Situation in which those insured under a group policy pay the complete cost of their insurance.

Insurance plan method of funding in which the insurance company assumes all risk and the insured group bears none. Usually, premiums are higher in this type of plan.

Test that assesses both the ability to perform a task and the structural design limits of the person who is actually doing the task. FCE focuses on work activities (in an effort to reduce the potential for injury) such as sitting, standing, walking, reaching, lifting, and bending. This standardized evaluation is also commonly referred to as a physical capacity evaluation , work capacity evaluation , or disability assessment .
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US: is a compilation information that 1. objectively assists in measuring functional abilities and consistency of efforts, 2. provides further data for the determination of permanent work capacity and 3. helps to promote safe work parameters.

Standardized and validated advanced level of testing to determine safe job match for return to work, to assess the level of reasonable accommodations necessary to reinstate an injured worker, and to assign the level of disability for permanent and partial impairment ratings. This testing is used for an injured worker who has achieved maximum medical improvement.

Operating costs such as claims administration expenses (CAE) and general office expenses (GOE) that are categorized by function.

Scoring system that measures the degree of functional self-sufficiency in patients going through the rehabilitation process.

Individual’s inability to perform specific movements due to some type of physical impairment.

Emotional aspect of an organic disease. It is characterized by symptoms that continue long after clinical signs of the disease or disability have ended.