Description: This panel discussion focuses on long term disability insurance examining the market, overinsurance problem, and new product designs.

Description: Presented at April 1985 Spring Meeting. This session discussed new disability tables being proposed to the NAIC for valuation. Discussion covered history of the development of the tables and Barnhart's proposal for a change in method for determining the statutory minimum LTD open claim reserves.

Description: This paper by John Mereu describes a method for mathematically computing the expected loss under a group life contract in excess of a stated limit. The paper also shows how to compute the variance and standard deviation of the stop-loss claim and suggests how the method can be extended to group insurance benefits where the claim amount per certificate is not fixed. Paper is followed by discussions from several people

Description: This discussion at a SOA 1967 Regional Meeting covers individual life and health insurance topics including individual health loss of time coverages, life underwriting, reinsurance, individual annuity retirement plans in Canada, market testing new products.

Description: The Committee's charge was to develop new disability tables for possible adoption by appropriate authorities for valuation of individual policy reserves, i.e. active life reserves, and individual and group claim reserves for disabled lives. It was generally agreed that the current valuation table, the 1964 Commissioner’s Disability Table, ‘1964 CDT,’ was no longer appropriate for several reasons. This paper presents the detailed results of the committee's findings and their recommendations. From the 1985 Transactions, Vol. 37.

Description: This discussion addresses the following questions about health insurance maternity benefits: 1. What has been the claim, lapse, and expense experience on hospital-medical policies with maternity benefits issued to young married couples? 2. To what extent have hospital-medical policies been introduced with reduced maternity benefits during the early policy years or with no maternity benefits? 3. What other measures are being used to provide maternity benefits on a self-sustaining basis? 4. Are these measures effective? From Transactions of Society of Actuaries 1963, Vol. 15 Pt. 2

Description: Panel discussion on current issues, trends, and methodology in individual disability income insurance, including overinsurance, pricing, financial reporting, as well as efforts by professional associations to address these issues.

Description: This is a panel discussion session on new valuation tables for individual disability income insurance and reserves. From Record of Society of Actuaries 1980, Vol. 6, No. 4.

Description: The report of the Society of Actuaries' Committee to Recommend New Disability Tables for Valuation was presented to the Board of Governors on January 15, and was authorized for an exposure draft to Society members. An abridged section of the report was mailed to all members February 1.

Description: This session from the 1984 SOA Atlanta Meeting covers the reasons for employer sponsored life insurance, the special distribution system requirements, the critical administrative considerations and the products which serve the market most effectively. There is a brief discussion on how unisex rates - the Norris decision - will affect the products offered.