Description: Attempts to explain the need for premium increases on level-premium, guaranteed-renewable health-insurance policies. It presents a perspective on loss ratios for such policies that may be helpful to an insurer in reflecting a regulator's or consumer's viewpoint.

Description: September’s Actuary contained an excellent summary by Drew Davidoff of renewal rating for small group medical business. Among the techniques he describes are age, sex, and area rating, experience rating using credibility, experience rating using tiers, examination of the diagnoses in the claim file, and initial and reentry medical underwriting.

Description: Table from an article in The Actuary Magazine on an analysis of risk management terminology: your guide to speaking ERM with different industries. Volume 4, Issue 6

Description: This article highlights what makes disabled people return to work and gives examples of how flexible claims services can operate in a cost efficient manner.

Description: In this article, the author, reflecting upon his own experiences, discusses why meaningful individual health insurance, unlike other lines of individual coverage, is generally not offered by insurers to individuals with long-term needs.

Description: This article discusses the growing number of cases of dementia and its effects on economics and loved ones.

Description: Discusses variability in per capita health-care costs by health-care provider.

Description: The viability and future outlook for the individual disability industry has dramatically improved from where it was 10 years ago. Evidence of this turn–around can be found in the industry's current profitability and its development of new markets. This article discusses where the market stands today.

Description: This article is about the agent orange program and the actuarial analysis which provided necessary information so that the available funds would be sufficient to pay eligible claims. From The Actuary Vol. 24, No. 2

Description: In this editorial the author discusses how actuaries can help mitigate the impact of managed care lawsuits. Examples are provided. From: The Actuary, April 2000 – volume 34 - Issue 4.