Description: The birthday rule is used to determine whether the father's or the mother's insurer is liable for a child's medical bills, where the liability rests with the insurer of the parent whose birthday falls in the first half of the year. It is assumed that the odds are even that the liable insurer will be the mother's, vs. the father's. This paper demonstrates how the key determinant of whether this assumption is valid is the distribution of the difference in spouses' ages.

Description: This paper presents the commutation functions and net premiums required for reserve calculations with specimen reserve tables. From Transactions of Society of Actuaries 1959, Vol. 11, No. 30 AB.

Description: This research report is to measure the variation in group medical insurance claim costs by duration from issue in small groups with 1 - 25 employees .

Description: 1973 SOA Regional Meetings, Saint Paul and San Francisco. This paper provided a summary of several concurrent sessions from the referenced meetings including: 1. PRICE DISCLOSURE AND COST COMPARISON. 2. INDIVIDUAL LIFE AND HEALTH UNDERWRITING. 3. TIME SERIES ANALYSIS AND FORECASTING. 4. INDIVIDUAL HEALTH INSURANCE - PROBLEMS AND PRODUCT TRENDS. 3. VARIABLE LIFE INSURANCE. 6. POLLUTION, POPULATION, AND THE QUALITY OF LIFE. 7. HEALTH MAINTENANCE ORGANIZATIONS.

Description: This paper presents a method for analyzing the experience of a stop-loss underwriter to develop a claim continuance table. This method is designed to deal with the limitations presented from certain limited information so as to get the most out of the available information. To the extent this approach is succesful, the credibility of the experience analysis will be maximized, thus minimizing the reliance on external data. From Actuarial Research Clearing House 1993, VOL. 3.

Description: This paper was prepared to facilitate discussions with the New York State Insurance Department concerning price regulation and the application of minimum loss ratio standards for individual health insurance. From Transactions of Society of Actuaries 1982, Vol. 34.

Description: This paper describes the construction of the 1965 Supplementary Major Medical Tabular used to measure expect4ed claims. The paper also comments on the relationship of the intercompany 1963-65 experience to it. From Transactions of Society of Actuaries 1968, Vol. 20, Pt. 1, No. 56 AB.

Description: This study produces annual claim costs for Group Weekly Indemnity Insurance and Group Employee & Dependents Hospital & Surgical Expense Insurance and exhibits the trend in these claims costs. This report is based on a study by the Committee on Group Accident and Sickness Experience designed to satisfy that need to update previous studies due to the shift in emphasis by plan of benefit, the increase in level of hospital expenses and the change in pattern of these expenses. From Transactions of Society of Actuaries 1960, Vol. 12, No. 34.

Description: This review summarizes the key features of a stochastic model that works with non-life insurance claim incurral, accrual and reporting. More specifically it provides an overview of the claim model components, classical parameter estimators, test statistics, and forecast point estimates and error variances. From Actuarial Research Clearing House 1991, VOL. 1.

Description: With the increase of membership in Blue Cross / Blue Shield, this paper presents the practices and experience under the plans using the United Medical Service, Inc as a model. Transactions of SOA Vol. 6, No. 14