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

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: The report details data from a number of carriers on the percentage of LTD claimants who are receiving disability benefits from other sources that offset their LTD benefits and how this percentage is affected by various factors.

Description: The Society of Actuaries and LIMRA have sponsored a U.S. Individual Disability Income Persistency Study. The report, authored by Cathy Ho and Steve Elek, presents the results of a study of individual disability income (“IDI”) lapse experience in the United States between observation years 2000 and 2007. This is the first report in a two-part series that will present results of a study conducted jointly by LIMRA and the Society of Actuaries (SOA) and based on data provided by 12 individual disability income insurance writers.

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

Description: Report to give actuaries practical information and guidance on LTD claim credibility for case level pricing and underwriting. Stage 2 of the GLTD Credibility Study, this analysis was expanded using the industry data gathered during Stage 1.

Description: A Discussion of why female mortality is higher than male mortality at higher ages.

Description: The Individual Disability Experience Committee (IDEC) of the SOA has gathered industry data covering 2006-2015. This sessions will highlights their findings on the recent industry experience compared to the 2013 Individual Disability Income Valuation Table (2013 IDIVT), including the impact of the recession on incidence and terminations. The audience will gain an understanding of how the recent industry experience compares to the most recent valuation table. The session will cover claim incidence and claim termination Actual to Expected (A/E) using 2013 IDIVT as the expected basis. The adequacy of the modifiers will also be also be discussed.

Description: Past problems with Association Group Disability Coverage inadequate pricing, contract deficiencies, less restrictive underwriting standards, lack of risk diversification Issue No. 38

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