credibility - measure of believability of the experience, loss ratio - claims divided by premium, incurred claims - claims that have happened, IBNR - claims that have happened but not reported, experience period - set number of months for claims data review, STD experience rate threshold - 100 enrolled lives, paid basis - consider paid claims and changes in reserves, incurred basis - consider paid-on-incurred claims plus reserves, run out - payments on claims incurred in a prior period, reserves - money set aside to pay future claims,

STD Experience Rating Terms

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