Short Term Disability Experience Data

[HP]

Hello,

I am searching for historical STD experience study data in the Health industry. Does anyone know where I can find such information?

Also, when an insurance company price a STD product with 2 years guarantee, what factors do they look into for the 2nd year guarantee?

Thank you.

[Toll Free]

1) It doesn't exist in a public forum. It's short term disability - what do you need experience for?

2) Unless you have discovered some sort of trend function for STD/WI, what's the point?