aims to end discrimination against disabled persons in regard to: access to goods, services and facilities; buying or renting property; employment. It is unlawful to treat the disabled less favourably than others and it is now necessary to make reasonable adjustments in the way services are provided. From 2004, service providers will have to consider adjusting the physical features of their premises where they disadvantage the disabled using the service. The law applies to employers with 15 or more employees and to service providers. Discrimination is a source of claims under employment practices liability insurance. See DISABILITY 1.
Insurance Encyclopedia
Disability income benefits
Payments for loss of income under a group life (permanent and total disability income), short-term disability income, or long-term disability income insurance contract.
Disability Income Insurance
US: A form of health insurance that provides periodic payments to replace income when an insured person is unable to work as a result of illness, injury, or disease.
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Health and Personal Accident Insurance that provides periodic payments if the insured becomes disables as a result of illness or accident.
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MEDICAL,USA: Type of insurance that provides monthly payments to replace income when the insured is unable to work as a result of illness, injury, or disease—not as a result of a work-related accident or condition. Sometimes called loss of time insurance, nonoccupational insurance , or disability insurance .
Disability income insurance (Health Insurance)
Insurance that covers the insured in the event that he or she is sick or injured to the point of not being able to work. Under this type of policy, payments are made at regular intervals to replace a regular income.
Disability insurance
MEDICAL,USA: 1. See disability income insurance . Also known as nonoccupational insurance or loss of time insurance . 2. See Old-Age, Survivors, and Disability Insurance (OASDI) Program .
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Coverage which generally provides non-occupational weekly benefits payable to employees for accident or sickness not within the scope of workmen’s compensation law.
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Disability insurance pays an insured person benefits in the event the person becomes incapable of working due to an accident, a sickness, or both. Generally, policies are designed to replace 50 to 65% of the insured’s earned income prior to the accident or illness. The disability insurance policy can be written in a number of ways and some of the applicable terms are noted below:
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Health insurance that provides income payments to the insured wage earner when income is interrupted or terminated because of illness, sickness, or accident.
Disability insurance (Health Insurance/Life Insurance)
Insurance that pays out in case of a disability that renders the insured unable to earn an income. Policies can provide coverage in the case of total, catastrophic, or residual disability.
Disability Insurance Training Council Inc. (Health Insurance)
A branch of the National Association of Health Underwriters that attempts to support education by local health associations. The council also administers university and executive seminars.
Disability insured (Health Insurance)
A status that the insured must be granted by the Social Security Administration to collect disability benefits. This status is only granted if the insured has paid social security taxes in 20 of the 40 quarters preceding the claim being filed.
Disability pension (Life Insurance)
A pension paid out to a worker who has become disabled. This is usually paid at a normal retirement age.
Disability Percentage Table
A Table showing various disabilities (e.g., loss of an eye or a finger) and the percentage of total disability that each is deemed to represent.