Permanent and total disability is defined as any physical or mental impairment or
            disease which continuously precludes the individual from engaging in any useful occupation,
            including homemaking.
         
         “Useful occupation” means any gainful occupation within the individual's competence and for the homemaker
            any gainful occupation within her competence, including the usual homemaking activities.
         
         “Permanent” means the condition is not likely to be substantially improved by any known therapeutic
            procedures. “Permanent” is determined on the basis of medical facts and information.
         
         “Total” means that the condition substantially prevents the person from performing those
            activities necessary to carry on any gainful occupation within his competence, including
            in the case of a homemaker, those activities necessary to carry on ordinary homemaking
            duties without substantial help. “Total” is determined on the basis of medical facts and those social data which make it possible
            to relate the medical findings to the types of activity which the individual is competent
            to perform.
         
         
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                  1.  
                     Permanent means that the condition is not likely to be substantially improved by any
                        known therapeutic procedures. It is not used in the sense of unchangeable but as continuing
                        indefinitely in contrast to temporary or transient. The fact that the disability is
                        permanent does not rule out medical treatment which may alleviate the condition or
                        lessen the problem of care.
                      
 
 
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                  2.  
                     Total means that the disability substantially precludes the individual from performing
                        those activities necessary to carry on any useful occupation within his competence.
                        Like “permanent” it is not an absolute term, but relative to the person's present capacity and competence.
                        It does not rule out the possibility that with medical treatment or training or both,
                        some individuals might be rehabilitated to a degree which would make them no longer
                        “totally” disabled.
                      Relating “total” to the individual's competence requires consideration of his capacity and vocational
                        equipment, not only in relation to his previous occupation, but in relation to other
                        useful occupations. For the individual who has carried on a gainful occupation, this
                        means considering ability to engage in a previous occupation or in a gainful occupation
                        in another field. For the homemaker, it means consideration of ability to carry homemaking
                        activities or to engage in a gainful occupation. It is in the consideration of the
                        person's competency that the use of the Employment Service, Vocational Rehabilitation
                        or other community services may be needed.
                       The fact that certain types of gainful occupation actually do not exist as employment
                           opportunities in a community may influence the final decision as to “total.” The person may be “substantially precluded” because the type of work, for which there is capacity, does not exist at all in the
                           community.  The decision is not influenced, however, by the lack of job placement for the particular
                        person if such jobs are available.
                      
 
 
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                  3.  
                     Useful Occupation means productive activities which may be either gainful occupation
                        or homemaking.
                      
 
 
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                  4.  
                     Gainful Occupation means work for which the individual receives money or income in
                        kind. It may be employment for wages or self-employment. It demands the time and the
                        attention of the individual and requires the ability to perform certain mental and
                        physical activities on a regular predictable basis.
                      There may be certain activities for which an individual receives remuneration which
                        are not “gainful occupations” for purposes of APTD. Such activities as those which are a part of retraining, occupational
                        therapy or made work based on sympathy rather than value received are not considered
                        “gainful” from the standpoint of the technical factor of permanent and total disability. In
                        these situations earnings or profits generally are less than would be true for the
                        usual job in the same field of activity.
                      
 
 
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                  5.  
                     Homemaking means the management of a home, including the responsibility to plan, to
                        make decisions, and to provide the essential services required in a home. Homemaking
                        in this sense is not an employment situation which an individual enters for hire and
                        thus is distinct from domestic employment which is “gainful.” It, however, requires ability to perform both mental and physical activities. In
                        the final decision as to whether or not a person is “substantially Precluded” from homemaking activities, consideration is given to the ability to carry on such
                        activities for at least one person in addition to one's self. Whether or not there
                        are children, and whether or not modern conveniences are available would also influence
                        the extent to which a particular individual was considered totally disabled for homemaking
                        activities.
                      
 
 
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                  6.  
                      Alcoholism means an individual has a behavioral disturbance in which excessive drinking
                           of alcohol interferes with the physical or mental health of the individual. In a large
                           percentage of persons who suffer from alcoholism, the excessive drinking is symptomatic
                           of personality disorder or neurosis.   In other persons, alcoholism may be associated with organic brain injury or disease.
                           For these reasons, persons with a diagnosis of chronic alcoholism may require a psychiatric
                           evaluation as well as a medical and social evaluation.   Where it has been determined that the alcoholism is symptomatic of or coexists with
                           other forms of mental illness, the individual should be evaluated in relation to the
                           basic psychological disorder and its social aspects and manifestations.   There will remain a category of the addictive alcoholic without a recognizable underlying
                           disorder. The level of addictive severity reached is such that the individual subordinates
                           all ordinary activity to his attempts to maintain the degree of alcoholism which provides
                           his physiological and psychological satisfactions.   Since there is a variation in the severity of addictive alcoholism and some variation
                           in prognosis, the following criteria shall be used to provide a basis for APTD certification:
                            
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                              a.  
                                  A history of several years of excessive drinking to the extent that it has adversely
                                       affected the individual's interpersonal relationships and his social and economic
                                       functioning.  
 
 
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                              b.  
                                  Loss of employment and inability to sustain employment because of excessive drinking.
                                        
 
 
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                              c.  
                                  Evidence that the alcoholism has reached the addictive stages as shown by marked
                                       ethical deteriorations, obsessive character of the drinking, the approaching loss
                                       of alcoholic tolerance, prolonged bouts, and breakdown of the rationalization pattern.
                                        
 
 
 Where neuritis, cirrhosis of the liver and other pathological sequelae of chronic
                        alcoholism exists, they are to be considered in determining severity of the disability.
                         It is not mandatory that such complications be present if the above criteria has
                           been met.  
 
 
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                  7.  
                      Narcotic Dependency means in some instances, persons who are dependent upon narcotics
                           and have a personality disorder or neurosis. In others an underlying psychosis may
                           be present. For those reasons persons, who have been diagnosed as narcotic dependent
                           may require a psychiatric evaluation as well as medical and social evaluations.   There will remain a category of the narcotic dependent person without a recognizable
                           underlying disorder. These persons may reach a level of severity in which the individual
                           subordinates all ordinary activity to his attempts to maintain the degree of narcotic
                           use which provides him physiological and psychological satisfaction.   Since narcotic dependence may rapidly establish itself in preadolescence, adolescence
                           and early adulthood and tends to have a poorer prognosis the earlier it occurs, for
                           the purposes of certification for APTD the following criteria are to be used:  
                        - 
                           
                              a.  
                                  A history of excessive narcotic use to the extent that it has adversely affected
                                       interpersonal relationships and social functioning.  
 
 
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                              b.  
                                  Depending upon the individual's age, impaired functioning in school or loss of employment
                                       and/or inability to secure and sustain employment because of excessive narcotic use.
                                        
 
 
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                              c.  
                                  Evidence that the narcotic use has reached the addictive state as shown by ethical
                                       deterioration, regular narcotic usage, the approaching development of physical dependence,
                                       and the tendency toward obsessive usage.  
 
 
  Where other pathological conditions frequently associated with narcotic dependence
                           exist, they are to be considered in determining the severity of the disability. Such
                           complications need not be present for certification to be made.