Temporary total disability (TTD) benefits are paid to the injured employee who must lose time from work to recover from a work-related injury or disease. The employee is entitled to collect TTD benefits until he is able to return to work that is reasonably available to him or her TTD Benefits are paid at the same interval the employee was paid before the injury or exposure. It may take as long as 14 days from the time the employer received notice of the injury or disease before payments begin. TTD Payments are not paid for the 3 work days lost to a work-related injury or disease, unless the disability continues for 14 or more calendar days. The benefit is two-thirds (66 2/3%) of the employee's gross average weekly wage, subject to certain limits. The average is based on the employee's wages during the year before the injury or exposure. The rate is fixed at the time of the injury, and does not change with changes in the employee's salary or statewide average weekly wage. If an employee was working for two or more different jobs, the TTD rate may be based on the combined gross income from all jobs. This will only apply if the employer for whom he or she was working at the time of the accident or disease had prior knowledge that the employee was working another job. Overtime is generally not included in the calculation of the average weekly wage. Overtime pay is included, however, under the Worker's Occupational Diseases Act. If the employer stops or with holds payment of TTD benefits before the employee returns to work, the employer must give the employee a written explanation on the date of the last TTD payment. Furthermore, the employer may be subject to penalties for failure to provide the employee with written notice.