Eligible individual who applies for group health insurance after the 31-day open enrollment period.

Inactive residual effect or condition produced after the acute phase of an illness or injury has ended. There is no time limit on when late effects can appear. For example, an individual could suffer an injury and then years later develop arthritis at that site. When listing the diagnostic code, sequence the condition code first and then the late effect code, unless the late effect code is combined with the manifestation in one code or the late effect is followed by the manifestation. Also known as sequelae .

Dollar amount an individual must pay if there is a time limit for enrollment into a health plan and the patient delays enrollment beyond the deadline.

Under a Medicare Part D plan, this phrase means it is the extra dollar amount added to the monthly insurance premium if the Medicare beneficiary does not enroll when first eligible unless he or she is covered by creditable coverage from another plan. The penalty is 1% for every month past the end of the initial enrollment period that was May 15, 2006.

After the normal retirement age of 65. Qualified pension plans cannot force a plan participant to retire at a specific age and cannot stop accruing pension benefits if he or she wants to work beyond the normal retirement age.

Proposal to encourage reinstatement of a lapsed insurance policy by accepting an overdue premium after the grace period. Usually such offers do not require submission of evidence of insurability or completion of a reinstatement application. Also called late-payment offer .