Glossary: E

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EAP See “Employee Assistance Program.”
Earnings definition This is the base pay for calculating disability benefits. The benefits could be short- or long-term. The pay does not include bonuses, overtime or other extra pay. Some types of pay, like commissions, may be offered. It depends on the policy.
Effective date This is the date your health plan becomes active. Your coverage starts on this day.
Eligibility This includes terms that decide who can get coverage. The requirements vary. They could include health conditions, how long a person is employed, job status and more.
Elimination period This is the amount of time a person must be disabled before he or she can get long-term disability benefits. The policy states how long the time is. No benefit is payable for or during this period.
Emergency This is a serious illness or injury. It comes on suddenly. It is something that needs immediate medical care. If a person does not get care quickly, death or serious health problems may occur.
Emergency facility This is a place that offers short-term care on the spot. People usually go to one when they have a sudden illness or injury. Two examples are hospitals and clinics.
Employee Assistance Program (EAP) This can help people balance work and life issues. It gives support and counseling to help people deal with stress, family issues and more. The program is for employees, their dependents and household members. Employers buy it. Workers do not pay to use an EAP.
Employee Retirement Income Security Act of 1974 (ERISA) This is a law. It controls employer-based health plans. It also sets rules for pensions and other benefits plans.
Endodontist This is a dental specialist. He or she treats diseases of the tooth's nerves or pulp. Nerves and pulp are in the tooth’s center and canals. You often hear the canals called root canals. That is because they are in the tooth’s root.
Enrollee See “Member.”
Enrollment period (Medicare) This is when people can sign up for a Medicare health plan. At this time, the plan accepts people new to Medicare. The plan must also allow all eligible people with a different Medicare plan to join.
EOB See “Explanation of Benefits.”
EOI See “Evidence of Insurability.”
Ergonomic evaluation This looks at a person’s physical work space. The goal is to make sure it is safe and comfortable. It’s important that the equipment a worker uses gives proper support. Doing this helps lower the risk of work-related injuries.
Ergonomics This is an applied science. It calls for creating a physical work setting that fits and supports the worker. The idea is to help the worker be physically safe and comfortable. This is important to the worker’s health while he or she does daily tasks. It could mean having the right chair, keyboard, desk or a headset if the worker has to be on the telephone a lot.
ERISA See “Employee Retirement Income Security Act of 1974.”
Evidence of Insurability (EOI, also known as “Medical underwriting”) A group or individual might have to go through this process when applying for health or life insurance. It may also be needed when someone wants more coverage or is enrolling late. It helps the insurer decide whether to cover the person or group. The process might include:
  • An EOI statement -- questions about health conditions answered by an applicant
  • Medical exam
  • Tests, such as on the heart
  • Report from the applicant's doctor
  • Other information, if needed.

See “Late enrollee.”

Exclusions These are conditions or services that the health plan does not cover.
Experimental services or procedures These are often newer drugs, treatments or tests. They are not yet accepted by doctors or by insurance plans as standard treatment. They may not be proven as effective or safe for most people.
Explanation of Benefits (EOB) This is a statement a health plan sends to a health plan member. It shows charges, payments and any balances owed. It may be sent by mail or e-mail.

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