Description: This paper presents and analyzes data on disability and disability termination rates from group waiver of premium, group disability income, individual loss-of-time business and the OASDI system. The paper also presents the differences in disability termination rates between male and female and the possible causes. From Transactions of Society of Actuaries 1979, Vol. 31.

Description: The author discusses group short-term disability or STD programs, including the advantages and disadvantages of self insured vs. insured plans, as well as hybrid approaches.

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: This paper explores available disability experience data in order to shed some light on the character and extent of the subjective influences which affect the frequency and duration of disability. A mathematical model for computing disability income premiums and reserves is also presented.

Description: Provides background on the Brazilian insurance authority's ban of the group life rider benefit for Total and Permanent Disability due to illness, TPD. Then discusses alternative benefits that could be offered as replacements.

Description: This is the 1978 report of the experience under certain ordinary waiver of premium benefits between 1959 and 1974 anniversaries.

Description: Past problems with Association Group Disability Coverage inadequate pricing, contract deficiencies, less restrictive underwriting standards, lack of risk diversification Issue No. 38

Description: A number of industry groups are currently exploring issues related to reserving assumptions and methodology for group and individual disability insurance, including potential changes to the valuation morbidity tables. This presentation from Session 129PD of the SOA 1999 San Francisco Annual Meeting provides an update on the progress of these projects. From the Record of the Society of Actuaries, Vol. 25, No. 3.

Description: Panel session exploring a variety of issues connected to long-term disability reserve buyouts, including: · Advantages and risks for buyers and sellers · Use of appropriate reserving assumptions · Possible financial structures for a buyout

Description: Discussion of LTC insurance product developments being spurred by recent demographic and regulatory trends, especially combination products such as LTC benefits with disability income, annuities, and life insurance. Several viable product styles are considered, along with the pros and cons of each.