Description: Through the sponsorship of the Robert Wood Johnson Foundation, The Society of Actuaries partnered with Wakely to use their health care data to study the effects of COVID-19 on overall health care claims for individuals with a COVID-19 diagnosis. The conclusion of the study is that individuals with COVID-19 claims had significant increases in health care costs leading up to their months of diagnosis, as well as in the months following their diagnosis. These effects were more pronounced for individuals who were hospitalized due to COVID-19 as well as for individuals with prior co-morbidities. Finally, the overall health care costs of these members plateaued at significantly higher levels than their pre-COVID baselines. In fact, all the main membership cohorts experienced claim levels that were at least 20% higher than their pre-COVID starting points.

Description: This is the abstract for the paper, The Cost and Benefits of Treating Type 2 Diabetes Mellitus as a Chronic Condition by Robert D. Lieberthal.

Description: Disease management DM is increasingly encountered in health plans and employer groups as a health care intervention targeted to individuals with chronic diseases chronics. The untested assumption is that without DM, the chronic and non-chronic trends are identical. From Financing Chronic Care Monograph, M-HB05-1.

Description: This paper defines health expectancy as that part of life expectancy where the person is expected to be healthy. It also breaks down the remainder of life expectancy into two unhealthy categories, one where assisted living will be necessary, and one where a skilled nursing facility will be necessary. These expectations are calculated for many combinations of age, other demographic characteristics, and current health issues.

Description: Adjusting the 1985 NAIC Cancer Claim Cost Tables, a collection of morbidity tables, for Inflation and benefit changes Issue No. 34.

Description: This is the 2004 credit disability study report compiled by the Credit Insurance Experience Committee of the Society of Actuaries in July, 2005. The study was undertaken to update the basis for unearned premium reserves for single premium credit disability insurance.

Description: The 2013 Individual Disability Income Valuation Table (2013 IDIVT) approved by the NAIC as the new statutory minimum reserve morbidity basis.

Description: Report of the Task Force to Recommend Morbidity Standards for Valuation of Credit Disability. The key recommendation was that a new morbidity standard for valuation of policy reserves be adopted based on the tables developed by the Task Force. The tables are developed from the 85CIDA tables with incidence rates increased by 12%.

Description: This paper reviews available evidence about the compression of morbidity and the disability decline and discusses the context in which they occur: initial level of disability, initial value of life expectancy and trend in life expectancy.

Description: Data request for Group Term Life Mortality Study for years 2007-2009.