What defines a Permanent and Total Disability?

A Permanent and Total Disability is defined by a combination of factors that indicate the severity and long-term nature of the condition. To classify as such, the disability must prevent the individual from engaging in substantial gainful activity, meaning that the individual is unable to perform any work that would earn them a livelihood.

Additionally, the definition often includes disabilities that are expected to result in death or those lasting over 12 months. This multi-faceted approach ensures that individuals who are genuinely unable to work due to severe and long-lasting disabilities qualify for the associated benefits. Thus, recognizing all these conditions as part of the definition reflects a comprehensive understanding of what constitutes a Permanent and Total Disability.