When you are injured in the workplace, you can file a workers’ compensation claim to recover your medical bills and missed pay. When your injury keeps you out of work for more than a few days, you may be eligible to file a claim for temporary total disability (TTD) or State Disability Insurance (SDI) benefits through the Employment Development Department of California (EDD). Both TTD and EDD are designed to provide workers with income assistance. Each program offers weekly or bi-weekly benefits to help with your living expenses while you recover from your injuries.
Benefits of TTD and EDD in Workers’ Compensation Claims
TTD and EDD provide workers with critical financial assistance following a disabling work-related injury or illness. TTD claims are handled by workers’ compensation claims administrators, while SDI applications for Disability Insurance (DI) and Paid Family Leave (PFL) are handled by the EDD.
TTD Benefits Summary
The primary vehicle for disability benefits following an injury on the job is TTD. In California, most employers are required to carry workers’ compensation insurance to cover medical expenses, lost wages, and other losses related to a workplace injury or illness. TTD is a workers’ compensation benefit that specifically helps workers recover lost income due to a work-related injury disability.TTD benefits typically pay two-thirds of your average weekly income either weekly or bi-weekly for a maximum of 2-5 years. The length of time you can receive TTD benefits and the amount of your benefits depend on your income and the date you filed your claim.
EDD Benefits Summary
EDD benefits are usually reserved for individuals who suffered an injury due to non-work-related causes. However, EDD makes exceptions for workers whose TTD claims are denied or delayed. EDD also offers supplemental benefits for TTD recipients whose benefits are less than the allotted Disability Insurance (DI) value. EDD benefits for disability are between 60% and 70% of the weekly amount you earned 5-18 months before the start of your disability claim. EDD benefits are meant to be a short-term solution, so they have a maximum benefit date of 52 weeks. California’s Labor Code dictates the maximum and minimum monetary value for disability payments under DI.
Eligibility Requirements for Workers Applying for TTD and EDD Benefits
EDD provides a financial safety net for injured workers following a TTD benefit denial or delay. Although these programs are designed to support disabled workers, you must still meet strict eligibility requirements to qualify.
TTD Eligibility Requirements
To be eligible for TDD benefits, you must be injured on the job and unable to return to work for at least three days. You can also apply for TTD benefits if you were hospitalized overnight due to a work-caused injury or illness. Additionally, you must prove that your employer did not offer alternative work at your income level and within your disability’s limitations.
EDD Eligibility Requirements
TTD is often the benefit of choice for workers’ compensation claims. However, not all workers are eligible for TTD, which is where EDD can help. For example, an independent contractor who is injured while working for a client may not qualify for workers’ compensation coverage. They could, however, qualify for EDD disability insurance if they meet the eligibility requirements. Like Social Security, DI through EDD requires you to contribute to the SDI program to receive its benefits. You must prove you paid SDI deductions on at least $300 worth of income in the 12-month base period of your claim. To apply, you must be under the care of a doctor within 8 days of your injury, and your treating doctor must submit a Physician/ Practitioner Certification to the EDD. Your application form is a Claim for Disability Insurance Benefits form, which you can only submit between 9 and 49 days after your injury.
Part-Time Benefits for Workers’ Compensation Claims
If your employer offers you the option to work a position more suited to your abilities following a workplace injury, you can still seek part-time benefits through workers’ compensation or EDD.
Temporary Partial Disability Benefits
Like TTD, temporary partial disability (TPD) benefits are handled by workers’ compensation claims administrators. You may be eligible for a TPD benefit if you earn less than you did before your workplace injury. For instance, if your employer offers you fewer hours, or your injuries only allow you to work part-time, you can apply for TPD to supplement your income. TPD benefits are usually two-thirds of your lost income, subject to maximum and minimum limitations established by California law.
EDD Part-Time, Intermittent, and Reduced Work Benefits
You can also claim EDD disability benefits if you work part-time, intermittently, or for reduced income following a disabling injury. To qualify, you must prove that you have reduced hours or reduced wages because of your disability.You must still meet the $300 minimum requirement for wages paid into SDI in your 12-month base period. As with full-time DI benefit applications, you must also be under a physician’s care, obtain a disability certification, and file your benefits claim within the 9-to-49-day time frame.
A Workers’ Compensation Lawyer Can Help With Your EDD and TDD Claims
When you suffer a disabling injury at work, a workers’ compensation claim is the first step in a long process. A workers’ compensation attorney Los Angeles can explain the benefits of TTD and EDD and how they apply to your situation. In addition, an attorney familiar with California’s workers’ compensation and SDI programs and policies can help you navigate the application process. When you face stubborn insurance representatives or complicated document requests, a workers compensation lawyer can advocate for your legal rights.
Contact KJT Law Group For a Free Workers’ Comp Consultation
If you or someone you love is disabled due to a work injury, the legal team at KJT Law Group can guide you through the TTD and EDD claims process. Reach out to our attorneys online or call us at (818) 507-8525 to discuss the benefits of TTD and EDD in your workers’ compensation case.