Waiver of premium - Exemption of an employee from responsibility for LTD premium payments during any period in which a disability benefit is payable.

Wellness program - Any of a range of employer-sponsored activities designed to increase employees' overall quality of life, prevent accidents and ill health, and reduce the associated costs. May include programs for fitness, smoking cessation, nutrition and weight management, stress management, blood pressure screening, health risk appraisals, etc.

Work Incentive Improvement Act of 1999 - Federal law that provides for continuation of Medicare benefits when SSDI recipients return to work. Also provides for state demonstration projects for Medicaid continuation/buy-in arrangements for disabled employees and rehabilitation vouchers.

Workers' compensation - A system of providing for the cost of medical care and weekly payment to employees injured on the job or to dependents of those killed in industry in which no-fault liability is imposed on the employers. In return, employees are generally prohibited from using employers, even if the disabling event was due to employer negligence. US government employees, harbor works, and railroad workers are not covered by state workers' compensation laws, but instead by other federally administered laws.