Disability Group, Inc.

Total, Partial & Permanent Disability

What is the difference between partial and permanent disability?

First, to qualify for benefits, you must prove that your disability falls into at least one of the following categories: temporary total disability (TTD), permanent partial disability (PPD) or permanent total disability (PTD). To be placed into any of these categories, you must be evaluated by your physician so he or she can assign you a percentage of how disabled you are from a scale of 0 – 100. Depending on your level of ability/disability, this evaluation will be sent to another doctor or specialist who will perform an independent medical examination (IME) to give a second opinion and prove the initial diagnosis one way or another.

In terms of compensation, the Social Security Disability program pays those who have lasting and total disability. The Supplemental Security Income program, on the other hand, reimburses individuals who have short-term and partial impairments – if he or she can prove low income.

For a Free Evaluation of your TTD, PPD or PTD claim, give us a call at (800) 997-1338 now.

What do all of these terms mean?

  • Temporary disability means that your condition will most likely improve greatly over time.
  • Partial disability occurs when only some of the skills necessary to complete your job are compromised by your debilitation.
  • Total disability means that you cannot complete any of the necessary tasks required by your job due to your circumstance.
  • Permanent disability means that your condition will stay the same over time and will not improve very much.

Here is a list of examples to help explain each type:

Temporary Total (TTD)

EX: You are a truck driver but you’ve broken both of your arms.

You cannot perform any of your normal career duties right now. Your benefits are based on a percentage of average weekly wages and paid at your full wage rate. After 104 weeks of receiving benefits, you will be reevaluated by a physician. If your disability percentage is below 50% – meaning that you’ve recovered and, for the most part, are able to continue your job – you will then be categorized as having permanent partial disability.

Permanent Partial (PPD)

EX: You are an administrative assistant and have potentially serious back issues.

This is the most frequent type of claim. PPD means you can perform some or most of your job duties but your condition will probably not improve very much, if at all. You can return to some form of work, but chances are, you’ll earn less due to a lack of ability.

Your wage loss benefits are based on the difference between what you earn now and what you used to earn before the occurrence or diagnosis. These benefits can last 500 weeks from when your disability was officially documented.

Permanent Total (PTD)

EX: Due to a number of serious injuries, you are unable work at all.

Your physician will test your functionality levels and this data will be checked by an Independent Medical Examination (IME) doctor to ensure accuracy. If both doctors agree that you will not be able to return to any kind of employment, you will be given a disability rating of 100%. Your benefits will be two-thirds your overall weekly wage at the time of your diagnosis.

Do I Need a Lawyer for Total or Partial Disability Claims?

An experienced social security disability lawyer can help you go about this process of determining your level of disability with ease. He or she will tell you what you need to know so that you will get the most compensation for your condition.

Call toll-free at (800)-997-1338 or Email us here to receive more information about filing for disability and finding case support.