Description: This is an updated experience study for individual loss-of-time policies from 1972-1973. Annual claim rates, average claim distributions, and annual claim costs are shown for accident disability, sickness disability, and total sickness and accident disability. From Transactions of Society of Actuaries 1975 Reports

Description: Report by the Committee on Disability and Double Indemnity on an intercompany study of the experience under disability benefits supplementary to Ordinary life insurance policies. From Transactions of Society of Actuaries 1952 Reports

Description: This is a experience study of individual loss-of-time plicies from 1968-1969. From Transactions of Society of Actuaries 1971 Reports

Description: A 1981 two-part study covering experience under individual loss-of-time policies in the first and second years of the benefit period.

Description: Covers 1980 experience under individual loss-of-time policies in the first and second years of the benefit period, and historical data is shown from 1974 forward.

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: 1959 Report presenting the results of the Committee's studies of morbidity experience during the years 1955 to 1957, inclusive, under individual accident and sickness policies. From Transactions of Society of Actuaries 1959 Reports

Description: Covers the experience for the year 1981. Part 1 provides experience for the first year of the benefit period and part 2 provides the 2nd and 3rd year experience.

Description: This is the 1978 report of the experience under certain ordinary waiver of premium benefits between 1959 and 1974 anniversaries.

Description: In January 1998, the NAIC Life and Health Actuarial Technical Task Force asked the Society of Actuaries to address disability reserving issues. The reason for this request was that the NAIC had received reports that statutory reserves based on the current morbidity tables frequently fail the tests of adequacy and reasonableness. Further, they requested that this review extend to contract and claim reserves and across all lines of disability insurance - group and individual, and short- and long-term. They also requested help in establishing when it is appropriate for a company to use its own experience in valuation. This report represents a recommendation to the NAIC for an interim update to the 1985 CIDA Table for Individual Disability claim reserves. This zip file contains the final report and appendices.