delivered the Opinion of the Court.
*53 Lydia LaVe appeals a Workers’ Compensation Court order awarding her permanent total disability benefits based on ten hours of work per week and denying a lump sum payment of her benefits. The issues on appeal are: (1) whether the lower court еrred in basing the benefits on appellant’s usual hours of employment rather than her earning capability, and (2) whether the lower сourt erred in denying appellant a lump sum award. We affirm the order of the Workers’ Compensation Court.
Appellant has workеd on and off at various unskilled labor positions since her childhood. Prior to 1977, these jobs generally entailed forty hours of work per week and paid the minimum wage or, in one instance, slightly more than the minimum wage. In 1977, appellant began working for Billings School District No. 2. At this job, appellant worked ten hours per week at $3.20 an hour. In March 1979, appellant was injured while working at her job at a Billings schoоl and as a result, she is permanently, totally disabled, the School District’s insurer, the respondent, accepted liability for wage and medical benefits under the Workers’ Compensation Act. Since June 7, 1979, respondent has paid appellant temporary tоtal disability benefits of $21.33 per week. Appellant has also received lump sum advances totaling $5,100.
In December 1984, appеllant filed a petition with the Workers’ Compensation Court requesting increased permanent total disability benefits and a lump sum pаyment of her benefits. Depositions were taken and a hearing was held on the petition in February 1985.
At the hearing, appellant testified that at the time of her injury she intended to quit her job at the school and find full-time employment. She stated that she was sure she could get a full-time job. Thus, she contends that her benefits should not be based on her part-time position. Appellant testified that she wanted a lump sum payment so she could invest the money. Neither appellant nor her husband had a specific investment in mind, nor had they talked with financial advisors or investment counselors. Both testified that they had outstanding debts and appellant’s husband calculated their dеbts as at least $4,650.
The Workers’ Compensation Court denied appellant’s request for increased benefits and a lump sum paymеnt. This appeal followed.
The first issue is whether the lower court erred in basing appellant’s permanent total disability benefits оn her usual hours of employment rather than her earning capability. Appellant cites 39-71-116(13), MCA, for the proposition that her disability bеnefits should *54 be based on her earning capability. Section 39-71-116(13), MCA, defines “permanent total disability” as “a condition resulting from injury as defined in this chapter that results in the loss of actual earnings or earning capability . . .” (Emphasis added.) Appellant asserts that she intended to get a job working fоrty hours a week and could have secured such a position. Therefore, she contends that under Section 39-71-116(13), MCA, her benefits should bе based on forty hours of work a week. This argument is without merit.
Notwithstanding the fact that the statutory definition of “permanent total disability” mentiоns earning capability, benefits for such a disability are based on the usual hours of employment of the worker and not on earning capability. This is clear from the statutes. Appellant worked ten hours a week for the school. Section 37-71-702(1), MCA, directs that,
“Weekly compensation benefits for injury producing total permanent disability shall be 66%% of the wages received at the time of the injury. The mаximum weekly compensation benefits shall not exceed the state’s average weekly wage. Total permanent disability bеnefits shall be paid for the duration of the worker’s total permanent disability.”
Section 39-71-116(20), MCA, defines wages as:
“. . . the average gross earnings received by the employee at the time of the injury for the usual hours of employment in a week, and overtime is not to be considered . . .” (Emphasis added.)
The Workers’ Compensation Court correctly computed аppellant’s benefits based on ten hours a week.
The second issue is whether the lower court erred in denying appellant а lump sum payment of her benefits. Section 39-71-741, MCA, provides that the award of a lump sum payment is within the discretion of the Workers’ Compеnsation Court. The standard of review is clear:
“Lump sum settlements are granted in exceptional circumstances. Outstanding indebtedness, pressing need, or circumstances in which the best interests of the claimant, his family and the general public are served justify such a settlement. [Citations omitted.] The decision to award or deny a lump sum settlement will not be interfered with on appeal unless there has been an abuse of discretion. The Workers’ Compensation Court will be presumed correct and affirmed if supported by substantial evidence, and reversed only if the evidence clearly preponderates against its findings. [Citations omit *55 ted.] Wide discretion will be afforded the Workers’ Compensation Court in its determination. (Citations omitted.)” Hock v. Lienco Cedar Products (Mont. 1981),634 P.2d 1174 , 1178-79,38 St.Rep. 1598 , 1603-04.
In the instant case, appellant advances twо principal reasons for requesting a lump sum payment. They are; (1) appellant and her husband have outstanding debts, and (2) apрellant and her husband wish to invest the money and receive a return which would be greater than the weekly benefits. Neither appellant nor her husband have proposed a concrete, specific plan of investment. Neither of the two have pеrsonally contacted an investment or financial counselor. An investment counselor did testify for appellant on the return that appellant could expect if she was granted, and invested, a lump sum award. In
Kent v. Sievert
(1971),
Here, appellant also desires to pay off her family’s outstanding debts. However, we note that appellant has received lump sum advances totaling $5,100. These advances approximate the outstanding debts which appellant and her husband testified their family had.
Given the Kent case and the lump sum advances already made to appellant, we hold that the Workers’ Compensation Court did not abuse its discretion in denying a lump sum payment to appellant.
Affirmed.