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CMI Working Paper 124

Working Paper 124: “All offices” individual Income Protection sickness experience for 2011-2016.

Important note: “All offices” claim inceptions experience for 2011-2016

We have identified issues with some of the data underlying the “All offices” claim inceptions experience for 2011-2016, leading to an overstatement of inceptions exposure and therefore an understatement of claim inceptions experience. More information is provided in CMI Working Paper 149. Terminations experience is unaffected.

All CMI subscribers were contacted to notify them of this issue.

CMI Working Paper 124

CMI Working Paper 124 was originally published in September 2019. Updated versions of Working Paper 124 and the accompanying spreadsheets were released in March and April 2021 to note the discovery of an underlying data issue and signpost users to more information.

The paper also contains a comparison of the 2011-2016 claim inceptions and terminations experience with those of previous quadrennia, using the IPM 1991-98 comparison basis.

A series of spreadsheets are available alongside this paper.

“All offices” results compared with IPM 1991-98:

“All offices” results compared with IP06 (claim inceptions only):

Note: the working paper and accompanying spreadsheets are available to Authorised Users only.

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