Permanent Partial Disability — Insurance Claims Definition
Workers Comp
Benefits for permanent impairment that limits but does not eliminate ability to work.
PPD may be scheduled (lost finger with fixed weeks) or unscheduled (whole person impairment). Ratings follow AMA guides or state-specific schedules.
Examples
A worker loses partial use of a hand; receives 15% PPD award per state schedule after MMI.
Common Mistakes
Rushing settlement before MMI undervalues claim. Fighting every impairment point drives litigation costs.
