Description: This session addresses buying or selling a block of long-term disability or life waiver claims: assumptions used to value these blocks, how life waiver business differs from long-term disability business, and possible structures for a deal. From the Record of the Society of Actuaries, Volume 28, No. 2, Session 65

Description: This session discusses current short-term disability benefits, recent market trends, pricing and risk management issues. Includes a discussion on voluntary benefits, self-funding and packaging with long-term disability. From the Record of the Society of Actuaries, Volume 28, No. 2, Session 93

Description: Panelists discuss a variety of recent developments in the group disability marketplace, including new risk-based-capital requirements, progress toward a new experience table, and the impact of war and recession. Also discussed was a new catastrophic-event LTD pool originated by John Hewitt & Associates [JHA]. From the 2002 Record of Society of Actuaries, Volume 28, No. 3. Session 81OF of the Boston Annual Meeting.

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: 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 review of how credit life and disability insurance is used in conjuction with real estate loans.

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

Description: This paper looks at how smaller companies are expanding their operations in the disability income, accident and sickness field, what the problems and the expectations of satisfactory financial results are and how the Society can assist members in the constructive development of this business. A discussion of waiver of premium riders on life insurance policies was also discussed.

Description: This literature guide focuses on the distribution costs, especially the field compensation costs, that are incurred through the traditional general agency, branch office or brokerage structures for individual life, annuity and disability products.

Description: This paper derives exact expressions for the ultimate ruin probability and establishes the effect of correlation on ruin probability using the Wiener-Hopf factorization.