Description: This paper looks at how smaller companies are expanding their operations in the disability income, accident and sickness field, what the problems and the expectations of satisfactory financial results are and how the Society can assist members in the constructive development of this business. A discussion of waiver of premium riders on life insurance policies was also discussed.

Description: Discussion of the following topics pertaining to disability income and other health insurance: 1. What portions of the loss of income and of the expenses incurred are properly insurable? 2. What special problems are encountered in providing suitable coverage for the following: a Employees and dependents eligible under Group plans b Individuals employed or not employed and their dependents ineligible under Group plans c Aged persons. 3. Methods for companies to meet the problems of overinsurance arising from duplication of coverage or from other causes?