Under workers' compensation insurance, it is a condition which actually or presumptively is considered the equivalent of a complete and permanent loss of sight, loss of both hands or both legs, and shall constitute permanent total disability regardless of the insured's ability to do some work.

PTD benefits are available if an injured employee is permanently and totally disabled from work.

The employee's wage-earning capacity is permanently and totally lost.  There is no limit on the number of weeks payable.  In certain instances, an employee may continue to engage in business or employment, if his/her wages, combined with the weekly benefit, do not exceed the maximums set by law.

Generally means that a person is unable to do any type of work of any kind and that person is completely and permanently incapable of engaging in any type of substantial gainful activities.

workers’ compensation benefits are paid when an injured worker sustains a total loss of earning capacity.