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Special Reports Smith Group Summary of Medical Loss Ratios Requirements for Disability Income Insurance (March 2010) On Your Mark, Get Set, Go... (April 2010) Non Profits - Assessing the Risk of a Good Cause (January 2010) Summary Table of Group Health and Life Extraterritorial Filing Requirements & Jurisdictional Allowance for Discretionary Groups (January 2010) The Potential Impact of Health Care Reform on Physician Groups (December 2009) To Quote or Not to Quote...Avoiding the Big Mistake (November 2009) Municipalities: A Blinking Yellow Light (October 2009) 'Back In the Day...' A Look at Generational Differences in the Workplace (July 2009) Summary Table of Dependent Status by State for Life and Health Lines of Business (June 2009) Summary Table of Premium Tax Due by State for Life and Health Lines of Business (May 2009) Survivor: Assessing the Likelihood of Recession Resistance in 2009 (April 2009) Food for Thought: Defining Earnings in Uncertain Times ADA Amendments Act of 2008: A Brief Overview and Discussion Digging Deeper Just say No...or something like it Electronic Mail: Not a Sealed Envelope Still Conflicted -- Smith Group Commentary and Perspective on MetLife v. Glenn What Do You Want From Me? The Good, The Bad and The Truth CLAIMS & UNDERWRITING: Breaking Down the Barrier LTD Pricing Strategies The Very Small Company: Are the Risks Relative? Casinos...Worth Taking a Gamble? Consumer Driver Health: Why We Should Care. Airline Industry: Risk Considerations for Group Disability Insurance Small Case Market Memo: Recent Carrier Initiatives, Small Employer Viewpoint, Market Penetration The Mortgage Company: An Industry Overview Claims Update: the Benesowitz case - LTD Pre-Ex Provisions Conflict with NY Insurance Law, Laura Jamison, Director of Claims, Smith Group As featured in the MARC Summer 2007 issue of Re-View Access case briefs referenced in article: Benesowitz 2nd Circuit Decision Dec 2006 Benesowitz Appendix March 2007 Benesowitz Reply Brief May 2007 Brf for Defendants Respondents April 2007 Brf Life Ins Council NY April 2007 Brf Benesowitz PL Appellant Appendix Brf Superintendent NY April 2007 Brf ACLI April 2007 Respondents' Appendix April 2007 Smith Group Summary of the Disability Insurance Claims & Litigation Conference held June 6-7, 2007 in Boston, Massachusetts Claims Management Resource Listing Smith Group Analysis of BLS Job Openings and Labor Turnover Survey (JOLTS) Avian Flu - Potential Risks and Economic Impacts State Temporary Disability Update: Weekly Benefit Maximums NJ Proposes to Increase Weekly Maximum Benefit BLS National Compensation Survey shows modest increase in Group LTD participation UnumProvident Multi-State Settlement Investor Presentations Summary, March 2005 Taxation of LTD Benefits Census Profiling Valuation Guidelines Manual Rate Development Theory and Structure NAIC RBC Formula Changes NAIC RBC Newsletter Standard and Poor's RBC Formula Changes Field Competitive Pricing Pools September 11, 2001: Implications for Disability Insurance Smith Group Analysis of the North American Industrial Classification System (NAICS) Claim Pooling Disability Insurance Coverage for Mental and Nervous Disorders Good Case, Bad Case Notes Creating An Edge Article Series When Participation is Not Met (August 2010) Getting Grounded: A Refresher on Writing the Manual Rate Renewal Increase Letter (July 2010) Building a Bridge Between Health and Disability (July 2010) The Workman’s Comp Advantage on Large Cases (5,000 +) (June 2010) U.S. School Districts Facing Cuts (June 2010)