PERMANENT TOTAL DISABILITY (PTD)
Permanent Total Disability is defined as:
(a) The permanent and complete loss of use of both hands, both arms, both feet, both legs, both eyes, or any two such parts (one leg and one arm, etc.); or
(b) A complete disability that renders the injured employee permanently unable to perform any kind of work for which there is a reasonably stable job market.
The second scenario is generally the more common one, and refers to a situation where because of your permanent medical restrictions, age, skill set, level of education, prior work experience, or any combination of these or other factors, there simply is no employer that would find you employable or no job that you could realistically perform to earn a wage.
If you are found to be permanently and totally disabled, you will be entitled to a weekly benefit equal to 2/3 (66 2/3%) of your Average Weekly Wage (AWW) subject to certain minimum and maximum benefits set by the State. This can potentially be a lifetime benefit as long as you remain permanently disabled.