Railroad Retirement Act - Federally administered legislation that provides coverage similar to workers' compensation benefits for railway employees.

Reasonable accommodation - As required in the Americans with Disabilities Act, modifications or adjustments to the work environment - e.g., job restructuring, equipment modifications - that enable a qualified individual with a disability to perform the essential functions of a job.

Recurrent disability - A disability which is related to or due to the same cause(s) of a prior disability for which a monthly benefit was payable. Typically, the disability must recur within 6 months after returning to work for the insured to be eligible for a resumption of benefits.

Reinsurance - The acceptance by one insurance company of a portion of a risk underwritten by another company. In a type of reinsurance called facultative, the reinsurer retains the right to reject any specific risk presented by the reinsured.

Reimbursement agreement for SSDI - In employer sponsored programs, a written promise by a claimant to reimburse the insurer for any overpayment of disability benefits that may be due to the awarding of SSDI.

Residual - In LTD plans, a provision allowing an employee who has been totally disabled to resume work on a trial basis, while continuing to satisfy the elimination period.

Residual, zero-day - In LTD plans, a provision allowing an employee who has been partially disabled to work on a trial basis immediately, while continuing to satisfy the elimination period.

Return-to-work program - An organized effort by an employer to assist recovering employees in assuming constructive job duties. Programs may include temporary limited hours, modified job duties, or transitional jobs as well as permanent accommodations including modified or alternate jobs.

Rhode Island Temporary Insurance (TDI) Law - Mandates a non-occupational, short-term disability plan funded through a tax-supported state fund; in effect since 1942. Employers may not substitute a private plan.