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EAP (Employee Assistance Program)

Confidential counseling and referrals provided by the employer for personal or work issues.

EDI (Electronic Data Interchange)

The standard format for transferring benefit enrollment data between employers and carriers.

EEOC

The Equal Employment Opportunity Commission which enforces federal laws against workplace discrimination.

Effective Date

The exact date an employee’s insurance coverage or benefit plan begins.

Elective Deferral

The portion of pay an employee chooses to contribute to a retirement plan pre-tax.

Eligibility Rule

The criteria (like hours worked) an employee must meet to join a benefit plan.

Elimination Period

The waiting period between the start of a disability and when benefit payments begin.

Emergency Room Care

Services for a medical condition that requires immediate attention to prevent serious jeopardy.

Employee Self-Service (ESS)

A portal where employees can manage their own personal data and benefits.

Employer Contribution

The portion of a benefit premium or retirement match paid for by the company.

Employer-Sponsored Clinic

A health clinic located on or near a company's worksite for employee use.

Enrollment Window

The specific timeframe during which an employee can sign up for benefits.

EPO (Exclusive Provider Organization)

A managed care plan where services are covered only if you use doctors in the...

ERISA

Federal law that sets minimum standards for voluntarily established pension and health plans.

Evidence of Insurability (EOI)

A health questionnaire required by insurers for high-value life insurance.

Exclusion (Pharmacy)

A specific drug or class of drugs that is not covered by the health plan.

Exempt Employee

An employee not entitled to overtime pay under the Fair Labor Standards Act.

Expense Ratio

The annual fee charged by an investment fund to cover its operating expenses.

Explanation of Benefits (EOB)

A statement from your insurer explaining what medical treatments were paid for and what you...

Extended Care

Medical and social services for those with chronic illnesses or disabilities over a long period.