Description: Discusses new valuation standards for credit disability insurance looking to be adopted by the NAIC.

Description: This article highlights what makes disabled people return to work and gives examples of how flexible claims services can operate in a cost efficient manner.

Description: A review of how credit life and disability insurance is used in conjuction with real estate loans.

Description: The author discusses group short-term disability or STD programs, including the advantages and disadvantages of self insured vs. insured plans, as well as hybrid approaches.

Description: This paper derives exact expressions for the ultimate ruin probability and establishes the effect of correlation on ruin probability using the Wiener-Hopf factorization.

Description: The viability and future outlook for the individual disability industry has dramatically improved from where it was 10 years ago. Evidence of this turn–around can be found in the industry's current profitability and its development of new markets. This article discusses where the market stands today.

Description: Voluntary health insurance coverage options are described including hospital indemnity, accident plans, disability insurance, and critical illness policies.

Description: This article offers a brief summary of experience for individual disability income policies based on individual disability income policies which have their first benefit year beginning during 1982 and 1983.

Description: Provides background on the Brazilian insurance authority's ban of the group life rider benefit for Total and Permanent Disability due to illness, TPD. Then discusses alternative benefits that could be offered as replacements.

Description: This article summarizes a 2010 disability research project that explored offsets of benefits for group long-term disability plans.