Permanent Total Disability (PTD)

The most serious workers’ comp category: a lasting injury that keeps someone from ever returning to gainful work, triggering long-term wage benefits.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.