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P PWOP: "Pay Without Prejudice." An insurer may pay benefits for a period of 180 calendar days from the commencement of disability without accepting liability for the claim. Partial Disability: A person's inability to perform certain physical or mental activities of a certain job position. Permanent Disability: A disability that is expected to last for the lifetime of an injured person. Disability is permanent if medical improvement is at an endpoint and there is no further possibility of improvement. Physical Therapy: The treatment of disease and injury by physical and mechanical means, also called physiotherapy. PPD: Permanent Partial Disability. Premium: Payment required for insurance. PTD: Permanent Total Disability.