Accidental Death and Dismemberment
Accidental death and dismemberment insurance is a form of accident insurance than covers the insured against death or injury due to accident. Dismemberment can be defined as loss of two limbs and total loss of eyesight. However, these accidents should not be caused by natural disasters. The premium for this insurance is lesser than that of the life insurance because the probability of death due to accident is lower than that death due to natural causes.

Accidental Death and Dismemberment Insurance
Accidental Death and Dismemberment Insurance is a kind of health insurance that covers the risk against both loss of life as well as loss of any part of the body due to an accident.

Accrual
Accrual refers to the accumulation of income or leave time in return for the extra hours put in by an employee.

Adoption Benefits
Adoption benefits are related to the adoption of child by an employee. The benefits may come in form of cash payments or reimbursements for the expenses incurred in the adoption process, parental or family leave, and so on. These benefits may be fully or partially tax exempt based on the nature and amount of these benefits.

ADP
ADP is a $7-billion company providing a wide range of HR services, including payroll, benefits, human resources and business-process management.

Administrative Services Only (ASO)
The hiring of a firm (usually a health care vendor) to handle certain administrative tasks. The firm does not assume any risk but merely carries out the specialized functions that the employer cannot or does not want to do. For example, an employer funds its own dental insurance claim payments but pays the ASO firm to process the claims.

Advance Earned Income Credit
Advance Earned Income Credit is a provision by the IRS, which allows an eligible taxpayer to gain his due credit in parts with his paycheck. It can be availed of by taxpayers who have at least one qualifying child or who do not have a child due to unavoidable circumstances. This credit can be claimed on the beneficiary's tax return. 

After-Tax Deduction
Any deduction made to an employee's pay after withholding the tax amount is called an after-tax deduction. This does not help in reducing the taxable income. Some common After-Tax Deductions are life insurance, disability insurance and charity donations 

Affidavit
A written declaration of facts made voluntarily under oath. This is made without notice to an opposing party and without the opportunity for cross-examination.

Alternative Dispute Resolution
Alternative dispute resolution is an informal technique of conflict resolution where attempts are made to solve the conflict out of court. It includes techniques like negotiation, conciliation, mediation and arbitration.

Annuities
Annuity is an investment made either on a one time basis or through the installments over a period of time. Specific returns are earned on a regular basis - annually or half yearly or on monthly basis for life time or for a particular period.

APPOINTMENT
The act of placing a person in a position or office.

Arbitration
Arbitration is a kind of alternative dispute resolution wherein the parties to conflict submit their case/conflict to a neutral third party called an "arbitrator." The arbitrator gives his judgment, which is binding upon both the parties.

Assignment of Benefits
Assignment of benefits is the facility that a patient has to directly transfer his/her health benefit payments to the hospital or doctor.

Agent (Insurance)
An employee who sells the products owned by the company, in contrast to a broker, who sells the insurance products of several companies.