Description: Data on morbidity, loss ratios, actual-to-expected continuance rates, and lapse rates for disability insurance, and discussion of the implications with respect to legislation, product design, pricing, underwriting, and marketing. This presentation was made at the 1975 SOA Los Angeles Spring Meeting.

Description: Panelists at this session of the SOA 1995 Vancouver Spring Meeting discuss implementing GAAP for health products with emphasis on differences with life insurance. Current efforts of mutual companies to implement GAAP is also discussed.

Description: Traditional methods of addressing reserves and liabilities have failed to cope with the problems of escalating claim costs, frequent rate increases, and different opinions as to what liabilities should be recognized. This paper reexamines these issues, discusses shortcomings of current methods and proposes a new approach to the total subject. From Transactions of Society of Actuaries 1985, Vol. 37.

Description: This discussion looks at regulation - specifically as it relates to Group Insurance and Individual Health Insurance. Since insurance is principally a state issue, the industry is faced with a multiplicity of regulatory responses. From Record of the Society of Actuaries 1981, Volume 7, No. 4.

Description: This is a transcript of a 1982 meeting of the Health Section. Includes presentation and discussion of three papers: a. Cumulative Anti-selection Theory by William F. Bluhm b. Regulatory Monitoring of Individual Health Insurance Policy Experience by John B. Cummings c. Medical Care and Services in Canada by Frank G. Reynolds From Record Vol. 8, No. 4

Description: This article was presented at the 1978 SOA Spring Meeting and discussed the individual health insurance with issues such as: revisions in guaranteed renewable gross premiums adequacy of current policy and claim reserves and the new valuation tables. From Record of Society of Actuaries, Vol. 4, No. 4.

Description: Author provides rationale for his disagreement with the latest draft proposal of reserve standards for health insurance that is being considered by the NAIC for adoption.

Description: This panel discussion examines individual long term disability insurance and discusses increased incidences, overinsurance, social insurance, new products and better underwriting. From Record of Society of Actuaries, 1977 Vol. 3 No. 3, Mr. Shapland moderating.

Description: This session focused on Health Insurance Minimum Loss Ratio Regulation. Topics include: 1. The NAIC minimum loss ratio guidelines. 2. Loss ratios viewed from the regulatory side. 3. Recent developments in certain states. From Record of Society of Actuaries, 1981 Vol. 7, No. 3.

Description: This article is a summary of “Reports of Consultants on Actuarial and Definitional Aspects of Social Security Disability Insurance,” U.S. Government Printing Office, 1976. These reports are concerned with the disability portion of the Social Security Act and more specifically, with certain aspects of the definition of disability and the increases in benefit utilization that are taking place under this disability program.