Description: This paper explores available disability experience data in order to shed some light on the character and extent of the subjective influences which affect the frequency and duration of disability. A mathematical model for computing disability income premiums and reserves is also presented.

Description: The present paper starts with the published experience in the 1968 'Reports', discusses the factors involved in developing a valuation basis from the basic data, and describes the proposed basis so derived. Commutation functions are also developed.

Description: This paper presents and analyzes data on disability and disability termination rates from group waiver of premium, group disability income, individual loss-of-time business and the OASDI system. The paper also presents the differences in disability termination rates between male and female and the possible causes. From Transactions of Society of Actuaries 1979, Vol. 31.

Description: This paper updates the predecessor 1971 Disability Table, takes into account major changes in the reported experience of the past decade, and corrects defects in the previous table's calculation of termination rates. From Transactions of Society of Actuaries 1983, Vol. 35.

Description: This discussion looks at: what period or combination of periods could reliably be used for valuation purposes, if the practice of applying the rate of disability to mixed lives in the construction of monetary tables is appropriate, and problems from the use of the assumed date at commencement of disability as contrasted with the use of the date at the end of the waiting period.

Description: This report presents a two-part analysis of morbidity experience under individual loss-of-time policies, 1960-1963. The first part covers the full first year of the benefit period, while the second part analyzes experience under claims extending into the second year of benefits. From the Transactions of Society of Actuaries, 1965 Reports.

Description: This 1963 Report presents an analysis of morbidity experience under individual loss-of-time policies during calendar years 1960-61 and a comparison of this experience with results for the period 1955-59.

Description: Presents the results of the continuing study of the morbidity experience of Group Long Term Disability Insurance. Experience included in the report is for the period 1974 - 1978 and is predominantly that of employer-employee groups located in the U.S and is largely for plans that appear not to have been the result of bargaining.

Description: This study provides 1970-1971 experience under loss-of-time policies.

Description: Provides morbidity experience under individual loss-of-time policies during the full first year of the benefit period. Separate accident and sickness tables are included.