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Dual basis payroll

Method of insuring ‘wages’ under a business interruption policy when not included in the full payroll in the gross profit item. The policyholder insures 100 per cent of his payroll for an initial limited period, e.g. 13 weeks, but only a percentage, e.g. 25 per cent, for the remainder of the indemnity period to retain key staff. On payment of an additional premium, the insured can ‘consolidate’, i.e. extend the initial period of full cover for a longer period with no cover thereafter.

Dual Capaciity Doctrine

Rule of civil procedure which permits an employee entitled to workers compensation benefits to also sue the employer on the basis that the employer acted wrongfully in some other capacity (for example, as a supplier of goods or an occupant of premises) causing harm to the insured employee and is therefore obligated to compensate the employee for more than workers compensation benefits.

Dual eligible

Individual who receives medical and/or disability benefits from both Medicare and Medicaid programs. Formerly called Medicare/Medicaid (Medi-Medi) . Also see Medicare/Medicaid (Medi-Medi) .