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Responses To Questions For Home Health Line, 2/26/1993, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

Responses to Questions for Home Health Line from February 26th, 1993.

Area Seniors Learn How To Fight Medicare Fraud With Attachments: Blue Cross/Blue Shield Of Florida Healthy Lifestyles Expo, 2/23/1993, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

A news release from BCBSF about area seniors learn how to fight medicare fraud from February 23rd, 1993.

Bcbsf Statement On The Dme Contract, 2/19/1993, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

A news release from BCBSF about the DME Contract from February 19th, 1993.

Bcbsf And Nccj Sponsor Community Leadership Breakfast On Conflict Resolution, 2/12/1993, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

A news release from BCBSF about BCBSF and NCCJ Sponsor Community Leadership Breakfast on Conflict Resolution from February 12th, 1993 with attachments Fact Sheet: BCBSF Sponsors Community and Biography: Herb Walters.

Profile Vol: 42 No: 2 February 12, 1993, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

February 12, 1993 employee newsletter published by the Public Relations Department to educate, inform and recognize the employees of Blue Cross and Blue Shield of Florida.

Bcbsf Statement On Genetic Testing, 2/10/1993, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

A news release from BCBSF about genectic testing from February 10th, 1993.

Bcbsf And Nccj Sponsor Community Leadership Breakfast On Conflict Resolution, 2/9/1993, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

A news release from BCBSF about a BCBSF and NCCJ sponsor community leadership breakfast on Conflict resolution from February 9th, 1993.

Lake Mary Resident Promoted To Sales Manager With Bcbsf, 2/2/1993, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

A news release from BCBSF about a Lake Mary Resident being promoted to sales manager with BCBSF from February 2nd, 1993.

Profile Vol: 42 No: 1 January 29, 1993, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

January 29, 1993 employee newsletter published by the Public Relations Department to educate, inform and recognize the employees of Blue Cross and Blue Shield of Florida.

Miami Clinic Owner Sentenced, 1/26/1993, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

A news release from BCBSF about a Miami Clinic Owner Sentenced from January 26th, 1993.

Blue Cross And Blue Shield Of Florida Statement On The U.S. Senate Hearing On Blue Cross And Blue Shield Of The National Capital Area, 1/25/1993, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

A news release from BCBSF about the U.S. Senate hearing on Blue Cross and Blue Shield of the National Capital Area from January 25th, 1993.

Bcbsf To Donate Cpr Mannequins To Gateway Girl Scout Council, 1/21/1993, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

A news release from BCBSF about donating CPR mannequins to Gateway Girl Scout Council from January 21st, 1993.

Bcbsf To Kick Off “Week Of The Working Parent” By Sponsoring Children’S Variety Show This Sunday, 1/15/1993, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

A news release from BCBSF about sponsoring children's variety show this Sunday from January 15th, 1993.

Bcbsf Statement On The Interim Florida Health Plan, 1/4/1993, Blue Cross And Blue Shield Of Florida, Inc.

Florida Blue Archives Printed Materials

A news release from BCBSF about the Interim Florida Health Plan from January 4th, 1993.

Journal Of Actuarial Practice, Volume 1, No. 2, 1993, Colin Ramsay , Editor

Journal of Actuarial Practice (1993–2006)

ARTICLES

Ethical Issues, Helps, and Challenges: Perceptions of U.S. Actuaries • Therese M. Vaughan, Robert W. Cooper, and Garry L. Frank

Managing the Relative Volumes of Participating and Nonparticipating Business in a Mutual Life Company • Robert G. Chadburn

A Critique of Defined Contribution Plans Using a Simulation Approach • David M. Knox

Discussion • Michael Sze & David M. Knox's Reply

The Definition of Insurance: Implications for a Health Insurance Demand Model • Mark J. Browne

Discussion • Charles S. Fuhrer & Mark J. Browne's Reply

On the Equivalence of the Loss Ratio and Pure Premium Methods of Determining …

Discussion Of David Knox's "A Critique Of Defined Contribution Plans Using A Simulation Approach", Michael Sze

Journal of Actuarial Practice (1993–2006)

No abstract provided.

Funding Methods And Pension Plan Amendments, Keith P. Sharp

Journal of Actuarial Practice (1993–2006)

This paper considers the treatment of plan amendments under the individual entry age normal and projected unit credit methods. Alternative treatments are considered, and comments are made about their acceptability.

The Small Plan Audit Program: The Opinions Of The Court, Arnold F. Shapiro

Journal of Actuarial Practice (1993–2006)

One of the most important issues of recent years from the perspective of many pension actuaries is the IRS's small plan audit program. The program initially was expected to raise two-thirds of a billion dollars by targeting well-funded defined benefit plans with five or fewer participants. The focus of the audit was the assumed interest rate and the normal retirement age, both of which the IRS generally regarded as too low. While the focus of the audit was relatively narrow, the issue it raised was a funda mental one. The basic question was the extent to which the IRS could …

Global Social Security: How The Rules Are Changing In Certain Countries, Robert J. Myers

Journal of Actuarial Practice (1993–2006)

Social security programs (i.e., national pension systems) differ widely between countries. This is only natural, and desirable, because of varying social and economic conditions and philosophies. This paper discusses some of the general worldwide trends, such as the equal treatment of men and women, increases in the normal retirement age, projection of future costs, and the different philosophies of social security. Some of the interesting and unique changes recently made in selected countries-Canada, Chile, Eastern European countries, Germany, Japan, People's Republic of China, Saudi Arabia, Union of Soviet Socialist Republics, United Kingdom, and United States-are described.

A Critique Of Defined Contribution Plans Using A Simulation Approach, David M. Knox

Journal of Actuarial Practice (1993–2006)

During the 1980s there was a trend in many countries away from defined benefit plans toward defined contribution plans. This development means that the individual member bears the full investment risk in the preretirement period and the annuity rate risk at retirement, as no pension benefit (expressed as a percentage of salary) is provided. This paper, through the use of a stochastic model for both inflation and a range of investment returns, analyses the distribution of retirement incomes that will be produced from a defined contribution plan. The impacts of changing entry and exit ages, different investment strategies, alternative career …

Discussion Of Mark J. Browne's "The Definition Of Insurance: Implications For A Health Insurance Demand Model", Charles Fuhrer

Journal of Actuarial Practice (1993–2006)

No abstract provided.

Estimating The Effect Of Statutory Changes On Insured Casualty Losses Using Generalized Indicator Variables, Ruy A. Cardoso

Journal of Actuarial Practice (1993–2006)

Techniques for estimating future insured losses in casualty insurance typically assume consistency in the insurance environment over time. Statutory changes, however, can create sharp discontinuities in the loss-generating process, complicating the estimation of those losses. Using indicator variables and dummy variables allows for quantification of the effect of such discontinuities. Three examples from private passenger automobile insurance are presented to illustrate how these variables can be used.

The Definition Of Insurance: Implications For A Health Insurance Demand Model, Mark J. Browne

Journal of Actuarial Practice (1993–2006)

This paper uses data from the 1977-78 National Medical Care Expenditures Survey to evaluate five different measures of insurance: a family's expected out-of-pocket payment for medical care, the expected value of the indemnity (fee-for-service) benefits from an insurance policy for a family, the percentage of the expected loss that the insured pays, the policy premium, and the policy limit of coverage. The study provides information that can help us understand whose insurance coverage will change significantly as a result of health care reform. For example, it shows that those with low income (such as minorities, families headed by females, and …

On The Equivalence Of The Loss Ratio And Pure Premium Methods Of Determining Property And Casualty Rating Relativities, Robert L. Brown

Journal of Actuarial Practice (1993–2006)

There are two distinct stages in the property and casualty ratemaking process. First, there is the portfolio average rate change. Second, there is the adjustment of classification relativities. It is well known that the loss ratio and pure premium (also called the loss cost) methods are algebraically equivalent in the stage called the portfolio average rate change. This paper reviews the proof of this equivalence. Further, it is proved algebraically that the loss ratio and pure premium methods are also equivalent in calculating classification relativities (or differentials) if certain data requirements can be met. A short numerical example of this …

The Process Of Pension Forecasting, Michael Sze

Journal of Actuarial Practice (1993–2006)

This paper explains the process of pension forecasting. It discusses the common purposes and uses of pension forecasts, the major steps involved, and the principal limitations of these forecasts. Some insights into each stage of the forecasting process are provided. Among the stages discussed are: the background research to be performed; the selection of scenario assumptions; shortcuts used in the actual performance of the forecast; review of the forecast results; and communication of the forecast findings.

Discussion Of Patrick Butler's "Cost-Based Pricing Of Individual Automobile Risk Transfer: Car-Mile Exposure Unit Analysis", Ruy A. Cardoso

Journal of Actuarial Practice (1993–2006)

No abstract provided.

Book Reviews, Hoque A. Sharif

Journal of Actuarial Practice (1993–2006)

No abstract provided.

A New Approach To Modeling Excess Mortality, Peter D. England, Steven Haberman

Journal of Actuarial Practice (1993–2006)

This paper describes a complete framework for the statistical modeling of excess mortality, with particular reference to the experience of insured, impaired lives. The principal measure of excess mortality considered is the standardized mortality ratio. The modeling approach, based on the theory of generalized linear models, allows us to build models containing several explanatory variables. The statistical significance of these variables can be tested, and the effect of interactions between the variables can be assessed rigorously. The paper uses data drawn from the extensive, continuing investigation into the mortality of insured, impaired lives conducted by the Prudential Assurance Company (UK). …

Group Insurance, Charles Fuhrer

Journal of Actuarial Practice (1993–2006)

No abstract provided.

On Becoming A Cost Effective Company, Robert D. Shapiro, Barton H. Clennon

Journal of Actuarial Practice (1993–2006)

The 1990s financial services environment requires each life company to identify its distinct capabilities and competitive strengths and to build its future direction from these features. This demands a fundamental rethinking of traditional approaches to planning, organization, and financial management.