Glossary - Know exactly like a health insurance expert!

What is What is Temporary Disability Benefits (TDB)?
Legislated benefits payable to employees for nonoccupational disabilities under TDB laws in certain states. See also Disability Benefits Law.

What is Temporary Partial Disability?
A condition where an injured party's capacity is impaired for a time, but he is able to continue working at reduced efficiency and is expected to fully recover. (WC,H)***

What is Temporary Total Disability?
A condition where an injured party is unable to work at all while he is recovering from injury, but he is expected to recover. (WC,H)***

What is Ten Day Free Look?
A notice, placed prominently on the face page of the policy, advising the insured of his or her right to examine a health policy, and if dissatisfied return the policy within ten days for a full refund of premium and no further obligation.

What is Tertiary Care?
Services provided by such providers as thoracic surgeons, intensive care units, neurosurgeons, etc.

What is Terminally Ill?
A term which refers to the status of a person who will normally die within 6 months of a specific illness or sickness. Often refers to the terminally ill requirement for hospice care.

What is Therapeutic Alternatives?
Alternate drug products which may be different in chemical content, but provide the same effect when administered to patients.

What is Third-Party Payor?
This refers to any organization such as Blue Cross/ Blue Shield, Medicare, Medicaid, or commercial insurance companies which is the payor for coverages provided by a health plan.

What is Time Limit on Certain Defenses?
One of the uniform individual accident and sickness provisions required by state law to be included in every Individual Health Policy. It sets a limit on the number of years after a policy has been in force that an insurer can use as a defense against a claim the fact that a physical condition of the insured existed before the policy was issued, but was not declared at that time.

What is Total Disability?
A degree of disability from injury or sickness that prevents the insured from performing the duties of any occupation from remuneration or profit. The definition in any given case depends on the wording in a covering policy.

What is Travel Accident Insurance?
A form of Health Insurance limiting coverage to accidents occurring while the insured is traveling.

What is Treatment Facility?
Any facility, either residential or nonresidential, which is authorized to provide treatment for mental illness or substance abuse.