Beneficiary - The person that the insured names to receive the policy benefit in the event he dies.

Benefit coordination - See benefit integration.

Benefit duration - The length of time that medical or STD/LTD benefits will be paid to an employee, as specified by the insurance contract or plan design. Federal requirements for benefits duration are contained in the Age discrimination in Employment Act (ADEA).

Benefit integration - 1) Reduction of a scheduled benefit by amounts paid or available to an employee from other disability-related sources of income. For STD and LTD plans, other sources could include workers' compensation, government disability plans, disability benefits from pension plans, retirement benefits, and Social Security disability benefits both primary and family, also known as benefit coordination or offsets. 2) Interdependent administrative and benefit design provision of STD, LTD, WC, and other paid time off benefits to achieve cost savings, optimal medical treatment, and return to work.

Benefit percentage - Percent of weekly (short-term disability) or monthly (long-term disability) salary that will be replaced.

Board Certification - A status awarded by a professional association indicating that the health care practitioner has met specific standards of knowledge and clinical skill within a specified field. The board certification process usually involves passing a written and oral examination administered by the professional certification committee.

Broker - An individual who represents an insured in the solicitation, negotiation or procurement of insurance. An insurance broker does not represent insurance companies as agent but places orders with insurance companies.