disability benefits in Ohio, an injured worker must meet the following requirements:
- Work-Related Injury or Illness – The injury must have occurred in the course of employment. This includes sudden accidents (such as falls or machinery-related injuries) and occupational illnesses that develop over time (such as repetitive strain injuries).
- Certified by a Medical Provider – A licensed medical professional must confirm that the injury prevents the worker from performing job duties and provide supporting documentation.
- Unable to Perform Job Tasks – The worker must be completely unable to work due to the injury. Partial disabilities do not qualify for TTD, but the worker may be eligible for other benefits, such as wage loss compensation.
- Compliance With Medical Treatment – The injured worker must follow prescribed treatment plans to continue receiving benefits. Failure to comply with medical recommendations may lead to termination of payments.
If the claim is approved, TTD payments continue until the worker is cleared to return to work or reaches MMI—a point at which further recovery is unlikely. If the worker is still unable to return to work at MMI, they may explore options for Permanent Partial Disability (PPD) or Permanent Total Disability (PTD) benefits.
How TTD Benefits Are Calculated in Ohio
TTD benefits are designed to compensate for lost wages, but they do not provide a full salary replacement. Instead, they are calculated based on the injured worker’s average weekly wage (AWW) before the injury.
- First 12 Weeks of TTD: The injured worker receives 72% of their full weekly wage (FWW), which represents their earnings at the time of injury.
- After 12 Weeks: The compensation rate is 66 2/3% of the worker’s AWW, up to a state-mandated maximum.
Each year, the Ohio BWC sets a maximum weekly compensation rate, which varies based on the state’s average wages. For 2024, the maximum weekly TTD benefit is $1,261. However, injured workers earning lower wages before their injury will receive benefits proportional to their previous income.
TTD benefits are not taxable, which helps offset the reduced percentage of lost wages covered by the program.
How to File a Temporary Total Disability Claim in Ohio
Successfully obtaining TTD benefits requires following a specific claims process. Here are the necessary steps:
Report the Injury Promptly
Employees should notify their employer immediately after a workplace injury occurs. Failing to report the injury in a timely manner may delay or jeopardize the claim.
Seek Medical Treatment
A physician must evaluate the injury, provide treatment recommendations, and submit the appropriate documentation to the Ohio Bureau of Workers’ Compensation (BWC).
File a Workers’ Compensation Claim (FROI-1 Form)
To initiate a claim, the injured worker (or their employer or healthcare provider) must submit a First Report of Injury (FROI-1) form to the BWC. This can be done online, via mail, or through a managed care organization (MCO).
Await Claim Determination
The BWC reviews the claim, assessing medical evidence and employer statements. If approved, TTD benefits begin shortly thereafter. If denied, the injured worker has the right to appeal the decision.
Undergo Medical Evaluations
Periodic medical exams may be required to confirm continued eligibility for benefits. The BWC or the employer’s insurance company may also request Independent Medical Examinations (IMEs) to assess the worker’s condition.
Return to Work When Cleared
Once a doctor determines that the worker can return to full duty or perform light work, TTD benefits will cease. If the worker disagrees with the assessment, they may dispute the decision through the Industrial Commission of Ohio.
Common Reasons for TTD Denial and How to Appeal
Despite meeting eligibility requirements, some workers face denied claims due to:
- Insufficient medical evidence
- Disputes over whether the injury is work-related
- Allegations that the worker can perform light-duty work
- Missed deadlines for reporting the injury
If a TTD claim is denied, the worker can file an appeal with the Ohio Industrial Commission. The appeal process involves:
- Requesting a Hearing – The injured worker submits an appeal request, and a hearing is scheduled before a Hearing Officer.
- Presenting Medical Evidence – Additional medical documentation, expert opinions, or testimony can be submitted.
- Receiving a Decision – If the decision remains unfavorable, further appeals can be made at higher levels within the Industrial Commission.
Navigating appeals can be complex, making legal representation highly beneficial in contested cases.
Conclusion
Temporary Total Disability benefits provide critical financial relief to injured workers in Ohio, allowing them to recover without the added stress of lost wages. However, successfully obtaining and maintaining these benefits requires a thorough understanding of eligibility requirements, the claims process, and potential disputes. Injured employees should report workplace injuries immediately, follow medical treatment plans, and document their condition carefully.
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Navigating an Ohio Workers Compensation Claim 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.
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