In workers’ compensation cases, illness or injury (impairment of the normal use of a body part) expected to continue for the lifetime of the injured worker that prevents the person from performing the functions of his or her occupation, therefore, impairing his or her earning capacity. Permanent disability may be partial or total.

In workers’ compensation cases, indemnity payments to compensate an injured worker for impairment from an industrial injury or illness that lessens the worker’s ability to compete in the open labor market. It is not intended to replace wages or to compensate for pain and suffering.

In workers’ compensation cases, determination of the percentage of total disability of the injured worker. Considerations are the nature of the injury, occupation and age of the worker at the time of injury, and diminished ability to compete in the open labor market. The disability, not the pathological condition, is rated; thus a disease is not rated, but its permanent effect on the employee’s working capability is.

In workers’ compensation, a disability that has become stable during a time period that allows optimal tissue repair but is not likely to change regardless of further therapy or surgery.

Life insurance policy that is valid for the entire life of the insured.

Any form of life insurance except term insurance (i.e., whole life or endowment).