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Is Non-Cancellable Disability Income Viable?
reasons for that. At the Guardian, an old medical care line of insurance is guaranteed renewable. Some ... services, and investment services. One of our primary responsibilities, I believe, is to classify risks ...- Authors: John M Lenser, David E Scarlett, David Simbro, Kevin Farley, Daniel D Skwire
- Date: Jun 1995
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Health & Disability>Disability insurance
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Opportunities in Under-Penetrated Disability Markets
and they don't really care a lot whether it was work-related. They do care about workers' compensation ... ) Employers also expect increased quality of care. (If you have one message going out about treatment ...- Authors: Frederic L Broers, David E Scarlett, Daniel D Skwire, Wendy Manners
- Date: Oct 1998
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Health & Disability>Disability insurance
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Disability Income
disability insurance needs to be approached with great care, because the insurer is locked-in to the rate structure ... asset-adequacy conclusions. In the past, the primary means by which we have convinced ourselves that ...- Authors: Paul D Hitchcox, Albert Riggieri, David E Scarlett, Robert J Shlifer
- Date: Jan 1992
- Competency: External Forces & Industry Knowledge
- Topics: Health & Disability>Disability insurance; Public Policy
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'Once More unto the Breach': An Overview of the Disability Insurance Market
could go into a little story about each one. Health care reform, for example, hit the group business in a ... Health care reform also hit from a claims perspective, relative to doctors and the health care segment ...- Authors: Gordon G Dinsmore, Charles Meintel, Howell M Palmer, David E Scarlett
- Date: Oct 1999
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Health & Disability>Disability insurance
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Individual Disability Income Contract Provisions
time has been approved in all states, and the full direct offset approach that Jack Caton developed at AUL ... The problem arises from inflation. If you put a direct offset provision in a 416 OPEN FORUM fixed ...- Authors: Charles Habeck, Michael L Kellen, Gerald S Parker, Sherryl Peek, David E Scarlett
- Date: Apr 1983
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Health & Disability>Disability insurance
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Hot Products - Individual Disability Insurance
Paul Revere is, although we’re an IDI company, my primary background is really group insurance. So even ... known that inflation or lack of inflation has a direct impact on recovery rates. The second thing that ...- Authors: Charles Bieter, Robert G Meilander, Bruce A Richards, David E Scarlett
- Date: Jun 1996
- Competency: Technical Skills & Analytical Problem Solving>Process and technique refinement
- Publication Name: Record of the Society of Actuaries
- Topics: Health & Disability>Disability insurance
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The Future of Disability Insurance: Elements of Success
when you had changing developments like managed care and the impact that it had on the physician community ... which is the standard definition of a long-term-care (LTC) benefit trigger; then it can go up to 100% ...- Authors: Robert W Crispin, Robert B Pollock, David E Scarlett
- Date: Oct 1998
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Health & Disability>Disability insurance
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Individual Disability Income - Managing the Bottom Line
Premium growth should be measured in terms of total direct premium not just new business. It doesn't help ... portion are held by the reinsurer. Probably the primary reason why most companies reinsure disability income ...- Authors: Robert Beal, W Duane Kidwell, David E Scarlett, Lois VandeKopple
- Date: Apr 1990
- Competency: External Forces & Industry Knowledge; Technical Skills & Analytical Problem Solving
- Publication Name: Record of the Society of Actuaries
- Topics: Health & Disability>Disability insurance
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How Do You Make a Profit in Individual Disability Income?
and he's also responsible for managing long-term-care research at Northwestern Mutual. MR. DAVID W. SIMBRO: ... coverage levels. The bottom line is that there is a direct link between more coverage and more claims. Another ...- Authors: David Libbey, Howell M Palmer, David E Scarlett, David Simbro
- Date: Jun 1994
- Competency: Technical Skills & Analytical Problem Solving
- Publication Name: Record of the Society of Actuaries
- Topics: Health & Disability>Disability insurance
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Individual Disability Income
new claims in the last few years. Instead the primary impact seems to come from reduced claim termination ... long-termenterprise that must be managed with great care and with vision. Absent these, recent history demonstratesthat ...- Authors: Charles Bieter, David Libbey, David E Scarlett, Mark Seliber
- Date: Apr 1993
- Competency: External Forces & Industry Knowledge
- Publication Name: Record of the Society of Actuaries
- Topics: Health & Disability>Disability insurance