Description: Provides background on the Brazilian insurance authority's ban of the group life rider benefit for Total and Permanent Disability due to illness, TPD. Then discusses alternative benefits that could be offered as replacements.

Description: This session is about regulatory constraints and the role the NAIC is playing to help facilitate 24-hour programs, plan design issues, the use of managed care, coverage as part of a workers' compensation plan versus coverage of health care outside of the workers' compensation system. From Record of Society of Actuaries Vol. 18, No. 4A.

Description: A Discussion of why female mortality is higher than male mortality at higher ages.

Description: Past problems with Association Group Disability Coverage inadequate pricing, contract deficiencies, less restrictive underwriting standards, lack of risk diversification Issue No. 38

Description: This article summarizes a 2010 disability research project that explored offsets of benefits for group long-term disability plans.

Description: Panel explores new disability products offered by writers of individual disability insurance and the ways in which these products connect with other types of insurance. From the Record of the Society of Actuaries, Vol. 25, No. 2.

Description: In the development of a group long term disability LTD premium scale it is necessary to consider the level of credit that should be given for offset of Social Security benefits. The amount of the Social Security award and the proportion of LTD payments that will be made while the individual is receiving that award should be considered.

Description: This aticle discusses LTD claims experience and the effects of Social Security offsets and pre-existing clauses.

Description: This article is a discussion of a study released in June 1976 by the New York Insurance Department, entitled “Disability Income Insurance – Cost Differentials between Men and Women.” The author of this article notes that “due to charges by various groups of discrimination in the underwriting and establishing of premium rates for individual disability income insurance, the results of this study have been eagerly awaited by many segments of the insurance industry. Fears of substantiating uni-sex rates were unfounded as the results of the study generally conformed to those of the Society of Actuaries which the industry has relied on to a great extent in the past.”

Description: discussion of a new product idea for retirement planning which integrates a variety of needs estate death benefit, annuity income, disability income, etc. into one product