(In effect as of January 1, 2004*)

TABLE 7. BENEFITS FOR PERMANENT TOTAL DISABILITY PROVIDED BY WORKERS' COMPENSATION STATUTES

IN THE U.S.

SAWW - State's Average Weekly Wage

Percentage Payments Per Week

of Worker's

Percentage

Jurisdiction

Wage

Minimum

Maximum

of SAWW

Maximum Period

Notes

Alabama.....

66 2/3

$156 - 27 1/2% of

$587.00

100

Duration of

SAWW, or worker's

disability

average wage if

less.

Alaska......

80% of

$110, 22% of the

$832.00

120

Duration of

WC benefits subject

worker's

SAWW if the employ-

disability

to reduction by

spendable

ee shows proof of

Social Security, any

earnings

wages, or worker's

previously awarded

spendable weekly

PPD benefits.

wage if less.

Arizona.....

66 2/3

Payable, but not

$374.01

N/A

Life or

Additional $25 mon-

statutorily pre-

duration of

thly added to bene-

scribed.

disability

fits for dependents.

Arkansas....

66 2/3

$20

$453.00

Duration of

disability

California..

66 2/3

$126

$728.00

N/A

Life

*See Introduction page.

TABLE 7. BENEFITS FOR PERMANENT TOTAL DISABILITY PROVIDED BY WORKERS' COMPENSATION STATUTES

IN THE U.S. (cont.)

SAWW - State's Average Weekly Wage

Percentage Payments Per Week

of Worker's

Percentage

Jurisdiction

Wage

Minimum

Maximum

of SAWW

Maximum Period

Notes

Colorado....

66 2/3

For death benefits only,

$658.84

Life

WC benefits subject

25% of maximum weekly

to Social Security

benefit or $164.71

benefit offsets and

effective 7/1/03

to reduction by bene-

fits under an em-

ployer pension or

disability plan.

Lump sum maximum

payable is $37,560.

Connecticut.

75% of

$182.20 - 20% of

$911.00

100

Duration of

WC benefits subject

worker's

SAWW, or an amount

disability

to Social Security

spendable

not to exceed 75%

benefit offset.

earnings

of worker's average

wage if less.

Delaware....

66 2/3

$168.94 - 22 2/9%

$506.81

66 2/3

Duration of

of SAWW, or actual

disability

wage if less.

District of

66 2/3

$255.50

$1,022.00

100

Duration of

Columbia..

disability

Florida.....

66 2/3

$20 or actual

$626.00

100

Duration of

WC benefits subject

wage if less.

disability

to Social Security

and UI benefit

offsets.

Georgia.....

66 2/3

$42.50 or average

$425.00

N/A

Duration of

wage if less.

disability

TABLE 7. BENEFITS FOR PERMANENT TOTAL DISABILITY PROVIDED BY WORKERS' COMPENSATION STATUTES

IN THE U.S. (cont.)

SAWW - State's Average Weekly Wage

Percentage Payments Per Week

of Worker's

Percentage

Jurisdiction

Wage

Minimum

Maximum

of SAWW

Maximum Period

Notes

Hawaii......

66 2/3

$149.00 - 25% of

$596.00

100

Duration of

SAWW, or worker's

disability

average wage if

less, but not

lower than $38.

Idaho.......

$80.10 - 15% of

$480.60

52 weeks,

SAWW.

for first

thereafter

52 weeks;

67% of SAWW

thereafter

for duration

67% of SAWW

of disability

Illinois....

66 2/3

$379.51 - 50% of

$1,012.01

133 1/3

Life

SAWW.

Indiana.....

66 2/3

$75 or worker's

$588.00

N/A

500 weeks

Total maximum amount

average wage if

payable is $294,000.

less.

Thereafter, a claim-

ant may receive payments indefin-
ately, payable from

a special fund.

Iowa........

80% of

$135.90 to $144.74

$1,133.00

200

Duration of

worker's

according to marital

disability

spendable

status, and number of

earnings

dependents.

TABLE 7. BENEFITS FOR PERMANENT TOTAL DISABILITY PROVIDED BY WORKERS' COMPENSATION STATUTES

IN THE U.S. (cont.)

SAWW - State's Average Weekly Wage

Percentage Payments Per Week

of Worker's

Percentage

Jurisdiction

Wage

Minimum

Maximum

of SAWW

Maximum Period

Notes

Kansas......

66 2/3

$25

$440.00

Duration of

Total amount payable

disability

is $125,000. WC

benefits subject to

UI and Social Secu-

rity benefit off- sets.

Kentucky....

66 2/3

$117.69 - 20%

$588.43

100

Duration of

WC benefits termi-

of SAWW.

disability

nate when employee

qualifies for

Social Security

benefits.

Louisiana...

66 2/3

$114 - 20% of

$429.00

Duration of

Volunteer fire-

SAWW, or actual

disability

fighters limited to

wage if less.

520 weeks.

Maine.......

80% of

--------------

$506.42

Duration of

WC benefits subject

worker's

disability

to UI benefit off-

spendable

sets, except if

earnings

benefits started

prior to date of

injury, or if bene-

fits are a spouse's

entitlement.

TABLE 7. BENEFITS FOR PERMANENT TOTAL DISABILITY PROVIDED BY WORKERS' COMPENSATION STATUTES

IN THE U.S. (cont.)

SAWW - State's Average Weekly Wage

Percentage Payments Per Week

of Worker's

Percentage

Jurisdiction

Wage

Minimum

Maximum

of SAWW

Maximum Period

Notes

Maryland....

66 2/3

$50 or worker's

$740.00

100

Duration of

average wage if

disability

less.

Massachusetts

66 2/3

$176.89 - 20% of

$884.46

100

Duration of

Additional $6 will

SAWW or worker's

disability

be added per depen-

average wage if

dent if weekly bene-

less.

fits are below $150.

Michigan....

80% of

$186.12 - 25%

$671.00

Duration of

WC benefits subject

worker's

SAWW.

disability

to reduction by UI.

spendable

earnings

Minnesota...

66 2/3

$466.70 - 65% of

$750.00

N/A

Until age 67

After $25,000 is

SAWW.

(rebuttable presumption)

paid, continuing

payments become sub-

ject to any govern-

ment or Social

Security benefit

offsets.

Mississippi.

66 2/3

$25

$341.11

66 2/3

450 weeks

Total amount payable

is $153,499.50

Missouri....

66 2/3

$40

$662.55

105

Duration of

disability

TABLE 7. BENEFITS FOR PERMANENT TOTAL DISABILITY PROVIDED BY WORKERS' COMPENSATION STATUTES

IN THE U.S. (cont.)

SAWW - State's Average Weekly Wage

Percentage Payments Per Week

of Worker's

Percentage

Jurisdiction

Wage

Minimum

Maximum

of SAWW

Maximum Period

Notes

Montana.....

66 2/3

Payable, but

$487.00

100

Duration of disability until

WC benefits subject

not statutorily

date eligible for full social

to Social Security

prescribed.

security retirement benefits

benefit offsets.

or equivalent benefits.

Nebraska....

66 2/3

$49 or actual

$562.00

100

Duration of

wage if less.

disability

Nevada......

66 2/3

--------------

$633.08

150

Life

New

$207.60 - 30% of

$1,038.00

150

Duration of

Hampshire.

SAWW not to exceed

disability

employee's after

tax earnings.

New Jersey..

$170 - 20% of

$638.00

if after 450 weeks

After 450 weeks,

SAWW.

worker produces evidence

there is a dollar for

of continued total

dollar set off if

disability, benefits will

worker is working.

continue for life.

TABLE 7. BENEFITS FOR PERMANENT TOTAL DISABILITY PROVIDED BY WORKERS' COMPENSATION STATUTES

IN THE U.S. (cont.)

SAWW - State's Average Weekly Wage

Percentage Payments Per Week

of Worker's

Percentage

Jurisdiction

Wage

Minimum

Maximum

of SAWW

Maximum Period

Notes

New Mexico..

66 2/3

$36 or actual

$549.37

100

Lifetime

Benefits are for

wage if less.

the life of the

injured worker.

New York....

66 2/3

$40 or actual

$400.00

N/A

Duration of

wage if less.

disability

North

66 2/3

$30

$688.00

110

Duration of

Carolina..

disability

North

66 2/3

$303 - 60% of

$555.00

110

Duration of

Additional $10 weekly

Dakota....

SAWW, or em-

disability,

for each dependent

ployee's actual

or until

child, not to exceed

net wage if less,

claimant is

worker's net wage.

unless claimant

eligible for

WC benefits are re-

has received PTD

Social Secu-

duced by 50% of

payments for more

rity retire-

Social Security disa-

than 10 years.

ment benefits

bility benefits. An

Claims filed after

offset of Social

7/31/99 have a 7-

Security retirement

year waiting period

benefits also applies.

versus 10 years.

Ohio........

66 2/3

$331.00 - 50% of

$662.00

100

Life

WC benefits subject

SAWW, or actual

to Social Security

wage if less.

benefit offsets.

Oklahoma....

$30 or actual

$528.00 for

100

Duration of

wage if less

injuries occurring

disability

11/1/02 - 10/31/05

TABLE 7. BENEFITS FOR PERMANENT TOTAL DISABILITY PROVIDED BY WORKERS' COMPENSATION STATUTES

IN THE U.S. (cont.)

SAWW - State's Average Weekly Wage

Percentage Payments Per Week

of Worker's

Percentage

Jurisdiction

Wage

Minimum

Maximum

of SAWW

Maximum Period

Notes

Oregon......

66 2/3

$50 or 90% of

$665.10

100

Duration of

WC benefits sub-

actual wage

disability

ject to Social

if less.

Security benefit

offsets.

Pennsylvania

66 2/3

$383.32 - 90% of

$690.00

100

Duration of

WC benefits subject

AWW if less.

disability

to Social Security

benefit offsets, and

by those under an

employer-funded pen-

sion plan as well as

for severance pay.

Puerto Rico.

66 2/3

$65

$200.00

N/A

Duration of

Total amount payable

(payable

disability

is $24,300.

per month)

Rhode

75% of

---------------

$726.00

110

Duration of

Additional $15 for

Island

worker's

disability

each dependent in-

spendable

cluding a nonworking

earnings

spouse; aggregate

not to exceed 80%

of worker's AWW.

South

66 2/3

$75 or average

$577.73

100

500 weeks

Carolina..

wage if less.

TABLE 7. BENEFITS FOR PERMANENT TOTAL DISABILITY PROVIDED BY WORKERS' COMPENSATION STATUTES

IN THE U.S. (cont.)

SAWW - State's Average Weekly Wage

Percentage Payments Per Week

of Worker's

Percentage

Jurisdiction

Wage

Minimum

Maximum

of SAWW

Maximum Period

Notes

South

66 2/3

$249 - 50% of

$498.00

100

Duration of

PTD benefits offset

Dakota....

SAWW or worker's

disability

by Social Security

average wage if

retirement to extent

less.

that combined bene-

fits received are

greater than 150% of

PTD benefits.

Tennessee...

66 2/3

$92.70 - 15% of

$618.00

100

Until retire-

If a worker is

SAWW.

ment age

permanently and

totally disabled,

maximum weekly pay-

ment can be received

until the employee is, by

age, eligible for full

benefits in the Old Age

Ins. Benefit Program

under the Social Security

Act, and may be offset

by OASDI.

Texas.......

$81 - 15% of

$537.00

100

Life for in-

SAWW.

juries listed

in statute as

constituting

PTD; other-

wise 401 weeks

Utah........

66 2/3

$45

$478.00

312 weeks, or

Additional $5 for

life if claim-

dependent spouse and

ant cannot be

each dependent child

rehabilitated

up to 4 under age

18, not to exceed

85% of SAWW.

TABLE 7. BENEFITS FOR PERMANENT TOTAL DISABILITY PROVIDED BY WORKERS' COMPENSATION STATUTES

IN THE U.S. (cont.)

SAWW - State's Average Weekly Wage

Percentage Payments Per Week

of Worker's

Percentage

Jurisdiction

Wage

Minimum

Maximum

of SAWW

Maximum Period

Notes

Vermont.....

66 2/3

$296 - 50%

$887.00

150

Life with a minimum

of SAWW, or

of 330 weeks

worker's

average wage

if less.

Virginia....

66 2/3

$172.75 - 25% of

$691.00

100

Duration of

SAWW, or employ-

disability

ee's actual wage

if less.

Virgin

66 2/3

$60 or actual

$385.00

66 2/3

Duration of

Islands...

wages if less.

disability

Washington..

60 - 75

$43.17 or more,

$885.29

120% of

Life

WC benefits subject

according to

State's

to Social Security

marital status

average

benefit offsets.

and number of

monthly

dependents.

wage

West

66 2/3

$144.20**

$537.00

100

Until age 70

**Subject to