In this issue of the Disability Newsletter, we present our annual study of the profitability of the noncancelable individual disability insurance (IDI) market. As the result of changes in the way IDI is reported, and of the increasing prevalence of large and complex reinsurance arrangements, we have changed our study methodology, restating results from prior years to provide a consistent historical trend. For this issue, we also include a summary of recent market research on the supplemental insurance market, on products such as:

• Critical illness
• Accident
• Hospital indemnity insurance
• Simplified form of disability insurance sold at worksites