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: 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: This aticle discusses LTD claims experience and the effects of Social Security offsets and pre-existing clauses.

Description: In the development of a group long term disability LTD premium scale it is necessary to consider the level of credit that should be given for offset of Social Security benefits. The amount of the Social Security award and the proportion of LTD payments that will be made while the individual is receiving that award should be considered.

Description: This article is a discussion of a study released in June 1976 by the New York Insurance Department, entitled “Disability Income Insurance – Cost Differentials between Men and Women.” The author of this article notes that “due to charges by various groups of discrimination in the underwriting and establishing of premium rates for individual disability income insurance, the results of this study have been eagerly awaited by many segments of the insurance industry. Fears of substantiating uni-sex rates were unfounded as the results of the study generally conformed to those of the Society of Actuaries which the industry has relied on to a great extent in the past.”