Rule of construction meaning that where technical or legal words are used in a policy they are to be given their strict technical legal meaning unless the policy shows a different intention. Example: Four armed men stole cash from the insured. There was no other disturbance in the area, but technically there had been a ‘riot’ the definition of which (at that time) required only that there should be three persons with a common purpose threatening violence. The exclusion of ‘riot’ applied.
Insurance Encyclopedia
Technique for Human Error Prediction (THERP)
Quantitative evaluation of the contribution of human error to product defects or to a product’s failure to perform its intended functions, THERP is often combined with failure mode and effect and fault tree methods to identify failures by the human components in a system. See Also: “System Safety” and “Fault tree analysis.”
Technological changes risk
Risk related to the rapid development of new technologies. Certain changes may have a significant impact on health and therefore employers’ liability claims, e.g. repetitive strain injury, from inceased use of visual display units. Technological changes have also impacted on the effectiveness of distribution channels leading to more insurance, especially personal lines, being sold and serviced electronically. This could adversely affect insurers and intermediaries more reliant on traditional methods.
technology assessment (TA)
Multidisciplinary field of policy analysis that studies the medical, social, ethical, and economic implications of the development, diffusion, and use of technologies. In support of national coverage determinations (NCDs), TA often focuses on the safety and efficacy of technologies. Each NCD includes a comprehensive TA process. For some NCDs, external TAs are requested through the Agency for Health Research and Quality (AHRQ). Also referred to as health care technology assessment (HTA) .
Technology risk
Relates to failure of technology, e.g. systems failure, poor data quality, software problems, etc.
TEFRA 134
Provision of the Tax Equity and Fiscal Responsibility Act of 1982 that allows states to give Medicaid coverage to certain disabled children. Also referred to as the Katie Beckett option .
TEFRA corridor
See: corridor .
Tele-Marketing Distribution/Marketing Channel of Insurance
See: “Distance Marketing of Insurance Products.”
Telemedicine
1. Use of telecommunication systems in real-time or near real-time to transmit medical images and information to distant professionals for purposes of diagnosis and medical care (e.g., scanned images, direct digital capture [DDC], interactive television [IATV], and high-definition television [HDTV]). 2. Professional services given to a patient through an interactive telecommunications system by a practitioner at a distant site.
Telemetry bed
Bed that is able produce wireless or wired electronic transmission to a remote location for continuous monitoring of the patient’s condition.