Description: Panel session exploring a variety of issues connected to long-term disability reserve buyouts, including: · Advantages and risks for buyers and sellers · Use of appropriate reserving assumptions · Possible financial structures for a buyout

Description: This session from the 1984 SOA Toronto Meeting discusses unisex cost/non-smoker discounts, contingent benefits, indexed benefits, partial loss, guaranteed insurability, valuation standards and claim reserve estimation. From Record of the Society of Actuaries Vol. 10, No. 4A

Description: This presentation is a panel discussion from the 1991 Meeting of the Society of Actuaries, held June 3-5 in Colorado Springs. The panelists will present the results of an intercompany study of disability income reserve practices, dealing with issues such as reserve bases, reserve margins for active and disabled lives, reserve adequacy testing, valuation of riders such as cost of living adjustment, ‘COLA,’ residual, and social insurance, and tax reserves. Discussion from participants is included. From the Record of Society of Actuaries, Volume 17, No. 3A.

Description: This session from the 1992 Valuation Actuary Symposium explores claim reserves, including reserves for stop-loss products, claims reserves for group disability insurance products LTD, and claim reserves for shorter term claim payouts primarily major medical type products and Medicare supplement type products. It also covers Actuarial Standard of Practice 5 dealing with incurred health claim liabilitities.

Description: Data on morbidity, loss ratios, actual-to-expected continuance rates, and lapse rates for disability insurance, and discussion of the implications with respect to legislation, product design, pricing, underwriting, and marketing. This presentation was made at the 1975 SOA Los Angeles Spring Meeting.

Description: Panelists discuss a variety of issues related to overinsurance of disability income [DI] insurance. There is a general introduction to the topic, followed by a more specific discussion of issues such as policy provisions, underwriting considerations, and claims management. From the 2002 Record of Society of Actuaries, Volume 28, No. 2. Session 72PD of the San Francisco Spring Meeting.

Description: This presentation, session number 40OF, took place at the 1999 Spring Meeting of the Society of Actuaries, held June 16-18 in Seattle. The panelists discuss the different available types of individual disability reinsurance, including excess coverage, quota share, stop loss, finite reinsurance, and financial reinsurance. From the Record of the Society of Actuaries, Vol. 25, No. 2.

Description: This paper looks at how smaller companies are expanding their operations in the disability income, accident and sickness field, what the problems and the expectations of satisfactory financial results are and how the Society can assist members in the constructive development of this business. A discussion of waiver of premium riders on life insurance policies was also discussed.