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Medicare (SSDI)
Two-part health insurance program for eligible disabled individuals and people age 65 or older
DWB
Disabled Widows (Widowers) Benefits. Title II benefit category for widows or widowers based on a deceased spouse's social security payments.
Maximum Benefit Period (Benefit Duration)
This is the maximum length of time for which benefits are payable under the plan as long as the employee remains continuously disabled.
Windfall Offset
A provision to prevent a person from receiving monthly SSI and OASDI benefits in excess of the total amount which would have been paid if the OASDI benefits had been paid when they were due rather than retroactively.
Social Security and Social Security Disability Insurance (SSDI)
Monthly cash benefit administered by the federal Social Security Administration (SSA) to retired or disabled workers and their qualified dependents. Beneficiaries must be 62 years of age or older, or disabled, and have enough work "credits" to be qualified.
Conversion Privilege
If included, this option allows employees who are terminating employment to continue some or all of their LTD coverage at their own expense without submitting evidence of insurability.
Elimination Period
This is the period of time between the date the disability commences and the beginning of the benefit payment period. It is the period during which an employee must be disabled before payment of benefits begins. It is sometimes referred to as the Qualifying Period.
IDEA
Individuals with Disabilities Education Act
Substantial Gainful Activity (SGA)
The level of work activity used to establish disability. A finding of disability requires that a person be unable to engage in SGA.
Unincurred Business Expenses
Self-employment business support given to you by someone else without cost. If you are self-employed, we deduct unincurred business expenses from earnings when we determine SGA.
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