TTD? MMI? PTD? What exactly do these acronyms mean?
Workers' compensation is confusing enough without seeing all of the acronyms associated with the process.
This page offers an overview of 19 common acronyms and abbreviations you may see and/or hear during the workers' compensation process in Florida.
ADL: Activities of Daily LivingThese activities include self-care, personal hygiene, communication, physical activities such as sitting and standing, sleep, and sensory functions. If your injury is serious enough to affect these activities, your attorney may pursue more benefits on your behalf to compensate for the hardship.
AWL: Actual Wage LossIf your case goes to court or reaches the settlement stage, your attorney may argue your actual wage loss. Your injury may have prevented you from earning a lot of money over time, which shouldn't go unnoticed.
AWW: Average Weekly WageDepending on the severity of your injuries, you may not be able to continue working. Your attorney can determine the lost wage benefits you are eligible to receive by using the formula expressed in the Florida statute.
COLA: Cost of Living AdjustmentSome benefits from a workers' compensation claim may be paid for years, possibly even a lifetime. If this happens, factors in the economy may demand that the payment change over time. For example, a loaf of bread costs more now than it did 20 years ago. To make up for this change, a cost of living adjustment may have to be made on benefits.
CTS: Carpal Tunnel SyndromeThis impairment can be caused by numerous things, not just repeatedly typing for long periods of time at work. These types of claims can be difficult to collect benefits for, as you must prove that your injury was caused by your work environment.
E/C: Employer/CarrierThis acronym appears in the general release of a workers' compensation claim. It refers to your employer and their insurance carrier. A release gets rid of their liability for your injuries, and it should only be signed after discussing your future medical costs with a doctor and your attorney.
FEC: Future Earning CapacityThis number appears often with the injured employee's impairment rating. It is used to make the argument for benefits based on the amount you would have made had you not been injured. If you are seriously injured and can no longer work, then your future earning capacity should be factored into the amount of wages you are trying to collect.
FL: Functional LimitationIf your injuries require medical attention but don't prevent you from doing your job, your attorney may include a description of your functional limitation in the paperwork for your case. For example, if you twisted your ankle at work, but sit down to do most of your job, then that is your functional limitation. Be sure to follow all doctors orders during the recovery from an on-the-job injury.
IR: Impairment RatingYou might see this acronym appear with other ones, such as "TTD" or "PTD." It is the level of impairment as determined by your doctor. If you can recover from your injuries and are able to lead a relatively uninterrupted lifestyle during recovery, your doctor might assign a temporary partial disability rating in your case.
LDP/LDW: Last Day Paid/Last Day WorkedThis acronym may show up in a settlement when discussing the calculation of lost wages. There is a formula for calculating the lost wages that can be repaid to an employee, and these dates may be critical to the equation.
MMI: Maximum Medical ImprovementYour doctor will determine that you have reached maximum medical improvement if there is no longer a reasonable expectation that your injuries can improve with continued medical care. You may still be entitled to benefits in some cases when this point is reached. You may see this acronym appear with impairment ratings such as permanent total disability or temporary partial disability.
PI: Permanent ImpairmentPermanent Impairment is a classification of injury, much like the impairment ratings. If an employee dies as a result of a workplace accident, their family may be entitled to benefits that are paid under permanent impairment circumstances. Because the PI benefits are paid for a long period of time, the case may be put before a review committee.
PTD: Permanent Total DisabilityPermanent Total Disability is an impairment rating issued by an authorized physician. Amputation of body parts, severe head or spinal cord injuries, and severe communication disturbances are presumed to fall into this category if the employee is unable to engage in sedentary employment within 50 miles of their home.
PTSD: Post-traumatic Stress DisorderPost-traumatic stress disorder is found in people who have been injured in or experienced a particularly disturbing event. PTSD is found in veterans, car accident survivors, and other people who have been psychologically affected by the events in their lives. If your injury happened under intensely upsetting circumstances, let your lawyer know so that they may pursue benefits for psychological needs.
SOL: Statute of LimitationsA statute of limitations is the time period that an injured worker has to file a case. An employee has 30 days from the "date of or initial manifestation of the injury" to file for benefits. There are exceptions to this rule that an attorney can share with you if you are considering a claim.
SSA: Social Security AdministrationThe Social Security Administration is responsible for the payment of specific benefits. If your workplace injury results in you being disabled, you can file to collect social security disability benefits if you meet qualifications.
SSD: Social Security DisabilitySocial Security Disability benefits are paid to those who have a mental, physical, or a combination of these limitations that prevent them from "substantial gainful activity."
TPD: Temporary Partial DisabilityAn employee who is issued a Temporary Partial Disability impairment rating is expected to be able to return to work within a reasonable period of time. Their benefits are affected by the wages they earn during a trial period of returning to work.
TTD: Temporary Total Disability
The circumstances for a Temporary Total Disability impairment rating is similar to Permanent Total Disability, such as loss of limbs, loss of sight, or other severe impairments. However, if an employee is able to do light, sedentary work within 50 miles of their home, then their benefits will correspond with what the law says about TTD benefits.
- My Workers' Comp Doctor is Not Helping Me. What Can I Do?
- How Do I Recover Wages After an On-the-Job Injury?
- Free PDF download of Wade Coye's workers' compensation book, Sharing the Secrets, Learning the Lies.