Olsinski Law Firm team

Permanent Total Disability (PTD) Benefits

Highly Experienced Charlotte Workers’ Compensation Attorneys Advocating on Behalf of Seriously Injured Workers

Facing the life-altering impact of a work-related disability can be overwhelming, but the dedicated team of attorneys at the Olsinski Law Firm, PLLC, is here to help workers seeking Permanent Total Disability (PTD) Benefits. With a deep understanding of the NC workers’ compensation system, we are ready to advocate on your behalf, ensuring you receive the full scope of benefits you deserve in the face of a devastating work injury.

For those in Charlotte seeking assistance with their permanent total disability benefits, the Olsinski Law Firm is just a call away at 704-405-2580. Our attorneys are committed to providing personalized attention and comprehensive legal representation tailored to your unique situation. Let us handle the complexities of the workers' compensation system on your behalf so you can focus on adjusting to life while securing the financial support you need for the future.

What Are Permanent Total Disability Benefits?

Permanent Total Disability (PTD) benefits provide financial support to workers who suffer from permanent and total disabilities due to work-related injuries or illnesses. These benefits compensate injured workers for the loss of their earning capacity and the permanent impact their injuries have on their ability to work. At the Olsinski Law Firm, our experienced attorneys are dedicated to helping injured workers in North Carolina pursue Permanent Total Disability benefits.

A few important things about PTD benefits under North Carolina's workers' compensation law include the following:

Eligibility Criteria

To qualify for PTD benefits, you must demonstrate that you have suffered a permanent and total disability that prevents you from engaging in any gainful employment for the remainder of your working life. This may include severe physical injuries, traumatic brain injuries, spinal cord injuries, or other disabling conditions.

Benefits Duration

Unlike Temporary Total Disability [link to Temporary Total Disability page] benefits, which are typically payable for a limited duration, PTD benefits continue for the duration of your lifetime or until you can return to work in some capacity. These benefits provide ongoing financial support to help cover living expenses, medical costs, and other necessities.

Benefit Amount

The amount of PTD benefits is calculated based on your average weekly wage (AWW) prior to the injury, subject to statutory maximums set by the North Carolina Industrial Commission. These benefits are generally paid at a rate of two-thirds (66.67%) of the worker's pre-injury AWW.

Medical Treatment Benefits

Besides financial compensation, you are also entitled to ongoing medical treatment benefits to address your medical needs. This may include doctor's visits, hospitalization, prescription medications, physical therapy, and other necessary medical services.

At Olsinski Law, our attorneys provide comprehensive legal representation to injured workers seeking Permanent Total Disability benefits. We are immediately available to answer your questions and assist with the preparation of your claim.

What Happens if My Disability Benefits Are Denied?

If your application for PTD benefits is denied, it can feel like a devastating setback. However, the workers’ comp attorneys at the Olsinski Law Firm, PLLC, can appeal the decision and fight for the benefits you deserve.

Review of Denial

Upon receiving a denial of PTD benefits, it's crucial to carefully review the reasons provided by the insurer or the North Carolina Industrial Commission. We can help analyze the denial letter and assess the grounds for the denial.

Appeals Process

Our lawyers can guide clients through the appeals process if the denial is unjustified or based on erroneous information. This may involve gathering additional evidence, preparing legal arguments, and representing clients in hearings before the Industrial Commission.


In some cases, litigation may be necessary to challenge the denial of PTD benefits. The Olsinski Law Firm, PLLC, has the experience and resources to pursue litigation aggressively, advocating for our clients' rights in court if negotiations and appeals are unsuccessful.

Maximizing Compensation

Even if initial PTD benefits are denied, our attorneys continue to fight for your best interests. We work to explore all available options for compensation, including negotiating settlements or pursuing alternative forms of financial support.

By partnering with the Olsinski Law Firm, PLLC, individuals facing denied PTD benefits can trust that they have dedicated advocates working tirelessly to overturn the denial and secure the benefits they rightfully deserve.

Speak with a Charlotte Workers’ Compensation Lawyer About Your PTD Benefits Today

If you were seriously injured on the job to the extent that your injuries prevent you from working, you may be entitled to Permanent Total Disability Benefits. At the Olsinski Law Firm, PLLC, we’ve assembled a dedicated team of Charlotte PTD Benefit attorneys who aggressively pursue maximum benefits on behalf of our clients. We’ve helped countless hardworking clients obtain the benefits they deserve and will not accept payment for our services unless we can connect you with benefits. To learn more, and to schedule a free consultation today, call 704-405-2850, or connect with us through our secure online contact form.

Client Reviews
Everyone at the Osinski Law Firm was prompt, professional and responsive. I was kept informed and notified when a resolution was in place. I would not hesitate to use Kimberly Olsinski in the future. David
My service was great, I was very satisfied. The staff was great as well, keeping me informed, explaining my case and helping me understand the outcome. Michele P.
Very professional at all times. Worked hard for me. I had no worries or concerns that my ticket would be handled. I would for sure recommend her to my family and friends as well as use her in the near future. Roxanne
I'm glad I chose this firm, my case was handled quick and worked out great in my favor. I would refer them to anybody that is hoping for the best outcome. Chris A.
I'm glad I called the Olsinski Law Firm. They took time to listen to my story from the accident and explained everything in full detail. I am completely satisfied. Thank you! Sonjinika