Description: Essay where payers desiring to optimize health gains per dollar spent should avoid “across the board” cost sharing, and instead implement a “value based” design that removes barriers/provides incentives to encourage desired behaviors for patients and providers.

Description: This paper includes three discussions. The first is about permanent type insurance used as a substitute for group term insurance. The second discussion is about long-term disability experience, offsets and underwriting. The third discussion is about medical care expense insurance including experience, trends, impact of Medicare and COB. From Transactions of Society of Actuaries 1968, Vol. 20 Pt. 2, No. 57

Description: The report analyzes the results of a survey of LTD carriers in the United States, focusing on how LTD carriers reflect benefit offsets in the valuation of their reserves.

Description: The SOA's GDIEC has completed their study of termination experience for the period 2004-2012. Included is a preliminary report and pivot tables.

Description: Panelists discuss their research about the correlations between changing economic and other external trends and long-term disability claims. From the 2002 Record of Society of Actuaries, Volume 28, No. 2. Session 33OF of the San Francisco Spring Meeting.

Description: Claim management is one of the most complex yet critical components of managing a block of disability business. This session discusses actuarial involvment in: · Claim settlements · Litigation · Performance management · Reserving assumptions From the Record of the Society of Actuaries, Volume 27, No. 1, Session 74

Description: Disability insurers are showing an increasing interest in benefits that tie closely to long-term care. Several insurers have developed disability products that offer additional disability benefits based on the loss of activities of daily living, while others offer options to convert disability policies into long-term care policies. From Record of Society of Actuaries, Vol. 30, No. 1.

Description: In session 102 PD of the Washington Annual Meeting panelists discuss the uses of reinsurance with Group Disability Income DI. From the Record of the Society of Actuaries, Vol. 23, No. 3.

Description: Presented at May 2000 Spring Meeting. Experience on group and individual disability insurance has been historically sensitive to economic and demographic trends. In recent years, for example, the restructuring of the health care industry has caused major upheaval for many disability for many disability insurers. The panelists in this session speak in general terms about a variety of trends, such as the stock market, unemployment rates, interest rates, and the aging of the baby boom generation. They then turn specifically to the disability insurance market and speculate on how these trends may affect financial results.

Description: This session is about the practical and theoretical considerations in all-lines insurance operations, solvency of all-lines companies, and financial implications of all-lines operations, including investment of assets and Federal Income Tax.