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Permanent Partial Disability (PPD) -PPD means the Insured Person has suffered a Permanent loss of physical function or anatomical loss of use of a body part, substantiated by a diagnosis by a Physician. The Difference Between TTD and PPD Benefits5 minute read. Workers' compensation is a type of insurance that compensates employees for. The base plan covers only accidental death. Disability Benefits – PPD, PTD, and TTD.