Description: This study measures the share of married retirees with pension annuities who forgo survivor protection and examines the factors influencing their decisions. It also measures the share of retirees whose decisions to forgo survivor protection can be justified by its high costs or low benefits, such as the presence of other types of financial protection for the spouse, poor health of the spouse, and low income.

Description: An outlook on the health industry incorporating insights from the Getzen Model of Long-Run Medical Cost Trends

Description: Cover letter that explains the study, the expected results and the other 5 accompanying documents. The purpose of the study is to collect preferred class structure mortality to support new reserving methods based on multiple preferred and standard class mortality experience.

Description: This report presents results for industry long-term care insurance persistency.

Description: PowerPoint slides of presentation given at Gerontological Society of America.

Description: Application for travel grants to the 51st Actuarial Research Conference

Description: This project has four phases. Phase 1 develops the framework for using a portfolio approach to developing retirement income strategies, and establishes a baseline for comparing to future phases. Phases 2, 3 and 4 analyze more complex retirement income solutions than Phase 1, to determine if the additional complexity improves projected outcomes and can be justified by the potential to deliver more favorable results. Interim reports have been prepared for each phase and can be found on the SCL and SOA websites. This report integrates the findings and conclusions from the Interim Reports, to help plan sponsors and their advisors consider the various goals, RIGs, and retirement income solutions that were analyzed in all four phases. This report references the analyses from the interim reports, but does not replicate all of these analyses. The Interim Reports provide many more details on our analyses for all four phases and should be used in conjunction with this report.

Description: The report studies the impact of unemployment and underemployment on insurance business, introducing concepts, theoretical background, and patterns of both.

Description: To provide a quantitative model to identify potential business disruptors and quantify their impacts.

Description: To develop a systematic strategy to identify and predict the financial impacts on pharmaceuticals, physician fees, inpatient services, and outpatient services.