Unified Government of Athens Clarke County LT.xlsx

This file is a Long-Term Disability (LTD) Claims Experience Exhibit prepared for the Unified Government of Athens-Clarke County, Georgia, documenting underwriting data and claims history for Policy 0379727. The exhibit presents paid and incurred claims experience spanning from June 2020 through January 2026, including detailed breakdowns of claims by policy period, payment status, and current valuation as of January 1, 2026. The data encompasses five open claims and multiple closed claims with associated benefit payments and case reserves.

The claims experience shows total incurred losses of $1,136,110 against paid premiums of $1,879,490 over the policy period. Paid claims total $452,251, with case reserves of $493,641 and Incurred But Not Reported (IBNR) reserves of $190,218. The claims detail section identifies individual claim transactions with net benefits, total benefits paid, and reserve amounts, demonstrating claim lifespans ranging from short-term closed claims to longer-duration open claims. Monthly net benefit amounts for open claims range from $991 to $3,043, while closed claims reflect various total benefit payments from under $1,000 to over $129,000, providing comprehensive visibility into the group's disability claims profile and reserve adequacy for financial planning purposes.