Mortality of Disabled People

16 Pages Posted: 26 Jan 2012 Last revised: 30 Apr 2012

See all articles by Ermanno Pitacco

Ermanno Pitacco

MIB Trieste School of Management

Date Written: January 26, 2012


Various types of insurance products require, as an item of the technical basis for pricing and reserving, appropriate assumptions about the mortality of disabled people. In this paper, we mostly focus on products providing Income Protection, which can be placed in the framework of “Disability Insurance”. In particular, extra-mortality modeling is discussed, and some sources providing life tables of disabled people are addressed.

Keywords: Disability insurance, Disability annuities, Income protection, Extramortality, Substandard risks, Impaired lives, Life tables

JEL Classification: G22

Suggested Citation

Pitacco, Ermanno, Mortality of Disabled People (January 26, 2012). Available at SSRN: or

Ermanno Pitacco (Contact Author)

MIB Trieste School of Management

Trieste, Trieste 34100

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