Partial Disablement and Total Disablement
Disability can be considered temporary or permanent, and it can be full or partial. Both total and partial disability benefits are designed to protect your wages when you are injured or fall ill due to work-related circumstances. However, one is far more common than the other.
“Partial disablement” means where the disablement is of a temporary nature such disablement as reduces the earning capacity of a workman in any employment in which he was engaged at the time of the accident resulting in the disablement and where the disablement is of a permanent nature such disablement a reduces his earning capacity in every employment which he was capable of undertaking at that time. It is defined as any type of disability in which the workers is unable to perform at full physical capacity. This is usually due to an on the job injury or due to illness.
“Total disablement” means such disablement whether of a temporary or permanent nature as incapacitates a workman for all work which he was capable of performing at the time of the accident resulting in such disablement. This is generally defined as the loss of the use of both legs, arms, hands, or eyes, or any two such parts like a leg and arm. Total disability can also involve impairment due to a serious occupational disease.