Permanent and total disability means that the individual has some physical or mental
impairment, disease, or loss from which recovery or substantial improvement cannot
be expected, and which substantially precludes him from engaging in any occupation
within his competence, such as holding a job or homemaking.
To be eligible for PTD a person must be “permanently and totally disabled” (subsection (2), Section 208.051, R.S. Mo. 1949). In addition, the following Statement
on the same subject is contained in sub-section (4) of the same section: “Who is disabled by illness, injury, or other physical or mental impairment which is
medically determinable and can be expected to be of long-continued and indefinite
duration or to result in death.”