Have you been injured at work? Are you currently being medically treated
for a work injury and feel in the dark about your care and all of the
confusing terms used by both the doctors and the insurance company?
Below is a brief summary of the most commonly used acronyms in workers
compensation in Indiana. Familiarizing yourself with these terms will
allow you to better understand the “lingo” while in the doctor’s
office for treatment or on the phone with the insurance company.
Average Weekly Wage (AWW):
Average Weekly wage of the employee for the 52 weeks before the injury.
If the employee has not worked 52 weeks for the employer, AWW is determined
by taking the total wages earned divided by the number of weeks worked.
Temporary Total Disability (TTD):
If an employee has been taken off work by the employer-authorized physician
for longer than seven (7) days they should begin receiving TTD payments.
These payments take the place of their normal paychecks and should be
2/3 of the AWW.
Temporary Partial Disability (TPD):
The same as TTD except this is for an employee who has returned to work
part-time. The employer will pay the employee for the hours that they
work and TPD will cover 2/3rds of the rest up to the employee’s AWW.
Maximum Medical Improvement (MMI):
When an employee is released from medical treatment by the employer-authorized
physician they are released at MMI. This means that they have reached
a point in their treatment where further treatment would not improve their
Independent Medical Examination (IME):
When scheduled by the Worker’s Compensation Board, an evaluation
by a doctor is to determine whether or not the employee is at MMI, and
if not what additional treatment is needed. When scheduled by our law
firm, it is an evaluation by a doctor we choose to get a second opinion
on the PPI rating.
Application for Adjustment of Claim (Application):
Equivalent to a lawsuit in a civil suit. This must be filed to protect
a statute of limitations.
We understand this can be a very difficult time in a person’s life.
Often times, the injured person was carrying the weight of the household
expenses and suddenly left without any income. Call us if you have questions
about work comp or have been injured at work. We can help.