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Term
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Definition
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occupational disease (OD)
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sickness or disease arising out of or in the course of employment (state WC statutes differ as to which diseases are covered)
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occupational health clinic (OHC)
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medical clinic specializing in the diagnosis and treatment of occupational injury, illness, or disease
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Occupational Safety and Health Act (OSH Act)
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federal statute enacted in 1970 to promote workplace safety
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Occupational Safety and Health Administration (OSHA)
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federal agency in the Department of Labor created by the Occupational Safety and Health Act of 1970; responsible for establishing federal standards to promote occupational safety and health; an employer's responsibilities under OSHA are not currently covered by the WC policy; states also have their own OSH agencies
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occupational therapy (OT)
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type of rehabilitation therapy that uses real life activities in specific areas and with specific goals, to help patients lessen or overcome physical disabilities
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odd lot doctrine
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in some states, a relatively minor permanent impairment may be combined with other factors to generate a permanent total disability benefits award
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Office of Workers Compensation (OWCP)
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U.S. agency that administers federal WC programs
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officer
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see corporate officer; sole proprietors, partnerships, and limited liability companies (LLCs) do not typically have officers
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offset
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for WC, any type of financial recovery that reduces the ultimate cost of the claim – these recoveries include subrogation, subsequent injury fund relief, contribution from another WC payer, apportionment, or, in some cases, SSDI benefits
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organized labor movement
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workers grouping together to negotiate their terms of employment; trade unions and collective bargaining emerged from the organized labor movement
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other states insurance
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Coverage in Part Three of the WC policy that pays benefits in listed states where the employer has no known WC exposure but might receive a claim
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Outer Continental Shelf Lands Act (OCSLA)
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extends USL&H coverage to employees on offshore drilling platforms
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Outer Continental Shelf Lands Act Coverage Endorsement
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endorsement to WC policy that covers the Outer Continental Shelf Lands Act
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outpatient
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occurring to someone not current admitted to a hospital (e.g., outpatient surgery center)
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outsourcing
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having work, work that could be done by employees, done by another employer
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