|
Term
|
Definition
|
|
hard market
|
insurance market conditions generally characterized by increasing premium, reduced scope of coverage, and a limited number of insurers willing to write coverage (opposite of soft market)
|
|
healing arts
|
older term for some forms of medical treatment
|
|
health maintenance organization (HMO)
|
group of medical providers that contract to provide care based on a fixed amount per person covered rather than the traditional fee-for-service basis
|
|
hearing
|
formal or informal meeting between the parties in a WC claim, presided over by one or more WC regulators, for the purpose of resolving disputes or confirming negotiated agreements
|
|
hearing examiner
|
for WC, a state official who reviews WC disputes and issues decisions
|
|
hearing representative
|
person, not an attorney, who appears at WC hearings on behalf of an injured worker or an employer (not permitted in all states)
|
|
“hidden costs of employee injuries”
|
indirect costs of finding and training replacement workers, loss of experience workers, and lowered morale
|
|
holding power
|
in a loss-sensitive program, the maximum amount of loss that can be “held” within the rating plan
|
|
horseplay
|
For WC, conduct in the workplace that is not part of the employee's duties and creates compensability issues
|
