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D

Deductible
The amount of money you must pay up front each year to cover your medical care expenses before your insurance policy starts paying.

Dependent Life Insurance
Group life insurance made available to group members, usually on an optional and contributory basis, to cover the spouse, children, or other dependents of the group member. It is usually sold in small dollar amounts, and is intended for funeral expenses.

Disability
Inability to work due to an injury or sickness. See also partial disability and total disability.

Disability Benefits
Benefits that are payable periodically while an insured continues to be disabled. "Being disabled" is generally defined in terms of inability to work. See also total disability.

Disability Income Insurance
A type of health insurance designed to compensate insured people for a portion of the income they lose because of a disabling injury or illness. Generally, benefits for disability income insurance are provided for the disabled person in the form of monthly payments. Sometimes called loss of time insurance. See also short-term disability income insurance.

Disability Table
(1) A tabulation of the probabilities of becoming disabled at each age, plus certain related figures. (2) A tabulation of the number of persons who are still disabled at each

 

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