Permanent Total Disability (PTD) is the most significant long-term benefit available under Ohio workers’ compensation. It applies when your injuries — alone or in combination with your vocational factors — render you permanently unable to perform any sustained remunerative employment.
The Industrial Commission considers your age, education, work history, and both physical and psychological factors when evaluating a PTD claim. There are two types of PTD: Statutory PTD (for specific catastrophic injuries such as total blindness, loss of both hands, both feet, or one hand and one foot, per R.C. 4123.58) and Adjudicated PTD (based on a full vocational and medical evaluation).
PTD and Social Security Disability (SSD) can be received simultaneously, but they affect each other. Under certain circumstances, Social Security will reduce your SSD check when you receive BWC compensation. In other instances, the BWC may reduce your PTD benefits. Mike co-counsels with a Social Security disability law firm so both your workers’ comp and SSDI claims are handled together — your PTD application, settlement language, and SSDI filing are coordinated to minimize any reduction and protect your total income. If you receive or expect to receive SSD, OPERS disability, or SSR alongside PTD, contact Mike so he can coordinate both sides of your case from day one.
Statutory PTD cannot be terminated once granted. However, once granted, Adjudicated PTD can be contested at any time if it looks like you’re able to work by volunteering at church or for organizations. Never pursue PTD without a certified specialist in your corner.
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