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Temporary Total Disability (TTD)
The money you get when you can’t work

If you miss more than seven days of work because of your injury, you may be entitled to TTD compensation — the bi-weekly check you receive while unable to return to work.

If you miss more than seven days of work because of your injury, you may be entitled to Temporary Total Disability (TTD) compensation. This is the bi-weekly check you receive during the period you are unable to return to work.

The calculation works in two phases: if you are disabled for less than 12 weeks, TTD Compensation is calculated based on all wages earned in the 6 weeks prior to the injury (including overtime), divided by 6 and on all wages earned in the week prior to the injury (excluding overtime). Whichever figure is greater is the one used to set your Full Weekly Wage (FWW). If you are disabled for more than 12 weeks, payment of TTD is based on your Average Weekly Wage (AWW) for the full year prior to your injury.

TTD payment rates

Weeks 1–12 (based on Full Weekly Wage)72%
Week 13 and beyond (based on Average Weekly Wage)66.667%
Minimum days missed to qualify7 days

Critical: (1) If you miss fewer than 14 days, you are only compensated starting from day 8 (e.g., miss 8 days = 1 day of pay, miss 13 days = 6 days of pay). If you are off work for 14 or more days (not counting the day you are injured and not counting the day you return to work), then you are paid for all days including the first seven; (2) It is extremely important that your FWW and AWW are correctly calculated. Even a small error quietly steals from every weekly check — sometimes for years. Injured workers who held multiple jobs in the 52 weeks before their injury must include wages from ALL employers. Mike has seen uncorrected AWW errors cost clients over $26,000 across a 4-year TTD period.

Important: If the BWC or your employer’s doctor declares you at Maximum Medical Improvement (MMI), TTD stops — but your claim is NOT over. See Wage Loss and PPD for what may come next.

Questions about your TTD rate or how long you can receive it?

Frequently asked questions

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DISCLAIMER: THIS IS NOT LEGAL ADVICE.

By accessing any website page or website post, the reader agrees that (1) The information above is general in nature and is not legal advice; (2) No attorney-client relationship is created; (3) Each claim is unique and must be carefully evaluated on its specific facts under current Ohio law and the most recent court decisions; and, (4) Such evaluations require advice from an experienced Ohio Workers' Compensation Attorney.