Pathological condition (mental retardation or a related condition) that begins to develop before 18 years of age. This chronic disability results in impaired intellectual functioning and/or deficiencies in necessary physical skills used in daily living activities.

In group creditor insurance, a premium rate for a contributory plan that is higher than the prima facie rate. It is based on the group’s actual claims experience. An insurance company can charge a deviated rate only after the prima facie rate has been in effect for a specific period of time and only after being granted permission by the state insurance commissioner.
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A rate, offered by a company that usually follows the rates recommended by a lawyer, which is lower than the recommended rate in that area.