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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.
Impairment-Related Work Expenses (IRWE)
Definition:
The provision that permits the exclusion from earnings of the costs of items and services which are needed in order for a disabled individual to work, which are paid for by the individual, and which are necessarily incurred by that individual because of a physical or mental impairment.
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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