In workers’ compensation cases, the ability of an individual to perform a job and meet the conditions of employment as defined by the employer.
Insurance Encyclopedia
Employee
MEDICAL,USA: 1. Person who performs a service for someone else under employment or contract for hire. A contract can be expressed or implied or oral or written. 2. Under Medicare Secondary Payer guidelines, this is defined as an individual who is working for an employer or an individual who, although not actually working for an employer, is receiving from an employer payments that are subject to Federal Insurance Contributions Act (FICA) taxes or would be subject to FICA taxes except that the employer is exempt from those taxes under the Internal Revenue Code (IRC).
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UK: Anyone under a contract of service as opposed to a contract for services. The difficulty in making the distinction has led to the development of legal tests. To avoid legal disputes the insurer defines ’employee’ broadly in employers’ and public liability policies (the latter for the purpose of an exclusion). The definition extends to: labour gangs, sub-contractors, self-employed persons, persons hired or borrowed by the insured, volunteers, etc. The Employers’ Liability (Compulsory Insurance) Act definition is: ‘An individual who has entered into or works under a contract of service or apprenticeship with any employer, whether by way of manual labour, clerical work, or otherwise, whether such contract is expressed or implied, or oral or in writing.’ See EXEMPT EMPLOYEES; EMPLOYEE/EMPLOYER RELATIONSHIP.
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One who performs services for another under a contract of hire; acting under the Direction and control of the person by whom he is hired.
Employee (WC Amendment Act 2009)
An employee is deemed to be a workman within the meaning of the Act if the following pre-requisites are present: (a) a contract of employment (expressed or implied, oral or written) between the employee and the employer: (b) relation of master and servant between the two, and (c) employment is for the purpose of the employer’s trade business.
employee assistance program (EAP)
Occupational health service program for employees, their family members, and employers to assist with personal or financial problems (e.g., family or marital issues, on-the-job stress, legal problems, child care, substance abuse).
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Employee assistance programs (EAP) are provided to employees by an employer to address, treat, and prevent mental and behavioral problems, especially addictive problems. Help with family stress, relationships, and financial management may also be included. The purpose is to keep the employee well adjusted and productive. An EAP can be effective in reducing workers compensation and group health insurance costs.
Employee benefit program (Health Insurance/Life Insurance)
Benefits provided to an employee by the employer for expenses such as medical care, death, or disability.
Employee Benefits
Advantages besides salary or wage that an employee may have through his employment.
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MEDICAL,USA: Any type of indirect compensation besides an employee’s salary and wage that is available through his or her employment. Also called fringe benefits . These benefits may include group health insurance, group life insurance, and a pension plan.
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UK: Benefits that are part of an employment package wholly or partly funded by the employer. They may include pensions, life cover, critical illness cover and income protection.
Employee benefits consultant
Individual who specializes in selling and servicing employee benefit plans. He or she may also assist the employer in changing a benefit program. Usually they are paid through commissions from the insurance company or by the policyholder.
Employee benefits plan liability coverage
protects the insured employer against claims by employees or former employees resulting from negligent acts or omissions in the administration of the insured’s employee benefits programs.
Employee census
Data that relates to insured persons in a group insurance policy such as age, sex, occupation, earnings, and status of dependency.
Employee certificate of insurance (Health Insurance/Life Insurance)
The proof of membership in a group plan given to an employee. This usually consists of a short outline of the plan’s benefits and a certificate of insurance.