Detailed explanation of the skills, duties, and physical and mental qualifications required for performing and carrying out tasks by an employee. This document is referred to in a disability case that will undergo rehabilitation and is used to evaluate work potential.

Situational phrase meaning a person’s inability to change his or her employment because it would result in losing vital health insurance benefits.

Annuity in which a series of payments is given to two or more annuitants until their deaths. Also called joint and last survivorship annuity .

Life insurance settlement choice in which payments are made to two or more payees until their deaths.

Individual legally entitled to share in the proceeds of an insurance policy.

Formerly Joint Commission on Accreditation of Healthcare Organizations (JCAHO). Established in 1951 as Joint Commission on Accreditation of Hospitals (JCAH). It is a not-for-profit accrediting body for clinics, hospitals, and other federal and military facilities. The Joint Commission reviews the policies, patient records, credentialing procedures, and quality assurance programs of the facility. When the Joint Commission awards official approval, it means the quality and high standards of the facility have been met after their scrutiny. This is the goal of every facility that goes through the process about every 3 years.

Written agreement by a covered entity giving sanction to use the approval of another covered affiliated entity.