A Guide To Benefit Acronyms

Below is a listing of the various benefit acronyms used throughout your Benefits Handbook.

This Acronym...

Stands For...

ADB

Accelerated Death Benefit

AD&D

Accidental Death and Dismemberment

BTA

Business Travel Accident

COBRA 

Consolidated Omnibus Budget Reconciliation Act

DCRA

Dependent Care Reimbursement Account

EOI

Evidence of Insurability

ERISA

Employee Retirement Income Security Act

FMLA

Family and Medical Leave Act

FSA

Flexible Spending Account (also referred to as Reimbursement Accounts)

HCRA

Health Care Reimbursement Account

HDS

Hawaii Dental Service

HIPAA

Health Insurance Portability and Accountability Act

HMO

Health Maintenance Organization

HMSA

Hawaii Medical Service Association

IDC

Individual Deferred Compensation

IRA

Individual Retirement Account

IRS

Internal Revenue Service

LOA

Leave of Absence

LTD 

Long-Term Disability

OA+

Open Access Plus Network (CIGNA)

PCP

Primary Care Physician

PPO

Preferred Provider Organization

PSR

Profit Sharing Retirement

QDRO

Qualified Domestic Relations Order

QMCSO

Qualified Medical Child Support Order

R&C

Reasonable and Customary

SDI

State Disability Insurance

SPD

Summary Plan Description

UCR

Usual, Customary and Reasonable

UR 

Utilization Review

VSP

Vision Service Plan

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