Which of the following are included in 100% permanent disability (PD) assumptions?

• A. Loss of both eyes/hands
• B. An injury resulting in practically total paralysis
• C. An injury resulting in permanent mental incapacity
• D. All of the above

Answer: (D)

100% permanent disability means total incapacity to engage in any substantial gainful activity due to a permanent condition. Each of the listed scenarios results in no meaningful ability to perform work: losing both eyes or both hands eliminates the essential functional capabilities needed for most jobs; practically total paralysis leaves a person unable to move or perform work-related tasks; permanent mental incapacity prevents the judgments and decisions required to work and interact in a job setting. Because all of these situations produce complete, lasting work incapacity, they are encompassed by the standard 100% PD assumptions. All of the above are included.