Description: 1999 SOA Annual Meeting, San Francisco. This panel explored ways in which disability insurance underwriting guidelines must be closely linked to product design and sales methods. Panelists discussed a number of specific issues, including emerging illnesses, the protective value of various testing procedures, the role of financial underwriting, and the links between product, price, and underwriting.

Description: This panel discussion was presented at the SOA's May 1976 Meeting in Houston. The topics covered included: experience rating problems, group life problems, Long Term Disability issues, Association Group, and utilization of HMOs. From Record of the Society of Actuaries 1976, Volume 2, No. 2.

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: The panelists in this session at the SOA 2003 Vancouver Spring Meeting discuss the outlook for the individual disability business including sales potential, nontraditional approaches to the market, and risk management issues.

Description: This is a discussion about the issues surrounding retirement at age 70. What redesigns of group life, disability, and health plans is necessary as a result of raising the minimum mandatory retirement age to 70? What is the cost effect of these changes? How do you handle benefit design in states with no mandatory retirement age? How should pension and profit-sharing plans be changed to conform to the new law? From Record of the Society of Actuaries 1979, Volume 5, No. 1.

Description: In session 102 PD of the Washington Annual Meeting panelists discuss the uses of reinsurance with Group Disability Income DI. From the Record of the Society of Actuaries, Vol. 23, No. 3.

Description: Data on morbidity, loss ratios, actual-to-expected continuance rates, and lapse rates for disability insurance, and discussion of the implications with respect to legislation, product design, pricing, underwriting, and marketing. This presentation was made at the 1975 SOA Los Angeles Spring Meeting.

Description: This presentation from Session 6PD of the SOA 1999 San Francisco Annual Meeting provides a comprehensive overview of today's disability insurance industry for group and individual disability insurers. Panelists address issues such as financial experience, mergers and acquisitions, changing products, the role of reinsurance, and growth potential. In addition, this session includes historical perspective on the disability insurance industry and a glimpse of what may lie ahead. From the Record of the Society of Actuaries, Vol. 25, 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: 1993 SOA Spring Meeting, San Diego. This session is about individual disability income Topics included: 1. Return of profitability. 2. Smaller industry. 3. Underwriting problems. 4. Claim problems.