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What does permanent partial disability indicate?

The insured has a temporary condition affecting work

There is an irreversible injury but the insured can still work

Permanent partial disability refers to a situation where an individual has suffered an injury that is irreversible but does not result in a total inability to work. This means that while the injury may limit the individual's capacity to perform certain tasks or functions, they are still capable of engaging in some form of employment.

The concept emphasizes the enduring nature of the disability, indicating that it is not merely a temporary condition and that the individual will face ongoing limitations. For instance, someone might have lost the use of a limb or experienced significant impairment that affects their ability to engage in their previous or certain types of work, yet they might still be able to perform other jobs that accommodate their condition.

This distinguishing characteristic sets it apart from total disability, where the individual cannot perform any job at all, and from temporary conditions that do not lead to lasting impairment. The definition also rules out complete recovery from an injury, as that would not align with the concept of a permanent partial disability.

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The insured is unable to perform any job

The insured has recovered fully from an injury

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