Description: This session from the 1992 Valuation Actuary Symposium explores claim reserves, including reserves for stop-loss products, claims reserves for group disability insurance products LTD, and claim reserves for shorter term claim payouts primarily major medical type products and Medicare supplement type products. It also covers Actuarial Standard of Practice 5 dealing with incurred health claim liabilitities.

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

Description: Describes actuarial approaches used to quantify the benefit to employers of implementing financial wellness programs for their employees.

Description: A discussion of funding arrangements that can reduce the costs of providing medical coverage through lower reserves or state tax savings, instead of through cutting benefits.