Rider in a group insurance contract that states if an employee is absent from work due to illness, injury, or other specific reasons, on the date the employee’s coverage is due to begin, then insurance will not begin until the date the employee returns to work. For a dependent, a plan may require that, if in the hospital on the effective date, that date is deferred until the dependent’s release from the hospital.
Insurance Encyclopedia
Activities of Daily Living
A list of activities, normally including mobility, dressing, bathing, toileting, transferring, and eating which are used to assess degree of impairment and determine eligibility for some types of insurance benefits.
Activities of Daily Living (ADL) (ADLs)
Activities of daily living (ADLs) are those activities we undertake in a normal day to care for ourselves. They include bathing, grooming, feeding ourselves, shopping, and transporting ourselves from place to place. ADLs are used by disability insurance companies and long-term care providers to determine if an insured is eligible for benefits. The ADLs normally considered for insurance benefits are bathing, dressing, toileting, transferring (e.g., moving in and out of a bed or chair), continence, and eating.
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1. Physical nonoccupational activities used to determine eligibility for long-term care such as bathing, continence, dressing, eating, mobility, transferring in and out of bed or a chair, using the toilet, and walking. ADLs are used to measure how dependent a person may be on requiring assistance in performing any or all of these activities. Compare with instrumental activities of daily living (IADLs). 2. In workers’ compensation cases, these activities may include self-care, communication, physical activity, sensory function, hand functions, travel, sexual function, sleep, and social and recreational activities.
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Everyday living functions and activities normally performed unaided by individuals. They include eating, dressing, bathing, climbing stairs, etc. ADLs are the basis for assessing claims under long-term care insurances and similar disability contracts. A claim is triggered when an individual is unable to perform activities of this type unaided.
Activities of daily working (ADWs)
A health policy term that may be used to define incapacity or disability for manual workers. A worker unable to perform activities that include skills such as dexterity, mobility and communication may be disabled for the purpose of the policy while able to undertake other activities not dependent on those skills.
Acts Indian
Various legislation and acts influencing transaction of general Insurance and Reinsurance business in India and loss minimization and Risk Management:
Acts of God
Acts of God are accidents or events that humans cannot prevent even with planning and foresight. The events result from natural causes without intervention of humans and include floods, lightning, earthquakes, and storms. The term “Acts of God” is often found in property policies.Also See: Pure Risk
Acts: Indian Penal Code
The Indian Penal Code (IPC) 1860 has XXII chapters in all, covering more than 500 sections containing definitions/explanations of different offences crimes and punishments prescribed thereof. The First Information Report (FIR) and the Charge Sheet filed by the jurisdictional law enforcing authorities, will indicate the sections under which the crime/offence is booked, which provides the details of the nature of offence to the surveyor on perusal of the said documents. The Act defines Offences against property, offences relating to documents, offences against public tranquility, Offences affecting the public health, safety, convenience, decency and morals, etc.
Actual acquisition cost
Prescription drug program phrase that means the actual cost of a drug to the pharmacy or to the managed care plan that contracts with the pharmacist.
Actual authority
Authority that an insurer intentionally gives to the agent. See express authority and implied authority.
Actual Cash Cost
Flexible valuation standard, most often defined as the current replacement of an item of property minus its accumulated depreciation.