In disability income insurance (nonoccupational accident or illness), an employee cannot perform the duties of his or her occupation for a short period of time.

Insurance provision to pay benefits to a covered disabled person as long as he or she remains disabled, up to a specified period not exceeding 2 years.
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US: The provision to pay benefits to a covered disabled person as long as he/she remains disabled up to a specified period not exceeding two years.

Difference between the billed charge for a hospital service and the actual payment the hospital receives from a third-party payer.