New York Disability Benefits Law Insurance Experience 1951-1954

In my 1950 paper on D.B.L. Insurance, I outlined the D.B.L. coverage, as also the assumptions made in developing rates. Since that time there have been a number of changes in the Law and regulations, and we also have the actual experience available for the past four years. The main purpose of this paper is to make available a tabulation of the actual experience as reported to the New York Insurance Department, 2 to compare the original assumptions made at the time the rates were developed with the actual experience on this type of insurance, and to report other developments in this field.