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Falsification of Accounts

Willful and with intent to defraud, destroying, altering, mutilating or falsifying any book (electronic record), paper, writing, valuable security or account belonging to Employer or deemed to be in his custody by one or more of clerk, officer or servant or employed or acting in any such capacity. The document is received by such person for or on behalf of his employer and he willfully and with intent to defraud made or abets the making of any false entry in or omits or alters or abets the omission or alternation of any material particular from or in any such book, electronic record, paper, writing, valuable security or account etc. It shall be sufficient in any charge to allege a general intent to defraud without naming any particular person intended to be defrauded or specifying any particular sum of money intended to be the subject of the fraud, or any particular day on which the offence was committed. (Section 477.A of Indian Penal Code).

Family and Medical Leave Act (FMLA) of 1993

A law allowing employees to take up to 12 weeks annually of job-protected unpaid leave. Such leaves are permitted in the event of a serious illness of the employee or family member, or the birth or placement (through adoption or foster care) of a child. The law applies to employers having 50 or more employees and to employees who have worked for the employer for a minimum of 1,250 hours during the prior year. Charges of discrimination against those taking leave under the Act (or by those prevented from taking leave under the Act) can be filed with the Department of Labor, which investigates and enforces claims. In addition, an employee can sue his or her employer individually. Such claims are covered by employment practices liability (EPL) policies.

Family and Medical Leave Act of 1993 (FMLA)

Federal law requires that covered employers must grant an eligible employee up to a total of 12 workweeks of unpaid leave during any 12-month period for one or more of the following reasons:• For the birth and care of the newborn child of the employee• For placement with the employee of a son or daughter for adoption or foster care• To care for an immediate family member (spouse, child, or parent) with a serious health condition• To take medical leave when the employee is unable to work because of a serious health condition

Family deductible

1. Specific dollar amount that must be paid either monthly, quarterly, or annually by an individual, covered family member or a specified amount of time that must elapse before a medical insurance plan or government program begins covering health care costs. For the majority of plans, this amount must be incurred each calendar or fiscal year before insurance benefits will be reimbursed. 2. One deductible that when fulfilled relieves a family of satisfying a deductible for each individual family member.

Family Dependent

A person entitled to coverage because he or she is (i) the enrollee’s spouse, or (ii) a single dependent child of either the enrollee or enrollee’s spouse (including stepchildren or legally adopted children), (iv) dependent parents or dependents parents-in law including step father/mother/in-laws (v) Widowed daughter/Divorcee Daughter and her dependent child (vi) A resident of the enrollee’s home subject to approval by insurer.