Occupation - Any meaningful work for which an employee is reasonably qualified in terms of training, education, and experience.

Occupational injury - An injury that occurs in the course of work or a health impairment caused by conditions in the work environment.

Occupational Safety and Health Act (OSHA) - A federal law that sets national standards for health and safety conditions in the work place. The act also provides for compiling and reporting of statistics on occupational illnesses and injuries.

Old Age, Survivors, Disability, and Health Insurance (OASDHI) - Benefits provided under the US Social Security program.

Omnibus Budget Reconciliation Act (OBRA) of 1993- Federal legislation that limits the amount of compensation that can be paid to employees covered by LTD plans funded through VEBA (voluntary employees' beneficiary association) trusts. Any such plan with participants earning more than $150,000 could lose its tax-exempt status.

Other income sources - Income and benefits other than the employer-provided benefit received by an employee who has been disabled, or by his or her family; e.g., payments from Social Security, workers' compensation, mandated state disability plans.

Own occupation - In LTD and STD plans, the job functions that an employee regularly performed before incurring a disability.

Own occupation period - The period during which employees will continue to receive LTD or STD benefits as long as they cannot perform their regular job; usually six months. See also any-occupation period.