Close Close
Popular Financial Topics Discover relevant content from across the suite of ALM legal publications From the Industry More content from ThinkAdvisor and select sponsors Investment Advisor Issue Gallery Read digital editions of Investment Advisor Magazine Tax Facts Get clear, current, and reliable answers to pressing tax questions
Luminaries Awards

Life Health > Health Insurance > Life Insurance Strategies

Pregnancy Causes Bigger Share Of LTD Claims

Your article was successfully shared with the contacts you provided.

Disability insurers may be getting slightly fewer long-lasting claims for bad backs and somewhat more for conditions related to childbearing.

Researchers at Unum, Chattanooga, Tenn., have published statistics hinting at that conclusion in an analysis based on 2006 data for 178,000 employer policyholders and 27 million covered employees.

Cancer remained the leading cause of long term disability claims, accounting for about 12% of LTD claims, Unum researchers report.

The share of LTD claims resulting from back injuries fell to 8%, from 9% in 2005, but the share resulting from pregnancy increased to almost 12%, from 10%.

Short-term disability claim figures for normal pregnancy were mixed. The share of STD claims resulting from normal pregnancy was up from 18% in 2005 but down from 21% in 2004.

In a related analysis, Unum researchers have found a 96% increase in return to work for breast cancer claimants on short-term disability, and a 14% increase for claimants on long term disability.

Similarly, the researchers have found a 72% increase in return to work for prostate cancer claimants on short-term disability, and a 36% increase for claimants on long-term disability.


© 2024 ALM Global, LLC, All Rights Reserved. Request academic re-use from All other uses, submit a request to [email protected]. For more information visit Asset & Logo Licensing.