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Today's Terms
Licensed Clinical Social Worker (LCSW)
Definition:
Certification by a state as a licensed clinical social worker. Such licensure often requires at least two years experience with a direct client caseload under supervision.
Cost-of-living adjustments
Definition:
Each January, your benefits will increase automatically if the cost of living has gone up. For example, if the cost of living has increased by 2 percent, your benefits also will increase by 2 percent.
Own Occupation (Own Occ)
Definition:
Under this definition, an insured will be considered disabled only if he or she is unable to perform the duties of his or her occupation.
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