KAUGER, Justice.
The issues presented are: 1) whether a lump sum workers’ compensation payment is considered to be joint property for the purpose of marital property division; 2) whether social security disability payments are joint property acquired during cover-ture; and 3) whether the accrued equity in the couple’s home could be divided between the parties after the home had been awarded to the husband in the couple’s prior divorce. We find that: 1) A workers’ compensation award is marital property only to the extent to which it reimburses the couple for loss of income during the marriage. To the extent that it compensates for loss of post-divorce earnings by the injured party, it is separate property, even if the com-pensable injury occurred during the marriage. 2) A lump-sum payment from the Social Security Administration for accumulated disability benefits is not marital property subject to equitable division. 3) Because the couple’s residence had been awarded to the husband in their previous divorce, and because neither party sought to change its ownership status after their remarriage, the trial court erred in awarding the wife one-half of the equity in the house.
FACTS
Betty Crocker (wife/appellee) is an insurance supervisor with the Norman Regional Hospital. James Crocker (husband/appellant) is a former truck driver who now has a realtor’s license. James has had a total colectomy and an ileostomy because he has ileitis and/or Crohn’s disease. While working as a truck driver in December of 1987, James sustained a hernia. James is unable to perform manual labor or to lift over ten pounds. Apparently, he requires further surgery to repair the hernia.
On April 18, 1989, James received $39,-824.65 in Workers’ Compensation benefits. The check was made out to James and Betty, but the proceeds were deposited in James’ separate checking account. When Betty filed for divorce on June 16, 1989, $20,000.00 was left in the account. Because James was unemployed, he drew on it for his living expenses, and approximately $16,000.00 remained in the account at the time of the trial on February 14, 1990. Because of his physical condition, James also applied for social security disability benefits. After Betty filed for divorce, James was notified that he would receive an $11,390.00 lump-sum award for accrued social security disability payments.
This is the third time that the couple has been divorced. They married for the first time on November 14, 1966, and they were divorced in March of 1968. The second marriage occurred on September 11, 1970, [1119]*1119and the second divorce was granted on September 26, 1977. They remarried on Valentine’s Day in 1978, and the third marriage ended in divorce on February 14, 1990.
James was awarded the home in the 1977 divorce. When James and Betty remarried in 1978, the house remained in his name. Although the couple maintained separate joint checking accounts, the house payments were usually made from a joint account. Most of the deposits into that account came from James’ earnings. Sometimes, Betty paid the utility bills and other expenses from her separate account. After a hearing on the merits, the trial court divided the property. Betty received 50% of the remaining workers’ compensation award and 50% of the lump sum social security back payments. The court also ordered the house sold and the net profits divided equally between James and Betty. James appealed.
I
A WORKERS’ COMPENSATION DISABILITY AWARD IS MARITAL PROPERTY ONLY TO THE EXTENT TO WHICH IT REIMBURSES THE COUPLE FOR LOSS OF INCOME DURING THE MARRIAGE. TO THE EXTENT THAT IT COMPENSATES FOR THE LOSS OF POST-DIVORCE EARNINGS BY THE INJURED PARTY, IT IS SEPARATE PROPERTY.
This case presents one issue of first impression — whether a lump sum award received in settlement of a workers’ compensation claim before the spouse filed for divorce constitutes jointly-acquired property subject to property division in a divorce proceeding.1 There is no uniformity among the jurisdictions which have considered this question.2 Workers’ compensation awards have been treated as wages, personal injury recoveries, marital property, and separate property in effecting a property division. Regardless of the diversity of treatment by various state courts, four basic approaches, which have also been used in determining personal injury awards, have been advocated: 1) a mechanistic division; 2) a case by case division; 3) an unitary division; and 4) an analytical division.
A.
The Mechanistic Approach
Under the mechanistic or mathematical approach, courts usually find that workers’ compensation awards acquired during cov-erture are subject to division as marital property. Generally, courts which use the mechanistic method do so because of express statutory definitions controlling the [1120]*1120division of separate and marital property.3
B.
The Case by Case Approach
The Supreme Court of Iowa, In re Marriage of McNerney, 417 N.W.2d 205, 208 (Iowa 1987), rejected the analytical method and adopted a case by case approach. The Iowa court found that the terms mechanistic and analytic were misleading. It decided that the better approach was to divide the property on a case-by-case basis.4
C.
The Unitary Approach
The unitary approach characterizes the award as being uniquely personal to the injured spouse. The award is treated as the separate property of the injured individual.5 This theory is the most simplistic, and it is the one the husband and the dissent urge us to endorse.
However attractive the unitary approach might be, it is precluded by the Workers’ Compensation Act and by our decisions interpreting it. Historically, in Oklahoma, workers’ compensation awards have not been characterized as being personal to the injured employee or strictly denominated as compensation for the loss of physical abilities. From its inception, the purpose of workers’ compensation, has been twofold: 1) to provide support for workers during periods of actual disability, and 2) for their dependents in the event of an occupationally-related death, or to cover hospital, medical and funeral expenses.6
As early as 1924, this Court in Skelton Lead & Zinc Co. v. State Indus. Comm., 100 Okla. 188, 229 P. 255, 257 (1924), interpreted the Act as providing compensation for the disability to work, based upon the average weekly wage, and not as an indemnity for physical impairment.7 The Court examined the legislative purpose of the Act, and it determined that the purpose was to assure the industrious worker and the worker’s dependents a reasonable support and maintenance during the period of enforced idleness resulting from any unfortunate accident which could destroy or impair earning capacity. In Commons v. Bragg, 183 Okla. 122, 80 P.2d 287, 290 (1938), the Court determined that the Legislature intended for the workers’ compensation benefits to flow to the injured workers and their dependents. This approach was intended to prevent the workers and their families from becoming public charges.
In Van Orman v. Robinson, 150 Okla. 156, 300 P. 412, 414 (1931), this Court discussed the purpose of a workers’ compensation award.
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KAUGER, Justice.
The issues presented are: 1) whether a lump sum workers’ compensation payment is considered to be joint property for the purpose of marital property division; 2) whether social security disability payments are joint property acquired during cover-ture; and 3) whether the accrued equity in the couple’s home could be divided between the parties after the home had been awarded to the husband in the couple’s prior divorce. We find that: 1) A workers’ compensation award is marital property only to the extent to which it reimburses the couple for loss of income during the marriage. To the extent that it compensates for loss of post-divorce earnings by the injured party, it is separate property, even if the com-pensable injury occurred during the marriage. 2) A lump-sum payment from the Social Security Administration for accumulated disability benefits is not marital property subject to equitable division. 3) Because the couple’s residence had been awarded to the husband in their previous divorce, and because neither party sought to change its ownership status after their remarriage, the trial court erred in awarding the wife one-half of the equity in the house.
FACTS
Betty Crocker (wife/appellee) is an insurance supervisor with the Norman Regional Hospital. James Crocker (husband/appellant) is a former truck driver who now has a realtor’s license. James has had a total colectomy and an ileostomy because he has ileitis and/or Crohn’s disease. While working as a truck driver in December of 1987, James sustained a hernia. James is unable to perform manual labor or to lift over ten pounds. Apparently, he requires further surgery to repair the hernia.
On April 18, 1989, James received $39,-824.65 in Workers’ Compensation benefits. The check was made out to James and Betty, but the proceeds were deposited in James’ separate checking account. When Betty filed for divorce on June 16, 1989, $20,000.00 was left in the account. Because James was unemployed, he drew on it for his living expenses, and approximately $16,000.00 remained in the account at the time of the trial on February 14, 1990. Because of his physical condition, James also applied for social security disability benefits. After Betty filed for divorce, James was notified that he would receive an $11,390.00 lump-sum award for accrued social security disability payments.
This is the third time that the couple has been divorced. They married for the first time on November 14, 1966, and they were divorced in March of 1968. The second marriage occurred on September 11, 1970, [1119]*1119and the second divorce was granted on September 26, 1977. They remarried on Valentine’s Day in 1978, and the third marriage ended in divorce on February 14, 1990.
James was awarded the home in the 1977 divorce. When James and Betty remarried in 1978, the house remained in his name. Although the couple maintained separate joint checking accounts, the house payments were usually made from a joint account. Most of the deposits into that account came from James’ earnings. Sometimes, Betty paid the utility bills and other expenses from her separate account. After a hearing on the merits, the trial court divided the property. Betty received 50% of the remaining workers’ compensation award and 50% of the lump sum social security back payments. The court also ordered the house sold and the net profits divided equally between James and Betty. James appealed.
I
A WORKERS’ COMPENSATION DISABILITY AWARD IS MARITAL PROPERTY ONLY TO THE EXTENT TO WHICH IT REIMBURSES THE COUPLE FOR LOSS OF INCOME DURING THE MARRIAGE. TO THE EXTENT THAT IT COMPENSATES FOR THE LOSS OF POST-DIVORCE EARNINGS BY THE INJURED PARTY, IT IS SEPARATE PROPERTY.
This case presents one issue of first impression — whether a lump sum award received in settlement of a workers’ compensation claim before the spouse filed for divorce constitutes jointly-acquired property subject to property division in a divorce proceeding.1 There is no uniformity among the jurisdictions which have considered this question.2 Workers’ compensation awards have been treated as wages, personal injury recoveries, marital property, and separate property in effecting a property division. Regardless of the diversity of treatment by various state courts, four basic approaches, which have also been used in determining personal injury awards, have been advocated: 1) a mechanistic division; 2) a case by case division; 3) an unitary division; and 4) an analytical division.
A.
The Mechanistic Approach
Under the mechanistic or mathematical approach, courts usually find that workers’ compensation awards acquired during cov-erture are subject to division as marital property. Generally, courts which use the mechanistic method do so because of express statutory definitions controlling the [1120]*1120division of separate and marital property.3
B.
The Case by Case Approach
The Supreme Court of Iowa, In re Marriage of McNerney, 417 N.W.2d 205, 208 (Iowa 1987), rejected the analytical method and adopted a case by case approach. The Iowa court found that the terms mechanistic and analytic were misleading. It decided that the better approach was to divide the property on a case-by-case basis.4
C.
The Unitary Approach
The unitary approach characterizes the award as being uniquely personal to the injured spouse. The award is treated as the separate property of the injured individual.5 This theory is the most simplistic, and it is the one the husband and the dissent urge us to endorse.
However attractive the unitary approach might be, it is precluded by the Workers’ Compensation Act and by our decisions interpreting it. Historically, in Oklahoma, workers’ compensation awards have not been characterized as being personal to the injured employee or strictly denominated as compensation for the loss of physical abilities. From its inception, the purpose of workers’ compensation, has been twofold: 1) to provide support for workers during periods of actual disability, and 2) for their dependents in the event of an occupationally-related death, or to cover hospital, medical and funeral expenses.6
As early as 1924, this Court in Skelton Lead & Zinc Co. v. State Indus. Comm., 100 Okla. 188, 229 P. 255, 257 (1924), interpreted the Act as providing compensation for the disability to work, based upon the average weekly wage, and not as an indemnity for physical impairment.7 The Court examined the legislative purpose of the Act, and it determined that the purpose was to assure the industrious worker and the worker’s dependents a reasonable support and maintenance during the period of enforced idleness resulting from any unfortunate accident which could destroy or impair earning capacity. In Commons v. Bragg, 183 Okla. 122, 80 P.2d 287, 290 (1938), the Court determined that the Legislature intended for the workers’ compensation benefits to flow to the injured workers and their dependents. This approach was intended to prevent the workers and their families from becoming public charges.
In Van Orman v. Robinson, 150 Okla. 156, 300 P. 412, 414 (1931), this Court discussed the purpose of a workers’ compensation award. We found that the basis for compensation under the Act is the wage earning capacity of the employee and the degree of his/her impairment. Although the statute does not specifically refer to physical injuries, an award will not be made unless a physical injury has occurred. The inability to earn wages by an injured worker is an incapacity within the meaning of the workers’ compensation law.
This Court has not strayed from this traditional concept of workers’ compensation. The Act has not been changed significantly since its inception. Oklahoma [1121]*1121has not adopted a policy based on the loss of bodily function. Awards continue to be based on compensation in lieu of wages. Stare decisis does not support a finding that the enactment of 85 O.S.Supp.1990 § 22,8 which lists various ailments to the body and which prescribes a fixed number of weeks of compensation for that injury is based on physical injury rather than a loss of wages. Although scheduled payments are not dependent on actual wage loss, the enactment of § 22 does not result in a deviation from the underlying principle of compensation law. The basic theory of compensation to replace wage earning capacity remains the same. The only difference is that the effect on earning capacity is a conclusively presumed one, rather than a specifically proven one based on the individual’s actual wage-loss experience.9 Oklahoma has had a schedule of benefits since 1915.10 The basic theory of workers’ compensation has remained the same — that the benefits received relate to the loss of earning capacity and not to an employee’s physical disability.
D.
The Analytic Approach
The analytical approach attempts to determine the underlying nature of a workers’ compensation award before deciding whether it constitutes separate or marital property. Under this method, the separate property of the injured spouse includes economic losses occurring after the termination of the marriage, including the amount of the award which constitutes loss of future wages and future medical expenses.11 The marital property subject to division encompasses the amount of the award which represents lost wages or lost [1122]*1122earning capacity sustained during cover-ture as well as medical expenses paid during the marriage.12
To determine what portions of the award are marital property or separate property under the analytical approach, various jurisdictions have addressed these issues: 1) The purpose of the award, e.g., was it made for lost earnings, loss of future earning capacity, or some other purpose. 2) The time period of any diminished earning potential or disability is relevant. 3) The nature and date of the underlying injury should be ascertained. 4) The terms of the award are important, i.e., when the award vested, the total amount of the settlement and any other known specifics of the award itself.13
In Oklahoma, the dispositive issue in evaluating workers’ compensation benefits as separate or marital property, is not whether the right to receive benefits vested during the marriage, but rather to the extent to which the award compensates for loss of earning capacity during the marriage.14 The Workers' Compensation Act allows a lump sum payment only for permanent partial disability or permanent total disability.15 The awards are contained in 85 O.S.Supp.1990 § 22. Payment is based on a percentage of the employee’s wages for a set number of weeks.16 Compensa[1123]*1123tion is not paid to reimburse for injuries sustained. It is awarded for compensation in lieu of wages during the duration of the impairment.17
Our analysis in Christmas v. Christmas, 787 P.2d 1267-68 (Okla.1990), is helpful in determining which of the four approaches — mechanistic, unitary, case by case, or analytic — meshes with the Oklahoma Workers’ Compensation Act. There, we adopted a “replacement approach” to the division of disability insurance proceeds. In Christmas, the Court held that if proceeds replaced wages earned during the marriage, the proceeds were marital property. The approach adopted in Christmas closely resembles the analytic approach utilized by other jurisdictions in workers’ compensation cases. Workers’ compensation and disability insurance are both forms of deferred compensation.18 They may be treated similarly for property division purposes.
Because our workers’ compensation law characterizes awards as money in lieu of wages, and because of our prior treatment of disability awards in Christmas, we adopt the analytical approach. A workers’ compensation disability award is marital property only to the extent that it recompenses for the couple’s loss of income during the marriage. To the extent that it compensates for loss of post-divorce earnings by the injured party, it is separate property. Because a former spouse has no inherent right to the salary earned by his/ her former marriage partner after the marriage is terminated, there is no right to a disability award which is intended to replace future wages.19
Under Oklahoma law, a workers’ compensation award is calculated on average weekly wages and the number of payments is calculated on a weekly basis.20 Therefore on remand, the trial court must determine whether the award covered any week prior to the couple’s divorce. If so, it is marital property. Any portion of the award which is for any weeks of compensation after the divorce is not marital property subject to property division.
II
LUMP-SUM SOCIAL SECURITY PAYMENT WHICH REPRESENT ACCRUED DISABILITY BENEFITS ARE NOT MARITAL PROPERTY SUBJECT TO PROPERTY DIVISION.
Betty relies on Christmas for the proposition that the lump-sum Social Security payments which represented. James’ accrued disability benefits constitute marital property subject to equitable division. Christmas involved disability benefits from the Oklahoma Firefighters Pension and Retirement Board, and it is not dispositive. Although we found that the husband’s post-divorce disability payments were separate property, Social Security disability benefits were not involved. Therefore, her reliance is misplaced.
In Umber v. Umber, 591 P.2d 299, 301-02 (Okla.1979), we held that: 1) the inclusion of Social Security benefits in the division of marital property would interfere with the express statutory plan of the Social Security Act, and 2) that such division is forbidden by the supremacy clause of the [1124]*1124United States Constitution, Art. VI, cl. 2.21 The Umber Court also found that because Congress can alter or retract social security benefits at any time, they cannot be considered to be an accrued property right.22 Pursuant to our teaching in Umber, social security benefits are not divisible as marital property.
Ill
BECAUSE THE COUPLE'S RESIDENCE HAD BEEN AWARDED TO THE HUSBAND IN THEIR PREVIOUS DIVORCE, AND BECAUSE NEITHER PARTY SOUGHT TO CHANGE ITS OWNERSHIP STATUS AFTER REMARRIAGE, THE WIFE IS NOT ENTITLED TO A ONE-HALF INTEREST IN THE EQUITY OF THE HOME.
James contends that the trial court erred in ordering the equal division of the entire equity of the residence of the parties. He contends that Betty’s interest should be limited to the interest she accrued from the date of the last remarriage. This issue was determined in Henderson v. Henderson, 764 P.2d 156, 159 (Okla.1988) which followed a long line of cases in reaching its result.23 We held in Henderson that the property division provisions of a divorce decree stand inviolate by actions of the divorced parties — including the remarriage of those parties — unless the parties vacate, set aside, or modify the decree in a manner authorized by statute. Neither James nor Betty sought to change the property division.
The trial court erred in awarding Betty one-half of the home because in the previous divorce the residence was awarded to James, and no action was taken by either party to change the status of the home. However, if the value of the property increased as a result of the couple’s joint efforts during the third marriage, Betty is entitled to an interest in the appreciation of the property.24
CONCLUSION
The cause is remanded to the trial court for a hearing to determine the amount of the workers’ compensation award which constitutes jointly-acquired property subject to equitable distribution, and to ascertain whether the couple’s residence appreciated in value during the course of the couple’s third union. The award of one-half of the husband’s social security benefits to the wife is reversed.
REVERSED AND REMANDED.
LAVENDER, SIMMS, DOOLIN, HARGRAVE and SUMMERS, JJ., concur in Part One.
OPALA, C.J., concurs in part in Part One.
HODGES, V.C.J., and ALMA WILSON, J., dissents in Part One.
OPALA, C.J., HODGES, V.C.J., and LAVENDER, SIMMS, DOOLIN, HARGRAVE and SUMMERS, JJ., concur in Part Two.
ALMA WILSON, J., dissents in Part Two.
OPALA, C.J., and LAVENDER, SIMMS, DOOLIN and HARGRAVE, JJ., concur in Part Three.
HODGES, V.C.J., and ALMA WILSON and SUMMERS, JJ., dissent in Part Three.