A term that varies in meaning from one disability insurance policy to another.
Armed services disability
A disability occuring or aggravated while the patient is in military service.
Veterans Affairs (VA) disability
A program for honorably discharged veterans who file a claim for a service connected disability.
Provisions written into an insurance contract denying coverage or limiting the scope of coverage.
Short term disability insurance
A provision to pay benefits to a covered disabled person as long as he or she remains disabled up to a specified period not exceeding 2 years.
Accidental death and dismemberent
An insurance policy provision that protects the insured if he or dhe suffers a loss of sight or loss of limbs or death by accident.
Civil Service Retirement System (CSRS)
A program for federal employees hired before 1984.
Consultative examiner (CE)
a physician who is paid a fee to examine or test a person for disability under either the SSDI or SSI program.
Cost of living adjustment
A disability insurance provision to increase monthly benefits.
A term used in disabilty income insurance for disability that is not work related.
The recovery period after a work related injury during which the employee is unable to work and the condition has not stabilized.
Social Security Administration (SSA)
Administers SSDI and SSI programs for disabled people.
Supplemental Security Income (SSI)
A program of income support for low income aged blind and disabled people established by Title XV1 of the Social Security Act.
A feature in some life and disability insurance policies that provides for twice the face amount of the policy to bepaid if death results to the insured from accidental causes.
Disability Determination Services (DDS)
A state social security division that assesses a case for disability benefits.
An insurance pilocy clause that means the insurancecompany cannot increase premium rates and must renew the policy until the insured reaches the age stated in the contract.
Disability income insurance
A form of health insurance that provides periodic payments to replace income when the insured is unable to work as a result of illness, injury, or disease not as a result of a work related accident or condition.
Disability insurance provisions that allow benefits to the insured to increase the monthly indemnity or recieve a percentage of the policy premiums if and individual keeps a policy in force for 5 or 10 years and does not file any claims.
Federal Employees Retirement System (FERS)
A program for federal employees hired after 1984 or those hired before 1984 who switched from CSRS to FERS.
The first level of the appeal process for an individual applying for SSDI or SSI.
State Disability Insurance (SDI)
Insurance that covers off the job injury or sickness and is paid for by deductions from a person's pay check.
Long term disability insurance
A provision to pay benefits to a coverd disabled person as long as he or she remains disabled up to a specified period exceedin 2 years.
A period of time for which payments for Medicare inpatient benefits are available.
A federal entitlement program for long term disabilty under Title 11 of the Socail Security Act.
A disability from an illness or injury that prevents an insured person from performing one or more of the functions of his or her regular job.
Basic building blocks of various structures that make upa human being.
Lower middle region below the navel.
In the center, between right and left lumbar region.
Voluntary disability insurance
Employees consent to be covered by a self-insured program instead of the state.
pertaing to the horizon.
Toward the front of the body.
Pertaining to the head.
Hollow space containg body organs.
Initial period when disabled individuals are not eligible to recieve benefits.
Grouping of similar cells that together perform specialized functions.
Waiver of premium
Employee does not have to pay any premium while disabled.
Vertically divides the body as it passes through the midline forming right and left halves.
Study of cells.
A group of organs functioning together to perform specialized functions.
Smallest, basic chemical units of matter.
Pertaining to below or a downward direction.
Region over the stomach.
Nearest to the point of attachment.
Pertaining to above or upward.
To the side, away from the middle.
Pertaining to the surface.
Pertaining to the middle or midline.
Towards the back.
Tissue servicing a common purpose or function; brain, skin, heart.