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Today's Terms
Licensed Clinical Social Worker (LCSW)
Definition:
Certification by a state as a licensed clinical social worker. Such licensure often requires at least two years experience with a direct client caseload under supervision.
Conversion Privilege
Definition:
If included, this option allows employees who are terminating employment to continue some or all of their LTD coverage at their own expense without submitting evidence of insurability.
Substantial Gainful Activity (SGA)
Definition:
The level of work activity used to establish disability. A finding of disability requires that a person be unable to engage in SGA.
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