Situation when a member of a group of a managed care plan incurs insurance claims in excess of a certain dollar limit during the contract period and this excess it not charged against the group’s experience. Also see stop loss .

Under the Health Insurance Portability and Accountability Act (HIPAA), data that comprises a subset of health information including demographic information collected from an individual and created or received by a health care provider, health plan, employer, or health care clearinghouse. It relates to past, present, or future physical or mental health or condition of an individual and it identifies the individual.

Unforeseen, unintended event that takes place at the worker’s job site. Also known as workers’ compensation injury .
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Social security case law definition: an accident arising while he is doing what his contract obliges him to do, and because of the risk created by what his contract obliges him to do. The accident must therefore be one which happens while he is within what has been called the scope or ambit of his work. An electrician injured while driving to work was held not to have had an industrial accident. An employee who has suffered an industrial injury does not have to satisfy the national insurance contributions for statutory sick pay and benefits.

Office that administers and governs workers’ compensation regulations in each state.

Any communicable disease or one that can be transmitted from one human to another or from animal to human by direct or indirect contact.

Human body fluids that are considered potentially contagious are amniotic fluid, cerebrospinal fluid, pericardial fluid, peritoneal fluid, pleural fluid, saliva, semen, synovial fluid, vaginal secretions, any body fluid that is contaminated with blood, and all body fluids where it is difficult to differentiate among body fluids. Infectious material also refers to unfixed tissue or organ from a human (living or dead), cell or tissue cultures containing human immunodeficiency virus (HIV) and blood, and organs or tissues from animals infected with HIV or hepatitis B virus (HBV).

Condition of being unable to produce offspring.

Additional provision to a homeowner’s insurance policy that automatically adjusts the dwelling limit on renewal of the policy because of current construction costs. Also called inflation guard endorsement .