“Physiological, mental or psychological impairment” includes: injury, illness and disease, or their residual effects; mental deficiency
or mental retardation; and psychosis, neurosis (psychoneurosis) or personality disorders.
A “permanent” impairment is one which is not likely to respond to any known therapeutic procedure,
is likely to remain unchanged, or may become progressively worse because the only
known therapeutic procedures to which it may be amenable are unavailable, inadvisable
or may be reasonably refused.
To be “substantially unable to engage in employment” means the client, by virtue of his permanent impairment, and taking into consideration
his remaining abilities is substantially precluded from engaging in a useful occupation.