Incurred_&_Paid_-_Dane_County_-_STD.xlsx

This file contains Short Term Disability (STD) and Long Term Disability (LTD) claims experience data for Dane County, Wisconsin under Contract Number 163054, with coverage effective as of May 1, 2017. The spreadsheet tracks incurred and paid claims on a policy year basis from May 2021 through August 2026, providing comprehensive loss history for both disability product lines that inform the County's procurement of Short Term/Long Term Disability and Long Term Disability Only Services. The data encompasses five consecutive policy periods with detailed breakdowns of lives covered, earned premiums, paid claims, reserves, and incurred claims for both STD and LTD programs.

The STD program demonstrates an average loss ratio of 50% across the five-year period, with earned premiums totaling $2,478,797 and incurred claims of $1,250,545 across 10,569 total lives. The LTD program reflects a 49% average loss ratio with higher earned premiums of $2,937,912 and incurred claims of $1,449,896 across 11,058 lives, though with more volatile year-to-year experience including a significant increase in IBNR reserves of $589,648 in the final period. The most recent policy year (May 2025 through August 2026) shows STD earned premiums of $688,036 with a 46% loss ratio, while LTD premiums reached $823,165 with a 73% loss ratio, indicating elevated claims experience in the current period that may influence renewal pricing and contract negotiations.