Florida Workers' Comp Benefits: TTD, TPD, PTD & Medical Coverage (2026)

Florida workers' compensation provides several types of benefits for workplace injuries. Understanding Temporary Total Disability (TTD), Temporary Partial Disability (TPD), Permanent Total Disability (PTD), Impairment Income Benefits (IIB), and medical benefits ensures you receive all compensation you're entitled to.

Medical Benefits

Coverage: All medically necessary treatment for work-related injury

Lifetime medical: No time limit on medical care

Includes:

• Doctor visits and specialist care
• Hospital treatment and surgery
• Prescription medication
• Physical therapy and rehabilitation
• Medical equipment (crutches, wheelchairs)
• Mileage reimbursement (44.5 cents/mile in 2024)

Authorized treating physician: Must treat with employer's authorized doctor

One-time change: Can request different authorized doctor after first visit

No co-pays or deductibles: All approved treatment paid by carrier

Temporary Total Disability (TTD)

When you qualify: Completely unable to work due to injury

Waiting period: First 7 days of disability (no benefits paid)

Exception: If disabled more than 21 days, retroactive payment for first 7 days

Benefit amount: 66.67% of average weekly wage (AWW)

Maximum weekly benefit (2026): $1,145

Minimum: $20/week

Duration: Until reach Maximum Medical Improvement (MMI) OR return to work

Maximum duration: 104 weeks (with extensions possible for specific injuries)

Example: AWW $1,500/week → TTD = $1,000/week (66.67% of $1,500)

Example: AWW $2,000/week → TTD = $1,145/week (hits maximum cap)

Florida Statute § 440.15: Governs temporary disability benefits

Temporary Partial Disability (TPD)

When you qualify: Can work but earning less than pre-injury wages

Benefit amount: 80% of difference between pre-injury and current wages

Maximum: Same as TTD ($1,145/week in 2026)

Duration: Until MMI

Calculation:

• Pre-injury AWW: $1,000/week
• Current light-duty wages: $600/week
• Difference: $400/week
• TPD: 80% × $400 = $320/week

Encourages return to work: Higher percentage than TTD to incentivize working

Impairment Income Benefits (IIB)

When you qualify: Permanent impairment rating assigned at MMI

Not maximum: Not same as Permanent Total Disability (different benefit)

Impairment rating: Doctor assigns percentage of permanent impairment (0-100%)

Uses: AMA Guides to the Evaluation of Permanent Impairment

Duration: Based on impairment percentage and body part

Calculation:

• 1-10% impairment: 2 weeks per percentage point
• 11-15% impairment: 3 weeks per percentage point
• 16-20% impairment: 4 weeks per percentage point
• 21%+ impairment: 6 weeks per percentage point

Benefit amount: 75% of TTD rate

Example: 15% impairment, TTD rate $1,000/week

• Weeks: (10 × 2) + (5 × 3) = 35 weeks
• Amount: $750/week × 35 weeks = $26,250 total

Body part supplements: Additional weeks for specific body parts (spine, brain, etc.)

Permanent Total Disability (PTD)

When you qualify: Permanently unable to perform any gainful employment

Catastrophic injuries:

• Spinal cord injury with severe paralysis
• Amputation of both hands, both feet, or one hand and one foot
• Severe brain or closed-head injury
• Second or third-degree burns over 25%+ of body

Other permanent total: Must prove cannot work in ANY job

Benefit amount: 66.67% of AWW

Maximum: $1,145/week (2026)

Duration: For life or until reach age 75 (whichever is longer)

Extremely valuable: Lifetime income replacement

Difficult to prove: If not catastrophic injury, high burden to show totally disabled

Vocational assessment: Often requires vocational expert testimony

Supplemental Benefits

PTD supplement: Additional 3% per year for first 10 years if on PTD

Purpose: Help offset inflation

Example: $1,000/week PTD → Year 2: $1,030/week → Year 3: $1,060.90/week

Death Benefits

When payable: Employee dies from work-related injury

Eligible beneficiaries:

• Surviving spouse
• Children under 18 (or under 22 if full-time student)
• Other dependents

Benefit amount: 50% of AWW to spouse (if no children); 66.67% if spouse and children

Maximum: $1,145/week (2026)

Duration:

• Spouse: Until remarriage (lump sum equal to 2 years of benefits upon remarriage)
• Children: Until age 18 (22 if student)

Burial expenses: Up to $7,500

Children's educational expenses: Up to $50,000 total

Average Weekly Wage (AWW) Calculation

What it is: Your average earnings used to calculate benefit amounts

Florida Statute § 440.14: Defines AWW calculation

Method:

1. Total gross wages 13 weeks before injury
2. Divide by 13
3. If didn't work 13 weeks, annualize actual wages

Includes: Regular wages, overtime, bonuses, commissions

Excludes: Tips, fringe benefits

Part-time workers: AWW based on actual part-time wages

Multiple jobs: May include wages from concurrent employment

Example:

• Total wages last 13 weeks: $18,200
• AWW: $18,200 ÷ 13 = $1,400/week

Maximum Medical Improvement (MMI)

Definition: Condition has stabilized and unlikely to improve significantly

Who decides: Authorized treating physician

Triggers: End of TTD/TPD, beginning of impairment rating and IIB

Impairment rating assigned: Percentage of permanent impairment

Work restrictions: Permanent limitations identified

Learn more: Maximum Medical Improvement in Florida

Benefits Comparison Table

Maximum weekly benefit (all types): $1,145 (2026)

What Benefits Don't Cover

Pain and suffering: Not compensable in workers' comp

Punitive damages: Not available

Full wage replacement: Only 66.67-80% of wages

Household services: Typically not covered

Loss of consortium: Spouse cannot claim

Vocational Rehabilitation

When available: If cannot return to pre-injury job

Services may include:

• Job search assistance
• Skills assessment
• Resume preparation
• Interview training

Not tuition: Florida doesn't pay for retraining or education

Carrier discretion: Not guaranteed benefit

Reemployment Services

Supplemental Benefit Adjustment (SBA): Additional payment if permanent restrictions prevent return to same work

Amount: Up to $5,000 one-time payment for retraining/job search

Criteria: Permanent work restrictions, cannot return to pre-injury job

Florida Statute § 440.491: Governs reemployment services

FAQs

Q: How much will I receive in Florida workers' comp? A: 66.67% of your average weekly wage for TTD, up to maximum $1,145/week (2026).

Q: How long do workers' comp benefits last in Florida? A: TTD up to 104 weeks. IIB based on impairment rating. PTD for life.

Q: Can I get a lump sum settlement in Florida? A: Yes, settlements are allowed for both medical and indemnity benefits.

Q: What if I can never work again? A: May qualify for Permanent Total Disability (PTD) benefits for life.

Q: Do I pay taxes on workers' comp benefits? A: No, benefits are not taxable income.

Q: What's the maximum workers' comp benefit in Florida? A: $1,145/week maximum for all benefit types (2026).

Q: Can I work while receiving benefits? A: Yes, and may receive TPD for wage difference. IIB not reduced by work.

Q: What if I have a pre-existing condition? A: Can still receive benefits, but rating may be apportioned.

Related Topics

• Filing a Florida Workers' Comp Claim
• Returning to Work in Florida
• Maximum Medical Improvement
• Florida Workers' Compensation Overview

Legal Disclaimer

This guide provides general information about Florida workers' compensation benefits. Benefit calculations are complex and depend on your specific circumstances. Consult a qualified Florida workers' compensation attorney to ensure you receive all benefits you're entitled to.

Last updated: January 5, 2026