Description: This discussion covers the loss experience under superimposed plans compared with comprehensive plans, controls over increasing costs and the use of Relative Value Schedules, and deductible amounts and coinsurance provisions.

Description: Discussion of types and amounts of benefits continued on retired employees and their dependents, the cost of continuance of pensioner benefits under the group plan and methods of financing benefits during active employment.

Description: This discussion looks at the success rate companies have in the sale of long-term disability benefits, benefits provided after plan termination, appropriate experience for determination of premiums and reserves, determination of reserve liabilities for continuing claims, and experience rating.