Description: The purpose of this paper is to analyze several existing versions of the return of premium provision and to attempt to develop a logical critique of the concept, with the object of suggesting certain criteria [cost, equity, and compatibility with the purpose of the basic coverage of the health contract] which could serve as a basis for evaluating the merits of various forms of the provision. From Transactions of Society of Actuaries 1970, Vol. 22, Pt. 1, No. 64.

Description: This discussion is about individual and family major medical expense insurance. Topics discussed include morbidity experience, plan design and differences in claims cost due to socioeconomic status. From Transactions of Society of Actuaries 1961, Vol. 13 Pt. 2

Description: The object of this paper is to present a theoretical basis for the mathematical graduation of continuance data for both elementary and combined benefits, and to demonstrate the methods of utilizing the theory to derive claim costs for a wide variety of benefits. From Transactions of Society of Actuaries 1959, Vol. 11, No. 31.

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 paper presents and analyzes data on disability and disability termination rates from group waiver of premium, group disability income, individual loss-of-time business and the OASDI system. The paper also presents the differences in disability termination rates between male and female and the possible causes. From Transactions of Society of Actuaries 1979, Vol. 31.

Description: This is a discussion about the problem of overinsurance arising from duplication of coverage. From Transactions of Society of Actuaries 1963, Vol. 15 Pt. 2

Description: This paper examines the 'King intervaluation method' within the framework of a health insurance valuation system. From Transactions of Society of Actuaries 1964, Vol. 16, Pt. 1, No. 45.

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 is a panel discussion session on individual health insurance including regulations and the considerations to guide decisions as to product portfolio marketing objectives and distribution systems.

Description: This report discusses the use of a basic table of net annual claim costs for hospital and surgical expense insurance as adopted by the NAIC in 1956 to be used as a minimum reserve standard for loss-of-time benefits. It is the intention of this paper to outline the characteristics of the table, to discuss the factors which influence reserve considerations, and to describe suitable methods of determining active and disabled life reserves for the types of benefit provisions now most generally offered. From Transactions of Society of Actuaries 1965, Vol. 17, Pt. 1, No. 49.