A significant number of long-term disability (LYD) claims accepted by insurers remain active for substantial time periods and are associated with considerable socioeconomic costs. There is inconsistency in the literature as to what factors predict recovery in these patients. Using the adminisatrative database of SSQ Financial, I will identify all factors that are predictive of claim resolution for all disability conditions.

A significant number of long-term disability (LYD) claims accepted by insurers remain active for substantial time periods and are associated with considerable socioeconomic costs. There is inconsistency in the literature as to what factors predict recovery in these patients. Using the adminisatrative database of SSQ Financial, I will identify all factors that are predictive of claim resolution for all disability conditions.

The International Association of Insurance Supervisors, of which Canada is a member, has recently introduced the notions of Enterprise Risk Management (ERM) and Own Risk and Solvency Assessment (ORSA), as two key components of its regulatory reform. Loosely speaking, the ERM identifies, measures and monitors insurer risks while the ORSA manages them.