Temporary Total Disability Attorney in St. Louis, Missouri

The Law Office of Steve Slough is a dedicated ally for individuals facing Temporary Total Disability (TTD) issues. Attorney Steve Slough brings a unique perspective to the table, having worked in insurance defense before turning his skills toward helping people secure the benefits they deserve.  

Our firm serves clients in Clayton, Missouri, St. Louis County, St. Charles County, Madison County, and St. Clair County.

Why reach out to us? Because handling TTD claims can be complicated, and you deserve personalized, face-to-face assistance from a workers' comp legal advocate committed to seeing your case through to the end. 

What Is Temporary Total Disability? 

Temporary Total Disability (TTD) refers to a condition in which an individual is completely unable to work for a temporary period due to a work-related injury or illness. Unlike permanent disabilities, TTD is expected to improve over time, allowing the injured worker to eventually return to their job.  

During this period, workers are often entitled to certain benefits to help cover lost wages and medical expenses. Employees should report their injuries promptly to their employer to facilitate the claim process and ensure they receive the necessary benefits.  

The duration of TTD can vary significantly, depending on the severity of the injury and the individual's recovery process. It often requires ongoing medical assessments to establish the individual's ability to return to work.  

Temporary Total Disability Laws in Missouri 

Missouri law mandates that employers provide TTD benefits to employees who suffer from work-related injuries that temporarily render them unable to work. These benefits typically equate to two-thirds of the employee's average weekly wage. However, factors such as overtime, bonuses, and average work hours can complicate calculating this amount. 

In Missouri, TTD benefits continue until one of the following occurs: 

• The employee reaches maximum medical improvement (MMI), meaning further recovery is not expected. 

• The employee can return to work in some capacity. 

• The employee reaches 400 weeks of TTD payments, though this is rare. 

Reporting Requirements 

To qualify for TTD benefits, employees must notify their employer of the injury within 30 days. Failing to report the injury within this timeframe can result in the denial of benefits. Employees must document the incident and any related correspondence to support their claim. 

Subrogation Rights 

If an employee receives TTD benefits and later pursues a third-party lawsuit related to the workplace injury, Missouri law allows the employer to seek reimbursement for a portion of the benefits paid. This is known as subrogation and requires clear legal guidance when navigating TTD claims while considering potential lawsuits. 

Modification of Benefits 

TTD benefits can be modified or terminated based on medical evidence. If a treating physician determines that an employee has reached maximum medical improvement or that their work capabilities have changed, the employer or insurance provider may petition to adjust or cease TTD payments accordingly. 

Filing a TTD Claim 

Filing a TTD claim involves the following steps: 

• Report the injury: As soon as you become aware of your work-related injury or illness, report it to your employer. Prompt notification is crucial for initiating your claim and ensuring you receive benefits. 

• Complete the paperwork: After reporting the injury, your employer will provide the necessary forms to complete for filing a TTD claim. Ensure that all forms are filled out accurately and submitted promptly to avoid delays. 

• Seek medical attention: Obtain medical treatment for your injury, and keep detailed records of all medical visits, diagnoses, and treatments. Your medical documentation will support your claim and establish the necessity for TTD benefits. 

• Maintain communication: Stay in contact with your employer and the insurance company throughout the claims process. Be prepared to answer questions regarding your condition, treatment, and any changes in your ability to work. 

• Consult with an attorney: Consider seeking legal advice, especially if complications arise during your claim process. An experienced attorney can help handle your TTD claim so that you receive the benefits you deserve. 

Benefits of Full Compensation 

Full compensation reduces the financial burden caused by a work-related injury. In addition to lost wages, reclaiming medical expenses covers treatments, medications, and any necessary ongoing therapy for healing. Moreover, rehabilitation costs, including physical therapy or occupational therapy, play an important role in helping individuals regain their capabilities and improve their quality of life as they transition back to work.