A Claim incidence study for Individual Disability Insurance was conducted for study period from 2004 through 2007. Incidence was measured by count and amount and was compared with its 2007 EVM assumption and with standard industry tables 1985 CIDA. Generally, incidence rates are higher by amount than by count. This analysis and discussion focus on the experience by amount since this measure more closely reflects the financial impact. This report is to determine which assumption will be used going forward. Results have been provided for each calendar year within the study period. Further, results by significant blocks of business, elimination period, benefit period, CIDA occupation class and geographic location have been summarized in the body of the report. Additional details are included in the Appendices. In the report, the name of the insurance company and any other revealing information are suppressed due to confidentiality and sensitivity of the nature of these data. / text

Diss. (sammanfattning) Stockholm : Karol. inst., 2005. / Härtill 4 uppsatser.

With an explicit focus on how power is enacted and what this produces in the everyday lives of chronically ill women living on B.C. disability income support (BC Benefits), this research is located at the contested juxtaposition of what I refer to as three fields of possibility; feminism, poststructuralism and critical disability studies. Each of these fields suggests methodological, empirical and interpretive readings that enable me to produce different knowledge, differently, about disabled women’s lives. Using verbatim narrative accounts from in-depth interviews focused on how each of four participants live their lives, take care of themselves, and make sense of and respond to the government policy and practices to which they are subject, reveals everyday, embodied practices of the self that constitute their subjectivities as disabled women. Together, these accounts along with critically interpretive reflections reveal/expose/make visible the lives of these women in response to exercises of power in ways that unseat, unsettle and disrupt taken-for-granted understandings of those who are disabled, female and poor. Along with explicating power relations in the lives of disabled women and what these produce, I also link these critically to their health, socio-economic well-being and citizenship, while creating a disruptive reading that destabilizes common-sense notions about disabled women securing B.C. provincial income support benefits. Thus my research purposes and those of my disability activism are melded as these intersect within the (often-contested) borders of poststructural and social justice terrain. Despite public claims by the B. C. government to foster the independence, participation in community and citizenship of disabled people in B.C., the intersection of government policy and practices and how they are read and taken up by the women, produce profound uncertainty in their lives, such that these women become uncertain subjects. Living poorly, they experience structural poverty, compromised well-being and “dis-citizenship” (Devlin & Pothier, 2006), all inconvenient facts reflecting a marked disjuncture between how government programs are publicly represented and their strategic effects. / Graduate