Glossary
Aetna
"Aetna Life Insurance" is the organization King County contracts with to provide life insurance benefits.
Automobile
An "automobile" is a private-passenger motor vehicle with four or more wheels that is both designed and required to be licensed for use on the highways of any state or country. An "automobile" includes, but isn't limited to, a sedan, station wagon or jeep-type vehicle, or a motor vehicle of the pickup, van, camper or motor-home type. An "automobile" doesn't include a mobile home or any motor vehicle used in mass or public transit.
Base annual salary
"Base annual salary" is your base pay excluding overtime, bonuses, shift differential, premium pay or any other special pay.
Beneficiary
A "beneficiary" is the person or organization you designate to receive any life or AD&D insurance benefits payable at the time of your death.
CIGNA
"CIGNA Group Insurance" is the organization King County contracts with to provide AD&D insurance benefits. CIGNA Group Insurance products and services are provided by underwriting subsidiaries of CIGNA Corporation, including Life Insurance Company of North America. "CIGNA" is used to refer to these subsidiaries and is a registered service mark.
Covered accident—AD&D insurance
A "covered accident" is an event that causes bodily injuries while a person is covered under the AD&D insurance plan. The bodily injury must directly result in a covered loss.
Covered rehabilitative expense
A "covered rehabilitative expense" is an expense that:
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is charged for medically necessary rehabilitative training service of the covered person performed under the care, supervision or order of a physician;
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doesn't exceed the usual level of charges for similar treatment, supplies or services in the locality where the expense is incurred (for a hospital room and board charge, doesn't exceed the most common charge for semiprivate room and board in the hospital where the expense is incurred); and
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doesn't include charges that wouldn't have been made if there were no insurance.
Disabled—Life insurance
You're considered permanently and totally "disabled" only if disease or injury prevents you from working at your own job or any other job for pay or profit, and continues to prevent you from working at any reasonable job. A "reasonable job" is any job for pay or profit that you are (or may reasonably become) fitted for by education, training or experience.
Evidence of insurability (EOI)
"Evidence of insurability (EOI)" is any statement of a person's physical condition, occupation or other factor that provides proof that he/she is insurable.
Hospital
A "hospital" is a facility that:
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is operated according to law for the care and treatment of injured people;
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has organized facilities for diagnosis and surgery on its premises or in facilities available to it on a prearranged basis;
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has 24-hour nursing service by registered nurses; and
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is supervised by one or more physicians.
A "hospital" doesn't include:
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a nursing, convalescent or geriatric unit when a patient is confined there mainly to receive nursing care;
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a facility that is, other than incidentally, a rest home, nursing home, convalescent home or home for the aged, nor does it include any ward, room, wing or other section of the hospital that is used for such purposes; or
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any military or veterans' hospital or soldiers' home or any hospital contracted for or operated by any national government or government agency for the treatment of members or former members of the armed forces.
Licensed child care center
A "licensed child care center" is a facility run according to law, including laws and regulations applicable to child care facilities, and that provides care and supervision for children in a group setting on a regular, daily basis. A child care center doesn't include a hospital, the child's home, or care provided during normal school hours while a child is attending grades 1–12.
Limitation
A "limitation" is any restricting condition, such as age, time covered and waiting periods.
Medically necessary rehabilitative training service
A "medically necessary rehabilitative training service" is any medical service, medical supply, medical treatment or hospital confinement (or part of a hospital confinement) that is essential for physical rehabilitative training due to the injury for which it is prescribed or performed; meets generally accepted standards of medical practice and is ordered by a doctor.
Supplemental restraint system
A "supplemental restraint system" is an airbag that inflates for added protection to the head and chest area.
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