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