Under a Medicare Part D plan, this phrase means the sum total the insured pays plus the dollar amount that the insurance plan pays for the drugs.

1. Phrase that varies in meaning from one disability insurance policy to another. An example of a liberal definition might read, “The insured must be unable to perform the major duties of his or her specific occupation.” Also called full disability . 2. In nonoccupational injury or illness, unable to perform ordinary activities like someone of the same age. 3. In a workers’ compensation case, unable to perform substantial duties of his or her occupation. Also see permanent disability (PD) .
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US: An illness or injury which prevents an insured person from continuously performing every duty pertaining to his/her occupation or engaging in any other type of work. (This wording varies among insurance companies.)
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An illness or injury which prevents an insured person from performing any duty of his occupation or any other profitable work.
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Disability which prevents the insured from performing any duty of his usual occupation or from performing any occupation for remuneration. The actual precise definition depends on the wording of the Policy.

Insurance policy cost comparison system that adds a policy’s premiums and subtracts dividends and cash value. TNC is not allowed by the National Association of Insurance Commissioners (NAIC) Model Life Insurance Solicitation Regulation because it does not consider the time value of money.

Operations management philosophy to continually improve performance, quality, and cost effectiveness by putting into operation employee involvement programs, self-directed work teams, flexible service delivery processes, quick changeover and adaptability, customer focus, supplier integration, and production cycle time reduction. Some health care organizations adopt TQM programs to meet competition. Also called continuous quality improvement (CQI) .

Sum of the three components (physician work, physician expense, malpractice costs), used in the formula to develop relative value units under the resource-based relative value scale for each medical service performed. These three relative value units (RVUs) are then adjusted according to geographical area and used in a formula to determine the resource-based relative value scale (RBRVS) for the Medicare fees published annually in the Federal Register .

Total permanent disability incurred by a service member while on active duty.