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Term
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Definition
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tax factor
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same as tax multiplier
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tax multiplier (TM)
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for retrospectively rated WC plans, the average of the taxes, fees, and assessments that apply to the account
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Teddy Award
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see Theodore Roosevelt Workers’ Compensation and Disability Management Award
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telecommuting
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work that is conducted primarily from the worker's residence
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temporary employer
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an alternate employer
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temporary partial disability (TPD)
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temporary, but only partial, incapacity from work of an injured worker – during a period of partial incapacity, an employee can perform SOME paid work
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temporary partial disability benefits TPD)
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wage replacement benefits paid to an injured worker during that employee's period of temporary partial disability
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temporary total disability (TTD)
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temporary, but total, incapacity from work of an injured worker – during a period of total incapacity, an employee is unable to perform ANY paid work
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temporary total disability benefits (TTD)
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wage replacement benefits paid to an injured worker during that employee's period of temporary total disability
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termination of benefits
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in some states, the employer / insurer / claim administrator can stop TTD or TPD unilaterally; in other states, they need to obtain either a signed agreement from the injured worker or an order from the court or regulator
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Theodore Roosevelt Workers’ Compensation and Disability Management Award
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annual award that honors companies, governmental units, or non-profit organizations for efforts to reduce on-the-job injuries and associated costs
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third party
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for WC, a person, organization, or entity-- other than an employer, employee, or insurer-- who is or may be legally responsible in some way or to some degree for a WC claim
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third party administrator (TPA)
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claim administrator that is not part of the first party (insured) entity or second party (insurer) entity (e.g., Crawford and Company)
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third-party case, third-party claim
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for WC, claim by the injured worker against a third party that could result in some reimbursement to a WC program (subrogation)
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third-party-over action
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in WC, a third-party claim where the third party demands contribution or indemnity from the employer as a result of the employer's own negligence
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Title VII claim
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Title VII of the Civil Rights Act of 1964 prohibits employers from discriminating on the basis of race, color, sex, religion and national origin -- Title VII also prohibits employer' sexual harassment and pregnancy discrimination as well as retaliation for making a Title VII claim
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toxicology report
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for WC, a medical or government report of test results for alcohol or other drug impairment
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trade-off
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for WC, the key trade-off is the workers’ rights to compensation for pain and suffering in exchange for not having to prove the employer’s negligence to recover
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transfer of rights clause
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WC policy provision that prevents the employer from transferring its rights under the policy to another entity without written consent of the insurer
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transitional duty / transitional work
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same as modified duty / modified work
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traveling employee
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employee who is temporarily away from his or her normal work location on business
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treating physician (treater)
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another term for a medical provider who treats the injured worker (not an independent medical examiner)
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trended losses
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raw losses adjusted to reflect inflation, including medical inflation
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twenty-four hour coverage
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coverage approach, such as that of New Zealand, that provides the same accident benefits whether one is in the course and scope of employment or not -- thought to reduce compensability disputes
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two-year back rule
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in a situation where the claim or notice period may be waived, sometimes the benefits are limited to two years back from the date the injured worker makes the claim
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