Individual who has a certificate of clinical competence from the American Speech and Hearing Association, has completed the equivalent educational requirements and work experience necessary for the certificate, or has completed the academic program and is acquiring supervised work experience to qualify for the certificate. SLPs specialize in the measurement and evaluation of language abilities, auditory processes, speech production, and swallowing problems.

Treatment to regain and strengthen speech skills.

In the Medicaid program, process of using up assets or income until an individual reaches the eligibility level because of the need for confinement in a nursing home or for long-term care. Also referred to as spending down .

Provision in a life insurance policy that protects its proceeds from being seized by the beneficiary’s creditors.

In Medicare fraud, to use a separated or divided billing scheme such as billing procedures over a period of days when all treatment occurred during one visit.

Type of retirement plan in which contributions are shared between the insured and an uninsured plan to have advantages of guaranteed income and investment flexibility.

System of funding a retirement plan in which part of the total contributions are used to purchase a permanent life insurance policy and the remainder of the funds are used to purchase another fund held and invested by a trustee.

1. In disability income insurance, employer and employee each pay a portion of the premium. The employer pays for coverage for sick pay or paid disability leave as an employee benefit. The employee pays for disability coverage beyond what the employer provides. 2. In life insurance, premiums, ownership, and death proceeds are paid jointly by an employer and an employee. The employer may elect to pay part or all of the premium. If the employee dies, a beneficiary receives the difference between the cash value and the amount paid to the employer, whichever is greater. Two types of split-dollar life insurance policies are endorsement and collateral.