Description: Information to help participating companies prepare a complete and precise submission for the experience study.

Description: A view of Social Security disability experience for 1970 through 1978, and future projected trends based on observed application, approval, and recovery rates.

Description: This session from the 1995 SOA Vancouver Meeting reviews the findings of the recent Group Life Experience Study using data from 1985 to 1989. From the Record of the Society of Actuaries, Vol. 21, No. 3b.

Description: The panelists in this session discuss current industry practices and new considerations on many items of interest to LTD valuation actuaries. Topics include an update on the Group LTD Experience Study, assumptions and methodology for integration provisions, reserve margin illustrations using asset share models, and reserve run out analysis. From the Record of the Society of Actuaries, Volume 29, No. 2, Session 54

Description: This open forum begins with a presentation of the final report of the Society of Actuaries Individual Disability Experience Committee. This report encompasses claim incidence and termination rates based on a decade of industry experience. From Record of Society of Actuaries, Vol. 30, No. 1.

Description: 1967 Report presenting two-part analysis of morbidity experience under individual loss-of-time policies. The first part of this report covers experience in the first year of the benefit period, and the second part covers experience in the second of the benefit.

Description: Two part study covering first, second and third year benefit period of individual disability loss-of-time policies. From Transactions of Society of Actuaries 1985-87 Reports

Description: The Product Development Section has recently sponsored research on waiver of premium and waiver of charges riders. Waiver riders are commonly offered as optional benefits or included automatically on individual life insurance policies as an integrated benefit. In the event of disability, a waiver rider may waive future life insurance premium due or contribute an amount to a flexible account, such as the average premium paid over the past year or the cost of insurance charges. Despite the prevalence of these riders, the current valuation standard is still the 1952 Society of Actuaries (SOA) Disability Table.

Description: The 2013 Individual Disability Income Valuation Table (2013 IDIVT) approved by the NAIC as the new statutory minimum reserve morbidity basis.

Description: Report of the Task Force to Recommend Morbidity Standards for Valuation of Credit Disability. The key recommendation was that a new morbidity standard for valuation of policy reserves be adopted based on the tables developed by the Task Force. The tables are developed from the 85CIDA tables with incidence rates increased by 12%.