Which permanent disability is presumed to be total in character?

• A. Loss of both legs above the knee
• B. Loss of the use of both hands
• C. Loss of sight in an eye
• D. Serious brain injury

Answer: (B)

The option indicating that the loss of the use of both hands is presumed to be total in character is accurate because it directly impacts a person's ability to perform essential daily tasks and maintain independence. The loss of both hands significantly restricts an individual's physical capabilities, inhibiting their ability to engage in activities of daily living, work, and other vital functions.

When examining this concept of total permanent disability, certain conditions lead to a clear presumption due to the severity of the impairment and its broad effect on overall functioning. Losing the use of both hands is such an impairment, as it severely limits mobility, dexterity, and the ability to interact with the environment.

In contrast, while the loss of both legs above the knee, loss of sight in an eye, and serious brain injury are significant impairments, they do not universally result in a total disability classification for all individuals. Some individuals may adapt or find means to overcome these challenges, potentially maintaining some level of independence or vocational capability. Thus, the context of total disability encapsulates not just the loss itself but the overall impact on a person's life activities, and the loss of both hands stands out prominently in this regard.