Description: The purposes of this paper were to help determine the level of adequacy of the 1964 Commissioners Disability Table as a basis for reserving disabled lives, and to provide individual insurers with information that might aid them in their deliberations concerning reserve adequacy and reserve table modifications. From Transactions of Society of Actuaries 1980, Vol. 32.

Description: This is the final report of the Committee to Recommend New Disability Tables for Valuation. The report proposes valuation standards to the National Association of Insurance Commissioners NAIC for group long-term disability income insurance products GLTD. From Transactions of Society of Actuaries 1987, Vol. 39.

Description: The main focus of this report is the presentation of information and methodologies to support the analysis of the financial impact of AIDS on individual companies writing life insurance in the U.S. Topics include reserving and development of valuation tables used for both statutory and GAAP accounting. This report should be viewed as a supplement to the Individual Life Report. Many of the issues and conclusions in the Individual Life Report are equally applicable to individual disability insurance and are therefore not discussed herein. From Transactions of Society of Actuaries 1990, Vol. 42.

Description: This paper presents a disability continuance table based on industry individual policy experience to render it suitable as a standard for expected claims and for adjusted earnings purposes. Also includes discussion of the paper by John B. Cummings, Timothy A. Hinchliff, John H.Miller, R.Terry Nelson, John S.Thompson Jr., Eduard H.Minor

Description: An update to the 1990-99 study, data was collected covering the experience period from 01/01/00 – 12/31/07. The data was gathered throughout 2009 from 16 companies. After reviewing the data provided by the participating companies, the committee decided that it would be appropriate to produce a new experience report that would cover the entire 18 years of experience data that had been gathered over the last decade.

Description: 1984 Study covering experience of individual disability loss-of-time policies for 1982-1983. The study separates the first year of the benefit period, and combined second and third year experience of the benefit period. From Transactions of Society of Actuaries 1984 Reports

Description: 1967 Report presenting two-part analysis of morbidity experience under individual loss-of-time policies. The first part of this report covers experience in the first year of the benefit period, and the second part covers experience in the second of the benefit.

Description: This is a discussion of the paper, Group Weekly Indemnity Continuation Table Study by Morton D. Miller. From Transactions of Society of Actuaries 1951, Vol. 3, No. 7.

Description: This 1969 Report presents a two-part analysis of morbidity experience under individual loss-of-time policies during the calendar years 1966 and 1967. The first part covers experience in the first year of the benefit period and the second part covers the second year of the benefit period.

Description: Report of the Task Force to Recommend Morbidity Standards for Valuation of Credit Disability. The key recommendation was that a new morbidity standard for valuation of policy reserves be adopted based on the tables developed by the Task Force. The tables are developed from the 85CIDA tables with incidence rates increased by 12%.