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Am I Entitled to Benefits from Insurance When I Can’t Work?

If your doctor does not clear you to return to work, or your employer cannot accommodate any restrictions, you will receive temporary total disability (TTD). Temporary total disability payments are usually two-thirds of the wages you were earning before you were injured.  

Example: If the gross wages that you would be earning if you were not injured are $300 per week, your TTD payments are $200 per week. You can’t receive more than a maximum weekly amount set by law. 

You’ll need to discuss with your employer how your TTD payments work with your insurance coverage. Traditionally, you might pay for your health insurance premium through a deduction from your paycheck. You might need to pay this premium separately while on TTD.  

Be sure to contact your employer in advance, or you might unknowingly lose your coverage.