Glossary: T

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Tartar See “Calculus.”
Temporary partial disability This is an employee benefit. It offers limited pay to employees who are back to work, but cannot perform their regular job. A worker can receive this only if he or she was injured on the job.
Temporary total disability This is an employee benefit. It offers limited pay to employees who cannot work at all. A worker can receive this only if he or she was injured on the job.
Temporomandibular joint (TMJ) This is a joint that connects the jaw to the skull. There are two of them. One sits in front of each ear.
Temporomandibular joint disorder (TMD) This includes pain and other symptoms affecting the head, jaw and face. It is caused when the jaw joints and muscles controlling them don't work together correctly.
Term insurance This is a type of life insurance. It is in effect only during the period, or term, for which premiums are paid. It does not build up cash value.
Tertiary care This is specialized medical care. It involves complex procedures. People usually need this care for a long time. Specialists in state-of-the-art medical centers give the care.
TMD See “Temporomandibular joint disorders.
TMJ See “Temporomandibular joint.
Total disability (any occupation) This means a person cannot perform any occupation. This happens because of illness or injury. It is determined by things such as work experience, job history or the job market.
Total disability (own occupation) This means you are unable to perform your own occupation for any employer. It may occur because of illness or injury.
Traditional plan See “ Indemnity plan.”
Transferable skills analysis This test helps people find a new job when they can no longer perform their current job. This may happen because of illness or injury. The employer looks at skills the worker has. Skills from past jobs, education or other activities are reviewed. Then, these skills are matched with a position the worker is likely to be able to handle.

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