Category for an insured or applicant of insurance who has a lower expectation of incurring a loss and has greater life expectancy than a standard applicant and qualifies for a reduced premium rate (e.g., applicant who does not smoke, applicant who does not drink). Also called superstandard risk class.

System of financially supporting the cost of retirement coverage while employees are still working.

Federal legislation enacted in 1978 requiring employers with 15 or more employees who are engaged in interstate commerce and subject to Title VII of the Civil Rights Act of 1964 to give the same benefits for pregnancy, childbirth, and related medical conditions as benefits for other illnesses or injuries.

In workers’ compensation cases, an employee’s capability to perform work before any work-related injury or illness.

Application form used when the applicant might not be issued or will be issued with a high substandard rating that the premium will be unacceptable. Also called trial application.

Eight diagnosis-related groups (DRGs) to which cases are assigned that are based on procedure codes before classifying them to a major diagnostic category (MDC). The eight DRGs are one each for the heart, liver, bone marrow, simultaneous pancreas/kidney transplant, pancreas transplant, and lung transplant and two for tracheostomies.

Infant, regardless of birth weight, born before 37 weeks of gestation.