If you have been injured in the workplace in a manner that prevents you from ever being able to work again, you may be eligible for permanent total disability (PTD) benefits. In this article, we’ll define and explain PTD.
Permanent total disability, also called PTD or total permanent disability, is a condition under which a person is no longer able to work due to injuries. In contrast to permanent partial disability (PPD), PTD refers to situations in which the individual may never be able to work again.
Permanent total disability is used as a designation for worker’s compensation insurance, a type of insurance that covers people who are injured on the job and cannot work as a result. Insurance companies differentiate between temporary and permanent disability and partial and total disability and pay out benefits accordingly.
Permanent total disability is the most extreme disability designation. A person will not receive PTD designation until their medical condition reaches a point where there are no further treatment options available or improvement expected.
Examples of injuries that count as permanent total disability include:
The exact amount paid for individuals with a permanent total disability depends on the state they are located in. It is typically based on a percentage of the person’s wage at the time of injury or the average wage of a certain region.
There are three types of permanent total disability. These include the following.
Insurance companies have a financial interest in offering insured individuals the lowest possible payout. As such, it can be difficult to receive permanent total disability status. If you find yourself in a situation in which you are injured, cannot work, and want to seek out this benefit, it is highly recommended to work with an experienced personal injury attorney. They will be able to work to get the testimony of physicians and rehabilitation experts to back up your claim. This will increase your likelihood of being able to secure permanent total disability status and be compensated fairly for your loss.