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Term
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Definition
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idiopathic injury
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injury with an unknown cause
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IIPP
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see Injury and Illness Prevention Program
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inclusion form
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legal document that sole proprietors, partners, officers, or directors use in some states to choose to have their own work injuries or illnesses covered by WC
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increased risk doctrine
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general principle in some states that considers street risk and holds that only injuries where the work increases the risk of injury are compensable (opposite of positional risk doctrine)
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incurred but not reported (IBNR)
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for WC, formula reserves established for losses that are likely to have occurred but have not yet been reported to the insurer
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incurred loss retrospective rating plan (incurred loss retro)
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a retrospective rating plan based on both paid and reserved losses
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incurred losses
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paid losses plus outstanding reserves
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indemnity benefits
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includes temporary total disability benefits, temporary partial disability benefits, permanent partial disability benefits, vocational rehabilitation benefits, permanent total disability benefits, life pensions, cost-of-living adjustments, death benefits, and, funeral benefits
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independent contractor
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worker who is not essential to the employer's business and for whom the employer does not control the means and methods to accomplish the work – states have specific laws establishing "tests" of whether the worker is an employee or an independent contractor
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independent medical examination (IME)
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medical examination of an injured worker usually requested by the employer or a WC regulator and conducted by a medical provider other than the worker's treating physician
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independent medical examiner
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any medical provider that performs an IME
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industrial accident board
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older term for workers compensation commission
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industrial accident commission
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older term for workers compensation commission
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industrial age
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period of time beginning with the Industrial Revolution
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industrial insurance
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older term for workers compensation insurance
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Industrial Revolution
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most specifically, this refers to a time period in England from about 1760 to 1830 when large machines were put into widespread use and many workers moved from farm-based jobs to factory work. The Industrial Revolution occurred somewhat later in the USA and there were also industrial revolutions in many other countries during this time period
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infectious disease
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any disease characterized by infection; similar to communicable disease
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information page
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The “face” page of a workers compensation policy that contains specific information about the employer and the insurer
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injured worker (IW)
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any worker, whether employee or independent contractor, who files a WC claim
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Injury and Illness Prevention Program (IIPP)
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Some occupational safety laws require employers to create such programs
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inpatient
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occurring while one is an admitted patient in a hospital
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insolvency
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For WC, the insolvency of the employer does not prevent the payment of benefits by the WC insurer
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inspections clause
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WC policy condition that gives the insurer the right to inspect the employer’s workplace at any time
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insurance coverage
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see coverage
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insurance policy
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legal contract establishing insurance coverage
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insurance premium
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see premium
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insured
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older term for policyholder
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insurer
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company or organization that assumes financial risks in exchange for payment of a premium
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integrated disability management (IDM)
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an approach to claims administration that integrates claim-handling strategies for WC, short-term disability, and long-term disability coverage
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intentional injury
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for WC, a self-inflicted injury that creates a compensability issue
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intentional tort
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for WC, an allegation that the employer deliberately injured the worker; in some cases, can defeat the exclusive remedy doctrine and allow the worker to sue the employer in civil court
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investigation
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development and documentation of facts by phone (desk-level investigation) or in-person (outside investigation); may include interviews, statements, photographs, diagrams, securing physical evidence, and obtaining official reports
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