Description: This paper deals with credibility as applied to group insurance, where the problem is to estimate the future claim rate of a group as a function of both its own past claim rate and the average claim rate observed for similar groups.

Description: Analysis of diagnosis and pharmacy-based methods of health risk assessment. Issue No. 44.

Description: This presentation was made at the SOA 1975 New York Spring meeting. It discusses the actuarial techniques required to combat the impact of inflation on Group Life and Health, including communication of premium increases to clients and impact of new national or local health plans. 1975 Record, Vol. 1, No. 2

Description: In this paper, the authors created a mathematical model which reflects typical relativities by age, duration of disablement, and deferment period for disability risk. The paper is followed by discussions submitted by various reviewers.

Description: Updates on the efforts of the Academy’s health practice council. its work groups and task forces, to educate health care policymakers on issues including health care reform, Medicare, loss ratios, premium review, reinsurance, benefit and eligibility changes, exchanges, and risk based capital.

Description: This discussion on overinsurance focuses on speculative buying of life, AD&D, and disability insurance, the effect of expanded disability provisions in the Social Security Act on underwriting disability benefits, and the avoidance of overinsurance in medical benefits.

Description: Digests of following discussions: 1. Mutual life insurance companies - their objectives and operating philosophy 2. State, provincial, and municipal employee pension plans - financing and other problems 3. Mortality and underwriting of individual policies for large amounts 4. Investing during the 1970's 5. Long-range viability and regulation of corporate pension plans 6. Forecasting the environment for business 7. Liabilities and surplus in the 1970's 8. Changing modes of family life - work and income over the life cycle 9. The role of the actuary in collective bargaining 10. Health insurance in the United States 11. Adjusted earnings

Description: Research project that assesses the accuracy of commonly used IBNR estimation methods for medical insurance over a wide range of scenarios. The methods are summarized, practical considerations in making the comparisons and the development of the data simulations for the comparisons are discussed.

Description: Applying Diagnosis-Based Predictive Models that use medical and pharmacy claims to measure expected costs for Group Underwriting. Issue No. 46.

Description: Four papers were presented: [1] Gross Premium Valuations of Individual Health Business, [2] Policy Reserves on Adjustable Premium Policies, [3] Health Reinsurance: The Actuary's Dilemma, and [4] Specific and Aggregate Stop-Loss Reserves. Session 7 of the 1991 Valuation Actuary Symposium.