Description: This paper presents a disability continuance table based on industry individual policy experience to render it suitable as a standard for expected claims and for adjusted earnings purposes. Also includes discussion of the paper by John B. Cummings, Timothy A. Hinchliff, John H.Miller, R.Terry Nelson, John S.Thompson Jr., Eduard H.Minor

Description: The Group Life Insurance Experience Committee of the Society of Actuaries has completed the 2005 Group Term Life Waiver Reserve Table Report. There were several compelling reasons to develop a new experience study and table, not the least of which was that 35 years is a long interval for any study.

Description: Data requirements for experience study covering period of 1/1/1997 through 12/31/2006.

Description: This is a experience study of individual loss-of-time plicies from 1968-1969. From Transactions of Society of Actuaries 1971 Reports

Description: This report presents a study of disability claims approved under the Waiver of Premium Disability Clause through December 31, 1948.

Description: This 1969 Report presents a two-part analysis of morbidity experience under individual loss-of-time policies during the calendar years 1966 and 1967. The first part covers experience in the first year of the benefit period and the second part covers the second year of the benefit period.

Description: The premise underlying the method illustrated is simply that, in a suit for damages based on earnings lost by reason of premature death or permanent disability, the value of future earnings should not be measured in terms of the whole of life but rather in terms of a more realistic work life expectancy.

Description: This zip file contains the following Excel workbooks in support of the 1996 Group Long-Term Disability Experience Study: 1. SOATAB~1.XLS, 2. SOATAB~2.XLS, and TABLE95A.XLS.