A person is NOT permanently totally disabled if they have which of the following?

A person is not considered permanently totally disabled if they have lost a hand above the wrist because this injury, while significant, does not inherently prevent an individual from engaging in any gainful employment or performing daily activities. Permanent total disability is generally defined in workers' compensation as the inability to perform any work due to severe limitations in mobility, use of limbs, or overall capacity to function in a work environment.

In contrast, the loss of both hands or both feet would drastically impair one's ability to perform a wide range of job functions, thereby qualifying for permanent total disability status. Such substantial losses typically lead to a complete inability to work, as they significantly diminish one's capabilities. The criteria for determining total disability focuses on the overall effect of injuries on a person's ability to work, and while losing a hand is serious, it does not necessarily mean the person cannot find alternative means of employment or adjust to different tasks.