Chapters 14 15 16 Flashcards
Waiting period
For disability insurance, the initial period of time when a disabled individual is not eligible to receive benefits even though unable to work; for workers compensation, the days that must elapse before workers’ compensation weekly benefits become payable. Also, known as elimination period.
Catchment area
In the TRICARE program, an area, defined by zip codes, that is approximately 40 miles in radius surrounding each United States military treatment facility.
Compromise and release
An agreement arrived at, whether in or out of court, for settling a workers’ compensation case after the patient has been declared permanent and stationary.
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 and not as a result of a work-related accident or condition.
Double Indemnity
A feature in some life and disability insurance policies that provides for twice the face amount of the policy be paid if death results to the insured from accidental causes.
Lien
A claim on the property of another as security for a debt. In litigation cases, it is a legal promise to satisfy a debt owed by the patient to the physician out of any proceeds received on the cases
Non availability statement- NAS
Is a certification from a military hospital stating that it cannot provide the care needed.
Primary care manager - PCM
A physician who is responsible for coordinating and managing all of the TRICARE beneficiary’s health care unless there is an emergency.
Partial (temporary) disability
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.
Exclusions
Provisions written into the insurance contract denying coverage or limiting the scope of coverage.
Waiver of premium
A disability insurance policy provision that an employee does not have to pay any premiums while disabled.
Total disability
A term that varies in meaning from one disability insurance policy to another. For example, a liberal definition might read: “ The insured must be unable to perform the major duties of his or her specific occupation”
Residual benefits
A term used in disability income insurance for disability that is not work related. It is the payment of partial benefits when the insured is not totally disabled.
Second injury fund
Subsequent injury fund. A special fund that assumes all of part of the liability for benefits provided to a worker because of the combined effect of a work related impairment and a preexisting condition.
Sponsor
For the TRICARE program, the service person ( active duty, retired, or deceased) whose relationship makes the patient (dependent) eligible for TRICARE.
