Description: Presented at October 1996 Annual Meeting. In this discussion, panelists look at nontraditional disability delivery approaches - such as direct marketing, banks and internet - and competitors for insurance companies in disability management - such as HMOs and management consulting firms.

Description: Presented at June 1996 Spring Meeting. The presentation will be given by the direct managers of actual cases under the new types of disability products, including managed disability, 24-hour coverage, and voluntary disability. In addition, it will lead to the awareness of current developments for group LTD and STD.

Description: Disability insurers are showing an increasing interest in benefits that tie closely to long-term care. Several insurers have developed disability products that offer additional disability benefits based on the loss of activities of daily living, while others offer options to convert disability policies into long-term care policies. From Record of Society of Actuaries, Vol. 30, No. 1.

Description: This session discusses what will happen to supplemental coverages under health care reform. Topics include traditional group ancillary benefits, health care reform supplements, and traditional individual/group niche products? From Record of Society of Actuaries Vol. 20, No. 3A.

Description: This session explores the issues raised and logistical problems encountered in setting risk-based capital RBC factors for various health products. Also discussed is the development of surplus requriements for disability income products. From the Record of the Society of Actuaries, Volume 27, No. 1, Session 95

Description: Affordability is a primary consideration in the design and marketing of disability products for both group and individual insurers. In this session, the panelists explore the need for affordable coverage from both the insurer's and the customer's perspectives. From the Record of the Society of Actuaries, Vol. 31, No. 2, Session 37

Description: Essay where payers desiring to optimize health gains per dollar spent should avoid “across the board” cost sharing, and instead implement a “value based” design that removes barriers/provides incentives to encourage desired behaviors for patients and providers.

Description: 1994 SOA Meeting, San Francisco. This session is about joint ventures and private labeling for life, annuity and disability products. In a primary variation of private labeling, a manufacturer develops, underwrites, administers, and does the actuarial functions, but the client company markets the product. Other variations of joint ventures have different distributions of duties.

Description: A Discussion of why female mortality is higher than male mortality at higher ages.

Description: Panelists discuss the role of the valuation actuary in health insurance. From the Record of the Society of Actuaries, Vol. 24, No. 2.