How Much Surplus is Needed? An Actuary’s Perspective
In our work with alternative risk financing programs, we regularly hear the question, “How much do we need to maintain?”…
Ask the Actuary: How do Actuaries React to Internal, External, and Experience Changes?
Changes in business operations, risk management programs, and legislative and market environments affect actuarial projections…
Market Focus: Workers’ Compensation Claim Trends
A recent study by the NCCI shows that nationwide trends in worker’s compensation…
Issue 7
Healthcare Reform Update
The Affordable Care Act (ACA) is bringing profound changes to the healthcare delivery landscape…
Ask the Actuary: Discount Rates – Then & Now
Historically, the selection of a discount rate was based on a wide range of alternatives, from “risk-free” rates to actual portfolio rates of return to cost of capital targets…
Market Focus: United Educators
United Educators (UE) is a Vermont-based risk retention group insuring over 1,000 universities and other educational institutions…
EGWP: An Attractive Alternative to Retiree Prescription Drug Plan Subsidies
The Medicare Part D retiree drug subsidy (RDS) being received by many employers for their retiree prescription drug plans is taxable from 2013 onwards as a result of the Affordable Care Act (ACA)…
