Description: The goal of the study is to create tables which are based on Sun Life experience in the first 5 years of disability duration, then equal to 100% of the 1987 basic rates after 5 years. One table was created from the 1987 tables which was unisex and one elim. the LTD claim file has an approximate 50/50 split of male, female claims and 3, 6 month elim claims.