Workers Comp TTD Calculator — Temporary Total Disability by State
Calculate temporary total disability (TTD) weekly benefit under state workers compensation. Uses 66 2/3% of average weekly wage with state-specific min/max caps and waiting period. Free, private, 2026 rates.
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What is Temporary Total Disability (TTD)?
Temporary Total Disability (TTD) is the wage-replacement benefit a workers compensation insurer pays an injured worker who cannot work at all for a temporary period. Every U.S. state and the federal LHWCA program provides TTD, though formulas differ. The most common formula is 66 2/3% of the worker's average weekly wage (AWW), subject to a state-set weekly maximum tied to the state's average weekly wage (SAWW) and a weekly minimum. TTD continues until the worker reaches maximum medical improvement (MMI), returns to work, or the cap on duration is hit.
TTD benefits are tax-free under IRC 104(a)(1), which makes a 66.67% gross benefit roughly equivalent to 80-90% of net take-home for most workers. That's why the percentage looks lower than unemployment — it's already after federal and state income tax. Some states (Michigan, North Dakota) use a spendable-earnings formula that nets out income tax and FICA explicitly.
State-by-state formula differences
Most states use 66 2/3% of AWW, but several deviate. Texas uses 70% (or 75% for low earners). Ohio uses 72% of AWW for the first 12 weeks, then 66.67% afterward. Michigan uses 80% of after-tax wages. New Jersey uses 70% of AWW. Washington adjusts for dependents — single workers get 60%, married workers 65%, plus 2% per dependent child up to 75% max.
Maximum weekly benefit caps for 2026 range from $800/week in Georgia (lowest) to over $2,055/week in Washington and $2,008 in Illinois. California is at $1,680.29/week. Workers earning above the cap get only the cap amount — high earners effectively see a much lower wage replacement rate. Waiting periods also vary: California and Illinois have 3-day waits, most others 7 days. Many states pay retroactively to day one if disability exceeds 14-21 days.
How average weekly wage (AWW) is calculated
AWW is the foundation. Most states average the worker's gross earnings over the 52 weeks before injury, including overtime, bonuses, and certain fringe benefits like employer-paid health insurance. Workers with under a year of service use the highest 13 of the last 26 weeks, or the wage of a similar employee. Seasonal workers and tipped employees often have special rules (e.g., New York's "similar employee" rule, California's Labor Code 4453).
Common AWW errors that under-pay claimants: forgetting overtime, excluding earned bonuses, missing concurrent employment (in states like Pennsylvania and Massachusetts), and using the wrong 52-week period. The American Bar Association's Workers Compensation Section guide and Nolo's state-by-state workers comp resource both warn that AWW disputes are the most common source of underpayment. Always request the insurer's AWW worksheet in writing.
Sources: dol.gov OWCP, americanbar.org Workers Compensation Section, nolo.com state guides, state workers comp board rate orders (2026). Last updated: May 2026.