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Disability Experience Studies

The SOA offers studies and table reports on individual, group and credit disability insurance for use by actuaries. Studies often contain many files for download, including multiple ZIP files, PDFs and Excel files. Table reports are often accompanied by Excel workbooks with complimentary materials.

Credit Disability

2015

2012

2005

 

Group Disability

2019

  • 2019 Group Long-Term Disability Experience Study Preliminary Report
    October
    The Group Disability Insurance Experience Committee of the SOA has completed their study of termination experience for the period 2009-2017. Included are a preliminary report, consolidated database (CDB), pivot tables and appendices.
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  • Group LTD Credibility Study Results from Stage 2
    September
    Report to give actuaries practical information and guidance on LTD claim credibility for case level pricing and underwriting. In Stage 2 of the GLTD Credibility Study, the analysis was expanded using the industry data gathered during Stage 1.
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  • 2019 Group Life Waiver of Premium Experience Study
    April
    This study analyzes the recovery and mortality experience for group life waiver claims during the period 2000 – 2015. This study updates the 2005 Group Life Waiver Experience Study which analyzed waivers for the period 1993 – 2002.

2018

2017

2016

2011

2009

2000

 

Individual Disability

2020

  • 2007-2015 US Individual Disability Income Persistency Study
    February
    The Society of Actuaries and LIMRA have sponsored a U.S. Individual Disability Income Persistency Study for the period 2007-2015 . This report examines lapse experience on individual disability income insurance products by various policyholder and product factors. The study can be used for industry benchmarking as well as for background information for product development and planning purposes.

2019

2013

2011

2004