Permanent partial disability means that you are not totally disabled. It means your flexibility, strength and range-of-motion have been reduced 25% by your injury and surgery. No, I doubt it means a check every month until you retire. In fact, it seems that they have estimated that you have already been paid the amount of disability that your claim will settle for. It appears that you should not be expecting any more payments by their estimation, unless in court your 25% rating is found to be too low. By "advanced" I believe they mean payments they have made before being ordered to by court or legal proceedings. PPD usually begins at the date you are found fixed and stable, which I assume is the Feb 09 date, and is usually based on either a schedule of benefits or on your TTD rate. But your attorney will be able to explain it better.