Appendix_7.8_RFP_31786-00186%20Claims%20History%20and%20P%20and%20L%20-%20REVISED.xlsx

This file contains a Long-Term Disability (LTD) and Short-Term Disability (STD) claims history and profit-and-loss statement for the State of Tennessee, detailing claims experience from January 2021 through May 2025. The document includes comprehensive claim-level detail spanning both employee-paid and employer-paid disability benefit plans across Central State Government and Higher Education entities within Tennessee's employee benefits program.

The LTD claims history covers 161,596 claims with a total incurred amount of $8,499,036 across a 49-month experience period (January 2021 through June 2025), with paid claims totaling $2,536,065 and reserves of $6,216,143. The STD data, spanning January 2022 through May 2025, reflects monthly claim volumes with premium amounts ranging from approximately $33 million to $70 million, depending on the month and employee count. Individual disability claims detail benefit payment amounts, Social Security status (approved, pending, or denied), claim status codes, and reserve positions. The claims data reflects multiple disability benefit options and enrollment types, with claimants distributed across various age groups and benefit levels. The experience shows active claims, declined benefits, waiting periods, ended claims, and pending determinations, providing actuarial detail necessary for disability plan valuation, rate-setting, and reserve adequacy analysis for the State of Tennessee's self-funded or partially-funded disability benefit programs.