What does “permanent total disability” (PTD) describe?

"Permanent total disability" (PTD) describes a condition where an individual experiences a complete and lasting inability to engage in any form of work due to a work-related injury or illness. This definition is crucial in the context of workers' compensation, as it signifies that the employee cannot return to their previous job or any other job for the rest of their life.

In the workers' compensation framework, PTD is a significant designation as it typically triggers ongoing benefits for the disabled worker, often amounting to a portion of their pre-injury wages. The determination of PTD involves thorough evaluation and consideration of medical evidence, the worker’s age, education, and previous work experience.

Understanding this concept is essential not only for adjusters and stakeholders in the workers' compensation system but also for employees who may be navigating their rights and benefits after a workplace injury.