HCPCS codes that are temporary codes used by the private sector to report drugs and services.

1. Area or means of protection. 2. Business arrangement that is legal under a specific law but in other circumstances might be considered illegal. 3. Categories defined by the Department of Health and Human Services for practices that technically violate either the antireferral or antikickback statutes but have been exempted from penalty because they are not likely to bring harm to the federal health care programs.

1. Provision that affords protection from liability or penalty. 2. Protected business arrangement between a managed care plan and physicians in which the arrangement would not violate Medicare fraud and abuse laws. This statute can be found in the Code of Federal Regulations 1001.952.

Degree by which actuaries increase the probability of mortality for each age group in a mortality table for life insurance. This protects the insurance company from adverse experience.

Insurance sales representatives who are paid hourly instead of by commissions. Also known as salaried sales representatives.

Method that uses an insurance company’s salaried employees to sell and service insurance policies. They may work independently or with other sales agents.

Type of sick leave plan that allows employees to receive 100% of their salary for a specific number of days if they become ill or disabled. The number of days may increase as the worker’s length of service increases. Also called sick leave plan.

Employer-sponsored retirement savings program in which the employee invests pretax dollars that may be matched by the employer. Also referred to as Section 401(k) plan.