Group Long–Term Disability LTD Benefit Offset Study

Research Projects – Disability

The Society of Actuaries' Health Section is pleased to make available a research report on the offset of benefits for group LTD plans. In particular, the report details data from a number of carriers on the percentage of LTD claimants who are receiving disability benefits from other sources that offset their LTD benefits and how this percentage is affected by various factors. The report was authored by Robert Beal of Milliman, Inc.

A second phase of this effort is underway to explore specific methodologies for valuing the impact of the offsets.


Group Long-Term Disability Benefits Offset Study

Thank You

The Health Section would like to thank the following individuals for their input and review:

  • Kevin Binder
  • Warren Cohen
  • Tom Corcoran
  • Rick Leavitt
  • Jinn–Feng Lin
  • Doug Taylor
  • Steve Siegel, SOA Research Actuary
  • Barbara Scott, SOA Research Administrator

Questions Or Comments?

If you have comments or questions, please send an email to