Mortality and Other Rate Tables

Table Information

Table Identity	1478
Provider Domain	soa.org
Provider Name	Society of Actuaries
Table Reference	Society of Actuaries Committee to Recommend New Disability Tables for Valuation, “Group Long Term Disability (GLTD) Valuation Tables”, Transactions of the Society of Actuaries Vol. 39, Society of Actuaries (1987) Table D-1. Accessed: December, 2013 from http://www.soa.org/Library/Research/Transactions-Of-Society-Of-Actuaries/1987/January/tsa87v3913.pdf
Content Type	Claim Termination
Table Name	1987 GLTD Basic Table - Male
Table Description	1987 Group Long-Term Disability (GLTD) Basic Table – Male. Minimum Age: 22 Maximum Age: 62
Comments	Study Data: The original exposure draft for a Group Long-Term Disability (GLTD) was withdrawn as part of the 1985 committee's recommendation, that resulted in the 1985 Commissioners' Individual Disability Tables A (1985 CIDA) as a more complete table to represent the early durations and a greater assurance of adequacy for the later durations at older ages was desired. The incidence rates for the first 24 months of claim duration recognize age, sex, and elimination periods of 3 months, 6 months and 12 months.These rates were determined from the 1975-80 Society data summarized in the Transactions of the Society of Actuaries (TSA) 1981 and Reports of the Society of Actuaries (RSA) 1982. The second section, years 3 through 10, was built from Society data on the exposure years 1962-1980. For years 11 and over, data based upon the ultimate termination rates of the 1985 CIDA table (See SOA Table Identities 1158-1229). Methodology: First, a Basic Table was constructed in three sections: the first 24 months of claim duration, years 3 through 10, and years 11 and over (ultimate). Data for years 3 through 10 were standardized for the effects of sex and chronological trends to project a data set to represent male experience during the period 1976-80. The third section, years 11 and over, the termination rates were essentially developed by an empirical formula based upon the review of the Society Group Waiver data, the Intercompany DisabilityWaiver of Premium Study, the Social Security Experience Study, and a study by Mutual of Omaha. Ultimate GLTD termination from disablement rates are the 1985 CIDA rates through age 50, grading to 65 percent of the 1985 CIDA rates at ages 65 and higher. The ultimate rates were reviewed separately by three major GLTD writers who suggested the modifications to more realistically fit actual experience. Termination-from-disablement rates for females are in the same ratio to male rates as they are in the 1985 CIDA table. A margin was then added to the Basic Table to obtain the proposed GLTD Valuation Table (See SOA Table Identities 1482 and 1491). The margin was introduced by decreasing the termination rates (death and recovery combined) to 90 percent of the GLTD Basic Table rates at all durations. Data Transcription Errors Detected: 03/2013. Data Corrected and Certified: 12/2013

Table Data

Table Description

1987 Group Long-Term Disability (GLTD) Basic Table – Male. Basis: 3 Month Elimination Period - Select. Minimum Age: 22 Maximum Age: 62

Nation

United States of America

Scaling Factor

Data Type

Floating Point

Table Values

Row\Column	22	27	32	37	42	47	52	57	62
4	0.1289	0.1168	0.1074	0.0966	0.0865	0.076	0.0638	0.0479	0.0268
5	0.1422	0.1291	0.1187	0.1064	0.0941	0.0815	0.0673	0.0498	0.0275
6	0.1241	0.1118	0.1024	0.0922	0.0826	0.0726	0.061	0.0461	0.0263
7	0.1043	0.0928	0.0836	0.0749	0.0666	0.0565	0.0455	0.0347	0.0228
8	0.0891	0.0784	0.0692	0.0604	0.0517	0.0426	0.0344	0.0259	0.016
9	0.0775	0.0679	0.0592	0.0512	0.0438	0.0359	0.0295	0.0204	0.0132
10	0.069	0.06	0.0523	0.0456	0.039	0.0329	0.0264	0.0185	0.0112
11	0.063	0.0548	0.0474	0.0413	0.035	0.03	0.0239	0.0168	0.0097
12	0.0578	0.0504	0.0437	0.0379	0.0317	0.0271	0.0218	0.0154	0.0085
13	0.0528	0.0461	0.0402	0.0349	0.0291	0.0247	0.02	0.0141	0.0075
14	0.0482	0.0421	0.037	0.0323	0.0269	0.023	0.0189	0.0131	0.0067
15	0.044	0.0386	0.034	0.0299	0.0252	0.0213	0.0178	0.0122	0.0063
16	0.0402	0.0356	0.0315	0.0279	0.0236	0.02	0.0168	0.0113	0.0059
17	0.0366	0.0327	0.0291	0.026	0.0223	0.0187	0.0158	0.0106	0.0055
18	0.0333	0.03	0.0268	0.0243	0.0209	0.0174	0.0148	0.0099	0.0053
19	0.0304	0.0276	0.0248	0.0227	0.0197	0.0163	0.0139	0.0094	0.005
20	0.028	0.0255	0.023	0.0212	0.0185	0.0153	0.0131	0.0089	0.0049
21	0.0256	0.0236	0.0215	0.0199	0.0173	0.0142	0.0121	0.0085	0.0048
22	0.0237	0.0218	0.0199	0.0186	0.0162	0.0133	0.0111	0.0081	0.0047
23	0.0219	0.0201	0.0183	0.0171	0.0151	0.0123	0.0104	0.0078	0.0047
24	0.0202	0.0186	0.0167	0.0157	0.014	0.0116	0.0098	0.0075	0.0048

Table Description

1987 Group Long-Term Disability (GLTD) Basic Table – Male. Basis: 6 Month Elimination Period - Select. Minimum Age: 22 Maximum Age: 62

Nation

United States of America

Scaling Factor

Data Type

Floating Point

Table Values

Row\Column	22	27	32	37	42	47	52	57	62
7	0.0653	0.0592	0.0505	0.0441	0.0397	0.0336	0.0273	0.021	0.016
8	0.0676	0.0613	0.0522	0.0457	0.0414	0.0355	0.029	0.0225	0.0152
9	0.063	0.056	0.047	0.0406	0.0363	0.0313	0.0257	0.0204	0.0132
10	0.0574	0.0509	0.0427	0.0366	0.0324	0.0286	0.023	0.0185	0.0112
11	0.0525	0.0465	0.0391	0.0332	0.029	0.0261	0.0208	0.0168	0.0097
12	0.0482	0.0428	0.0361	0.0305	0.0263	0.0235	0.0189	0.0154	0.0085
13	0.0441	0.039	0.0333	0.0281	0.0238	0.0212	0.0172	0.0141	0.0075
14	0.0404	0.0355	0.0307	0.026	0.0218	0.0193	0.0159	0.0131	0.0067
15	0.0371	0.0323	0.0284	0.0241	0.0202	0.0177	0.0148	0.0122	0.0063
16	0.0341	0.0293	0.0262	0.0225	0.0189	0.0166	0.0139	0.0113	0.0059
17	0.0313	0.0268	0.0242	0.0212	0.0178	0.0155	0.0131	0.0106	0.0055
18	0.0289	0.0246	0.0224	0.02	0.0169	0.0146	0.0124	0.0099	0.0053
19	0.0268	0.0227	0.0208	0.0189	0.0161	0.0138	0.0117	0.0094	0.005
20	0.0249	0.0214	0.0194	0.0179	0.0154	0.0131	0.0111	0.0089	0.0049
21	0.0231	0.0201	0.0182	0.017	0.0147	0.0125	0.0106	0.0085	0.0048
22	0.0218	0.0192	0.0171	0.0162	0.0141	0.0121	0.0101	0.0081	0.0047
23	0.0208	0.0187	0.0163	0.0155	0.0136	0.0116	0.0098	0.0078	0.0047
24	0.0202	0.0184	0.0157	0.0149	0.0133	0.0113	0.0095	0.0075	0.0048

Table Description

1987 Group Long-Term Disability (GLTD) Basic Table – Male. Basis: 12 Month Elimination Period - Select. Minimum Age: 22 Maximum Age: 62

Nation

United States of America

Scaling Factor

Data Type

Floating Point

Table Values

Row\Column	22	27	32	37	42	47	52	57	62
13	0.0215	0.0174	0.0148	0.0135	0.0129	0.0126	0.012	0.0107	0.0083
14	0.0276	0.0237	0.0202	0.0182	0.0162	0.0153	0.014	0.0118	0.0081
15	0.0281	0.0244	0.0209	0.0195	0.0172	0.0162	0.0144	0.0117	0.0078
16	0.0275	0.0235	0.0203	0.0193	0.0169	0.0158	0.0139	0.0109	0.007
17	0.0264	0.0224	0.0197	0.0185	0.0166	0.0151	0.0132	0.01	0.0057
18	0.0253	0.0215	0.0193	0.0181	0.0163	0.0146	0.0119	0.0085	0.005
19	0.0246	0.0209	0.0189	0.0177	0.0159	0.0138	0.0108	0.0073	0.0046
20	0.024	0.0205	0.0186	0.0174	0.0154	0.0131	0.0101	0.0067	0.0042
21	0.0231	0.0199	0.0181	0.0169	0.0148	0.0126	0.0098	0.0066	0.0041
22	0.0215	0.0191	0.0171	0.0158	0.0141	0.0122	0.0096	0.0066	0.004
23	0.0204	0.0182	0.0163	0.015	0.0136	0.0118	0.0095	0.0067	0.004
24	0.0196	0.0176	0.0155	0.0144	0.0132	0.0116	0.0096	0.0068	0.0042

Table Description

1987 Group Long-Term Disability (GLTD) Basic Table – Male. Basis: All Elimination Periods - Ultimate. Minimum Age: 22 Maximum Age: 62

Nation

United States of America

Scaling Factor

Data Type

Floating Point

Table Values

Row\Column	22	27	32	37	42	47	52	57	62
3	0.196	0.1814	0.1628	0.1419	0.1213	0.1024	0.0857	0.0707	0.0552
4	0.137	0.1193	0.0999	0.0816	0.0673	0.0581	0.0537	0.0523	0.0505
5	0.1059	0.0938	0.0784	0.0635	0.0529	0.0482	0.0485	0.0505	0.0488
6	0.0796	0.073	0.0627	0.0525	0.0458	0.0427	0.0437	0.0465	0.0458
7	0.0601	0.0564	0.0509	0.0456	0.0427	0.0402	0.0405	0.0434	0.0456
8	0.0454	0.044	0.0418	0.0402	0.0405	0.039	0.0394	0.0433	0.0484
9	0.0342	0.0352	0.0353	0.036	0.0386	0.0381	0.0388	0.0446	0.0528
10	0.0273	0.0285	0.0303	0.0326	0.0364	0.0369	0.0373	0.0449	0.0572
11	0.0242	0.0254	0.0275	0.0306	0.035	0.0366	0.0386	0.0489	0.0683
12	0.0244	0.0258	0.028	0.0315	0.0355	0.0369	0.0397	0.0521	0.0733
13	0.0246	0.0261	0.0286	0.0324	0.0357	0.0374	0.0414	0.0557	0.0787
14	0.0249	0.0265	0.0292	0.0334	0.036	0.0377	0.0432	0.0595	0.0846
15	0.0251	0.027	0.0299	0.0342	0.0363	0.0382	0.046	0.0641	0.0909
16	0.0254	0.0275	0.0306	0.035	0.0366	0.0386	0.0489	0.0683	0.0978
17	0.0258	0.028	0.0315	0.0355	0.0369	0.0397	0.0521	0.0733	0.1052
18	0.0261	0.0286	0.0324	0.0357	0.0374	0.0414	0.0557	0.0787	0.1133
19	0.0266	0.0292	0.0334	0.036	0.0377	0.0432	0.0595	0.0846	0.1221
20	0.027	0.0299	0.0342	0.0363	0.0382	0.046	0.0641	0.0909	0.1314
21	0.0274	0.0306	0.035	0.0366	0.0386	0.0489	0.0683	0.0978	0.1416
22	0.028	0.0315	0.0355	0.0369	0.0397	0.0521	0.0733	0.1052	0.1524
23	0.0286	0.0324	0.0357	0.0374	0.0414	0.0557	0.0787	0.1133	0.1641
24	0.0292	0.0334	0.036	0.0377	0.0432	0.0595	0.0846	0.1221	0.1766
25	0.0299	0.0342	0.0363	0.0382	0.046	0.0641	0.0909	0.1314	0.1899
26	0.0306	0.035	0.0366	0.0386	0.0489	0.0683	0.0978	0.1416	0.2041
27	0.0316	0.0355	0.0369	0.0397	0.0521	0.0733	0.1052	0.1524	0.2192
28	0.0324	0.0357	0.0374	0.0414	0.0557	0.0787	0.1133	0.1641	0.2352
29	0.0334	0.036	0.0377	0.0432	0.0595	0.0846	0.1221	0.1766	0.252
30	0.0342	0.0363	0.0382	0.046	0.0641	0.0909	0.1314	0.1899	0.2697
31	0.035	0.0366	0.0386	0.0489	0.0683	0.0978	0.1416	0.2041	0.2883
32	0.0356	0.0369	0.0397	0.0521	0.0733	0.1052	0.1524	0.2192	0.3076
33	0.0357	0.0374	0.0414	0.0557	0.0787	0.1133	0.1641	0.2352	0.3277
34	0.036	0.0377	0.0432	0.0595	0.0846	0.1221	0.1766	0.252	0.3484
35	0.0363	0.0382	0.046	0.0641	0.0909	0.1314	0.1899	0.2697	0.3696
36	0.0366	0.0386	0.0489	0.0683	0.0978	0.1416	0.2041	0.2883	0.3913
37	0.0369	0.0397	0.0521	0.0733	0.1052	0.1524	0.2192	0.3076	0.4132
38	0.0374	0.0414	0.0557	0.0787	0.1133	0.1641	0.2352	0.3277	0.4352
39	0.0377	0.0432	0.0595
40	0.0382	0.046
41	0.0386	0.0489
42	0.0397	0.0521
43	0.0414	0.0557
44	0.0432	0.0595
45	0.046
46	0.0489
47	0.0521
48	0.0557
49	0.0596