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  • 00:06

    Hi, my name is Zack Evans. I'm a Veterans Disability Benefits
    Hi, my name is Zack Evans. I'm a Veterans Disability Benefits

  • 00:10

    attorney with Woods and Woods Attorneys in Evansville,
    attorney with Woods and Woods Attorneys in Evansville,

  • 00:13

    Indiana and today, we're going to be talking about C&P
    Indiana and today, we're going to be talking about C&P

  • 00:16

    examinations. I'm going to talk a little bit about what a
    examinations. I'm going to talk a little bit about what a

  • 00:19

    compensation and pension examination is, what to expect,
    compensation and pension examination is, what to expect,

  • 00:24

    how to prepare for it, and just generally how they're laid out.
    how to prepare for it, and just generally how they're laid out.

  • 00:28

    So, first of all, a C&P examination. It's a
    So, first of all, a C&P examination. It's a

  • 00:32

    compensation and pension examination is set up by the VA
    compensation and pension examination is set up by the VA

  • 00:37

    Regional Office by the Veterans Benefits Administration. It's to
    Regional Office by the Veterans Benefits Administration. It's to

  • 00:42

    assess your level of disability or it is to assess whether a
    assess your level of disability or it is to assess whether a

  • 00:47

    disability that you suffer from is related to your time in
    disability that you suffer from is related to your time in

  • 00:51

    service.
    service.

  • 00:56

    So a C&P examination will typically be performed by a
    So a C&P examination will typically be performed by a

  • 01:00

    medical professional. It's not always a doctor but a lot of
    medical professional. It's not always a doctor but a lot of

  • 01:04

    times they are performed by doctors. We also see
    times they are performed by doctors. We also see

  • 01:08

    psychiatric nurses, clinical psychologists, nursing
    psychiatric nurses, clinical psychologists, nursing

  • 01:12

    practitioners, people with credentials to administer some
    practitioners, people with credentials to administer some

  • 01:17

    sort of medical examination or make an analysis. So the
    sort of medical examination or make an analysis. So the

  • 01:23

    difference between a C&P examiner and a private doctor
    difference between a C&P examiner and a private doctor

  • 01:26

    sometimes is nothing. Sometimes we'll have private doctors that
    sometimes is nothing. Sometimes we'll have private doctors that

  • 01:32

    will contract with the VA in order to do some compensation
    will contract with the VA in order to do some compensation

  • 01:36

    and pension exams because as you can imagine there's a huge
    and pension exams because as you can imagine there's a huge

  • 01:39

    backlog of claims. There's a huge backlog of of exams that
    backlog of claims. There's a huge backlog of of exams that

  • 01:43

    need to be completed. So sometimes you'll go to a VA
    need to be completed. So sometimes you'll go to a VA

  • 01:48

    medical center and you'll receive a compensation and
    medical center and you'll receive a compensation and

  • 01:51

    pension exam from a VA doctor in a VA facility. Sometimes
    pension exam from a VA doctor in a VA facility. Sometimes

  • 01:57

    your C&P exam will be performed by someone who is affiliated
    your C&P exam will be performed by someone who is affiliated

  • 02:02

    with the VA or has an agreement with the VA, but doesn't
    with the VA or has an agreement with the VA, but doesn't

  • 02:05

    necessarily work for the VA directly and the goal is to try
    necessarily work for the VA directly and the goal is to try

  • 02:10

    to get this huge volume of exploratory examinations and
    to get this huge volume of exploratory examinations and

  • 02:14

    and assessments completed so that the regional office can
    and assessments completed so that the regional office can

  • 02:19

    issue you a decision on either service connection or about the
    issue you a decision on either service connection or about the

  • 02:23

    severity of your disability.
    severity of your disability.

  • 02:30

    Typically at a C&P exam, you'll show up to the location of the
    Typically at a C&P exam, you'll show up to the location of the

  • 02:36

    exam and you'll have a battery of questions that an examiner
    exam and you'll have a battery of questions that an examiner

  • 02:42

    will ask you about your condition. If it's a
    will ask you about your condition. If it's a

  • 02:45

    psychiatric examination, they'll ask you a little bit
    psychiatric examination, they'll ask you a little bit

  • 02:48

    about your personal history. They'll ask you about your
    about your personal history. They'll ask you about your

  • 02:52

    current symptoms. They'll ask you about some of the
    current symptoms. They'll ask you about some of the

  • 02:55

    challenges you face in your daily life, how either your
    challenges you face in your daily life, how either your

  • 03:00

    PTSD, your major depressive disorder, your anxiety
    PTSD, your major depressive disorder, your anxiety

  • 03:03

    disorder, how those things impact you on a daily basis and
    disorder, how those things impact you on a daily basis and

  • 03:07

    some of these exams are more thorough than others but
    some of these exams are more thorough than others but

  • 03:12

    typically, what I see in my practice is the issues that
    typically, what I see in my practice is the issues that

  • 03:16

    arise with the thoroughness of exams tend to come up more
    arise with the thoroughness of exams tend to come up more

  • 03:22

    often in mental health exams because it's really tough to
    often in mental health exams because it's really tough to

  • 03:26

    cover the full breadth of someone's mental health disability
    cover the full breadth of someone's mental health disability

  • 03:30

    in the course of a relatively short examination period.
    in the course of a relatively short examination period.

  • 03:41

    This depends on what you're going in to have assessed. What's
    This depends on what you're going in to have assessed. What's

  • 03:46

    being evaluated. So obviously if it's a psychological
    being evaluated. So obviously if it's a psychological

  • 03:49

    assessment that's not likely to happen unless maybe you have
    assessment that's not likely to happen unless maybe you have

  • 03:54

    other examinations pending that day because you might go see an
    other examinations pending that day because you might go see an

  • 03:58

    orthopedist in the morning and then a couple of hours later
    orthopedist in the morning and then a couple of hours later

  • 04:01

    you might talk to a clinical psychologist and some of those
    you might talk to a clinical psychologist and some of those

  • 04:07

    assessments can dovetail together really nicely. So,
    assessments can dovetail together really nicely. So,

  • 04:10

    let's say you have a back condition that you sustained in
    let's say you have a back condition that you sustained in

  • 04:14

    service as a result of a lumbar spine injury and that is really
    service as a result of a lumbar spine injury and that is really

  • 04:19

    impacting your activities daily living, really impacting your
    impacting your activities daily living, really impacting your

  • 04:24

    your mood and your state of mind. Some of those things will
    your mood and your state of mind. Some of those things will

  • 04:29

    overlap. For the orthopedic conditions themselves, there's
    overlap. For the orthopedic conditions themselves, there's

  • 04:33

    absolutely a physical component. One of the things
    absolutely a physical component. One of the things

  • 04:36

    that needs to be tested on orthopedic examinations is your
    that needs to be tested on orthopedic examinations is your

  • 04:40

    range of motion and your range of motion is going to be
    range of motion and your range of motion is going to be

  • 04:44

    impacted by things like flare ups, what your current level of
    impacted by things like flare ups, what your current level of

  • 04:50

    baseline severity is, what happens to you during a
    baseline severity is, what happens to you during a

  • 04:54

    flare-up event, what happens to you during periods of prolonged
    flare-up event, what happens to you during periods of prolonged

  • 04:59

    usage such as during a typical work day especially if you work
    usage such as during a typical work day especially if you work

  • 05:02

    on your feet. So some of these examinations will have a
    on your feet. So some of these examinations will have a

  • 05:07

    physical component where they're testing a certain body
    physical component where they're testing a certain body

  • 05:10

    part and how it moves whether it moves freely whether you get
    part and how it moves whether it moves freely whether you get

  • 05:13

    some locking or some crepitus in the knee something like that.
    some locking or some crepitus in the knee something like that.

  • 05:22

    Because of these varying types of C&P examinations, the length
    Because of these varying types of C&P examinations, the length

  • 05:29

    and the breadth of what's discussed can vary pretty
    and the breadth of what's discussed can vary pretty

  • 05:32

    significantly. Some of these examinations unfortunately
    significantly. Some of these examinations unfortunately

  • 05:36

    we've heard only last 5-10 minutes and the evidence has
    we've heard only last 5-10 minutes and the evidence has

  • 05:41

    unfortunately born that out when we review the file. We'll
    unfortunately born that out when we review the file. We'll

  • 05:45

    get a questionnaire typically in a standard form called a a
    get a questionnaire typically in a standard form called a a

  • 05:49

    DBQ or disability benefits questionnaire where a psychologist will
    DBQ or disability benefits questionnaire where a psychologist will

  • 05:54

    run through pretty quickly some boxes that ask a certain number
    run through pretty quickly some boxes that ask a certain number

  • 05:59

    of questions and they'll you know, like I covered earlier,
    of questions and they'll you know, like I covered earlier,

  • 06:03

    they'll ask you about your employment history, they'll ask
    they'll ask you about your employment history, they'll ask

  • 06:05

    you about your diagnosis and then they'll ask you about the
    you about your diagnosis and then they'll ask you about the

  • 06:09

    current challenges that you face with that condition. In my
    current challenges that you face with that condition. In my

  • 06:13

    opinion, the mental health examinations should be longer.
    opinion, the mental health examinations should be longer.

  • 06:19

    There should be much more time dedicated to farding out
    There should be much more time dedicated to farding out

  • 06:23

    what has occurred to a veteran, how some of these behaviors or
    what has occurred to a veteran, how some of these behaviors or

  • 06:30

    coping skills, coping mechanisms took root in service
    coping skills, coping mechanisms took root in service

  • 06:35

    and then progressed throughout a person's life.
    and then progressed throughout a person's life.

  • 06:43

    What you really need to be doing to prepare for your C&P
    What you really need to be doing to prepare for your C&P

  • 06:47

    exam is getting yourself in an open mental space to be able to
    exam is getting yourself in an open mental space to be able to

  • 06:53

    talk about these things that you're dealing with especially
    talk about these things that you're dealing with especially

  • 06:57

    for mental health exams. It is very easy for survivors of
    for mental health exams. It is very easy for survivors of

  • 07:03

    military trauma to want to shut down in the middle of a psych
    military trauma to want to shut down in the middle of a psych

  • 07:09

    exam, to not want to discuss the full range of things that
    exam, to not want to discuss the full range of things that

  • 07:13

    they've been dealing with. It's understandable. Sometimes
    they've been dealing with. It's understandable. Sometimes

  • 07:16

    that's a coping mechanism that is wrapped up in someone's
    that's a coping mechanism that is wrapped up in someone's

  • 07:20

    diagnosis. You need to be thinking about exactly how your
    diagnosis. You need to be thinking about exactly how your

  • 07:26

    condition impacts you and the things that you want to get out
    condition impacts you and the things that you want to get out

  • 07:31

    there. One of the things that I see pretty commonly in veterans
    there. One of the things that I see pretty commonly in veterans

  • 07:35

    psych files is a diminished or impaired ability to interact
    psych files is a diminished or impaired ability to interact

  • 07:40

    with loved ones, even people that they trust, like their
    with loved ones, even people that they trust, like their

  • 07:43

    family, and that is not something that you want to
    family, and that is not something that you want to

  • 07:47

    leave out of a C&P exam discussion because if
    leave out of a C&P exam discussion because if

  • 07:52

    it's not discussed, if it's not brought up, if you are not
    it's not discussed, if it's not brought up, if you are not

  • 07:55

    being heard in this examination, then, by omission,
    being heard in this examination, then, by omission,

  • 07:59

    the VA will assume that you're functioning at a normal level
    the VA will assume that you're functioning at a normal level

  • 08:03

    in terms of your social and familial interactions, and often
    in terms of your social and familial interactions, and often

  • 08:07

    times, that simply isn't the case. Some of those things are difficult
    times, that simply isn't the case. Some of those things are difficult

  • 08:11

    to recall. They're difficult to bring up in the moment just
    to recall. They're difficult to bring up in the moment just

  • 08:18

    relying on your memory. Sometimes, there's a lot of
    relying on your memory. Sometimes, there's a lot of

  • 08:20

    ground to cover in these examinations. Sometimes, there are
    ground to cover in these examinations. Sometimes, there are

  • 08:25

    quite a few different areas of impairment related to a mental
    quite a few different areas of impairment related to a mental

  • 08:31

    health condition or related to a back injury, and in order to
    health condition or related to a back injury, and in order to

  • 08:35

    make sure that you're covering all the bases and you're
    make sure that you're covering all the bases and you're

  • 08:37

    getting everything on the record that you can in that
    getting everything on the record that you can in that

  • 08:40

    exam, having good notes, and trying to think clearly before
    exam, having good notes, and trying to think clearly before

  • 08:45

    you go in about exactly what you need to get out there can
    you go in about exactly what you need to get out there can

  • 08:51

    be really helpful. I really recommend that veterans keep journals of
    be really helpful. I really recommend that veterans keep journals of

  • 08:57

    their conditions. I really think that if you journal in
    their conditions. I really think that if you journal in

  • 09:01

    the morning and in the evening, it doesn't have to be very
    the morning and in the evening, it doesn't have to be very

  • 09:04

    long. Just something that recounts during the day, some
    long. Just something that recounts during the day, some

  • 09:09

    challenges that you faced as a result of your service
    challenges that you faced as a result of your service

  • 09:13

    connected knee pain as a result of your PTSD but a journal does
    connected knee pain as a result of your PTSD but a journal does

  • 09:19

    a good job of keeping a record for you of exactly how this
    a good job of keeping a record for you of exactly how this

  • 09:24

    impacts you day to day and that's the piece that's
    impacts you day to day and that's the piece that's

  • 09:27

    typically missing from C&P exams. In the couple of weeks
    typically missing from C&P exams. In the couple of weeks

  • 09:32

    leading up to a scheduled compensation and pension exam
    leading up to a scheduled compensation and pension exam

  • 09:35

    if you can sort of do a daily rundown of what your day looks
    if you can sort of do a daily rundown of what your day looks

  • 09:41

    like, challenges that you're facing as a result of your
    like, challenges that you're facing as a result of your

  • 09:44

    service-connected conditions. You are, without them being
    service-connected conditions. You are, without them being

  • 09:49

    there, you're essentially trying to walk the examiner
    there, you're essentially trying to walk the examiner

  • 09:52

    through how this impacts you on a daily basis. So obviously
    through how this impacts you on a daily basis. So obviously

  • 09:57

    a C&P exam can't take two weeks or almost no one would get an
    a C&P exam can't take two weeks or almost no one would get an

  • 10:01

    exam done. But if you take a good written record in of you
    exam done. But if you take a good written record in of you

  • 10:05

    know, I woke up in the morning and as soon as I tried to get
    know, I woke up in the morning and as soon as I tried to get

  • 10:08

    out of you know as soon as I tried to get out of bed my knee
    out of you know as soon as I tried to get out of bed my knee

  • 10:11

    locked up. And I noticed that my service-connected ankle was
    locked up. And I noticed that my service-connected ankle was

  • 10:15

    extremely swollen. I had fluid on my knee. Something
    extremely swollen. I had fluid on my knee. Something

  • 10:20

    like that. And then I went outside to get the mail and I
    like that. And then I went outside to get the mail and I

  • 10:25

    got a few steps and my sciatica started acting up from my old
    got a few steps and my sciatica started acting up from my old

  • 10:29

    back injury that I received whenever I was in the
    back injury that I received whenever I was in the

  • 10:33

    Marines. So these are all little pieces that can help
    Marines. So these are all little pieces that can help

  • 10:38

    paint a really good picture of how these conditions are
    paint a really good picture of how these conditions are

  • 10:42

    impacting you. The goal is to make it real for the person
    impacting you. The goal is to make it real for the person

  • 10:47

    reading it. Because it is easy for an examiner to just see you
    reading it. Because it is easy for an examiner to just see you

  • 10:52

    as a number or as an appointment. And to check down
    as a number or as an appointment. And to check down

  • 10:57

    a few discussion drivers or items of conversation. They'll
    a few discussion drivers or items of conversation. They'll

  • 11:01

    check some boxes on what your functionality is and then
    check some boxes on what your functionality is and then

  • 11:04

    that's it. They're on to the next examination. The plain
    that's it. They're on to the next examination. The plain

  • 11:08

    language that you use, a lay person's language that you use
    language that you use, a lay person's language that you use

  • 11:12

    with an examiner is ok. You don't have to know the ins and
    with an examiner is ok. You don't have to know the ins and

  • 11:17

    outs of clinical psychology. You don't have to know exactly,
    outs of clinical psychology. You don't have to know exactly,

  • 11:22

    you know, the mechanics of orthopedic injuries. No one's
    you know, the mechanics of orthopedic injuries. No one's

  • 11:26

    expecting you to understand or be fluent in those
    expecting you to understand or be fluent in those

  • 11:31

    things. Certainly, some of you probably are because you've
    things. Certainly, some of you probably are because you've

  • 11:34

    been dealing with these things for so long. You've been in and
    been dealing with these things for so long. You've been in and

  • 11:37

    out of doctor's offices. You've had multiple surgeries. Um
    out of doctor's offices. You've had multiple surgeries. Um

  • 11:41

    you've probably seen multiple mental health providers that
    you've probably seen multiple mental health providers that

  • 11:44

    have provided you some insight using these special words,
    have provided you some insight using these special words,

  • 11:48

    these medical terms and if you're comfortable using those
    these medical terms and if you're comfortable using those

  • 11:51

    words, certainly. But don't let that deter you from just saying
    words, certainly. But don't let that deter you from just saying

  • 11:55

    what's on your mind and what's on your heart and what you're
    what's on your mind and what's on your heart and what you're

  • 11:58

    dealing with because this is your chance to get all of this,
    dealing with because this is your chance to get all of this,

  • 12:02

    like I said, on the record, this is your chance to tell
    like I said, on the record, this is your chance to tell

  • 12:05

    your story and if you feel like an examiner is rushing you, do
    your story and if you feel like an examiner is rushing you, do

  • 12:10

    everything you can to respectfully slow them down ask
    everything you can to respectfully slow them down ask

  • 12:16

    them for an opportunity to be heard make sure that they know
    them for an opportunity to be heard make sure that they know

  • 12:20

    that you feel the examination is not complete that the
    that you feel the examination is not complete that the

  • 12:24

    discussion is not over that you have more that you want to talk
    discussion is not over that you have more that you want to talk

  • 12:28

    about. Remember, this examination while it's being administered
    about. Remember, this examination while it's being administered

  • 12:33

    by a medical professional is your examination. If you feel
    by a medical professional is your examination. If you feel

  • 12:37

    like something isn't being explored enough if you feel
    like something isn't being explored enough if you feel

  • 12:41

    like you're being glossed over in the examination, you need to
    like you're being glossed over in the examination, you need to

  • 12:45

    say something. You need to redirect the conversation. You
    say something. You need to redirect the conversation. You

  • 12:48

    need to say, you know, excuse me, sir or ma'am but I feel
    need to say, you know, excuse me, sir or ma'am but I feel

  • 12:53

    like there are a few other things that I would like to
    like there are a few other things that I would like to

  • 12:56

    discuss here that are important that relate to how this
    discuss here that are important that relate to how this

  • 12:59

    condition impacts my life. Take notes when you leave your exam
    condition impacts my life. Take notes when you leave your exam

  • 13:03

    about your feelings, things that were discussed, things
    about your feelings, things that were discussed, things

  • 13:07

    that were not discussed, and keep that. If someone provides
    that were not discussed, and keep that. If someone provides

  • 13:11

    me notes that they felt like an examiner was rushing over bits
    me notes that they felt like an examiner was rushing over bits

  • 13:17

    of evidence. Let's say it's for a knee and they didn't even
    of evidence. Let's say it's for a knee and they didn't even

  • 13:20

    discuss the knee surgery that occurred just 10 months ago, I
    discuss the knee surgery that occurred just 10 months ago, I

  • 13:23

    would like to jump on that. So, you want to make sure you're
    would like to jump on that. So, you want to make sure you're

  • 13:28

    keeping good notes on exactly what was discussed, what was
    keeping good notes on exactly what was discussed, what was

  • 13:32

    not discussed, how many times you were rushed or hurried through
    not discussed, how many times you were rushed or hurried through

  • 13:36

    conversations that's all useful because if they are ignoring
    conversations that's all useful because if they are ignoring

  • 13:41

    your discussion items, if they're ignoring recent operations
    your discussion items, if they're ignoring recent operations

  • 13:46

    that you've had, if they're ignoring some of the directives of your
    that you've had, if they're ignoring some of the directives of your

  • 13:50

    mental health treatment provider and they're not
    mental health treatment provider and they're not

  • 13:53

    encompassing that within the scope of this C&P examination,
    encompassing that within the scope of this C&P examination,

  • 13:57

    there's an argument to be made that we have an inadequate exam
    there's an argument to be made that we have an inadequate exam

  • 14:01

    that cannot form the basis for a VA decision that can stand as
    that cannot form the basis for a VA decision that can stand as

  • 14:05

    as valid. Do something fun when you're done. So, schedule some
    as valid. Do something fun when you're done. So, schedule some

  • 14:11

    time with your family, schedule some time with your friends,
    time with your family, schedule some time with your friends,

  • 14:15

    whether it's fishing with a buddy or taking
    whether it's fishing with a buddy or taking

  • 14:22

    your grandson to a racetrack or you know, if it's running racks
    your grandson to a racetrack or you know, if it's running racks

  • 14:28

    of eight ball at the VFW with your friends, do that. Take the
    of eight ball at the VFW with your friends, do that. Take the

  • 14:34

    time to do something that's enjoyable and can get your mind
    time to do something that's enjoyable and can get your mind

  • 14:37

    out of this cyclical type of thinking that can result from
    out of this cyclical type of thinking that can result from

  • 14:43

    digging up these old bones so to speak because what we
    digging up these old bones so to speak because what we

  • 14:48

    want to make sure is that the C&P examination is as accurate
    want to make sure is that the C&P examination is as accurate

  • 14:53

    and as thorough as possible, but we don't want you to be
    and as thorough as possible, but we don't want you to be

  • 14:57

    impacted long term. These examinations are difficult
    impacted long term. These examinations are difficult

  • 15:01

    enough. We want to make sure that you're trying to make
    enough. We want to make sure that you're trying to make

  • 15:05

    plans to do something that can sort of relieve the stress and
    plans to do something that can sort of relieve the stress and

  • 15:09

    allow you to get back to as much functionality as you can
    allow you to get back to as much functionality as you can

  • 15:13

    because life is about enjoying.
    because life is about enjoying.

  • 15:23

    Go online or give us a call. Again, my name is Zack Evans, a
    Go online or give us a call. Again, my name is Zack Evans, a

  • 15:27

    VA Disability Benefits Attorney with Woods and Woods in
    VA Disability Benefits Attorney with Woods and Woods in

  • 15:30

    Evansville, Indiana and we look forward to hearing from you.
    Evansville, Indiana and we look forward to hearing from you.

All noun
disability
/ˌdisəˈbilədē/

word

physical or mental condition that limits person's movements or activities

How to Prepare for a C&P Exam

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Video Language:

  • English

Caption Language:

  • English (en)

Accent:

  • English (US)

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  • 15:13 / 16:05

Speech Rate:

  • 142 wpm - Conversational

Category:

  • Education

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Intro:

Hi, my name is Zack Evans. I'm a Veterans Disability Benefits
attorney with Woods and Woods Attorneys in Evansville,
Indiana and today, we're going to be talking about C&P
examinations. I'm going to talk a little bit about what a
compensation and pension examination is, what to expect,
how to prepare for it, and just generally how they're laid out.
So, first of all, a C&P examination. It's a. compensation and pension examination is set up by the VA
Regional Office by the Veterans Benefits Administration. It's to
assess your level of disability or it is to assess whether a
disability that you suffer from is related to your time in
service.. So a C&P examination will typically be performed by a
medical professional. It's not always a doctor but a lot of
times they are performed by doctors. We also see. psychiatric nurses, clinical psychologists, nursing
practitioners, people with credentials to administer some
sort of medical examination or make an analysis. So the
difference between a C&P examiner and a private doctor
sometimes is nothing. Sometimes we'll have private doctors that

Video Vocabulary

/ədˈminəstər/

verb

manage.

/bēˈkəz/

conjunction

for reason that.

/pərˈfôrm/

verb

accomplish task etc..

/ˌkämpənˈsāSH(ə)n/

noun

(Money) given or received as payment for loss.

/ˌsīkēˈatrik/

adjective

relating to mental illness or its treatment.

/iˈmajən/

verb

To think creatively about; form mental picture of.

/ˌdisəˈbilədē/

noun

Condition limiting your ability to do something.

/prəˈper/

verb

To make something ready for use.

noun verb

Legal agreement, e.g. for doing work for money. decrease.

/bəˈtwēn/

adverb preposition

in space separating things. In the space that separates two objects.

/ˌiɡˈzamənər/

noun

Someone who gives a test.

/ˈtôkiNG/

adjective noun verb

engaging in speech. action of talking. To say things or ideas to someone with words.

/ˈ(h)weT͟Hər/

conjunction

expressing doubt or choice between alternatives.

/ˈpenSHən/

noun verb

regular payment made during retirement. dismiss from employment and pay pension.