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2015-2022 Group Long-Term Disability Incidence Study

Experience Studies PRO, SOA Search Institute and LIMRA

Table of Contents

Summary
Public Materials
Standard Data Package
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Access the Standard Data Package
Acknowledgments

Summary

LIMRA and the Society of Actuaries (SOA) Research Institute have completed the most up-to-date study of group long-term disability claim incidence. Nineteen individual companies contributed data to the current study, encompassing 97% of the industry. The current study of 2015-2022 calendar years contains about 294 million life-years exposed and about 1.2 million claims over the study period. The results include analysis of claim incidence and can be used by actuaries in the management of their own group long-term disability business.

Public Materials

A report with high-level insights is available in the link below.

Group Long-Term Disability Incidence Report

Standard Data Package

The Standard Data Package consists of:

  • executive summary
  • in-depth analysis report
  • interactive data visualization dashboards
  • ability to download an aggregated database of study results

Secure the 2025 Subscription to Experience Studies Pro

This study is included with a 2025 subscription to Experience Studies Pro. The studies included in the 2025 subscription are:

  • 2023-2024 Fixed Indexed Annuity Policyholder Behavior Study
  • 2023-2024 Fixed Rate Deferred Policyholder Behavior Study
  • 2022-2024 Variable Annuity Policyholder Behavior Study
  • 2015-2022 Group Long-Term Disability Incidence Study
  • 2009-2023 Term Conversion Incidence and Post-Conversion Mortality and Lapse Study

Please contact StudyPro@soa.org for pricing and information on how to access a 2025 subscription to Experience Studies Pro.

Access the Standard Data Package

If you purchased the standard data package, you can access it here.

Acknowledgments

LIMRA and the SOA Research Institute would like to thank the following companies for participating in the study by supplying data.

  • Aflac
  • American Fidelity
  • Dearborn Group
  • Equitable Financial
  • Fullscope RMS (Voya/ING)
  • Guardian Life of America
  • Hartford Life/Aetna
  • Lincoln Financial Group
  • MetLife
  • Mutual of Omaha Companies
  • New York Life (Cigna)
  • OneAmerica (AUL)
  • Principal Financial Group
  • Prudential of America
  • Reliance Standard
  • Standard
  • Sun Life Financial
  • Symetra Financial
  • Unum

LIMRA and the SOA Research Institute would also like to thank the SOA Group Disability Experience Committee for their diligent work developing the data request, overseeing the analysis and reviewing the report and dashboards for accuracy and relevance.

  • Kathy Davis, FSA, MAAA (Chair)
  • Arber Dhamo, ASA, MAAA (Vice-Chair)
  • Kelly Ayer, FSA, MAAA
  • Jay Barriss, FSA, MAAA
  • Maxwell Berube, FSA, MAAA
  • Leo Carrier, ASA
  • Thomas Corcoran, FSA, MAAA, CERA
  • Adam Eggert, ASA, MAAA
  • Daniel Fix, FSA, MAAA
  • Frederick Flores, FSA, MAAA
  • Eric Gale, FSA
  • Luce Giroux, FSA, MAAA, FCIA
  • Dennis Goebel, ASA, MAAA
  • Jiayu Guo, FSA, MAAA
  • Thomas Hinrichs, FSA, MAAA
  • Patrick Keough, FSA, MAAA
  • Tasha Khan, FSA, MAAA
  • Teong Khor, FSA, MAAA
  • Richard Leavitt
  • Eric Poirier, FSA
  • Rachel Smith, ASA
  • Patrick Wallner, FSA, MAAA