Description: This discussion covers the loss experience under superimposed plans compared with comprehensive plans, controls over increasing costs and the use of Relative Value Schedules, and deductible amounts and coinsurance provisions.

Description: This discussion focuses on the significant aspects of the 1958 mortality experience under group life insurance policies, the significant aspects of the morbidity experience with respect to the various forms of group sickness and accident insurance policies, and the recent experience under individual policies converted from group life insurance or group medical expense insurance plans. From Transactions of Society of Actuaries 1959, Vol. 11, No. 29 AB.

Description: This discussion looks at the success rate companies have in the sale of long-term disability benefits, benefits provided after plan termination, appropriate experience for determination of premiums and reserves, determination of reserve liabilities for continuing claims, and experience rating.