Provision in a group term life insurance policy that equal installments are paid by the insurer over a specified time period in the event of an insured’s total and permanent disability.

Life income option with a refund that specifies that proceeds remaining on the death of the beneficiary will be paid in installments to the contingent payee.

Payment of an insurance policy’s proceeds in a series of payments at regular intervals instead of a lump sum.

Nonprofit professional association for the advancement of technology referred to by the letters I-E-E-E (pronounced “eye-triple-E”). IEEE is a leading authority on areas ranging from aerospace systems, computers, and telecommunications to biomedical engineering, electric power, and consumer electronics.

Under the Medicare program, a facility that meets Medicare’s definition of a long-term care facility such as a nursing home or skilled nursing facility. This does not include assisted or adult living facilities or residential homes.

Medical services provided on an inpatient basis in hospitals, nursing homes, or other inpatient facilities. Some institutions and departments within organized units use this phrase to refer to services delivered on an outpatient basis.

Hospitals, ambulatory surgical centers, nursing homes, day care centers, and alcohol and substance abuse centers that have a contractual agreement with an insurance plan to provide health care services to members of managed care plans and eligible Medicare beneficiaries. Institutional providers bill the insurance carrier or fiscal intermediary directly.

Advisory boards composed of physicians, scientific professors, ethicists, and concerned nonscientists that have been created by federal legislation to oversee research on human subjects and to protect those subjects from research abuses.

Detailed descriptions about diagnostic code selection for the insurance biller that appear at the beginning of a heading, in parentheses before or after a code, or in parentheses as part of the code’s description. Also see inclusion note .

Physical activities that are necessary for living independently in the community such as cooking meals, shopping for groceries, managing money, taking medications, using the telephone, doing laundry, and housekeeping. Compare with activities of daily living (ADLs) .