Disability Income Insurance: The Private Market and the Impact of Genetic Testing

Society of Actuaries Committee on Actuarial Principles, “Principles of Actuarial Science,” Transactions of the Society of Actuaries 44 (1992): at 574.

Social Security Annual Statistical Supplement to the Social Security Bulletin, Beneficiary Statistics, February 5, 2003, and Disability Insurance Benefit Payments, updated February 12, 2003, available at <http://www.ssa.gov/policy/data_alpha.html> (last visited April 19, 2007).

Social Security Administration, “Annual Statistical Supplement, 2001, to the Social Security Bulletin,” at Table 9.B1, available at <http://www.ssa.gov/policy/docs/stacomps/supplement/200l/supp01.pdf> last visited April 19, 2007.

Soule C. E. , Disability Income Insurance: The Unique Risk (Bryn Mawr, PA: American College Publishing, 1994): at 216.

Id., at 210.

Id., at 213.

Id., at 210.

Id., at 214.

American Council of Life Insurers, Life Insurers Fact Book 2001, (Washington, D.C.: ACLI, 2001): at 137.

Beal R. W. , Individual Disability Income Insurance in the United States (Portland, ME: Milliman USA, 2002).

American Academy of Actuaries, Issue Brief: Risk Classification in Voluntary Individual Disability Income and Long-Term Care Insurance, Winter 2001, available at <http://www.actuary.org/pdf/health/issue_genetic_021601.pdf> (last visited February 15, 2007).

Actuarial Standard of Practice #12, adopted December 2005, available at <http://www.actuarialstandardsboard.org/pdf/asops/asop012_101.pdf> (last visited April 19, 2007).

See Soule , supra note 4, at 211.

See American Academy of Actuaries, supra note 11.

See Soule , supra note 4, at 215.

Id., at 213.

Id., at 57.

See Life Insurance Fact Book 2001, supra note 9, at 137; Bureau of Labor Statistics, data available at <http://www.bls.gov/bls/newsrels.htm> (last visited February 15, 2007).

See Beal , supra note 10, at 6.

Id., at 25, 27.