Permanent and total diability is defined to mean a physical or mental condition sufficiently
severe to prevent the individual from engaging in useful occupations within his competence,
such as holding a job or homemaking, and of such a nature that no substantial improvement
can be expected within the foreseeable future, or it will probably remain static or
progress. This definition is not intended to except individuals who are capable of
self-care or who may be subject to rehabilitation or to physical restoration. Neither
the word “permanent” nor the word “total” is used in the absolute sense.