Feeling Lucky
This city is known as "Music City"
What Nashville
Type of LTD plan in which the benefit is completely Tax Free.
What are Voluntary and/or Gross Up
The two recognized causes of disability.
What are Injury or Sickness
Conditions that an employee has before becoming eligible for LTD coverage.
What are Pre Existing Conditions
The idea that the carrier that is inforce on the Date of Disability is responsible for the claim for the entire life of the claim.
What is Actively at Work provision. (Golden Rule of Disability)
The nickname for the AT&T Building in downtown Nashville
What is The Batman Building
The method in which a group's Maximum LTD benefit eligibility amount is determined.
What is by taking the average of the top 5 earners.
The period of time in which a disabled employee must meet before receiving benefits.
What is the Elimination Period
The first and second numbers in a Pre-Ex, defined.
What are the number of months prior to enrollment, and the number of months post enrollment.
If you cannot earn more than 20% of your Pre-Disability Earnings.
What is Total Disability.
This park is home to the only replica of the Greek Parthenon
What is Centennial Park
This allows for part-time work during the EP. In this case, the claimant is still earning less than the Earnings Test.
What is Residual Disability
The period of time in which a disabled employee may return to work without having to re-satisfy their elimination period.
What are Trial Work Days
Method to help control the cost of LTD by minimizing the possibility of subjective claims. (conditions that cannot be medically verified).
What are Limited Benefits (Limitations) (Self-Reported, Specific Conditions)
Benefits are deducted due to this... the most common of these are Social Security and Workers Compensation.
What is Other Income (Residual Income)
These are an iconic candy loved by Nashvillians. Made of peanuts, caramel, marshmallow and milk chocolate
What are GooGoos
If you are still able to work part-time after the EP, you get to keep all of it. "Get you back to whole"
What is Return to Work Benefit (incentive)
The percentage of earnings required to receive benefits is known as.
What is the Earnings Test
Lower back pain, Chronic fatigue
What are examples of Self Reported Symptoms
Ways to keep LTD premiums down.
What is Reducing Benefit Duration, Increasing EP, Reducing Benefit Percentage, Increasing PreEx, Increasing Limitations.
This team will play the Nashville Predators in the First Round of the Stanley Cup Final.
What is Knoxville?
The strongest Return to Work Benefit. (Partial Disability Formula).
What is Mutually Progressive Partial
Loosely defined as an occupation for which you are suited (education, experience, training) that can provide you a certain level of income within 12 months of your return to work.
What is Gainful Occupation (Any Occ)
Conditions treated within the 3 months prior to the effective date are not covered until 12 months actively at work or 3 months treatment free.
What is a 3/3/12 Pre-Ex
The difference between "Full Family" and "Primary" Offsets.
What is the offset applied to a benefit pertaining to the claimants social security benefits. Full Family offsets with the claimants and his family's SS while Primary offsets with just the claimants SS.