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

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

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: 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.

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: 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: 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.