COE

1. Acronym for occurring in the “course of employment.” An injury must occur in the course of employment to be compensable in workers’ compensation. Thus the activity the employee was engaged in at the time of injury must grow out of, or be incidental to, the employment. 2. Abbreviation for center of excellence. See center of excellence (COE).

Cognitive

Relevant to the mental processes of comprehension, judgment, memory, perception, and reasoning as compared with emotional and volitional processes.

Cognitive impairment

Deterioration or loss of intellectual capacity that requires continual supervision to protect the insured or others, as measured by clinical evidence and standardized tests that reliably measure impairment in the area of (1) short- or long-term memory; (2) orientation as to person, place, and time; or (3) deductive or abstract reasoning. Such loss in intellectual capacity can result from Alzheimer’s disease or similar forms of senility or irreversible dementia.

Cohort

Population group that shares a common property, characteristic, or event such as a year of birth or year of marriage. The most common one is the birth cohort, a group of individuals born within a defined time period, usually a calendar year or a 5-year interval.
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UK: a body of claims, for example, claims grouped by accident year, report year or underwriting year.

Coinsurance provision

1. Clause in a health insurance contract that requires the insured to pay a specific percentage in excess of the deductible of all eligible medical expenses. 2. Clause in property insurance agreement whereby the property owner is to carry insurance up to an amount established with the provisions of the policy. This is a stated percentage of the value of the property.