Working Paper 96: “All offices” individual Income Protection sickness experience for the 2007-2010 quadrennium

CMI Working Paper 96 was published in March 2017. The paper describes the experience of individual Income Protection policies over the period 2007 to 2010. Note: this paper is available to Authorised Users only but the executive summary is available to all.

Working Paper 96 contains a comparison of the 2007-2010 claim inceptions and terminations experience with those of previous quadrennia, using the IPM 1991-98 comparison basis. It also updates some of the analysis by cause of sickness contained in Working Paper 72

Two Excel spreadsheets are issued alongside this paper:

An updated version of the spreadsheet of “All offices” results was released on 3 April 2020. This corrected a minor error in the “Terminations – Detail” section of the version originally issued whereby exposure values were incorrectly set to 0 for males in occupation class 2 holding policies with deferred period 4 weeks. The actual and expected recoveries and deaths and A/E figures were all correct, and no other sex/occupation class/deferred period combination was affected. The summary results and the separate database of experience by cause of sickness were also unaffected.

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