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 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.

Description: Presented at October 2001 Annual Meeting. Topics covered in this session include Internet-based health plan exchanges, defined-contribution health plans, self-directed health plans, personal spending accounts, and episodic based reimbursement to insureds.