Total Permanent Disability Claims - How It Works?
Under workers' compensation laws, Permanent Total Disability ("PTD") is awarded when due to an occupational injury or disease, an employee is not anymore able to work in any job for which he or she are suited by education, training, or experience. In order to qualify for PTD award, the injured employee should prove that he or she is not able to come back to work in any capacity and that his or her injury is a permanent condition. To qualify for a PTD award, the injured worker should receive a disability rating of 100% from an examining doctor for their injury. The Laws Regarding PTD Are Formulated On State Level When it comes to workers' total and permanent disability claims the laws are generally on a state level. Because of that, definitions of what is PTD differ from state to state. However, a standard definition of PTD would involve loss of arms or legs, two eyes, or absence from work for six months or more as a result of an occupational injury or illnes