Health questionnaire filled in by an insurance applicant to obtain group insurance coverage; used as proof of insurability.

Insurance policy that protects the physician or his or her employees against claims of tangible personal physical injury suffered by others, as well as intangibles such as libel and slander.

Insurance plan issued to an individual (and/or his or her dependents). Also known as individual contract, individual health insurance, and individual health plan.

Trust agreement in which proceeds of the insured’s life insurance policy go into a trust and the trustee is named as beneficiary of the policy. When the insured dies, the proceeds are paid to the trustee, who manages and disburses the funds according to the terms of the agreement.

In workers’ compensation, a doctor of medicine or a doctor of osteopathy who, before a work injury, has directed medical treatment to an employee and keeps the employee’s medical records and medical history. This can be a corporation, partnership, or association of physicians.

Person appointed by the insurance company to act as an independent contractor, similar to a broker. A PPGA may be under contract to several insurance companies receiving a commission to sell insurance and overriding commissions on products sold by other agents.

Special clothing or equipment worn by an employee for protection against a hazard. Generally, uniforms are not considered personal protective equipment unless they function as protection against a hazardous condition at work.

Skill, education, and experience that makes an individual suited for a specific job or task.

Insurance system that employs commissioned or salaried sales agents to sell products by oral presentations to consumers.

Direction and management of a medical procedure given by the physician and the doctor must be present during the procedure. Some medical procedures require personal supervision to bill for a specific level of service. This level of supervision is required when billing “incident-to” services outside the office setting. Also see direct supervision and general supervision.