Permanent Total Disability — Insurance Claims Definition
Workers Comp
Benefits when a worker cannot return to any gainful employment after maximum medical improvement.
PTD is the most severe wage benefit category, sometimes paying for life or lump sum depending on state. Vocational evidence and medical opinions determine ability to work in any capacity.
Examples
After a catastrophic injury, a worker cannot perform any sedentary job; PTD benefits are awarded per statute.
Common Mistakes
Disputes over sedentary work capacity. Insurers may offer structured settlements — legal counsel advised.
