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Date Filed Residual disability benefits. Disability insurance policy benefits paid when the disabled individual returns to work and is able to earn only a portion of the former benefits. The benefits paid will bring the individual's total income up to the former benefit level. Regulation Z: A regulation that implements the Truth in Lending Act, and requires the lenders to give written disclosure about the terms and conditions, interest rate, and other charges applicable to a loan, to the prospective borrowers. 
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Cash value (Cash surrender value). The amount available in cash to be borrowed against or obtained in cash if a life insurance policy is canceled. Subrogation Waiver of premium clause. A policy provision that continues the policy without premium payment while the subscriber is ill or disabled. 
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Total Annual Loan Cost - The projected annual average cost of a reverse mortgage including all itemized costs. Claim Examiner Mortgage Companies: Companies that finance mortgage with their own funds. Mortgage companies generally borrow from a bank to provide funds to the consumers, to buy home or real estate property, and then sell the loans to investors. Know more about mortgage financing and mortgage refinance. 
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Coordination of Benefits (COB). The specific term used to describe how benefits will be paid when a consumer has more than one health insurance policy. The two policies combined cannot pay more than 100 percent of total allowable expenses. Chapter of the Bankruptcy Code in which debtors repay debts according to a plan accepted by the debtor, the creditors and the court. Plan payments usually come from the debtor’s future income and are paid to creditors through the court system and the bankruptcy trustee. Consumer Debt: Consumer debt or credit that is mainly incurred to fund consumption and not investment. So, consumer debt is one that is primarily used for purchasing consumer goods, that are not considered as tangible investment. Examples include credit card debt, car loans, family loans and store-financed consumer purchases. An individual usually incurs consumer debt for personal or household purposes. 
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