John M. Bragg, FSA
Geoffery Crofts, FSA
Faye Albert, FSA                          

Harold I. Cohen, FSA

   Bragg Associates Actuaries
   

      

 


Consolidated Report - Main Report Plus Supplements

 See separate Table of Contents below.

Supplements:


1984 Application to Disability Income
Comments About the Three "Proportions Who Smoke"
Blank Worksheets for Users to Apply Method (Tables III, IV, and V)
Table 7 showing Percentage who Smoke by Occupation
1996 Supplement Showing Corroborative Results of Field Test for Hospital/Medical - 8 Commercials and 5 Blues
1996 Supplement Showing Corroborative Results of Field Test for  Loss of Income - 12 Commercials and 1Blue
Trends in Percentage Who Smoke, through 1999

2002 Bragg Internal Memorandum re Unblending or Splitting of Rates
Methodology for Unblending of Health Insurance Costs for  Medical Care Insurance
Methodology for Unblending of Health Insurance Costs for  Long Term Disability Income Insurance
Methodology for Unblending of Health Insurance Costs for  Short Term Disability Income Insurance
Report also Contains Methodology for Dealing with Misrepresentation of Smoking Status

A note on Pricing

Bragg Report: The Effect of Smoking on Health Insurance Costs

Table of Contents

Introduction
Table of Contents
Methodology
Definition of a Smoker
Table I -- Proportion who are Smokers
Derivation of Morbidity Ratios by Cause
Table II Male -- Morbidity Ratios by Cause
Table II Female -- Morbidity Ratios by Cause
Rationale for Table III
Sensitivity of R to Changes in p
Sensitivity of R to Changes in r
General Comments about Available Data
Table IIIA -- Sample Determination of R
Table IIIB -- T, p, and R for Various Coverages
Table IIIAA -- R by age, sex, and coverage
Rationale for Table IV
Table IV -- Sample Determinations of S% and S
Misrepresentation Defense
Table V -- Sample Adjustments for Misrepresentation
Interpretation
Appendix A -- Sources of Data

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Copyright 2006 John M. Bragg and Associates, Inc. All rights reserved.                                                   
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Revised: 06/15/10.