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Indexing
Indexing is designed to provide some protection against inflation. After the first year of disability, a disabled employee's pre-disability earnings are usually increased (or indexed) by a certain percentage on an annual basis.
Augmentative or alternative communication (AAC) device
An electronic device that talks for a person who cannot speak. The device usually has a recorded or electronic voice and can say words or sentences the user chooses.
Work Incentives/Employment Support
SSA policies that help disability beneficiaries go to work and receive benefits in an attempt to become more independent.
Supplemental Security Income (SSI):
A cash benefit authorized by Title 16 of the federal Social Security Act. Eligibility and benefits are administered by the federal Social Security Administration at field offices throughout each state.
Conversion Privilege
If included, this option allows employees who are terminating employment to continue some or all of their LTD coverage at their own expense without submitting evidence of insurability.
Substantial Gainful Activity (SGA)
The level of work activity used to establish disability. A finding of disability requires that a person be unable to engage in SGA.
Representative Payee
Individual appointed by the Social Security Administration (SSA) to manage the cash benefits of a recipient of SSI or Social Security benefits, or both.
Unincurred Business Expenses
Self-employment business support given to you by someone else without cost. If you are self-employed, we deduct unincurred business expenses from earnings when we determine SGA.
Survivor Benefit
The survivor benefit is a lump sum payment that will provide benefits to the insured's eligible waiting period can also be the time period between when a disability occurs and when payments from the disability insurance policy begin.
Family and Medical Leave Act
The Family and Medical Leave Act of 1993 To grant family and temporary medical leave under certain circumstances
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Did You Know?