Description: This discussion from the 1983 SOA Vancouver Meeting reviews the movement to small group health plans, group insurance underwriting, the plan design of non-traditional benefit programs such as cafeteria plans, HMO's and PPO's and new financial processes. From Record of Society of Actuaries, Vol. 9, No. 3.

Description: This session from the 1984 SOA Toronto Meeting discusses an overview of the underwriting methods and techniques used with individually issued accident and health insurance including elimination periods, underwriting limits and claims costs. From Record of the Society of Actuaries Vol. 10, No. 4

Description: Presented at June 1996 Spring Meeting. In this discussion, representatives from DI companies discuss their philosophies, new products, acceptance in the marketplace and future plans.

Description: 1994 SOA Meeting, San Antonio. Panelists discussed actions they have taken or that need to be taken to produce a profitable individual DI product line. Comparisons were made to historical practices and results.

Description: This discussion is about the future of non-cancellable disability income.

Description: This is a discussion about the issues surrounding retirement at age 70. What redesigns of group life, disability, and health plans is necessary as a result of raising the minimum mandatory retirement age to 70? What is the cost effect of these changes? How do you handle benefit design in states with no mandatory retirement age? How should pension and profit-sharing plans be changed to conform to the new law? From Record of the Society of Actuaries 1979, Volume 5, No. 1.

Description: This session discussion is about individual disability income, morbidity, field compensation expenses, persistency, and investment income. From Record of the Society of Actuaries Vol. 15, No. 1.

Description: This presentation is a panel discussion from the 1991 Meeting of the Society of Actuaries, held June 3-5 in Colorado Springs. The panelists will present the results of an intercompany study of disability income reserve practices, dealing with issues such as reserve bases, reserve margins for active and disabled lives, reserve adequacy testing, valuation of riders such as cost of living adjustment, ‘COLA,’ residual, and social insurance, and tax reserves. Discussion from participants is included. From the Record of Society of Actuaries, Volume 17, No. 3A.

Description: This session discussion is about tools, techniques, and methods used by the health valuation actuary HVA in dealing with business projections, cash-flow analysis, valuation on nonguaranteed premium business, target surplus analysis, reinsurance and claim reserves. From Record of Society of Actuaries Vol. 18, No. 1A.

Description: Presented at May 1996 Spring Meeting. Traditional reinsurers have become more conservative in recent years as the individual disability insurance industry continues to report poor financial results. Some reinsurers have exited the marketplace, while some others have raised rates, restricted certain coverages, tightened underwriting, and taken other actions to manage the risks. Thus, alternatives to traditional DI reinsurance are discussed.