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: 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: 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: This is a research project on issues in applying credibility in group long-term disability (LTD) insurance.

Description: A recent study sheds light on the measurement and implications of the relationship between increased morbidity and declining disability. The results were not consistent across all populations. This study of the compression of morbidity is part of a wider project called the M-project, led by the four authors, which aims to explore the demographic factors leading to an increase in the adult longevity, investigate the phenomenon called the compression of mortality and develop a new methodological approach to longevity analysis with focus on the modal age at death M.

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: 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.