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  • Opportunities in Under-Penetrated Disability Markets
    and they don't really care a lot whether it was work-related. They do care about workers' compensation ... ) Employers also expect increased quality of care. (If you have one message going out about treatment ...

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    • Authors: Frederic L Broers, David E Scarlett, Daniel D Skwire, Wendy Manners
    • Date: Oct 1998
    • Competency: External Forces & Industry Knowledge
    • Publication Name: Record of the Society of Actuaries
    • Topics: Health & Disability>Disability insurance
  • Group LTD
    from one-income families or were at least the primary wage eamer from two-income families. Secondary ... remain at work or return to work, if they were the primary wage eamer of the family. For most companies, the ...

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    • Authors: Frederick Brown, Julia T Philips, Wayne V Roberts, Timothy W Knott, Stephen Mitchell
    • Date: Apr 1993
    • Competency: External Forces & Industry Knowledge
    • Publication Name: Record of the Society of Actuaries
    • Topics: Health & Disability>Disability insurance
  • Current Reserving Issues for Disability Insurance
    the experience data. Why margins? Because the primary purpose of statutory reserves is to assure company ... assumptions need to be appropriately conservative. The primary risks that need to be provided for are: (1) ordinary ...

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    • Authors: Kenneth W Faig, Charles Meintel, Vincent DeMarco
    • Date: Oct 1999
    • Competency: External Forces & Industry Knowledge
    • Publication Name: Record of the Society of Actuaries
    • Topics: Health & Disability>Disability insurance
  • The New Income Replacement Policies
    result of an accident or sickness and is under the care of a doctor. Total disability is never required ... marketing the product. The usual brochures, as well as direct mailing pieces and rate books were developed, and ...

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    • Authors: Andrew M Perkins, Robert L Spies, JOHN HAYNES MILLER, William C Koch
    • Date: Apr 1982
    • Competency: External Forces & Industry Knowledge; Technical Skills & Analytical Problem Solving
    • Publication Name: Record of the Society of Actuaries
    • Topics: Health & Disability>Disability insurance
  • National Issues Involved in Loss-of-Time Coverage
    witness the concern in other areas. Additional care is now required to design and retro-fit build- ings ... Federal Government area the largest program is the primary and dependent benefits of the Social Security System ...

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    • Authors: Charles C Black, John C Caton, Carl L Loeffel
    • Date: May 1981
    • Competency: External Forces & Industry Knowledge
    • Publication Name: Record of the Society of Actuaries
    • Topics: Health & Disability>Disability insurance
  • Distribution Issues Facing Individual Disability Income Insurance
    product and marketing implications that have a direct bearing on distribution. I will come back up and ... beneficiary or the insured is not necessarily a direct beneficiary. There's not as much potential for ...

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    • Authors: Michael B Koopersmith, Richard A Magro, Jeffrey Kay
    • Date: Oct 1998
    • Competency: External Forces & Industry Knowledge
    • Publication Name: Record of the Society of Actuaries
    • Topics: Health & Disability>Disability insurance
  • Adverse Selection in Disability Insurance
    to stay with you for a short time, so they don't care if you make money or not. We are prone to focus ... participation and simplified medical underwriting as primary risk controls and describe what I see as some of ...

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    • Authors: Douglas Taylor, Scott Haglund, Frederick Flores
    • Date: Jun 2005
    • Competency: External Forces & Industry Knowledge
    • Publication Name: Record of the Society of Actuaries
    • Topics: Health & Disability>Disability insurance
  • Individual Disability Income Contract Provisions
    time has been approved in all states, and the full direct offset approach that Jack Caton developed at AUL ... The problem arises from inflation. If you put a direct offset provision in a 416 OPEN FORUM fixed ...

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    • Authors: Charles Habeck, Michael L Kellen, Gerald S Parker, Sherryl Peek, David E Scarlett
    • Date: Apr 1983
    • Competency: External Forces & Industry Knowledge
    • Publication Name: Record of the Society of Actuaries
    • Topics: Health & Disability>Disability insurance
  • 'Once More unto the Breach': An Overview of the Disability Insurance Market
    could go into a little story about each one. Health care reform, for example, hit the group business in a ... Health care reform also hit from a claims perspective, relative to doctors and the health care segment ...

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    • Authors: Gordon G Dinsmore, Charles Meintel, Howell M Palmer, David E Scarlett
    • Date: Oct 1999
    • Competency: External Forces & Industry Knowledge
    • Publication Name: Record of the Society of Actuaries
    • Topics: Health & Disability>Disability insurance
  • Individual Disability Income Product and Experience Trends and Group Long-Term Disability Product and Experience Trends
    certainspecialties have been impactedmore by managed care in the recent past than general practitioners, we ... perspective, all kinds of things happened, such as health care reform coming to a head, which had a dramatic effect ...

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    • Authors: Thomas Corcoran, Albert Riggieri, David S Mogul, Robert G Taylor
    • Date: Oct 1995
    • Competency: External Forces & Industry Knowledge
    • Publication Name: Record of the Society of Actuaries
    • Topics: Health & Disability>Disability insurance