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Today's Terms
Impairment-Related Work Expenses (IRWE)
Definition:
The provision that permits the exclusion from earnings of the costs of items and services which are needed in order for a disabled individual to work, which are paid for by the individual, and which are necessarily incurred by that individual because of a physical or mental impairment.
Conversion Privilege
Definition:
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.
Deeming
Definition:
The process by which the income and resources of an ineligible individual are considered to be available to a recipient when determining eligibility or payment amount.
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