Current Issue 2Q08 Working from Home: An Interview with Paul Taylor, Vice President – MetLife Disability Claim Operations LTD – Let Insurance Companies Insure by Kristyn Skibisky Develop Claimant-Specific Disabled Life Reserves with Predictive Modeling by Barry Senensky Second Quarter Research Updates by Ray Ayotte and Kathy Thiesen, RN Upcoming Disability Insurance Meetings

Disability Forum is a quarterly publication for disability insurance professionals. For your convenience, articles in this index are organized by discipline: Actuarial Insight articles Claims Insight articles Underwriting Insight articles Other articles Browse the issues below. You will need the free Adobe® Acrobat® Reader®. Index of articles from 1994 to 2001. Contact Ray Ayotte for copies of previous articles.

Actuarial Insight Develop Claimant-Specific Disabled Life Reserves with Predictive Modeling by Barry Senensky (2Q2008) Group STD: If it’s So Easy, Where Are All the Profits? by Jeff Schuh (1Q2008) Reserves for Experience Rating: To Adjust or Not Adjust? by Barry Allen, FSA, MAAA, CLU (4Q2007) Disability Lessons from Across the Pond by Sue Elliott (3Q2007) What’s on Your Dashboard? by Jeff Schuh (2Q2007) LTD with STD: Consider This… by Barry T. Allen, FSA, MAAA, CLU (1Q2007) The Case for a Stochastic LTD Model by Peter Douglas (4Q2006) The New Group Life Disability Table is Here! The New Group Life Disability Table is Here! by Jeff Schuh (3Q2006) Reserves & Hats: One Size Fits All, Right? by Jeff Schuh (2Q2006) LTD Valuation Corner – Re-Open Reserves by Tim Meyer (1Q2006) Minding your P and Q’s (Canada and Quebec Pension Plan Disability Benefit) by Denis Garand, FSA, FCIA (4Q2005) LTD Credibility – Reconciling Theory and Market Practices by Warren Cohen (3Q2005) Voluntary LTD by Barry Petruzzi (2Q2005) Leveraging Revisited by Jeff Schuh (1Q2005) Inflation and Aging: Are You Pricing for the Future? by Jeff Schuh (4Q2004) LTD Claims Tool Optimizes Resource Allocation by Barry Senensky (3Q2004) Correlation of Assumptions Used in LTD Disabled Life Reserves by Tim Meyer (2Q2004) Using an Asset Share Model to Analyze LTD Reserve Margin by Barb Klever, FSA, MAAA (1Q2004) LTD Valuation Social Security Approval Rates Prospective Versus Retrospective by Tim Meyer (4Q2003) Finally, a Canadian disability incidence table by Ken Fraser and Denis Garand (3Q2003) Management Reserves for LTD Open Claims by Roger Desveaux, ASA, CFA (2Q2003) Worksite Disability – What Have We Learned So Far? by Jeff Schuh, FSA, MAAA (1Q2003) Reserve Buyouts: Profits and Pitfalls by Jeff Schuh, FSA, MAAA (4Q2002) Early Intervention – Where Are All the Savings? by Jeff Schuh, FSA, MAAA (3Q2002) Potential Reserving Pitfalls (2Q 2002) Update on Actuarial Trends (1Q 2002) Disability Insurance in the Wake of the September 11 Attacks by John Have (4Q 2001) The Changing Role of a Disability Actuary in a Competitive Market (3Q 2001) Pooling Increases Credibility (2Q 2001) Credit Disability Reserves and Recession by Steve Ostlund (1Q 2001) Developing a Successful STD/LTD Package Discount Program by Andre C. Baillargeon, PSA (3Q 2000)

Claims Insight Working from Home: An Interview with Paul Taylor, Vice President – MetLife Disability Claim Operations (2Q2008) Think proactively not reactively – Proactive Case Management by Mark Taylor (1Q2008) Using Structured Settlements to Resolve LTD Claims by William Bergs(4Q2007) Studies in Human Behavior – The Field Visit in Group LTD by Amy Foggin (3Q2007) A Legal Perspective on Complex Disability-Based Claims by William D. Hittler and Kevin M. Lindsey (2Q2007) Bipolar Disorder: Misdiagnosed, Misunderstood by Kate Harri, MA (1Q2007) Passion in the Workplace – How Commitment and Communication Lead to Return to Work by Sue Favilla (4Q2006) A Matter of Life and Work – Cancer and LTD by Mark Taylor (3Q2006) Change of Definition Investigations Are Like Holiday Shopping – Why Wait Until the Last Minute? By Sean Rutherford (2Q2006) Canada vs. U.S. Disability Management – Compare and Discuss by Mark Taylor (1Q2006) Refreshing Writing: High-Impact Approval Letters by Joseph Moses, PhD (4Q2005) Reducing the Duration of Chronic Pain, Fibromayalgia and Chronic Fatigue Disability Claims by Richard G. Marlin, Ph.D. (3Q2005) TSA – Transferable Statistical Analysis by Mark Taylor (2Q2005) Financial Case Mangement – Managing Long-Term Disability Claims by the Numbers by Ernest Patrick Smith CPA, CFE and John K. Hoffman, CPA (1Q2005) Transferable Skill Analysis in LTD claims by Joseph Cannelongo, MS, CRC, LPC (4Q2004) The Disability Triangle By Sue Favilla (3Q2004) Fibromyalgia by Scott M. Yarosh, MD, introduction by Taren Weyer (2Q2004) 2003’s 10 Most Needed Process Improvements by Mark Taylor (1Q2004) A Case Manager Conundrum by Sue Favilla (4Q2003) Performance Management Initiative by Ray Ayotte and Mark Taylor (3Q2003) The Minneapolis Patient by Mike Crouchet (2Q2003) Case Study: The Standard envisions the future through re-engineering by Jackie Willingham, FLMI (1Q2003) Portfolio Management Focuses Claims Resources More Effectively by Annette Gibbs (4Q2002) Fibromyalgia and Disability by Dr. Miles Belgrade (3Q2002) Exploring Web-Based Management System Potential by Ron Lang (2Q 2002) Objective Medical Evidence by Sue Favilla, CDMS (1Q 2002) Reactions to Trauma: Appropriate Treatment Fosters Return to Normal Function by Tim Lang, PsyD and Mark Raderstorf, M.A. (4Q 2001) O*NET — The Occupational Information Network by Kathy McCarthy, M. Ed., CPDM (3Q 2001) Can the Claim Examiner be the Sole Owner of the Claim? by Mark Taylor, MS, CDMS, CCM (2Q 2001) Benefits of Establishing a Dedicated Psych Unit by Mark Raderstorf, MA, CRC, LP (1Q 2001) The Role of the Medical Director in Disability Claim Operations by Ronald S. Leopold (4Q 2000) Identifying, Evaluating and Embracing “Best Practices” by Mark Taylor (3Q 2000)

Underwriting Insight LTD – Let Insurance Companies Insure by Kristyn Skibisky (2Q2008) Deal or No Deal by Jon Becker (1Q2008) Recap of the November 2007 Group Underwriters Association of America Meeting by Tina Testa (4Q2007) Reinsurance Facultative Underwriting – What was I thinking? by Curt Zepeda (3Q2007) Looking to Become a Small Group Underwriter? by Judy Buczek (2Q2007) Just What the Doctor Ordered (Physician LTD plans) by Curt Zepeda (1Q2007) Disability Underwriting Beyond the Numbers by Troy Haugen (4Q2006) What Your LTD Manual Rates Won’t Tell You by Donald Canfield (3Q2006) Moving From “Can’t” to “Capture” Debunking the Top Four Myths Blocking Census by Maureen Riley (2Q2006) Non evidence Maximums and Overall Maximums – On the Rise in the Canadian Market by Curt Zepeda (1Q2006) Renewal Underwriting: The Power of Working with LTD Benefits Analysts by Jim Ojala (4Q2005) Would You Like a Manual Rate With That Quote? by Don Russell (3Q2005) Follow The Leader by Curt Zepeda (2Q2005) An Individual’s Disabled Life Reserve – E. Pluribus Unum by Curt Zepeda and Tim Meyer (1Q2005) The Mystery behind Disabled Life Reserves By Curt Zepeda and Tim Meyer (4Q2004) Is That Claim Truly Shocking? by Curt Zepeda and Tim Meyer (3Q2004) Underwriting Audits – Good or Evil? By Curt Zepeda (2Q2004) High Noon for the Top 3 Test? Executive compensation distorts risk analysis by Mike Landau (1Q2004) United States vs. Canada LTD Marketplace Differences – Fact or Myth by Bob Mills (4Q2003) Financial Underwriting… for Underwriters by Mike Landau (3Q2003) A Closer Look at Core/Buy-up Plans - Part 2 by David Calabrese (2Q2003) A Closer Look at Core/Buy-up Plans - Part 1 by David Calabrese (1Q2003) Portfolio Management – Impact on Group Underwriting by Andrew Cook (4Q2002) A Discussion on STD at the June 2002 GUAA Meeting by Curt Zepeda (3Q2002) Do We Know What’s Ahead for LTD by John Kelleher (1Q 2002) Underwriting “Nine-Eleven” by Gerald Bannach (4Q 2001) Financial Underwriting: How is Your Portfolio? by Adam W. Leighton (3Q 2001) Credibility — Believe It or Not by John Kelleher (2Q 2001) Dual-wage Earners: More Than Meets the Underwriter’s Eye by Curtis Zepeda and Gerald Bannach (1Q 2001) “Dollars & Census” by John Kelleher and Roxanne Bergland (4Q 2000) Underwriting the Many Faces of Voluntary LTD by Gerald Bannach (3Q 2000)

Other Second Quarter Research Updates by Ray Ayotte and Kathy Thiesen, RN (2Q2008) First Quarter Research Updates by Ray Ayotte and Kathy Thiesen, RN (1Q2008) Fourth Quarter Research Updates by Ray Ayotte and Kathy Thiesen, RN (4Q2007) Third Quarter Research Updates by Ray Ayotte and Kathy Thiesen, RN (3Q2007) Second Quarter Research Updates by Ray Ayotte and Kathy Thiesen, RN (2Q2007) First Quarter Research Updates by Ray Ayotte and Kathy Thiesen, RN (1Q2007) Fourth Quarter Research Update by Ray Ayotte and Kathy Thiesen, RN (4Q2006) Third Quarter Research Update by Ray Ayotte and Kathy Thiesen, RN (3Q2006) Disability Claims Adjudicator Training and Outcomes by Ray Ayotte and Kathy Thiesen, RN (2Q2006) STD/LTD Underwriting Practices for Unique Groups and Professionals by Ray Ayotte and Kathy Thiesen, RN (1Q2006) Research Update – 4th Quarter 2005 by Ray Ayotte and Kathy Thiesen, RN (4Q2005) Research Update – 3rd Quarter 2005 by Ray Ayotte and Kathy Thiesen, RN (3Q2005) Group Disability Claims Management Benchmarks (2005) by Ray Ayotte and Kathy Thiesen, RN (2Q2005) Research Update by Ray Ayotte (1Q2005) Research Update by Ray Ayotte (3Q2004) Research Update by Ray Ayotte (2Q2004) Research Update by Ray Ayotte (1Q2004) Research Update The Impact of IDM on Administrative and Risk Retention in Disability Insurance by Gary T. Anderberg, PhD (4Q2003) Research Update by Ray Ayotte (4Q2003) Industry Surveys by Ray Ayotte (2Q2003) Disability Forum Reader Survey Results by Ray Ayotte (1Q2003) Research Update by Ray Ayotte (4Q2002) Research Update by Ray Ayotte (3Q2002) Client-Driven Market Research Services Update by Ray Ayotte (2Q 2002) Research Report: Terrorism and Disability Insurance — Looking Ahead by Ray Ayotte (4Q 2001)