Permanent and Total Disability (PTD) definition
Permanent and Total Disability (PTD) means the inability of the employee to perform any occupation for wage or profit for which he/she is trained, educated or has the background to perform. The PTD must begin within 180 days of the date of the accident and be determined by a physician. The employee must be under the continued care of a physician and the employee must have been permanently and totally disabled consecutively for at least 6 months (12 months for the 104 or 156 week benefit period).