Summary
The Society of Actuaries (SOA) Research Institute’s Group Disability Experience Committee (GDEC) and LIMRA have jointly conducted a study of group long-term disability claim termination experience covering calendar years 2015 through 2024. This is an update to the prior study covering calendar years 2009 through 2017. The intent of this study is to provide recent claim termination experience which can be compared to the 2008 Long-Term Disability Experience Table and the previous study. Eighteen companies contributed data to the current study, encompassing over 82% of industry sales during the study period. The current study encompasses over 43 million life-months exposed, approximately 937,000 recoveries, and over 181,000 deaths over a ten-year period.
Public Materials
2015-2024 Group Long-Term Disability Termination Experience Study Report
Standard Data Package
The Standard Data Package is available for purchase and consists of:
- Executive summary
- In-depth analysis report
- Interactive data visualization dashboards
Secure the 2026 Subscription to Experience Studies Pro
This study is included with a 2026 subscription to Experience Studies Pro. The studies included in the 2026 subscription are:
- 2015-2024 Deferred Annuity Mortality
- 2015-2024 Group Long-Term Disability Claim Termination
- 2009-2024 Post-Level Term Lapse and Mortality
- 2018-2024 Individual Life Mortality
- 2024-2025 Registered Index-Linked Annuity Policyholder Behavior
- 2020-2024 Individual Payout Annuity Mortality
Please contact StudyPro@soa.org for pricing and information on how to access a 2026 subscription to Experience Studies Pro.
Access the Standard Data Package
If you purchase the standard data package, you can access it here.
Acknowledgments
LIMRA and the SOA Research Institute would like to thank the following companies for participating in the study by supplying data.
- American Family Life Assurance Company of Columbus (AFLAC)
- American Fidelity Assurance Company
- Dearborn Life Insurance Company
- Equitable Financial Life Insurance Company
- Fullscope RMS*
- Guardian Life
- The Hartford
- Lincoln Financial
- Mutual of Omaha
- New York Life Insurance Company
- Northwestern Mutual
- OneAmerica Financial
- Principal Financial Group
- Prudential Financial
- Reliance Matrix
- The Standard
- Symetra Life Insurance Company
- Unum Insurance
*Fullscope RMS’s submission includes data on behalf of the following companies: Voya Financial, UnitedHealthcare, Kansas City Life, Companion Life, Transamerica, New York Life Insurance Company (NYLIC), American Family Life Assurance Company of Columbus (AFLAC), USAble Life, and Chubb (Combined Insurance). Any overlapping policies between Fullscope RMS and NYLIC, as well as between Fullscope RMS and AFLAC, are minimal and considered negligible.
LIMRA and the SOA Research Institute would also like to thank the SOA Group Disability Experience Committee for their diligent work developing the data request, overseeing the analysis and reviewing of the report and dashboards for accuracy and relevance.
- Kathy Davis, FSA, MAAA (Chair)
- Arber Dhamo, ASA, MAAA (Vice-Chair)
- Kelly Ayer, FSA, MAAA
- Jay Barriss, FSA, MAAA
- Maxwell Berube, FSA, MAAA
- Leo Carrier, ASA
- Thomas Corcoran, FSA, MAAA, CERA
- Adam Eggert, ASA, MAAA
- Daniel Fix, FSA, MAAA
- Frederick Flores, FSA, MAAA
- Eric Gale, FSA
- Luce Giroux, FSA, MAAA, FCIA
- Dennis Goebel, ASA, MAAA
- Thomas Hinrichs, FSA, MAAA
- Achal Kansupada, FSA, MAAA
- Patrick Keough, FSA, MAAA
- Tasha Khan, FSA, MAAA
- Richard Leavitt, ASA, MAAA, PhD
- Ryan Ouellette, FSA, MAAA
- Patrick Wallner, FSA, MAAA