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disability ch 16
| Question | Answer |
|---|---|
| A form of insurance providing periodic payment under certiain conditions when the insured is unable to work because of illness, disease, or injury not as a result of a work-related accident or condition is called | disability income insurance |
| The maximum amount of time that benefits will be paid to the injured or ill person for the disability is known as | benefit period |
| The time period from the beginning of disability to receiving the first payment of benefits is called | elimination period |
| A term used in disability income insurance for disability that is not work related that is the payment of partial benefits when the insured is not totally disabled is called | residual benefits |
| Disability insurance provisions that allow benefits to the insured to increase the monthly indemnity or receive a percentage of the policy premiums if an individual keeps a policy in force for 5 or 10 years or does not file any claim is called | supplemental benefits |
| A reature in some life and disability insurance policies that provides for twice the face amount of the policy to be paid if death results to the insured from accidental causes is known as | double indemnity |
| An insurance policy provision that protects the insured if he suffers loss of sight or loss of limbs or death by accident is known as | accidental death and dismemberment |
| A clause in an insurance policy that means the insurance company must renew the policy as long as premium payments are made in which premiums may be increased when it is renewed. May have age limits or may be renewable for life is called | guaranteed renewable |
| An insurance policy clause that means the insurance company cannot increase premium rates and must renew the policy until the insured reaches the age stated in the contract is known as | noncancelable clause or policy |
| A disability insurance policy provision that an employee does not have to pay any premiums while disabled is called | waver of premium |
| A physician who is paid a fee to examine or test a person for disability under either the SSID or SSI proram are known as | consultative examiner (CE) |
| CE | consultative exaniner |
| This is a social security state office | regional office (RO) |
| RO | regional office |
| CSRS | civil service retirement system before 1984 |
| FERS | federal employee retirement system after 1984 |
| Te first level of appeal process that is a complete review of the claim by a medical or psychologic consultant or disability examiner team who sis not take part in the original disability determination is called | reconsideration |
| The second level of appeal process is a hearing before an administrative law judge who had no part in the initial or reconsideration disability determination | hearing |
| Third level of appeal process which considers all request for review but may deny a request if it belives the dicision by the administrative law judge was correct is called q | review by the appeals council |
| The fourth level of appeal process which the claimant may file an action where he resides is called | review by the federal court |
| A disability occurring or aggravated while the patient is in military service is known as | armed services disability |
| A program for honorably discharged veterans who file claim for a service-connected disability is known as | veterans affairs disability program |
| federal entitlement program for long-term disabled workers or self-employed individuals that recive monthly benefits to workers is known as | social security disability insurance program (SSDI) |
| A program of income support for low-income aged, blind, and disabled persons established by title XVI of the social security act is known as | supplement security income (SSI) |
| A state social security division office that assesses a case for disability benefits is known as | disability determination services (DDS) |
| An insurance that covers off-the-job injury or sickness and is paid for by deductions from a persons paycheck. It is administered by a state agency and is sometimes known as state disability insurance or temporary disability insurance | unemployment compensation disability (UCD) |
| A facility where medical and dental services are rendered to a veteran who has a service related disability | VA outpatient clinic |
| Compensation paid to the insured disabled persons is called | indemnity benefits |
| When a person cannot perform all the functions of his regular job for a limited period of time is known as | temporary disability |
| A disability from an illness or injury that prevents an insured person from performing one or more of the functions of his regular job is known as | residual disability |
| A provision to pay benefits to a covered disabled person to age 65 | long term disability |
| A provision to pay benefits to a covered disabled person as long as he remains disabled, up to a specified period normaly 13 weeks to 24 months, not exceeding 2 years is called | short-term disability insurance |
| A majority of employees of an employer voluntarily consent to be covered by an insurance or self-insured disability insurance plan insted of a stat plan is known as | voluntary disability insurance |
Created by:
maryce
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