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Explanation of Terms

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There are currently 4 terms in this directory beginning with the letter O.
Optional Life Insurance
This coverage is in addition to basic group insurance. Both the plan member and his/her spouse can apply for this coverage. The plan member pays the premium, and evidence of insurability is required. Learn more about MDM’s Optional Life Insurance Policies.

Other Health Practitioner
Provider of a health service such as a massage therapist or physiotherapist.

Over-the-Counter Drugs
Drugs legally available without a prescription.

Own Occupation Definition of Disability
Term applicable to the definition of disability for disability benefits. Under this definition, a plan member is considered totally disabled if unable to perform the usual and customary duties of his/her own occupation for a specific period of time, usually two years. After two years, the definition of disability changes to any occupation.

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