When a business organization (or individual) is not required to purchase workers' compensation insurance for its employees because of a specific classification of business type or the fact that it has a minimal number of employees. (Exemption criteria vary from state to state).
Financial means test
A detailed and comprehensive questionaire that establishes financial need to receive supplemental security income.
When the patient psychologically or physically loses his or her ability to perform normal job duties at the previous level of expertise as a result of being absent from work.
Helps replace income for up to 5 years or until the disabled individual turns 65.
Skilled treatment for ill or injured individuals that facilitates their return to ordinary tasks around home or at work (or both) by maximizing physical potential through lifestyle adaptations, sometimes through the use of assistive devices.
Permanent and stationary
When a condition reaches a state of maximal medical improvement.
Permanent total disability
When the employee's ability to work at any occupation is totally and permanently lost.
Temporary total disability
When a workers' ability to perform his or her job responsibilities is totally lost, but on a temporary basis.
Retraining or physical therapy that may be needed if an injury or illness results in the worker being unable to perform the usual duties of his or her occupation.
A type of insurance regulated by state laws that pays medical expenses and partial loss of wages for workers who are injured on the job or become ill as a result of job related circumstances.