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What Do All These Letters Mean?

 

There are lots of acronyms in the Workers’ Compensation system.  If you’re an injured worker navigating the Workers’ Compensation system, you’ve probably heard things that make no sense.  Maybe you’re afraid to ask, you’re intimidated by the adjuster, case manager, doctors, and your employer.  But you do have a right to ask and to know what people are saying about your care.  Here’s a list of common acronyms and what they mean:

  • TTD- Temporary Total Disability- these are the payments you receive when you’re off work due to the recommendations of the treating doctor.  TTD payments are paid weekly at 2/3 of your weekly salary.  There are other nuances to this, so if you’re receiving payments, don’t hesitate to contact us to see if these payments are being handled properly.
  • TPD- Temporary Partial Disability- these are payments when the treating doctor has you working part-time.  A portion of your salary is paid by the employer like a regular paycheck.  The remainder is paid by the insurance company.
  • MMI- Maximum Medical Improvement- this is a status that the treating doctor will determine when he or she finds that you are “as good as you’re going to get.”  It happens at the last appointment with your doctor when he or she releases you.  This can happen too soon, and is often an issue we argue.  If you hear “MMI” and are still having serious symptoms, this is the time to call us.
  • IME- Independent Medical Examination- think of this as an expert witness.  It’s often a one time evaluation by a doctor hired by either your employer or by your attorney.  This expert is very important and can change the entire course of your case.  When you hear this is being set up by the employer, it’s time to contact us.
  • PPD- Permanent Partial Disability- this isn’t mentioned until you’re released by the doctors entirely.  It’s a percentage of disability assigned by a doctor and is the number used to calculate your settlement.  This is extremely important when the time comes to consider settling your case.  Don’t settle and accept a PPD percentage without speaking to an attorney.
  • PTD- Permanent Total Disability- this is a status when you are permanently unable to return to work in any capacity.  It means that you will not be able to compete in the open labor market at all.  These payments are weekly and are paid for the remainder of your life time.  Do not enter into this territory without representation.  If you are not returning to work at all, call us right away.

If any of these terms have been tossed around by your employer/insurer/doctor, call us for a more in-depth explanation.

 

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