Description: The viability and future outlook for the individual disability industry has dramatically improved from where it was 10 years ago. Evidence of this turn–around can be found in the industry's current profitability and its development of new markets. This article discusses where the market stands today.

Description: This article is a discussion of a study released in June 1976 by the New York Insurance Department, entitled “Disability Income Insurance – Cost Differentials between Men and Women.” The author of this article notes that “due to charges by various groups of discrimination in the underwriting and establishing of premium rates for individual disability income insurance, the results of this study have been eagerly awaited by many segments of the insurance industry. Fears of substantiating uni-sex rates were unfounded as the results of the study generally conformed to those of the Society of Actuaries which the industry has relied on to a great extent in the past.”

Description: Examines the trends affecting the distribution system for the industry's products, and the regulatory and tax environment in which life companies operate. Also looks briefly at the state of competition in the industry.

Description: discussion of a new product idea for retirement planning which integrates a variety of needs estate death benefit, annuity income, disability income, etc. into one product

Description: An article that talks about the individual disability income IDI Market and how it is reaching out to Physicians. Issue No. 59

Description: This article discusses many of the complexities of the new IDI valuation table and how they might impact the implementation process.

Description: Panelists discuss trends for the group short-term disability STD industry, as well as issues of timely relevance to group STD actuaries. From the Record of the Society of Actuaries, Vol. 24, No. 2.

Description: Panel explores new disability products offered by writers of individual disability insurance and the ways in which these products connect with other types of insurance. From the Record of the Society of Actuaries, Vol. 25, No. 2.

Description: A Discussion of why female mortality is higher than male mortality at higher ages.

Description: This session is about regulatory constraints and the role the NAIC is playing to help facilitate 24-hour programs, plan design issues, the use of managed care, coverage as part of a workers' compensation plan versus coverage of health care outside of the workers' compensation system. From Record of Society of Actuaries Vol. 18, No. 4A.