Description: This session discussion is about tools, techniques, and methods used by the health valuation actuary HVA in dealing with business projections, cash-flow analysis, valuation on nonguaranteed premium business, target surplus analysis, reinsurance and claim reserves. From Record of Society of Actuaries Vol. 18, No. 1A.

Description: Presented at May 1996 Spring Meeting. Traditional reinsurers have become more conservative in recent years as the individual disability insurance industry continues to report poor financial results. Some reinsurers have exited the marketplace, while some others have raised rates, restricted certain coverages, tightened underwriting, and taken other actions to manage the risks. Thus, alternatives to traditional DI reinsurance are discussed.

Description: Covers the 1978 - 1982 morbidity experience for employer/employee groups.

Description: This paper summarizes the salient techniques for evaluating and pricing the risks in group disability income coverages. This paper contains examples of how to evaluate short-term and long-term disability experience for developing manual rates. A discussion of the paper follows. From Transactions of Society of Actuaries 1990, Vol. 42.

Description: This 1978 session focused on National Issues Involved in Loss-of-Time Coverage also known as disability insurance including Government plans and association and group plans and 2. The future of private loss-of-time insurance. From Record of Society of Actuaries, Vol. 7, No. 2.

Description: This session discusses income replacement, or disability, policies. Topics include how they work, design alternatives, marketing, underwriting, regulation, past experience and future trends. From the Record of the SOA, Vol. 8 No 3

Description: This session from the 1983 SOA Spring Meeting covers individual disability including the definition of disability, occupational definitions, replacement ratios, social insurance offsets and contract provisions. It also reviews trends in product design and underwriting.

Description: This session from the 1984 SOA Toronto Meeting discusses the current developments related to U.S. Social Security and the Canadian governmental disability programs and their impact on today's disability insurance market, financial underwriting for group and individual disability income products and new disability experience and valuation tables. From Record of the Society of Actuaries Vol. 10, No. 4A

Description: A contingency table is a set of counts or frequencies obtained by classifying observations in two or more different ways. Log-linear analysis is applied to disability terminations, linking them to variables such as sex, age, region and maximum benefit period. Application to risk classification and underwriting are outlines.

Description: While discussing newer solutions to past problems, panelists in session 121 OF of the New York Annual Meeting consider under-penetrated disability markets such as the blue-collar market, the association market, and the integrated disability market. From the record of the Society of Actuaries, Vol. 24, No. 3.