Which term describes the automatic qualification for total permanent disability due to certain injuries?

• A. Total PD Presumption
• B. Partial PD Presumption
• C. Vocational Rehabilitation Presumption
• D. HIV Death Presumption

Answer: (A)

Automatic qualification for total permanent disability occurs when the law creates a presumption that certain injuries will result in a 100% disability, so the worker is deemed permanently and totally disabled from the start. The term used is Total PD Presumption, where PD stands for Permanent Disability and “Total” indicates the full impairment. For injuries listed by statute—such as loss of both hands, both feet, or sight in both eyes—the worker is presumed PTD, meaning they qualify for PTD benefits without needing initial proof of total disability (though the employer can still rebut the presumption with medical evidence).

This fits the question because it asks for the term describing automatic qualification for total permanent disability due to certain injuries. The other options refer to different concepts (partial disability, rehabilitation needs, or an HIV-related presumption) that do not describe the automatic PTD presumption.