CIA Long-Term Disability Termination Study 2009-2015

CIA Long-Term Disability Termination Study 2009–2015
This file is an appendix to the CIA report titled:
Please refer to this text for the complete documentation of the tables included here.
This file contains the tables developed from Canadian Group Long-Term Disability experience
in the period January 1, 2009, to December 31, 2015.
The Termination tab provides base rates for total terminations prior to reaching the maximum benefit duration.
The Change of Definition tab provides a mechanism for adjusting the base rates to account for terminations due to a change in
For most applications, the base values should be adjusted by adding the change in definition value to the appropriate duration
The Mortality tab provides values for the mortality component of the total termination rate.
The Recovery tab provides the difference in rates between the total termination value and the mortality value.
The Actual to Expected tab provides a comparison of the tabular values to the raw data.
Age means attained age last birthday.
Rates are monthly up to and including month 60, then annual.
Users should note that monthly rates should be applied to exposure computed on a monthly basis, while annual rates should b
IA Long-Term Disability Termination Study 2009–2015
file is an appendix to the CIA report titled:

Group Long-term Disability Termination Study
se refer to this text for the complete documentation of the tables included here.
file contains the tables developed from Canadian Group Long-Term Disability experience
he period January 1, 2009, to December 31, 2015.
Termination tab provides base rates for total terminations prior to reaching the maximum benefit duration.
Change of Definition tab provides a mechanism for adjusting the base rates to account for terminations due to a change in the policy defin
most applications, the base values should be adjusted by adding the change in definition value to the appropriate duration.
Mortality tab provides values for the mortality component of the total termination rate.
Recovery tab provides the difference in rates between the total termination value and the mortality value.
Actual to Expected tab provides a comparison of the tabular values to the raw data.
means attained age last birthday.
es are monthly up to and including month 60, then annual.
rs should note that monthly rates should be applied to exposure computed on a monthly basis, while annual rates should be applied to exp
mputed on an annual basis.
Termination Table – base rates including mortality
Female – Québec (terminations)
Note: rates are monthly up to and including month 60, then annual.
Age at Disability
Month/Year Under 25 25–29 30–34 35–39 40–44 45–49 50–54 55–59
mth 5 0.13661 0.13252 0.12854 0.12468 0.11107 0.10658 0.09908 0.09908
mth 6 0.13771 0.13358 0.12958 0.12569 0.11152 0.10709 0.09950 0.09950
mth 7 0.13716 0.13305 0.12906 0.12519 0.11107 0.10658 0.09908 0.09908
mth 8 0.13607 0.13198 0.12802 0.12418 0.11061 0.10508 0.09831 0.09753
mth 9 0.13331 0.12931 0.12543 0.12167 0.10910 0.10232 0.09724 0.09177
mth 10 0.12780 0.12397 0.12025 0.11664 0.10615 0.09766 0.09375 0.08573
mth 11 0.12340 0.11969 0.11610 0.11262 0.10176 0.09351 0.08977 0.07968
mth 12 0.11789 0.11435 0.11092 0.10759 0.09818 0.09022 0.08547 0.07564
mth 13 0.11158 0.10823 0.10500 0.10184 0.09369 0.08610 0.08093 0.07043
mth 14 0.10602 0.10284 0.09976 0.09677 0.08999 0.08270 0.07775 0.06557
mth 15 0.10013 0.09712 0.09421 0.09138 0.08590 0.07894 0.07416 0.06098
mth 16 0.09259 0.08981 0.08712 0.08451 0.08028 0.07377 0.06935 0.05671
mth 17 0.08637 0.08378 0.08127 0.07883 0.07567 0.06954 0.06537 0.05274
mth 18 0.07989 0.07749 0.07517 0.07292 0.07073 0.06500 0.06109 0.04905
mth 19 0.07463 0.07239 0.07021 0.06811 0.06675 0.06134 0.05731 0.04547
mth 20 0.06970 0.06761 0.06558 0.06361 0.06234 0.05731 0.05304 0.04186
mth 21 0.06654 0.06454 0.06261 0.06073 0.05823 0.05351 0.04927 0.03777
mth 22 0.06283 0.06095 0.05912 0.05735 0.05385 0.04948 0.04525 0.03374
mth 23 0.05936 0.05758 0.05585 0.05417 0.04978 0.04575 0.04123 0.03014
mth 24 0.05639 0.05469 0.05305 0.05146 0.04631 0.04347 0.03720 0.02706
mth 25 0.05356 0.05195 0.05040 0.04889 0.04365 0.04126 0.03497 0.02457
mth 26 0.05089 0.04936 0.04788 0.04644 0.04111 0.03911 0.03258 0.02289
mth 27 0.04835 0.04690 0.04549 0.04412 0.03897 0.03704 0.03034 0.02132
mth 28 0.04592 0.04454 0.04322 0.04192 0.03666 0.03505 0.02826 0.01986
mth 29 0.04363 0.04232 0.04106 0.03982 0.03472 0.03313 0.02632 0.01849
mth 30 0.04145 0.04020 0.03900 0.03783 0.03260 0.03129 0.02451 0.01722
mth 31 0.03938 0.03820 0.03705 0.03594 0.03077 0.02952 0.02282 0.01603
mth 32 0.03741 0.03629 0.03519 0.03414 0.02905 0.02782 0.02124 0.01493
mth 33 0.03573 0.03465 0.03361 0.03260 0.02745 0.02619 0.01977 0.01390
mth 34 0.03412 0.03309 0.03210 0.03114 0.02594 0.02464 0.01841 0.01293
mth 35 0.03258 0.03160 0.03066 0.02974 0.02451 0.02315 0.01713 0.01204
mth 36 0.03111 0.03019 0.02928 0.02840 0.02317 0.02173 0.01594 0.01120
mth 37 0.02971 0.02883 0.02796 0.02712 0.02189 0.02037 0.01483 0.01042
mth 38 0.02838 0.02753 0.02670 0.02590 0.02069 0.01908 0.01380 0.00970
mth 39 0.02710 0.02628 0.02550 0.02473 0.01955 0.01786 0.01284 0.00902
mth 40 0.02588 0.02511 0.02435 0.02362 0.01848 0.01669 0.01194 0.00839
mth 41 0.02472 0.02397 0.02326 0.02256 0.01746 0.01559 0.01111 0.00781
mth 42 0.02360 0.02290 0.02221 0.02154 0.01650 0.01454 0.01033 0.00726
mth 43 0.02254 0.02187 0.02121 0.02057 0.01559 0.01355 0.00961 0.00675
mth 44 0.02131 0.02066 0.02004 0.01944 0.01473 0.01262 0.00894 0.00628
mth 45 0.02013 0.01953 0.01894 0.01837 0.01385 0.01173 0.00834 0.00586
mth 46 0.01902 0.01845 0.01790 0.01736 0.01306 0.01091 0.00782 0.00549
mth 47 0.01798 0.01744 0.01691 0.01641 0.01237 0.01013 0.00736 0.00517
mth 48 0.01681 0.01630 0.01582 0.01534 0.01175 0.00949 0.00695 0.00489
mth 49 0.01572 0.01524 0.01479 0.01434 0.01121 0.00889 0.00660 0.00465
mth 50 0.01469 0.01426 0.01383 0.01341 0.01074 0.00832 0.00628 0.00444
mth 51 0.01374 0.01332 0.01293 0.01254 0.01033 0.00777 0.00601 0.00427
mth 52 0.01285 0.01246 0.01209 0.01172 0.00997 0.00726 0.00577 0.00412
mth 53 0.01202 0.01165 0.01130 0.01096 0.00967 0.00678 0.00556 0.00399
mth 54 0.01123 0.01089 0.01057 0.01025 0.00942 0.00631 0.00538 0.00389
mth 55 0.01050 0.01019 0.00988 0.00958 0.00921 0.00588 0.00510 0.00381
mth 56 0.00981 0.00952 0.00924 0.00896 0.00896 0.00547 0.00500 0.00375
mth 57 0.00925 0.00898 0.00871 0.00844 0.00844 0.00509 0.00492 0.00371
mth 58 0.00872 0.00846 0.00820 0.00795 0.00795 0.00473 0.00473 0.00369
mth 59 0.00825 0.00799 0.00775 0.00752 0.00752 0.00438 0.00438 0.00369
mth 60 0.00775 0.00752 0.00729 0.00707 0.00707 0.00406 0.00406 0.00371
year 5 0.08595 0.08423 0.08254 0.06806 0.04980 0.04498 0.05611 0.04536
year 6 0.06594 0.06462 0.06333 0.05316 0.03980 0.03693 0.03258 0.04022
year 7 0.05142 0.05040 0.04939 0.04223 0.03235 0.03085 0.03167 0.03821
year 8 0.04008 0.03928 0.03849 0.03351 0.02626 0.02574 0.02715 0.03548
year 9 0.03122 0.03060 0.02998 0.02660 0.02133 0.02149 0.02353 0.03408
year 10 0.01373 0.01403 0.01440 0.01592 0.01728 0.01902 0.02188
year 11 0.01397 0.01389 0.01473 0.01622 0.01756 0.01951 0.02264
year 12 0.01423 0.01391 0.01501 0.01650 0.01786 0.02000 0.02300
year 13 0.01452 0.01397 0.01531 0.01676 0.01820 0.02058 0.02333
year 14 0.01425 0.01416 0.01565 0.01702 0.01859 0.02120 0.02374
year 15 0.01403 0.01440 0.01592 0.01728 0.01902 0.02188
year 16 0.01389 0.01473 0.01622 0.01756 0.01951 0.02264
year 17 0.01391 0.01501 0.01650 0.01786 0.02000 0.02300
year 18 0.01397 0.01531 0.01676 0.01820 0.02058 0.02333
year 19 0.01416 0.01565 0.01702 0.01859 0.02120 0.02374
year 20 0.01440 0.01592 0.01728 0.01902 0.02188
year 21 0.01473 0.01622 0.01756 0.01951 0.02264
year 22 0.01501 0.01650 0.01786 0.02000 0.02300
year 23 0.01531 0.01676 0.01820 0.02058 0.02333
year 24 0.01565 0.01702 0.01859 0.02120 0.02374
year 25 0.01592 0.01728 0.01902 0.02188
year 26 0.01622 0.01756 0.01951 0.02264
year 27 0.01650 0.01786 0.02000 0.02300
year 28 0.01676 0.01820 0.02058 0.02333
year 29 0.01702 0.01859 0.02120 0.02374
year 30 0.01728 0.01902 0.02188
year 31 0.01756 0.01951 0.02264
year 32 0.01786 0.02000 0.02300
year 33 0.01820 0.02058 0.02333
year 34 0.01859 0.02120 0.02374
year 35 0.01902 0.02188
year 36 0.01951 0.02264
year 37 0.02000 0.02300
year 38 0.02058 0.02333
year 39 0.02120 0.02374
year 40 0.02188
year 41 0.02264
year 42 0.02300
year 43 0.02333
year 44 0.02374
2009–2015
g mortality
Male – Québec (terminations)
Age at Disability
60–64 Month/Year Under 25 25–29 30–34 35–39 40–44 45–49 50–54
0.08368 mth 5 0.16232 0.14963 0.14364 0.13727 0.12934 0.11867 0.11122
0.08285 mth 6 0.16121 0.14859 0.14265 0.13628 0.12878 0.11815 0.11073
0.08202 mth 7 0.15896 0.14652 0.14065 0.13332 0.12692 0.11644 0.10973
0.08037 mth 8 0.15218 0.14028 0.13467 0.12691 0.12277 0.11122 0.10674
0.07562 mth 9 0.14372 0.13248 0.12718 0.12088 0.11187 0.10397 0.10075
0.07065 mth 10 0.13527 0.12469 0.11970 0.11377 0.10436 0.09671 0.09227
0.06516 mth 11 0.12506 0.11703 0.11235 0.10786 0.09724 0.09077 0.08400
0.05951 mth 12 0.11258 0.10938 0.10500 0.10328 0.09295 0.08587 0.07781
0.05329 mth 13 0.10514 0.10266 0.10055 0.09855 0.08838 0.08130 0.07282
0.04850 mth 14 0.09809 0.09703 0.09503 0.09315 0.08354 0.07731 0.06761
0.04413 mth 15 0.09105 0.09099 0.08912 0.08735 0.07840 0.07332 0.06299
0.04016 mth 16 0.08549 0.08543 0.08367 0.08201 0.07365 0.06939 0.05873
0.03654 mth 17 0.08030 0.08025 0.07860 0.07704 0.06924 0.06520 0.05477
0.03325 mth 18 0.07551 0.07546 0.07391 0.07244 0.06518 0.06140 0.05111
0.03027 mth 19 0.07109 0.07104 0.06959 0.06820 0.06141 0.05786 0.04774
0.02754 mth 20 0.06634 0.06630 0.06493 0.06364 0.05734 0.05456 0.04439
0.02506 mth 21 0.06206 0.06208 0.06080 0.05959 0.05377 0.05117 0.04087
0.02281 mth 22 0.05929 0.05865 0.05746 0.05631 0.05086 0.04791 0.03827
0.02075 mth 23 0.05664 0.05546 0.05433 0.05325 0.04814 0.04489 0.03583
0.01878 mth 24 0.05406 0.05214 0.05107 0.05006 0.04512 0.04207 0.03375
0.01690 mth 25 0.05092 0.04838 0.04755 0.04658 0.04315 0.03940 0.03142
0.01521 mth 26 0.04815 0.04574 0.04496 0.04379 0.04023 0.03661 0.02927
0.01370 mth 27 0.04557 0.04329 0.04256 0.04117 0.03803 0.03404 0.02773
0.01228 mth 28 0.04315 0.04100 0.04032 0.03869 0.03597 0.03152 0.02634
0.01105 mth 29 0.04092 0.03887 0.03824 0.03637 0.03409 0.02943 0.02503
0.01028 mth 30 0.03883 0.03689 0.03630 0.03419 0.03203 0.02743 0.02378
0.00960 mth 31 0.03690 0.03505 0.03450 0.03213 0.03012 0.02534 0.02259
0.00899 mth 32 0.03535 0.03358 0.03306 0.03021 0.02800 0.02334 0.02124
0.00844 mth 33 0.03390 0.03220 0.03171 0.02855 0.02604 0.02172 0.01996
0.00795 mth 34 0.03253 0.03090 0.03044 0.02732 0.02422 0.01995 0.01885
0.00751 mth 35 0.03124 0.02969 0.02924 0.02618 0.02252 0.01895 0.01783
0.00711 mth 36 0.03005 0.02854 0.02773 0.02510 0.02117 0.01773 0.01694
0.00674 mth 37 0.02892 0.02747 0.02630 0.02410 0.01990 0.01657 0.01609
0.00641 mth 38 0.02785 0.02646 0.02552 0.02314 0.01871 0.01543 0.01528
0.00611 mth 39 0.02685 0.02552 0.02476 0.02225 0.01759 0.01479 0.01436
0.00583 mth 40 0.02594 0.02464 0.02401 0.02142 0.01653 0.01394 0.01359
0.00558 mth 41 0.02516 0.02390 0.02328 0.02063 0.01570 0.01314 0.01286
0.00534 mth 42 0.02440 0.02318 0.02258 0.01989 0.01491 0.01238 0.01216
0.00513 mth 43 0.02367 0.02248 0.02191 0.01895 0.01417 0.01167 0.01151
0.00493 mth 44 0.02295 0.02181 0.02124 0.01820 0.01346 0.01101 0.01090
0.00475 mth 45 0.02227 0.02116 0.02060 0.01736 0.01279 0.01038 0.01031
0.00458 mth 46 0.02160 0.02052 0.01978 0.01680 0.01215 0.00974 0.00969
0.00442 mth 47 0.02096 0.01991 0.01898 0.01628 0.01153 0.00913 0.00910
0.00427 mth 48 0.02012 0.01911 0.01804 0.01576 0.01057 0.00852 0.00848
0.00414 mth 49 0.01931 0.01834 0.01713 0.01506 0.01005 0.00794 0.00789
0.00401 mth 50 0.01834 0.01743 0.01618 0.01431 0.00955 0.00736 0.00729
0.00389 mth 51 0.01742 0.01655 0.01529 0.01369 0.00907 0.00682 0.00673
0.00378 mth 52 0.01655 0.01572 0.01444 0.01314 0.00862 0.00629 0.00616
0.00368 mth 53 0.01572 0.01493 0.01367 0.01261 0.00819 0.00581 0.00565
0.00358 mth 54 0.01493 0.01418 0.01291 0.01210 0.00786 0.00530 0.00521
0.00349 mth 55 0.01418 0.01348 0.01219 0.01161 0.00754 0.00495 0.00474
0.00341 mth 56 0.01348 0.01280 0.01152 0.01114 0.00724 0.00463 0.00431
0.00333 mth 57 0.01308 0.01242 0.01106 0.01069 0.00695 0.00433 0.00392
0.00326 mth 58 0.01268 0.01204 0.01063 0.01048 0.00667 0.00405 0.00361
0.00319 mth 59 0.01255 0.01192 0.01019 0.01037 0.00640 0.00379 0.00343
0.00312 mth 60 0.01242 0.01180 0.00980 0.01027 0.00614 0.00354 0.00340
year 5 0.01869 0.07705 0.07303 0.05657 0.04089 0.04819 0.03908
year 6 0.01935 0.05082 0.05127 0.04245 0.03241 0.03975 0.03765
year 7 0.02003 0.03417 0.03675 0.03262 0.02629 0.03360 0.03722
year 8 0.02073 0.02287 0.02628 0.02501 0.02132 0.02839 0.03678
year 9 0.02041 0.01527 0.01876 0.01916 0.01728 0.02396 0.03635
year 10 0.01869 0.01617 0.01773 0.02063 0.02387 0.02785 0.03315
year 11 0.01935 0.01622 0.01825 0.02125 0.02458 0.02879 0.03442
year 12 0.02003 0.01635 0.01879 0.02191 0.02533 0.02978 0.03510
year 13 0.02073 0.01673 0.01938 0.02251 0.02612 0.03084 0.03575
year 14 0.02041 0.01714 0.01998 0.02316 0.02696 0.03198 0.03647
year 15 0.01617 0.01773 0.02063 0.02387 0.02785 0.03315
year 16 0.01622 0.01825 0.02125 0.02458 0.02879 0.03442
year 17 0.01635 0.01879 0.02191 0.02533 0.02978 0.03510
year 18 0.01673 0.01938 0.02251 0.02612 0.03084 0.03575
year 19 0.01714 0.01998 0.02316 0.02696 0.03198 0.03647
year 20 0.01773 0.02063 0.02387 0.02785 0.03315
year 21 0.01825 0.02125 0.02458 0.02879 0.03442
year 22 0.01879 0.02191 0.02533 0.02978 0.03510
year 23 0.01938 0.02251 0.02612 0.03084 0.03575
year 24 0.01998 0.02316 0.02696 0.03198 0.03647
year 25 0.02063 0.02387 0.02785 0.03315
year 26 0.02125 0.02458 0.02879 0.03442
year 27 0.02191 0.02533 0.02978 0.03510
year 28 0.02251 0.02612 0.03084 0.03575
year 29 0.02316 0.02696 0.03198 0.03647
year 30 0.02387 0.02785 0.03315
year 31 0.02458 0.02879 0.03442
year 32 0.02533 0.02978 0.03510
year 33 0.02612 0.03084 0.03575
year 34 0.02696 0.03198 0.03647
year 35 0.02785 0.03315
year 36 0.02879 0.03442
year 37 0.02978 0.03510
year 38 0.03084 0.03575
year 39 0.03198 0.03647
year 40 0.03315
year 41 0.03442
year 42 0.03510
year 43 0.03575
year 44 0.03647
Female – Rest of Canada (terminations)
Age at Disability
55–59 60–64 Month/Year Under 25 25–29 30–34 35–39 40–44 45–49
0.10382 0.09006 mth 5 0.12439 0.10860 0.09050 0.06335 0.05174 0.04967
0.10179 0.08828 mth 6 0.12325 0.10759 0.09020 0.06315 0.05225 0.05015
0.09517 0.07770 mth 7 0.11863 0.10357 0.08949 0.06264 0.05215 0.05006
0.08713 0.06935 mth 8 0.11172 0.09753 0.08618 0.06033 0.05201 0.04992
0.07913 0.06056 mth 9 0.09790 0.08547 0.07299 0.05731 0.05125 0.04920
0.07125 0.05436 mth 10 0.09099 0.07944 0.06569 0.05480 0.05066 0.04863
0.06515 0.04970 mth 11 0.08408 0.07340 0.05912 0.05229 0.04969 0.04770
0.05852 0.04512 mth 12 0.07519 0.06929 0.05380 0.05028 0.04846 0.04651
0.05314 0.04139 mth 13 0.07046 0.06493 0.05058 0.04826 0.04729 0.04540
0.04886 0.03704 mth 14 0.06631 0.06110 0.04805 0.04659 0.04549 0.04367
0.04535 0.03341 mth 15 0.06191 0.05704 0.04565 0.04449 0.04359 0.04185
0.04230 0.03028 mth 16 0.05785 0.05330 0.04337 0.04248 0.04143 0.03977
0.03947 0.02784 mth 17 0.05407 0.04982 0.04120 0.04057 0.03936 0.03778
0.03686 0.02600 mth 18 0.05058 0.04661 0.03914 0.03875 0.03737 0.03588
0.03390 0.02366 mth 19 0.04735 0.04364 0.03751 0.03700 0.03569 0.03426
0.03157 0.02182 mth 20 0.04352 0.04010 0.03606 0.03534 0.03405 0.03290
0.02954 0.02019 mth 21 0.04081 0.03761 0.03461 0.03374 0.03248 0.03141
0.02723 0.01828 mth 22 0.03833 0.03532 0.03321 0.03223 0.03098 0.03015
0.02524 0.01666 mth 23 0.03642 0.03355 0.03155 0.03078 0.02956 0.02864
0.02294 0.01522 mth 24 0.03459 0.03187 0.03006 0.02939 0.02819 0.02721
0.02123 0.01394 mth 25 0.03303 0.03029 0.02876 0.02807 0.02690 0.02585
0.01979 0.01286 mth 26 0.03154 0.02877 0.02724 0.02681 0.02566 0.02455
0.01846 0.01187 mth 27 0.03013 0.02733 0.02624 0.02560 0.02448 0.02333
0.01721 0.01104 mth 28 0.02877 0.02596 0.02484 0.02445 0.02336 0.02216
0.01606 0.01027 mth 29 0.02747 0.02467 0.02350 0.02335 0.02228 0.02106
0.01498 0.00956 mth 30 0.02623 0.02343 0.02237 0.02230 0.02126 0.02000
0.01398 0.00889 mth 31 0.02506 0.02226 0.02138 0.02132 0.02028 0.01900
0.01347 0.00827 mth 32 0.02393 0.02115 0.02017 0.02011 0.01935 0.01787
0.01256 0.00769 mth 33 0.02286 0.02009 0.01947 0.01941 0.01846 0.01679
0.01171 0.00715 mth 34 0.02194 0.01908 0.01856 0.01850 0.01761 0.01579
0.01091 0.00665 mth 35 0.02129 0.01813 0.01764 0.01772 0.01652 0.01476
0.01025 0.00638 mth 36 0.02096 0.01750 0.01667 0.01665 0.01549 0.01381
0.00964 0.00612 mth 37 0.02065 0.01688 0.01576 0.01566 0.01453 0.01291
0.00906 0.00588 mth 38 0.02034 0.01629 0.01489 0.01471 0.01363 0.01201
0.00852 0.00570 mth 39 0.02004 0.01572 0.01408 0.01383 0.01279 0.01106
0.00801 0.00553 mth 40 0.01974 0.01516 0.01330 0.01300 0.01200 0.01016
0.00753 0.00536 mth 41 0.01945 0.01463 0.01257 0.01222 0.01125 0.00924
0.00708 0.00520 mth 42 0.01916 0.01412 0.01188 0.01148 0.01055 0.00845
0.00673 0.00510 mth 43 0.01886 0.01362 0.01122 0.01086 0.00989 0.00773
0.00639 0.00500 mth 44 0.01858 0.01315 0.01061 0.01026 0.00928 0.00714
0.00607 0.00490 mth 45 0.01830 0.01269 0.01002 0.00954 0.00871 0.00669
0.00578 0.00480 mth 46 0.01803 0.01225 0.00947 0.00906 0.00816 0.00630
0.00549 0.00470 mth 47 0.01776 0.01181 0.00895 0.00866 0.00766 0.00600
0.00527 0.00465 mth 48 0.01750 0.01122 0.00871 0.00827 0.00720 0.00575
0.00506 0.00460 mth 49 0.01723 0.01066 0.00847 0.00789 0.00677 0.00556
0.00491 0.00455 mth 50 0.01697 0.01013 0.00824 0.00754 0.00636 0.00531
0.00476 0.00450 mth 51 0.01672 0.00962 0.00800 0.00720 0.00598 0.00513
0.00462 0.00445 mth 52 0.01647 0.00914 0.00778 0.00688 0.00562 0.00502
0.00448 0.00441 mth 53 0.01622 0.00869 0.00757 0.00657 0.00529 0.00483
0.00439 0.00437 mth 54 0.01598 0.00826 0.00736 0.00630 0.00497 0.00468
0.00430 0.00430 mth 55 0.01574 0.00784 0.00716 0.00605 0.00468 0.00447
0.00421 0.00421 mth 56 0.01550 0.00745 0.00696 0.00581 0.00439 0.00432
0.00392 0.00392 mth 57 0.01527 0.00708 0.00677 0.00558 0.00417 0.00415
0.00361 0.00361 mth 58 0.01504 0.00673 0.00658 0.00535 0.00396 0.00394
0.00343 0.00343 mth 59 0.01482 0.00640 0.00640 0.00514 0.00376 0.00374
0.00340 0.00340 mth 60 0.01460 0.00607 0.00622 0.00493 0.00358 0.00356
0.03474 - year 5 0.10318 0.07185 0.06328 0.04892 0.03931 0.03223
0.03523 - year 6 0.07561 0.05262 0.04746 0.03799 0.03175 0.02753
0.03665 - year 7 0.05634 0.03915 0.03619 0.02999 0.02611 0.02396
0.03813 - year 8 0.04190 0.02910 0.02757 0.02368 0.02033 0.02083
0.03964 - year 9 0.03111 0.02160 0.02097 0.01866 0.01669 0.01810
year 10 0.01373 0.01403 0.01440 0.01592 0.01728 0.01902
year 11 0.01397 0.01389 0.01473 0.01622 0.01756 0.01951
year 12 0.01423 0.01391 0.01501 0.01650 0.01786 0.02000
year 13 0.01452 0.01397 0.01531 0.01676 0.01820 0.02058
year 14 0.01425 0.01416 0.01565 0.01702 0.01859 0.02120
year 15 0.01403 0.01440 0.01592 0.01728 0.01902 0.02188
year 16 0.01389 0.01473 0.01622 0.01756 0.01951 0.02264
year 17 0.01391 0.01501 0.01650 0.01786 0.02000 0.02300
year 18 0.01397 0.01531 0.01676 0.01820 0.02058 0.02333
year 19 0.01416 0.01565 0.01702 0.01859 0.02120 0.02374
year 20 0.01440 0.01592 0.01728 0.01902 0.02188
year 21 0.01473 0.01622 0.01756 0.01951 0.02264
year 22 0.01501 0.01650 0.01786 0.02000 0.02300
year 23 0.01531 0.01676 0.01820 0.02058 0.02333
year 24 0.01565 0.01702 0.01859 0.02120 0.02374
year 25 0.01592 0.01728 0.01902 0.02188
year 26 0.01622 0.01756 0.01951 0.02264
year 27 0.01650 0.01786 0.02000 0.02300
year 28 0.01676 0.01820 0.02058 0.02333
year 29 0.01702 0.01859 0.02120 0.02374
year 30 0.01728 0.01902 0.02188
year 31 0.01756 0.01951 0.02264
year 32 0.01786 0.02000 0.02300
year 33 0.01820 0.02058 0.02333
year 34 0.01859 0.02120 0.02374
year 35 0.01902 0.02188
year 36 0.01951 0.02264
year 37 0.02000 0.02300
year 38 0.02058 0.02333
year 39 0.02120 0.02374
year 40 0.02188
year 41 0.02264
year 42 0.02300
year 43 0.02333
year 44 0.02374
nations) Male - Rest of Canada (terminations)
60, then annual. Note: rates are monthly up to and including month 60, then annual.
lity Age at Disability
50–54 55–59 60–64 Month/Year Under 25 25–29 30–34 35–39 40–44
0.04816 0.04625 0.04394 mth 5 0.11871 0.08978 0.07564 0.07110 0.06683
0.04806 0.04615 0.04385 mth 6 0.11771 0.08978 0.07451 0.07004 0.06584
0.04796 0.04583 0.04354 mth 7 0.11272 0.08946 0.07338 0.06898 0.06484
0.04786 0.04550 0.04300 mth 8 0.10773 0.08867 0.07226 0.06792 0.06384
0.04781 0.04520 0.04203 mth 9 0.10175 0.08394 0.07000 0.06580 0.06185
0.04726 0.04444 0.04000 mth 10 0.09476 0.07839 0.06773 0.06367 0.05985
0.04676 0.04280 0.03724 mth 11 0.08579 0.07449 0.06435 0.06049 0.05686
0.04565 0.04073 0.03503 mth 12 0.08080 0.07086 0.06097 0.05732 0.05379
0.04424 0.03834 0.03187 mth 13 0.07434 0.06739 0.05777 0.05431 0.05087
0.04233 0.03644 0.02932 mth 14 0.07061 0.06371 0.05473 0.05145 0.04812
0.04061 0.03464 0.02727 mth 15 0.06708 0.06023 0.05186 0.04875 0.04552
0.03856 0.03197 0.02536 mth 16 0.06373 0.05694 0.04914 0.04619 0.04305
0.03661 0.03004 0.02358 mth 17 0.06055 0.05383 0.04655 0.04376 0.04073
0.03475 0.02824 0.02193 mth 18 0.05753 0.05089 0.04411 0.04147 0.03852
0.03299 0.02648 0.01999 mth 19 0.05465 0.04811 0.04180 0.03929 0.03644
0.03132 0.02482 0.01873 mth 20 0.05192 0.04549 0.03960 0.03723 0.03446
0.02973 0.02327 0.01698 mth 21 0.04933 0.04301 0.03753 0.03527 0.03260
0.02764 0.02181 0.01560 mth 22 0.04686 0.04067 0.03555 0.03342 0.03083
0.02596 0.02044 0.01431 mth 23 0.04452 0.03845 0.03369 0.03166 0.02917
0.02415 0.01911 0.01338 mth 24 0.04230 0.03636 0.03200 0.03000 0.02759
0.02282 0.01787 0.01233 mth 25 0.04018 0.03438 0.03040 0.02842 0.02610
0.02157 0.01670 0.01152 mth 26 0.03818 0.03251 0.02889 0.02692 0.02468
0.02038 0.01562 0.01062 mth 27 0.03627 0.03074 0.02744 0.02551 0.02334
0.01926 0.01460 0.00992 mth 28 0.03445 0.02908 0.02607 0.02417 0.02208
0.01820 0.01365 0.00915 mth 29 0.03273 0.02750 0.02476 0.02290 0.02088
0.01720 0.01270 0.00839 mth 30 0.03109 0.02602 0.02352 0.02170 0.01975
0.01625 0.01181 0.00780 mth 31 0.02954 0.02460 0.02234 0.02056 0.01868
0.01528 0.01099 0.00725 mth 32 0.02806 0.02327 0.02123 0.01948 0.01768
0.01421 0.01022 0.00675 mth 33 0.02665 0.02202 0.02017 0.01850 0.01672
0.01307 0.00950 0.00627 mth 34 0.02546 0.02083 0.01916 0.01777 0.01581
0.01203 0.00890 0.00587 mth 35 0.02431 0.01970 0.01820 0.01724 0.01495
0.01112 0.00835 0.00559 mth 36 0.02346 0.01854 0.01748 0.01648 0.01420
0.01035 0.00781 0.00531 mth 37 0.02264 0.01746 0.01678 0.01576 0.01350
0.00962 0.00725 0.00493 mth 38 0.02186 0.01643 0.01611 0.01507 0.01282
0.00895 0.00669 0.00454 mth 39 0.02109 0.01547 0.01546 0.01441 0.01218
0.00832 0.00613 0.00417 mth 40 0.02046 0.01499 0.01484 0.01379 0.01157
0.00774 0.00566 0.00385 mth 41 0.01984 0.01411 0.01424 0.01319 0.01099
0.00720 0.00525 0.00357 mth 42 0.01924 0.01330 0.01368 0.01261 0.01044
0.00669 0.00496 0.00342 mth 43 0.01866 0.01252 0.01313 0.01206 0.00993
0.00622 0.00463 0.00319 mth 44 0.01811 0.01162 0.01260 0.01153 0.00943
0.00579 0.00433 0.00304 mth 45 0.01757 0.01110 0.01209 0.01101 0.00896
0.00544 0.00408 0.00286 mth 46 0.01704 0.01065 0.01161 0.01035 0.00851
0.00517 0.00389 0.00272 mth 47 0.01653 0.01022 0.01114 0.00984 0.00808
0.00496 0.00365 0.00255 mth 48 0.01620 0.00992 0.01069 0.00915 0.00766
0.00481 0.00355 0.00248 mth 49 0.01588 0.00962 0.01026 0.00851 0.00726
0.00467 0.00344 0.00240 mth 50 0.01556 0.00933 0.00986 0.00791 0.00688
0.00453 0.00333 0.00233 mth 51 0.01525 0.00905 0.00946 0.00735 0.00652
0.00439 0.00323 0.00226 mth 52 0.01494 0.00878 0.00908 0.00683 0.00618
0.00426 0.00317 0.00222 mth 53 0.01464 0.00852 0.00872 0.00635 0.00587
0.00413 0.00313 0.00219 mth 54 0.01435 0.00826 0.00837 0.00591 0.00556
0.00401 0.00310 0.00217 mth 55 0.01407 0.00819 0.00803 0.00555 0.00527
0.00389 0.00307 0.00215 mth 56 0.01379 0.00777 0.00771 0.00522 0.00500
0.00377 0.00304 0.00212 mth 57 0.01351 0.00754 0.00740 0.00496 0.00474
0.00366 0.00301 0.00210 mth 58 0.01324 0.00731 0.00710 0.00471 0.00449
0.00355 0.00298 0.00208 mth 59 0.01297 0.00709 0.00682 0.00462 0.00426
0.00344 0.00294 0.00205 mth 60 0.01271 0.00688 0.00655 0.00453 0.00404
0.03037 0.02409 year 5 0.10681 0.07021 0.06244 0.04987 0.04228
0.02773 0.02740 year 6 0.07152 0.05119 0.04786 0.04118 0.03714
0.02578 0.03011 year 7 0.04885 0.03819 0.03757 0.03484 0.03343
0.02396 0.02778 year 8 0.03325 0.02844 0.02947 0.02949 0.03009
0.02228 0.02671 year 9 0.02258 0.02117 0.02308 0.02493 0.02708
0.02188 year 10 0.01869 0.01617 0.01773 0.02063 0.02387
0.02264 year 11 0.01935 0.01622 0.01825 0.02125 0.02458
0.02300 year 12 0.02003 0.01635 0.01879 0.02191 0.02533
0.02333 year 13 0.02073 0.01673 0.01938 0.02251 0.02612
0.02374 year 14 0.02041 0.01714 0.01998 0.02316 0.02696
year 15 0.01617 0.01773 0.02063 0.02387 0.02785
year 16 0.01622 0.01825 0.02125 0.02458 0.02879
year 17 0.01635 0.01879 0.02191 0.02533 0.02978
year 18 0.01673 0.01938 0.02251 0.02612 0.03084
year 19 0.01714 0.01998 0.02316 0.02696 0.03198
year 20 0.01773 0.02063 0.02387 0.02785 0.03315
year 21 0.01825 0.02125 0.02458 0.02879 0.03442
year 22 0.01879 0.02191 0.02533 0.02978 0.03510
year 23 0.01938 0.02251 0.02612 0.03084 0.03575
year 24 0.01998 0.02316 0.02696 0.03198 0.03647
year 25 0.02063 0.02387 0.02785 0.03315
year 26 0.02125 0.02458 0.02879 0.03442
year 27 0.02191 0.02533 0.02978 0.03510
year 28 0.02251 0.02612 0.03084 0.03575
year 29 0.02316 0.02696 0.03198 0.03647
year 30 0.02387 0.02785 0.03315
year 31 0.02458 0.02879 0.03442
year 32 0.02533 0.02978 0.03510
year 33 0.02612 0.03084 0.03575
year 34 0.02696 0.03198 0.03647
year 35 0.02785 0.03315
year 36 0.02879 0.03442
year 37 0.02978 0.03510
year 38 0.03084 0.03575
year 39 0.03198 0.03647
year 40 0.03315
year 41 0.03442
year 42 0.03510
year 43 0.03575
year 44 0.03647
rminations)
ing month 60, then annual.
Age at Disability
45–49 50–54 55–59 60–64
0.06416 0.06095 0.05119 0.04863
0.06320 0.06004 0.05043 0.04791
0.06225 0.05913 0.04968 0.04571
0.06065 0.05640 0.04850 0.04365
0.05814 0.05290 0.04550 0.03685
0.05566 0.05010 0.04308 0.03317
0.05231 0.04708 0.04049 0.02986
0.04949 0.04404 0.03788 0.02754
0.04680 0.04166 0.03532 0.02541
0.04427 0.03940 0.03294 0.02344
0.04188 0.03727 0.03071 0.02163
0.03961 0.03525 0.02864 0.01995
0.03747 0.03335 0.02670 0.01840
0.03544 0.03154 0.02490 0.01698
0.03353 0.02984 0.02322 0.01566
0.03171 0.02822 0.02166 0.01444
0.02981 0.02638 0.02019 0.01333
0.02802 0.02467 0.01882 0.01229
0.02633 0.02306 0.01756 0.01134
0.02476 0.02163 0.01637 0.01046
0.02327 0.02028 0.01522 0.00974
0.02188 0.01901 0.01415 0.00906
0.02056 0.01783 0.01317 0.00842
0.01932 0.01671 0.01225 0.00783
0.01816 0.01566 0.01139 0.00728
0.01708 0.01468 0.01059 0.00677
0.01605 0.01377 0.00986 0.00629
0.01508 0.01291 0.00917 0.00586
0.01417 0.01210 0.00853 0.00545
0.01333 0.01134 0.00802 0.00518
0.01253 0.01063 0.00754 0.00492
0.01184 0.01010 0.00716 0.00477
0.01119 0.00960 0.00687 0.00467
0.01057 0.00917 0.00659 0.00460
0.01000 0.00876 0.00639 0.00453
0.00945 0.00836 0.00620 0.00446
0.00893 0.00798 0.00602 0.00439
0.00844 0.00762 0.00584 0.00432
0.00797 0.00728 0.00566 0.00426
0.00753 0.00695 0.00549 0.00420
0.00711 0.00664 0.00533 0.00414
0.00675 0.00631 0.00517 0.00408
0.00641 0.00604 0.00501 0.00402
0.00615 0.00577 0.00485 0.00396
0.00591 0.00554 0.00469 0.00390
0.00573 0.00532 0.00454 0.00384
0.00556 0.00511 0.00439 0.00378
0.00539 0.00491 0.00425 0.00372
0.00528 0.00471 0.00411 0.00366
0.00517 0.00452 0.00398 0.00360
0.00512 0.00438 0.00385 0.00355
0.00495 0.00425 0.00372 0.00350
0.00469 0.00416 0.00360 0.00345
0.00445 0.00408 0.00348 0.00340
0.00422 0.00404 0.00337 0.00333
0.00400 0.00400 0.00326 0.00326
0.04298 0.04148 0.03690 -
0.03960 0.03976 0.03743 -
0.03742 0.03909 0.03892 -
0.03533 0.03843 0.04050 -
0.03338 0.03779 0.04211 -
0.02785 0.03315
0.02879 0.03442
0.02978 0.03510
0.03084 0.03575
0.03198 0.03647
0.03315
0.03442
0.03510
0.03575
0.03647
Change in Definition Adjustment
Termination Rates – Québec – female

Age at disability
under 25 25–29 30–34 35–39
key rate for mth 28 0.51000 0.41000 0.41000 0.35000
Multiplicative adjustment
for each month 0.98500 0.98500 0.98500 0.98500
2 mth prior 10% 10% 10% 10%

1 mth prior 20% 20% 20% 20%
at change date 50% 50% 50% 50%
1 mth following 15% 15% 15% 15%
2 mth following 5% 5% 5% 5%
Example Calculation (note formulas in the cells)
Policy has a 180-day waiting period with change of definition after 24 months from end of waiting period (i.e., in month 30).
Claimant is Québec female age 33 at disability.
Step 1 – Determine month of CiD. 30
Step 2 – Find key rate at month 28. 0.41000
Step 3 – Adjustment factor for CiD not in month 28. 0.97022500
Step 4 – Adjust key rate to month 30. 0.39779
Step 5 – Distribution key rate adjustment. month

28 0.03978
29 0.07956
30 0.19890
31 0.05967
32 0.01989
Step 5 – Find base rate. 28 0.04322

29 0.04106
30 0.03900
31 0.03705
32 0.03519
Step 6 – Add components for final rates. 28 0.08300

29 0.12062
30 0.23790
31 0.09672
32 0.05508
Compare final to base rates. 28 192%

29 294%
30 610%
31 261%
32 157%
009–2015
c – female Termination Rates – Québec – male

Age at disability
40–44 45–49 50–54 55–59 60–64 under 25 25–29 30–34
0.35000 0.34000 0.30000 0.22500 0.10000 0.65000 0.52000 0.50000
0.98500 0.98500 0.98500 0.98500 0.98500 0.98500 0.98500 0.98500
10% 10% 10% 10% 10% 5% 5% 5%

20% 20% 20% 20% 20% 15% 15% 15%
50% 50% 50% 50% 50% 55% 55% 55%
15% 15% 15% 15% 15% 20% 20% 20%
5% 5% 5% 5% 5% 5% 5% 5%
g period (i.e., in month 30).
an integer value
Note: factor would be greater than 1.00 if CiD occurs before month 28.
tes – Québec – male Termination Rates – Rest of Can
Age at disability
35–39 40–44 45–49 50–54 55–59 60–64 under 25 25–29
0.44000 0.39000 0.35000 0.23000 0.15000 0.10000 0.40000 0.32000
0.98500 0.98500 0.98500 0.98500 0.98500 0.98500 0.98500 0.98500
5% 5% 5% 5% 5% 5% 10% 10%
15% 15% 15% 15% 15% 15% 20% 20%
55% 55% 55% 55% 55% 55% 50% 50%
20% 20% 20% 20% 20% 20% 15% 15%
5% 5% 5% 5% 5% 5% 5% 5%
ation Rates – Rest of Canada – female Termination Rates – Res
Age at disability
30–34 35–39 40–44 45–49 50–54 55–59 60–64 under 25
0.29000 0.27000 0.26000 0.20000 0.20000 0.14500 0.07000 0.42500
0.98500 0.98500 0.98500 0.98500 0.98500 0.98500 0.98500 0.98500
10% 10% 10% 10% 10% 10% 10% 5%

20% 20% 20% 20% 20% 20% 20% 15%
50% 50% 50% 50% 50% 50% 50% 55%
15% 15% 15% 15% 15% 15% 15% 20%
5% 5% 5% 5% 5% 5% 5% 5%
Termination Rates – Rest of Canada – male
Age at disability
25–29 30–34 35–39 40–44 45–49 50–54 55–59 60–64
0.42500 0.40000 0.31500 0.26000 0.22000 0.17000 0.13000 0.07000
0.98500 0.98500 0.98500 0.98500 0.98500 0.98500 0.98500 0.98500
5% 5% 5% 5% 5% 5% 5% 5%
15% 15% 15% 15% 15% 15% 15% 15%
55% 55% 55% 55% 55% 55% 55% 55%
20% 20% 20% 20% 20% 20% 20% 20%
5% 5% 5% 5% 5% 5% 5% 5%
Mortality Table
Female – Québec (mortality)
Age at Disability
Month/Year Under 25 25–29 30–34 35–39 40–44 45–49 50–54 55–59
mth 4
mth 5 0.00059 0.00066 0.00070 0.00072 0.00079 0.00100 0.00124 0.00162
mth 6 0.00083 0.00092 0.00099 0.00099 0.00111 0.00144 0.00177 0.00248
mth 7 0.00099 0.00111 0.00121 0.00122 0.00135 0.00174 0.00215 0.00312
mth 8 0.00112 0.00128 0.00136 0.00137 0.00153 0.00197 0.00241 0.00361
mth 9 0.00124 0.00140 0.00149 0.00150 0.00168 0.00217 0.00264 0.00396
mth 10 0.00134 0.00150 0.00161 0.00161 0.00181 0.00232 0.00285 0.00423
mth 11 0.00141 0.00158 0.00170 0.00171 0.00192 0.00245 0.00301 0.00445
mth 12 0.00148 0.00167 0.00179 0.00179 0.00201 0.00257 0.00316 0.00460
mth 13 0.00154 0.00174 0.00186 0.00187 0.00209 0.00269 0.00329 0.00471
mth 14 0.00159 0.00180 0.00193 0.00194 0.00217 0.00277 0.00340 0.00479
mth 15 0.00165 0.00185 0.00199 0.00200 0.00224 0.00286 0.00352 0.00484
mth 16 0.00169 0.00191 0.00204 0.00205 0.00229 0.00293 0.00362 0.00487
mth 17 0.00173 0.00195 0.00209 0.00210 0.00234 0.00300 0.00370 0.00488
mth 18 0.00177 0.00199 0.00214 0.00215 0.00238 0.00307 0.00376 0.00487
mth 19 0.00180 0.00203 0.00218 0.00219 0.00243 0.00313 0.00383 0.00486
mth 20 0.00183 0.00206 0.00221 0.00222 0.00247 0.00318 0.00389 0.00483
mth 21 0.00185 0.00209 0.00224 0.00226 0.00250 0.00322 0.00395 0.00479
mth 22 0.00188 0.00213 0.00227 0.00228 0.00253 0.00327 0.00401 0.00475
mth 23 0.00191 0.00215 0.00229 0.00230 0.00255 0.00330 0.00405 0.00470
mth 24 0.00193 0.00217 0.00231 0.00232 0.00259 0.00333 0.00409 0.00465
mth 25 0.00195 0.00219 0.00234 0.00235 0.00261 0.00337 0.00412 0.00460
mth 26 0.00196 0.00221 0.00235 0.00236 0.00263 0.00339 0.00416 0.00454
mth 27 0.00197 0.00223 0.00237 0.00238 0.00266 0.00341 0.00419 0.00449
mth 28 0.00199 0.00224 0.00239 0.00240 0.00268 0.00345 0.00421 0.00443
mth 29 0.00200 0.00225 0.00240 0.00241 0.00269 0.00346 0.00423 0.00436
mth 30 0.00201 0.00226 0.00241 0.00242 0.00270 0.00348 0.00425 0.00429
mth 31 0.00201 0.00226 0.00242 0.00243 0.00272 0.00349 0.00427 0.00423
mth 32 0.00201 0.00226 0.00241 0.00243 0.00271 0.00349 0.00426 0.00418
mth 33 0.00200 0.00226 0.00241 0.00242 0.00270 0.00348 0.00425 0.00412
mth 34 0.00197 0.00222 0.00237 0.00238 0.00266 0.00341 0.00419 0.00406
mth 35 0.00193 0.00218 0.00231 0.00233 0.00259 0.00334 0.00410 0.00400
mth 36 0.00187 0.00212 0.00226 0.00227 0.00252 0.00325 0.00399 0.00392
mth 37 0.00182 0.00205 0.00220 0.00221 0.00245 0.00316 0.00387 0.00386
mth 38 0.00176 0.00199 0.00214 0.00215 0.00238 0.00306 0.00376 0.00380
mth 39 0.00171 0.00193 0.00206 0.00207 0.00230 0.00296 0.00365 0.00375
mth 40 0.00165 0.00186 0.00199 0.00200 0.00224 0.00286 0.00353 0.00369
mth 41 0.00159 0.00180 0.00193 0.00194 0.00217 0.00277 0.00340 0.00364
mth 42 0.00154 0.00174 0.00186 0.00187 0.00209 0.00268 0.00328 0.00358
mth 43 0.00144 0.00162 0.00174 0.00175 0.00196 0.00250 0.00308 0.00352
mth 44 0.00139 0.00157 0.00168 0.00169 0.00188 0.00242 0.00297 0.00345
mth 45 0.00135 0.00152 0.00162 0.00164 0.00182 0.00234 0.00287 0.00339
mth 46 0.00131 0.00147 0.00157 0.00158 0.00177 0.00227 0.00278 0.00333
mth 47 0.00127 0.00142 0.00152 0.00153 0.00171 0.00221 0.00270 0.00328
mth 48 0.00125 0.00140 0.00150 0.00150 0.00168 0.00217 0.00264 0.00323
mth 49 0.00123 0.00138 0.00147 0.00148 0.00166 0.00214 0.00260 0.00318
mth 50 0.00121 0.00135 0.00145 0.00146 0.00162 0.00210 0.00255 0.00312
mth 51 0.00119 0.00133 0.00142 0.00143 0.00160 0.00206 0.00252 0.00307
mth 52 0.00116 0.00131 0.00140 0.00141 0.00157 0.00203 0.00248 0.00302
mth 53 0.00114 0.00129 0.00138 0.00139 0.00154 0.00200 0.00244 0.00297
mth 54 0.00111 0.00127 0.00136 0.00136 0.00152 0.00197 0.00240 0.00292
mth 55 0.00109 0.00125 0.00134 0.00134 0.00150 0.00193 0.00236 0.00287
mth 56 0.00108 0.00123 0.00132 0.00132 0.00147 0.00189 0.00232 0.00283
mth 57 0.00106 0.00121 0.00129 0.00130 0.00145 0.00186 0.00229 0.00278
mth 58 0.00104 0.00119 0.00127 0.00128 0.00143 0.00184 0.00226 0.00274
mth 59 0.00103 0.00116 0.00125 0.00126 0.00141 0.00181 0.00223 0.00269
mth 60 0.00101 0.00115 0.00124 0.00124 0.00139 0.00178 0.00219 0.00265
year 5 0.01020 0.01131 0.01230 0.01274 0.01080 0.01832 0.02264 0.02777
year 6 0.00826 0.00904 0.01005 0.01081 0.01233 0.01567 0.01949 0.02410
year 7 0.00669 0.00721 0.00832 0.00937 0.01088 0.01373 0.01719 0.02139
year 8 0.00547 0.00584 0.00711 0.00845 0.00998 0.01255 0.01575 0.01966
year 9 0.00464 0.00494 0.00642 0.00806 0.00968 0.01212 0.01514 0.01890
year 10 0.00360 0.00459 0.00595 0.00836 0.01050 0.01291 0.01636
year 11 0.00385 0.00466 0.00648 0.00881 0.01091 0.01352 0.01720
year 12 0.01050 0.00488 0.00693 0.00926 0.01135 0.01414 0.01767
year 13 0.00459 0.00515 0.00742 0.00968 0.01184 0.01482 0.01810
year 14 0.00460 0.00554 0.00792 0.01008 0.01234 0.01557 0.01862
year 15 0.00459 0.00595 0.00836 0.01050 0.01291 0.01636
year 16 0.00466 0.00648 0.00881 0.01091 0.01352 0.01720
year 17 0.00488 0.00693 0.00926 0.01135 0.01414 0.01767
year 18 0.00515 0.00742 0.00968 0.01184 0.01482 0.01810
year 19 0.00554 0.00792 0.01008 0.01234 0.01557 0.01862
year 20 0.00595 0.00836 0.01050 0.01291 0.01636
year 21 0.00648 0.00881 0.01091 0.01352 0.01720
year 22 0.00693 0.00926 0.01135 0.01414 0.01767
year 23 0.00742 0.00968 0.01184 0.01482 0.01810
year 24 0.00792 0.01008 0.01234 0.01557 0.01862
year 25 0.00836 0.01050 0.01291 0.01636
year 26 0.00881 0.01091 0.01352 0.01720
year 27 0.00926 0.01135 0.01414 0.01767
year 28 0.00968 0.01184 0.01482 0.01810
year 29 0.01008 0.01234 0.01557 0.01862
year 30 0.01050 0.01291 0.01636
year 31 0.01091 0.01352 0.01720
year 32 0.01135 0.01414 0.01767
year 33 0.01184 0.01482 0.01810
year 34 0.01234 0.01557 0.01862
year 35 0.01291 0.01636
year 36 0.01352 0.01720
year 37 0.01414 0.01767
year 38 0.01482 0.01810
year 39 0.01557 0.01862
year 40 0.01636
year 41 0.01720
year 42 0.01767
year 43 0.01810
year 44 0.01862
2009–2015
Male – Québec (mortality)

Age at Disability
60–64 Month/Year Under 25 25–29 30–34 35–39 40–44 45–49 50–54
mth 4
0.00219 mth 5 0.00159 0.00178 0.00190 0.00191 0.00213 0.00273 0.00336
0.00333 mth 6 0.00166 0.00184 0.00198 0.00198 0.00221 0.00284 0.00348
0.00419 mth 7 0.00172 0.00191 0.00205 0.00206 0.00229 0.00295 0.00362
0.00483 mth 8 0.00179 0.00199 0.00212 0.00213 0.00238 0.00305 0.00375
0.00528 mth 9 0.00184 0.00206 0.00220 0.00221 0.00245 0.00318 0.00390
0.00563 mth 10 0.00191 0.00213 0.00228 0.00229 0.00255 0.00329 0.00403
0.00590 mth 11 0.00196 0.00218 0.00234 0.00235 0.00262 0.00337 0.00414
0.00608 mth 12 0.00201 0.00224 0.00240 0.00240 0.00269 0.00345 0.00424
0.00620 mth 13 0.00207 0.00230 0.00245 0.00247 0.00275 0.00354 0.00434
0.00628 mth 14 0.00210 0.00235 0.00251 0.00252 0.00280 0.00361 0.00442
0.00633 mth 15 0.00214 0.00238 0.00255 0.00256 0.00286 0.00368 0.00451
0.00635 mth 16 0.00218 0.00242 0.00260 0.00261 0.00291 0.00374 0.00460
0.00634 mth 17 0.00221 0.00245 0.00264 0.00265 0.00295 0.00379 0.00467
0.00631 mth 18 0.00224 0.00250 0.00268 0.00269 0.00300 0.00384 0.00472
0.00627 mth 19 0.00227 0.00253 0.00271 0.00272 0.00304 0.00391 0.00479
0.00621 mth 20 0.00229 0.00256 0.00273 0.00274 0.00306 0.00395 0.00483
0.00614 mth 21 0.00232 0.00258 0.00276 0.00277 0.00309 0.00398 0.00488
0.00607 mth 22 0.00234 0.00261 0.00279 0.00280 0.00312 0.00402 0.00493
0.00599 mth 23 0.00235 0.00262 0.00280 0.00281 0.00314 0.00404 0.00496
0.00591 mth 24 0.00237 0.00264 0.00282 0.00283 0.00316 0.00407 0.00499
0.00583 mth 25 0.00238 0.00266 0.00284 0.00285 0.00319 0.00410 0.00502
0.00568 mth 26 0.00239 0.00267 0.00286 0.00287 0.00321 0.00411 0.00504
0.00562 mth 27 0.00240 0.00268 0.00287 0.00288 0.00322 0.00413 0.00507
0.00554 mth 28 0.00240 0.00270 0.00288 0.00289 0.00323 0.00415 0.00509
0.00546 mth 29 0.00241 0.00270 0.00289 0.00290 0.00324 0.00416 0.00510
0.00537 mth 30 0.00241 0.00271 0.00290 0.00291 0.00325 0.00417 0.00511
0.00529 mth 31 0.00242 0.00272 0.00290 0.00291 0.00326 0.00418 0.00513
0.00522 mth 32 0.00241 0.00271 0.00289 0.00290 0.00325 0.00417 0.00511
0.00514 mth 33 0.00240 0.00269 0.00288 0.00289 0.00323 0.00415 0.00508
0.00507 mth 34 0.00237 0.00264 0.00283 0.00284 0.00316 0.00407 0.00499
0.00500 mth 35 0.00231 0.00258 0.00276 0.00277 0.00309 0.00398 0.00488
0.00490 mth 36 0.00225 0.00251 0.00269 0.00270 0.00301 0.00386 0.00474
0.00482 mth 37 0.00218 0.00242 0.00261 0.00262 0.00292 0.00374 0.00461
0.00475 mth 38 0.00211 0.00236 0.00252 0.00253 0.00282 0.00363 0.00445
0.00468 mth 39 0.00205 0.00228 0.00243 0.00244 0.00273 0.00351 0.00431
0.00461 mth 40 0.00198 0.00221 0.00237 0.00238 0.00265 0.00339 0.00418
0.00455 mth 41 0.00191 0.00213 0.00229 0.00230 0.00256 0.00330 0.00404
0.00447 mth 42 0.00185 0.00207 0.00221 0.00222 0.00247 0.00319 0.00391
0.00440 mth 43 0.00174 0.00193 0.00207 0.00208 0.00232 0.00298 0.00365
0.00431 mth 44 0.00168 0.00187 0.00200 0.00201 0.00224 0.00288 0.00353
0.00424 mth 45 0.00163 0.00181 0.00194 0.00195 0.00217 0.00278 0.00342
0.00416 mth 46 0.00157 0.00176 0.00188 0.00188 0.00210 0.00271 0.00333
0.00410 mth 47 0.00152 0.00171 0.00182 0.00183 0.00204 0.00262 0.00322
0.00403 mth 48 0.00150 0.00168 0.00180 0.00180 0.00201 0.00258 0.00316
0.00391 mth 49 0.00148 0.00165 0.00178 0.00178 0.00198 0.00254 0.00312
0.00379 mth 50 0.00146 0.00163 0.00175 0.00175 0.00195 0.00250 0.00307
0.00367 mth 51 0.00144 0.00160 0.00172 0.00173 0.00192 0.00247 0.00303
0.00357 mth 52 0.00143 0.00158 0.00170 0.00170 0.00189 0.00242 0.00299
0.00348 mth 53 0.00141 0.00156 0.00167 0.00168 0.00187 0.00239 0.00294
0.00338 mth 54 0.00139 0.00153 0.00165 0.00165 0.00184 0.00237 0.00290
0.00330 mth 55 0.00137 0.00151 0.00162 0.00163 0.00181 0.00234 0.00286
0.00322 mth 56 0.00135 0.00149 0.00160 0.00161 0.00180 0.00230 0.00282
0.00314 mth 57 0.00133 0.00147 0.00158 0.00158 0.00178 0.00227 0.00278
0.00308 mth 58 0.00132 0.00145 0.00156 0.00156 0.00175 0.00224 0.00274
0.00301 mth 59 0.00130 0.00144 0.00154 0.00154 0.00173 0.00221 0.00272
0.00295 mth 60 0.00128 0.00143 0.00152 0.00152 0.00170 0.00218 0.00268
year 5 0.01415 0.01535 0.01662 0.01714 0.01932 0.02458 0.03033
year 6 0.01240 0.01307 0.01438 0.01533 0.01751 0.02213 0.02744
year 7 0.01103 0.01131 0.01274 0.01409 0.01635 0.02052 0.02550
year 8 0.01008 0.01006 0.01168 0.01343 0.01587 0.01978 0.02452
year 9 0.00956 0.00934 0.01119 0.01337 0.01604 0.01989 0.02449
year 10 0.01103 0.01019 0.01184 0.01485 0.01821 0.02235 0.02781
year 11 0.01100 0.01026 0.01238 0.01549 0.01895 0.02331 0.02911
year 12 0.01096 0.01039 0.01295 0.01618 0.01974 0.02432 0.02982
year 13 0.01093 0.01080 0.01356 0.01682 0.02054 0.02544 0.03048
year 14 0.01033 0.01121 0.01419 0.01748 0.02142 0.02660 0.03124
year 15 0.01019 0.01184 0.01485 0.01821 0.02235 0.02781
year 16 0.01026 0.01238 0.01549 0.01895 0.02331 0.02911
year 17 0.01039 0.01295 0.01618 0.01974 0.02432 0.02982
year 18 0.01080 0.01356 0.01682 0.02054 0.02544 0.03048
year 19 0.01121 0.01419 0.01748 0.02142 0.02660 0.03124
year 20 0.01184 0.01485 0.01821 0.02235 0.02781
year 21 0.01238 0.01549 0.01895 0.02331 0.02911
year 22 0.01295 0.01618 0.01974 0.02432 0.02982
year 23 0.01356 0.01682 0.02054 0.02544 0.03048
year 24 0.01419 0.01748 0.02142 0.02660 0.03124
year 25 0.01485 0.01821 0.02235 0.02781
year 26 0.01549 0.01895 0.02331 0.02911
year 27 0.01618 0.01974 0.02432 0.02982
year 28 0.01682 0.02054 0.02544 0.03048
year 29 0.01748 0.02142 0.02660 0.03124
year 30 0.01821 0.02235 0.02781
year 31 0.01895 0.02331 0.02911
year 32 0.01974 0.02432 0.02982
year 33 0.02054 0.02544 0.03048
year 34 0.02142 0.02660 0.03124
year 35 0.02235 0.02781
year 36 0.02331 0.02911
year 37 0.02432 0.02982
year 38 0.02544 0.03048
year 39 0.02660 0.03124
year 40 0.02781
year 41 0.02911
year 42 0.02982
year 43 0.03048
year 44 0.03124
Female – Rest of Canada (mortality)
Age at Disability
55–59 60–64 Month/Year Under 25 25–29 30–34 35–39 40–44 45–49
mth 4
0.00439 0.00488 mth 5 0.00062 0.00079 0.00075 0.00095 0.00119 0.00141
0.00490 0.00543 mth 6 0.00096 0.00125 0.00118 0.00153 0.00187 0.00223
0.00528 0.00583 mth 7 0.00121 0.00156 0.00147 0.00191 0.00233 0.00277
0.00559 0.00616 mth 8 0.00136 0.00176 0.00166 0.00215 0.00262 0.00311
0.00581 0.00639 mth 9 0.00146 0.00187 0.00177 0.00229 0.00282 0.00333
0.00598 0.00656 mth 10 0.00151 0.00195 0.00183 0.00237 0.00292 0.00346
0.00611 0.00668 mth 11 0.00154 0.00198 0.00186 0.00241 0.00296 0.00351
0.00619 0.00675 mth 12 0.00154 0.00198 0.00186 0.00241 0.00297 0.00352
0.00623 0.00677 mth 13 0.00153 0.00197 0.00185 0.00239 0.00294 0.00349
0.00625 0.00678 mth 14 0.00150 0.00194 0.00182 0.00236 0.00290 0.00344
0.00624 0.00675 mth 15 0.00148 0.00189 0.00179 0.00232 0.00285 0.00337
0.00622 0.00671 mth 16 0.00144 0.00185 0.00176 0.00227 0.00279 0.00329
0.00619 0.00666 mth 17 0.00141 0.00181 0.00171 0.00222 0.00272 0.00322
0.00614 0.00659 mth 18 0.00137 0.00177 0.00167 0.00216 0.00264 0.00313
0.00607 0.00650 mth 19 0.00134 0.00172 0.00163 0.00211 0.00257 0.00305
0.00600 0.00640 mth 20 0.00130 0.00168 0.00158 0.00205 0.00251 0.00298
0.00593 0.00631 mth 21 0.00126 0.00163 0.00154 0.00199 0.00244 0.00289
0.00585 0.00621 mth 22 0.00123 0.00158 0.00150 0.00194 0.00237 0.00281
0.00576 0.00610 mth 23 0.00120 0.00154 0.00145 0.00188 0.00231 0.00274
0.00567 0.00599 mth 24 0.00116 0.00150 0.00141 0.00182 0.00225 0.00266
0.00559 0.00589 mth 25 0.00112 0.00146 0.00138 0.00178 0.00219 0.00258
0.00550 0.00579 mth 26 0.00109 0.00142 0.00134 0.00173 0.00213 0.00252
0.00541 0.00570 mth 27 0.00106 0.00138 0.00130 0.00169 0.00207 0.00245
0.00533 0.00561 mth 28 0.00103 0.00134 0.00127 0.00164 0.00202 0.00238
0.00525 0.00552 mth 29 0.00100 0.00131 0.00123 0.00160 0.00197 0.00232
0.00517 0.00544 mth 30 0.00098 0.00127 0.00120 0.00156 0.00192 0.00226
0.00508 0.00534 mth 31 0.00095 0.00124 0.00117 0.00152 0.00186 0.00221
0.00499 0.00525 mth 32 0.00093 0.00121 0.00114 0.00148 0.00181 0.00216
0.00492 0.00518 mth 33 0.00091 0.00118 0.00110 0.00144 0.00178 0.00211
0.00483 0.00508 mth 34 0.00088 0.00115 0.00108 0.00141 0.00173 0.00206
0.00475 0.00500 mth 35 0.00086 0.00111 0.00105 0.00138 0.00169 0.00201
0.00467 0.00491 mth 36 0.00084 0.00109 0.00103 0.00134 0.00165 0.00196
0.00460 0.00484 mth 37 0.00083 0.00106 0.00100 0.00131 0.00161 0.00192
0.00451 0.00474 mth 38 0.00081 0.00104 0.00098 0.00128 0.00158 0.00186
0.00444 0.00467 mth 39 0.00080 0.00102 0.00096 0.00126 0.00154 0.00182
0.00436 0.00459 mth 40 0.00078 0.00099 0.00094 0.00123 0.00151 0.00179
0.00430 0.00452 mth 41 0.00076 0.00097 0.00092 0.00120 0.00148 0.00175
0.00424 0.00446 mth 42 0.00076 0.00095 0.00090 0.00118 0.00145 0.00172
0.00417 0.00439 mth 43 0.00074 0.00093 0.00088 0.00115 0.00142 0.00168
0.00410 0.00431 mth 44 0.00073 0.00091 0.00086 0.00112 0.00139 0.00165
0.00404 0.00425 mth 45 0.00071 0.00090 0.00085 0.00110 0.00136 0.00162
0.00398 0.00419 mth 46 0.00070 0.00088 0.00084 0.00108 0.00134 0.00159
0.00392 0.00413 mth 47 0.00069 0.00086 0.00082 0.00106 0.00131 0.00156
0.00385 0.00405 mth 48 0.00067 0.00085 0.00081 0.00104 0.00129 0.00153
0.00379 0.00399 mth 49 0.00066 0.00084 0.00079 0.00102 0.00127 0.00150
0.00373 0.00393 mth 50 0.00065 0.00083 0.00078 0.00100 0.00125 0.00148
0.00369 0.00388 mth 51 0.00064 0.00081 0.00077 0.00099 0.00123 0.00145
0.00363 0.00382 mth 52 0.00063 0.00080 0.00076 0.00097 0.00121 0.00143
0.00358 0.00377 mth 53 0.00062 0.00079 0.00075 0.00096 0.00119 0.00141
0.00353 0.00372 mth 54 0.00061 0.00078 0.00074 0.00094 0.00117 0.00139
0.00348 0.00366 mth 55 0.00061 0.00076 0.00073 0.00093 0.00115 0.00137
0.00343 0.00361 mth 56 0.00060 0.00076 0.00072 0.00091 0.00112 0.00135
0.00338 0.00356 mth 57 0.00059 0.00075 0.00071 0.00090 0.00111 0.00133
0.00335 0.00353 mth 58 0.00059 0.00074 0.00070 0.00089 0.00109 0.00131
0.00331 0.00342 mth 59 0.00058 0.00073 0.00069 0.00087 0.00108 0.00129
0.00327 0.00339 mth 60 0.00057 0.00072 0.00068 0.00086 0.00106 0.00127
0.02767 year 5 0.00652 0.00810 0.00794 0.01042 0.01276 0.01519
0.02859 year 6 0.00566 0.00680 0.00703 0.00931 0.01142 0.01368
0.03152 year 7 0.00503 0.00584 0.00645 0.00859 0.01056 0.01274
0.03029 year 8 0.00459 0.00517 0.00618 0.00828 0.01016 0.01239
0.03010 year 9 0.00437 0.00481 0.00625 0.00835 0.01025 0.01263
year 10 0.00360 0.00459 0.00595 0.00836 0.01050 0.01291
year 11 0.00385 0.00466 0.00648 0.00881 0.01091 0.01352
year 12 0.01050 0.00488 0.00693 0.00926 0.01135 0.01414
year 13 0.00459 0.00515 0.00742 0.00968 0.01184 0.01482
year 14 0.00460 0.00554 0.00792 0.01008 0.01234 0.01557
year 15 0.00459 0.00595 0.00836 0.01050 0.01291 0.01636
year 16 0.00466 0.00648 0.00881 0.01091 0.01352 0.01720
year 17 0.00488 0.00693 0.00926 0.01135 0.01414 0.01767
year 18 0.00515 0.00742 0.00968 0.01184 0.01482 0.01810
year 19 0.00554 0.00792 0.01008 0.01234 0.01557 0.01862
year 20 0.00595 0.00836 0.01050 0.01291 0.01636
year 21 0.00648 0.00881 0.01091 0.01352 0.01720
year 22 0.00693 0.00926 0.01135 0.01414 0.01767
year 23 0.00742 0.00968 0.01184 0.01482 0.01810
year 24 0.00792 0.01008 0.01234 0.01557 0.01862
year 25 0.00836 0.01050 0.01291 0.01636
year 26 0.00881 0.01091 0.01352 0.01720
year 27 0.00926 0.01135 0.01414 0.01767
year 28 0.00968 0.01184 0.01482 0.01810
year 29 0.01008 0.01234 0.01557 0.01862
year 30 0.01050 0.01291 0.01636
year 31 0.01091 0.01352 0.01720
year 32 0.01135 0.01414 0.01767
year 33 0.01184 0.01482 0.01810
year 34 0.01234 0.01557 0.01862
year 35 0.01291 0.01636
year 36 0.01352 0.01720
year 37 0.01414 0.01767
year 38 0.01482 0.01810
year 39 0.01557 0.01862
year 40 0.01636
year 41 0.01720
year 42 0.01767
year 43 0.01810
year 44 0.01862
Male – Rest of Canada (mortality)
50–54 55–59 60–64 Month/Year Under 25 25–29 30–34 35–39 40–44
mth 4
0.00163 0.00184 0.00207 mth 5 0.00180 0.00152 0.00215 0.00279 0.00341
0.00256 0.00292 0.00326 mth 6 0.00205 0.00174 0.00245 0.00318 0.00391
0.00319 0.00364 0.00406 mth 7 0.00219 0.00234 0.00264 0.00341 0.00419
0.00361 0.00409 0.00456 mth 8 0.00227 0.00241 0.00273 0.00352 0.00432
0.00386 0.00436 0.00489 mth 9 0.00229 0.00243 0.00276 0.00356 0.00437
0.00400 0.00452 0.00507 mth 10 0.00228 0.00242 0.00275 0.00355 0.00435
0.00406 0.00459 0.00515 mth 11 0.00225 0.00239 0.00271 0.00350 0.00429
0.00406 0.00460 0.00516 mth 12 0.00221 0.00235 0.00266 0.00343 0.00422
0.00403 0.00456 0.00512 mth 13 0.00215 0.00229 0.00259 0.00334 0.00411
0.00397 0.00450 0.00505 mth 14 0.00209 0.00223 0.00252 0.00326 0.00400
0.00390 0.00441 0.00495 mth 15 0.00203 0.00216 0.00243 0.00315 0.00387
0.00381 0.00431 0.00483 mth 16 0.00197 0.00209 0.00237 0.00305 0.00375
0.00373 0.00421 0.00472 mth 17 0.00190 0.00203 0.00229 0.00295 0.00363
0.00364 0.00412 0.00460 mth 18 0.00184 0.00196 0.00222 0.00287 0.00351
0.00354 0.00401 0.00447 mth 19 0.00179 0.00190 0.00215 0.00277 0.00339
0.00344 0.00390 0.00435 mth 20 0.00172 0.00184 0.00208 0.00268 0.00329
0.00334 0.00380 0.00423 mth 21 0.00167 0.00179 0.00201 0.00260 0.00319
0.00325 0.00370 0.00412 mth 22 0.00161 0.00172 0.00194 0.00252 0.00308
0.00316 0.00360 0.00402 mth 23 0.00156 0.00166 0.00188 0.00243 0.00298
0.00307 0.00350 0.00391 mth 24 0.00151 0.00161 0.00182 0.00236 0.00289
0.00299 0.00339 0.00380 mth 25 0.00147 0.00156 0.00178 0.00229 0.00281
0.00291 0.00330 0.00371 mth 26 0.00143 0.00152 0.00171 0.00222 0.00272
0.00284 0.00321 0.00361 mth 27 0.00139 0.00147 0.00166 0.00215 0.00264
0.00276 0.00313 0.00351 mth 28 0.00135 0.00143 0.00162 0.00209 0.00256
0.00269 0.00304 0.00341 mth 29 0.00131 0.00140 0.00157 0.00203 0.00249
0.00261 0.00298 0.00332 mth 30 0.00128 0.00136 0.00153 0.00197 0.00241
0.00254 0.00290 0.00324 mth 31 0.00124 0.00132 0.00148 0.00192 0.00236
0.00249 0.00283 0.00316 mth 32 0.00121 0.00129 0.00144 0.00187 0.00229
0.00243 0.00276 0.00308 mth 33 0.00118 0.00125 0.00142 0.00182 0.00223
0.00237 0.00269 0.00300 mth 34 0.00115 0.00122 0.00138 0.00178 0.00218
0.00231 0.00262 0.00294 mth 35 0.00112 0.00119 0.00135 0.00173 0.00212
0.00226 0.00256 0.00287 mth 36 0.00109 0.00116 0.00131 0.00169 0.00207
0.00222 0.00251 0.00281 mth 37 0.00107 0.00114 0.00128 0.00165 0.00202
0.00217 0.00245 0.00274 mth 38 0.00103 0.00111 0.00125 0.00161 0.00198
0.00212 0.00240 0.00268 mth 39 0.00101 0.00109 0.00123 0.00158 0.00193
0.00207 0.00235 0.00262 mth 40 0.00099 0.00105 0.00120 0.00154 0.00189
0.00203 0.00230 0.00256 mth 41 0.00097 0.00103 0.00118 0.00151 0.00185
0.00199 0.00226 0.00252 mth 42 0.00096 0.00101 0.00115 0.00148 0.00182
0.00195 0.00221 0.00247 mth 43 0.00094 0.00099 0.00113 0.00145 0.00179
0.00191 0.00217 0.00242 mth 44 0.00092 0.00097 0.00111 0.00143 0.00175
0.00186 0.00213 0.00237 mth 45 0.00090 0.00096 0.00109 0.00141 0.00171
0.00183 0.00209 0.00233 mth 46 0.00089 0.00095 0.00107 0.00138 0.00168
0.00179 0.00205 0.00228 mth 47 0.00087 0.00093 0.00104 0.00136 0.00165
0.00177 0.00201 0.00225 mth 48 0.00086 0.00091 0.00102 0.00134 0.00163
0.00174 0.00198 0.00221 mth 49 0.00085 0.00090 0.00101 0.00131 0.00160
0.00171 0.00194 0.00218 mth 50 0.00083 0.00089 0.00099 0.00129 0.00158
0.00168 0.00191 0.00214 mth 51 0.00082 0.00087 0.00098 0.00128 0.00155
0.00166 0.00187 0.00211 mth 52 0.00081 0.00086 0.00096 0.00126 0.00153
0.00163 0.00184 0.00207 mth 53 0.00080 0.00085 0.00096 0.00124 0.00151
0.00160 0.00181 0.00204 mth 54 0.00079 0.00084 0.00095 0.00122 0.00149
0.00158 0.00179 0.00201 mth 55 0.00078 0.00083 0.00094 0.00121 0.00147
0.00156 0.00177 0.00198 mth 56 0.00077 0.00082 0.00093 0.00120 0.00146
0.00154 0.00175 0.00195 mth 57 0.00076 0.00081 0.00091 0.00118 0.00144
0.00152 0.00172 0.00193 mth 58 0.00075 0.00080 0.00090 0.00117 0.00143
0.00150 0.00170 0.00191 mth 59 0.00074 0.00079 0.00090 0.00116 0.00142
0.00148 0.00168 0.00189 mth 60 0.00074 0.00078 0.00089 0.00115 0.00140
0.01791 0.02083 year 5 0.00945 0.00970 0.01109 0.01428 0.01747
0.01642 0.01952 year 6 0.00915 0.00916 0.01063 0.01365 0.01667
0.01556 0.01884 year 7 0.00907 0.00896 0.01055 0.01347 0.01644
0.01529 0.01879 year 8 0.00920 0.00903 0.01085 0.01376 0.01678
0.01567 0.01938 year 9 0.00956 0.00940 0.01151 0.01449 0.01767
0.01636 year 10 0.01103 0.01019 0.01184 0.01485 0.01821
0.01720 year 11 0.01100 0.01026 0.01238 0.01549 0.01895
0.01767 year 12 0.01096 0.01039 0.01295 0.01618 0.01974
0.01810 year 13 0.01093 0.01080 0.01356 0.01682 0.02054
0.01862 year 14 0.01033 0.01121 0.01419 0.01748 0.02142
year 15 0.01019 0.01184 0.01485 0.01821 0.02235
year 16 0.01026 0.01238 0.01549 0.01895 0.02331
year 17 0.01039 0.01295 0.01618 0.01974 0.02432
year 18 0.01080 0.01356 0.01682 0.02054 0.02544
year 19 0.01121 0.01419 0.01748 0.02142 0.02660
year 20 0.01184 0.01485 0.01821 0.02235 0.02781
year 21 0.01238 0.01549 0.01895 0.02331 0.02911
year 22 0.01295 0.01618 0.01974 0.02432 0.02982
year 23 0.01356 0.01682 0.02054 0.02544 0.03048
year 24 0.01419 0.01748 0.02142 0.02660 0.03124
year 25 0.01485 0.01821 0.02235 0.02781
year 26 0.01549 0.01895 0.02331 0.02911
year 27 0.01618 0.01974 0.02432 0.02982
year 28 0.01682 0.02054 0.02544 0.03048
year 29 0.01748 0.02142 0.02660 0.03124
year 30 0.01821 0.02235 0.02781
year 31 0.01895 0.02331 0.02911
year 32 0.01974 0.02432 0.02982
year 33 0.02054 0.02544 0.03048
year 34 0.02142 0.02660 0.03124
year 35 0.02235 0.02781
year 36 0.02331 0.02911
year 37 0.02432 0.02982
year 38 0.02544 0.03048
year 39 0.02660 0.03124
year 40 0.02781
year 41 0.02911
year 42 0.02982
year 43 0.03048
year 44 0.03124
mortality)
Age at Disability
45–49 50–54 55–59 60–64
0.00405 0.00468 0.00530 0.00592

0.00463 0.00534 0.00606 0.00678
0.00496 0.00572 0.00649 0.00726
0.00512 0.00592 0.00672 0.00752
0.00518 0.00598 0.00679 0.00760
0.00516 0.00596 0.00676 0.00757
0.00509 0.00587 0.00667 0.00746
0.00498 0.00575 0.00653 0.00730
0.00486 0.00561 0.00637 0.00713
0.00473 0.00545 0.00619 0.00693
0.00459 0.00530 0.00602 0.00672
0.00444 0.00514 0.00582 0.00651
0.00430 0.00497 0.00563 0.00631
0.00417 0.00481 0.00545 0.00611
0.00403 0.00466 0.00527 0.00590
0.00390 0.00450 0.00511 0.00571
0.00377 0.00436 0.00495 0.00553
0.00365 0.00423 0.00479 0.00536
0.00353 0.00409 0.00465 0.00519
0.00342 0.00397 0.00449 0.00503
0.00333 0.00384 0.00435 0.00487
0.00323 0.00372 0.00423 0.00474
0.00312 0.00361 0.00411 0.00460
0.00303 0.00350 0.00399 0.00445
0.00294 0.00340 0.00387 0.00433
0.00287 0.00332 0.00376 0.00422
0.00279 0.00323 0.00366 0.00410
0.00272 0.00313 0.00356 0.00399
0.00265 0.00305 0.00347 0.00389
0.00258 0.00297 0.00338 0.00378
0.00252 0.00290 0.00330 0.00369
0.00245 0.00284 0.00322 0.00360
0.00239 0.00277 0.00314 0.00351
0.00234 0.00271 0.00307 0.00343
0.00229 0.00265 0.00300 0.00336
0.00224 0.00259 0.00293 0.00330
0.00220 0.00254 0.00287 0.00323
0.00215 0.00249 0.00282 0.00315
0.00211 0.00243 0.00277 0.00309
0.00207 0.00238 0.00272 0.00303
0.00203 0.00235 0.00267 0.00298
0.00200 0.00231 0.00262 0.00292
0.00196 0.00227 0.00258 0.00287
0.00193 0.00223 0.00253 0.00284
0.00190 0.00220 0.00249 0.00279
0.00187 0.00216 0.00245 0.00275
0.00184 0.00213 0.00241 0.00270
0.00182 0.00210 0.00238 0.00267
0.00180 0.00207 0.00235 0.00264
0.00178 0.00205 0.00232 0.00260
0.00175 0.00202 0.00229 0.00257
0.00173 0.00200 0.00227 0.00255
0.00171 0.00197 0.00224 0.00251
0.00169 0.00195 0.00222 0.00249
0.00167 0.00193 0.00219 0.00246
0.00165 0.00191 0.00217 0.00243
0.02076 0.02452 0.02858
0.01995 0.02395 0.02848
0.01982 0.02409 0.02906
0.02040 0.02491 0.03031
0.02164 0.02643 0.03222
0.02235 0.02781
0.02331 0.02911
0.02432 0.02982
0.02544 0.03048
0.02660 0.03124
0.02781
0.02911
0.02982
0.03048
0.03124
Recovery Table – base rates EXCLUDING mortality
Female – Québec (recoveries)
Age at Disability
Month/Year Under 25 25–29 30–34 35–39 40–44 45–49 50–54 55–59
mth 5 0.13602 0.13186 0.12784 0.12396 0.11028 0.10558 0.09784 0.09746
mth 6 0.13688 0.13266 0.12859 0.12470 0.11041 0.10565 0.09773 0.09702
mth 7 0.13617 0.13194 0.12785 0.12397 0.10972 0.10484 0.09693 0.09596
mth 8 0.13495 0.13070 0.12666 0.12281 0.10908 0.10311 0.09590 0.09392
mth 9 0.13207 0.12791 0.12394 0.12017 0.10742 0.10015 0.09460 0.08781
mth 10 0.12646 0.12247 0.11864 0.11503 0.10434 0.09534 0.09090 0.08150
mth 11 0.12199 0.11811 0.11440 0.11091 0.09984 0.09106 0.08676 0.07523
mth 12 0.11641 0.11268 0.10913 0.10580 0.09617 0.08765 0.08231 0.07104
mth 13 0.11004 0.10649 0.10314 0.09997 0.09160 0.08341 0.07764 0.06572
mth 14 0.10443 0.10104 0.09783 0.09483 0.08782 0.07993 0.07435 0.06078
mth 15 0.09848 0.09527 0.09222 0.08938 0.08366 0.07608 0.07064 0.05614
mth 16 0.09090 0.08790 0.08508 0.08246 0.07799 0.07084 0.06573 0.05184
mth 17 0.08464 0.08183 0.07918 0.07673 0.07333 0.06654 0.06167 0.04786
mth 18 0.07812 0.07550 0.07303 0.07077 0.06835 0.06193 0.05733 0.04418
mth 19 0.07283 0.07036 0.06803 0.06592 0.06432 0.05821 0.05348 0.04061
mth 20 0.06787 0.06555 0.06337 0.06139 0.05987 0.05413 0.04915 0.03703
mth 21 0.06469 0.06245 0.06037 0.05847 0.05573 0.05029 0.04532 0.03298
mth 22 0.06095 0.05882 0.05685 0.05507 0.05132 0.04621 0.04124 0.02899
mth 23 0.05745 0.05543 0.05356 0.05187 0.04723 0.04245 0.03718 0.02544
mth 24 0.05446 0.05252 0.05074 0.04914 0.04372 0.04014 0.03311 0.02241
mth 25 0.05161 0.04976 0.04806 0.04654 0.04104 0.03789 0.03085 0.01997
mth 26 0.04893 0.04715 0.04553 0.04408 0.03848 0.03572 0.02842 0.01835
mth 27 0.04638 0.04467 0.04312 0.04174 0.03631 0.03363 0.02615 0.01683
mth 28 0.04393 0.04230 0.04083 0.03952 0.03398 0.03160 0.02405 0.01543
mth 29 0.04163 0.04007 0.03866 0.03741 0.03203 0.02967 0.02209 0.01413
mth 30 0.03944 0.03794 0.03659 0.03541 0.02990 0.02781 0.02026 0.01293
mth 31 0.03737 0.03594 0.03463 0.03351 0.02805 0.02603 0.01855 0.01180
mth 32 0.03540 0.03403 0.03278 0.03171 0.02634 0.02433 0.01698 0.01075
mth 33 0.03373 0.03239 0.03120 0.03018 0.02475 0.02271 0.01552 0.00978
mth 34 0.03215 0.03087 0.02973 0.02876 0.02328 0.02123 0.01422 0.00887
mth 35 0.03065 0.02942 0.02835 0.02741 0.02192 0.01981 0.01303 0.00804
mth 36 0.02924 0.02807 0.02702 0.02613 0.02065 0.01848 0.01195 0.00728
mth 37 0.02789 0.02678 0.02576 0.02491 0.01944 0.01721 0.01096 0.00656
mth 38 0.02662 0.02554 0.02456 0.02375 0.01831 0.01602 0.01004 0.00590
mth 39 0.02539 0.02435 0.02344 0.02266 0.01725 0.01490 0.00919 0.00527
mth 40 0.02423 0.02325 0.02236 0.02162 0.01624 0.01383 0.00841 0.00470
mth 41 0.02313 0.02217 0.02133 0.02062 0.01529 0.01282 0.00771 0.00417
mth 42 0.02206 0.02116 0.02035 0.01967 0.01441 0.01186 0.00705 0.00368
mth 43 0.02110 0.02025 0.01947 0.01882 0.01363 0.01105 0.00653 0.00323
mth 44 0.01992 0.01909 0.01836 0.01775 0.01285 0.01020 0.00597 0.00283
mth 45 0.01878 0.01801 0.01732 0.01673 0.01203 0.00939 0.00547 0.00247
mth 46 0.01771 0.01698 0.01633 0.01578 0.01129 0.00864 0.00504 0.00216
mth 47 0.01671 0.01602 0.01539 0.01488 0.01066 0.00792 0.00466 0.00189
mth 48 0.01556 0.01490 0.01432 0.01384 0.01007 0.00732 0.00431 0.00166
mth 49 0.01449 0.01386 0.01332 0.01286 0.00955 0.00675 0.00400 0.00147
mth 50 0.01348 0.01291 0.01238 0.01195 0.00912 0.00622 0.00373 0.00132
mth 51 0.01255 0.01199 0.01151 0.01111 0.00873 0.00571 0.00349 0.00120
mth 52 0.01169 0.01115 0.01069 0.01031 0.00840 0.00523 0.00329 0.00110
mth 53 0.01088 0.01036 0.00992 0.00957 0.00813 0.00478 0.00312 0.00102
mth 54 0.01012 0.00962 0.00921 0.00889 0.00790 0.00434 0.00298 0.00097
mth 55 0.00941 0.00894 0.00854 0.00824 0.00771 0.00395 0.00274 0.00094
mth 56 0.00873 0.00829 0.00792 0.00764 0.00749 0.00358 0.00268 0.00092
mth 57 0.00819 0.00777 0.00742 0.00714 0.00699 0.00323 0.00263 0.00093
mth 58 0.00768 0.00727 0.00693 0.00667 0.00652 0.00289 0.00247 0.00095
mth 59 0.00722 0.00683 0.00650 0.00626 0.00611 0.00257 0.00215 0.00100
mth 60 0.00674 0.00637 0.00605 0.00583 0.00568 0.00228 0.00187 0.00106
year 5 0.07575 0.07292 0.07024 0.05532 0.03900 0.02666 0.03347 0.01759
year 6 0.05768 0.05558 0.05328 0.04235 0.02747 0.02126 0.01309 0.01612
year 7 0.04473 0.04319 0.04107 0.03286 0.02147 0.01712 0.01448 0.01682
year 8 0.03461 0.03344 0.03138 0.02506 0.01628 0.01319 0.01140 0.01582
year 9 0.02658 0.02566 0.02356 0.01854 0.01165 0.00937 0.00839 0.01518
year 10 0.01013 0.00944 0.00845 0.00756 0.00678 0.00611 0.00552
year 11 0.01012 0.00923 0.00825 0.00741 0.00665 0.00599 0.00544
year 12 0.00373 0.00903 0.00808 0.00724 0.00651 0.00586 0.00533
year 13 0.00993 0.00882 0.00789 0.00708 0.00636 0.00576 0.00523
year 14 0.00965 0.00862 0.00773 0.00694 0.00625 0.00563 0.00512
year 15 0.00944 0.00845 0.00756 0.00678 0.00611 0.00552
year 16 0.00923 0.00825 0.00741 0.00665 0.00599 0.00544
year 17 0.00903 0.00808 0.00724 0.00651 0.00586 0.00533
year 18 0.00882 0.00789 0.00708 0.00636 0.00576 0.00523
year 19 0.00862 0.00773 0.00694 0.00625 0.00563 0.00512
year 20 0.00845 0.00756 0.00678 0.00611 0.00552
year 21 0.00825 0.00741 0.00665 0.00599 0.00544
year 22 0.00808 0.00724 0.00651 0.00586 0.00533
year 23 0.00789 0.00708 0.00636 0.00576 0.00523
year 24 0.00773 0.00694 0.00625 0.00563 0.00512
year 25 0.00756 0.00678 0.00611 0.00552
year 26 0.00741 0.00665 0.00599 0.00544
year 27 0.00724 0.00651 0.00586 0.00533
year 28 0.00708 0.00636 0.00576 0.00523
year 29 0.00694 0.00625 0.00563 0.00512
year 30 0.00678 0.00611 0.00552
year 31 0.00665 0.00599 0.00544
year 32 0.00651 0.00586 0.00533
year 33 0.00636 0.00576 0.00523
year 34 0.00625 0.00563 0.00512
year 35 0.00611 0.00552
year 36 0.00599 0.00544
year 37 0.00586 0.00533
year 38 0.00576 0.00523
year 39 0.00563 0.00512
year 40 0.00552
year 41 0.00544
year 42 0.00533
year 43 0.00523
year 44 0.00512
2009–2015
NG mortality
Male – Québec (recoveries)
Age at Disability
60–64 Month/Year Under 25 25–29 30–34 35–39 40–44 45–49 50–54
0.08149 mth 5 0.16073 0.14785 0.14174 0.13536 0.12721 0.11594 0.10786
0.07952 mth 6 0.15955 0.14675 0.14067 0.13430 0.12657 0.11531 0.10725
0.07783 mth 7 0.15724 0.14461 0.13860 0.13126 0.12463 0.11349 0.10611
0.07554 mth 8 0.15039 0.13829 0.13255 0.12478 0.12039 0.10817 0.10299
0.07034 mth 9 0.14188 0.13042 0.12498 0.11867 0.10942 0.10079 0.09685
0.06502 mth 10 0.13336 0.12256 0.11742 0.11148 0.10181 0.09342 0.08824
0.05926 mth 11 0.12310 0.11485 0.11001 0.10551 0.09462 0.08740 0.07986
0.05343 mth 12 0.11057 0.10714 0.10260 0.10088 0.09026 0.08242 0.07357
0.04709 mth 13 0.10307 0.10036 0.09810 0.09608 0.08563 0.07776 0.06848
0.04222 mth 14 0.09599 0.09468 0.09252 0.09063 0.08074 0.07370 0.06319
0.03780 mth 15 0.08891 0.08861 0.08657 0.08479 0.07554 0.06964 0.05848
0.03381 mth 16 0.08331 0.08301 0.08107 0.07940 0.07074 0.06565 0.05413
0.03020 mth 17 0.07809 0.07780 0.07596 0.07439 0.06629 0.06141 0.05010
0.02694 mth 18 0.07327 0.07296 0.07123 0.06975 0.06218 0.05756 0.04639
0.02400 mth 19 0.06882 0.06851 0.06688 0.06548 0.05837 0.05395 0.04295
0.02133 mth 20 0.06405 0.06374 0.06220 0.06090 0.05428 0.05061 0.03956
0.01892 mth 21 0.05974 0.05950 0.05804 0.05682 0.05068 0.04719 0.03599
0.01674 mth 22 0.05695 0.05604 0.05467 0.05351 0.04774 0.04389 0.03334
0.01476 mth 23 0.05429 0.05284 0.05153 0.05044 0.04500 0.04085 0.03087
0.01287 mth 24 0.05169 0.04950 0.04825 0.04723 0.04196 0.03800 0.02876
0.01107 mth 25 0.04854 0.04572 0.04471 0.04373 0.03996 0.03530 0.02640
0.00953 mth 26 0.04576 0.04307 0.04210 0.04092 0.03702 0.03250 0.02423
0.00808 mth 27 0.04317 0.04061 0.03969 0.03829 0.03481 0.02991 0.02266
0.00674 mth 28 0.04075 0.03830 0.03744 0.03580 0.03274 0.02737 0.02125
0.00559 mth 29 0.03851 0.03617 0.03535 0.03347 0.03085 0.02527 0.01993
0.00491 mth 30 0.03642 0.03418 0.03340 0.03128 0.02878 0.02326 0.01867
0.00431 mth 31 0.03448 0.03233 0.03160 0.02922 0.02686 0.02116 0.01746
0.00377 mth 32 0.03294 0.03087 0.03017 0.02731 0.02475 0.01917 0.01613
0.00330 mth 33 0.03150 0.02951 0.02883 0.02566 0.02281 0.01757 0.01488
0.00288 mth 34 0.03016 0.02826 0.02761 0.02448 0.02106 0.01588 0.01386
0.00251 mth 35 0.02893 0.02711 0.02648 0.02341 0.01943 0.01497 0.01295
0.00221 mth 36 0.02780 0.02603 0.02504 0.02240 0.01816 0.01387 0.01220
0.00192 mth 37 0.02674 0.02505 0.02369 0.02148 0.01698 0.01283 0.01148
0.00166 mth 38 0.02574 0.02410 0.02300 0.02061 0.01589 0.01180 0.01083
0.00143 mth 39 0.02480 0.02324 0.02233 0.01981 0.01486 0.01128 0.01005
0.00122 mth 40 0.02396 0.02243 0.02164 0.01904 0.01388 0.01055 0.00941
0.00103 mth 41 0.02325 0.02177 0.02099 0.01833 0.01314 0.00984 0.00882
0.00087 mth 42 0.02255 0.02111 0.02037 0.01767 0.01244 0.00919 0.00825
0.00073 mth 43 0.02193 0.02055 0.01984 0.01687 0.01185 0.00869 0.00786
0.00062 mth 44 0.02127 0.01994 0.01924 0.01619 0.01122 0.00813 0.00737
0.00051 mth 45 0.02064 0.01935 0.01866 0.01541 0.01062 0.00760 0.00689
0.00042 mth 46 0.02003 0.01876 0.01790 0.01492 0.01005 0.00703 0.00636
0.00032 mth 47 0.01944 0.01820 0.01716 0.01445 0.00949 0.00651 0.00588
0.00024 mth 48 0.01862 0.01743 0.01624 0.01396 0.00856 0.00594 0.00532
0.00023 mth 49 0.01783 0.01669 0.01535 0.01328 0.00807 0.00540 0.00477
0.00022 mth 50 0.01688 0.01580 0.01443 0.01256 0.00760 0.00486 0.00422
0.00022 mth 51 0.01598 0.01495 0.01357 0.01196 0.00715 0.00435 0.00370
0.00021 mth 52 0.01512 0.01414 0.01274 0.01144 0.00673 0.00387 0.00317
0.00020 mth 53 0.01431 0.01337 0.01200 0.01093 0.00632 0.00342 0.00271
0.00020 mth 54 0.01354 0.01265 0.01126 0.01045 0.00602 0.00293 0.00231
0.00019 mth 55 0.01281 0.01197 0.01057 0.00998 0.00573 0.00261 0.00188
0.00019 mth 56 0.01213 0.01131 0.00992 0.00953 0.00544 0.00233 0.00149
0.00019 mth 57 0.01175 0.01095 0.00948 0.00911 0.00517 0.00206 0.00114
0.00018 mth 58 0.01136 0.01059 0.00907 0.00892 0.00492 0.00181 0.00087
0.00018 mth 59 0.01125 0.01048 0.00865 0.00883 0.00467 0.00158 0.00071
0.00017 mth 60 0.01114 0.01037 0.00828 0.00875 0.00444 0.00136 0.00072
year 5 0.00454 0.06170 0.05641 0.03943 0.02157 0.02361 0.00875
year 6 0.00695 0.03775 0.03689 0.02712 0.01490 0.01762 0.01021
year 7 0.00900 0.02286 0.02401 0.01853 0.00994 0.01308 0.01172
year 8 0.01065 0.01281 0.01460 0.01158 0.00545 0.00861 0.01226
year 9 0.01085 0.00593 0.00757 0.00579 0.00124 0.00407 0.01186
year 10 0.00766 0.00598 0.00589 0.00578 0.00566 0.00550 0.00534
year 11 0.00835 0.00596 0.00587 0.00576 0.00563 0.00548 0.00531
year 12 0.00907 0.00596 0.00584 0.00573 0.00559 0.00546 0.00528
year 13 0.00980 0.00593 0.00582 0.00569 0.00558 0.00540 0.00527
year 14 0.01008 0.00593 0.00579 0.00568 0.00554 0.00538 0.00523
year 15 0.00598 0.00589 0.00578 0.00566 0.00550 0.00534
year 16 0.00596 0.00587 0.00576 0.00563 0.00548 0.00531
year 17 0.00596 0.00584 0.00573 0.00559 0.00546 0.00528
year 18 0.00593 0.00582 0.00569 0.00558 0.00540 0.00527
year 19 0.00593 0.00579 0.00568 0.00554 0.00538 0.00523
year 20 0.00589 0.00578 0.00566 0.00550 0.00534
year 21 0.00587 0.00576 0.00563 0.00548 0.00531
year 22 0.00584 0.00573 0.00559 0.00546 0.00528
year 23 0.00582 0.00569 0.00558 0.00540 0.00527
year 24 0.00579 0.00568 0.00554 0.00538 0.00523
year 25 0.00578 0.00566 0.00550 0.00534
year 26 0.00576 0.00563 0.00548 0.00531
year 27 0.00573 0.00559 0.00546 0.00528
year 28 0.00569 0.00558 0.00540 0.00527
year 29 0.00568 0.00554 0.00538 0.00523
year 30 0.00566 0.00550 0.00534
year 31 0.00563 0.00548 0.00531
year 32 0.00559 0.00546 0.00528
year 33 0.00558 0.00540 0.00527
year 34 0.00554 0.00538 0.00523
year 35 0.00550 0.00534
year 36 0.00548 0.00531
year 37 0.00546 0.00528
year 38 0.00540 0.00527
year 39 0.00538 0.00523
year 40 0.00534
year 41 0.00531
year 42 0.00528
year 43 0.00527
year 44 0.00523
Female – Rest of Canada (recoveries)
Age at Disability
55–59 60–64 Month/Year Under 25 25–29 30–34 35–39 40–44 45–49
0.09943 0.08518 mth 5 0.12377 0.10781 0.08975 0.06240 0.05055 0.04826
0.09689 0.08285 mth 6 0.12229 0.10634 0.08902 0.06162 0.05038 0.04792
0.08989 0.07187 mth 7 0.11742 0.10201 0.08802 0.06073 0.04982 0.04729
0.08154 0.06319 mth 8 0.11036 0.09577 0.08452 0.05818 0.04939 0.04681
0.07332 0.05417 mth 9 0.09644 0.08360 0.07122 0.05502 0.04843 0.04587
0.06527 0.04780 mth 10 0.08948 0.07749 0.06386 0.05243 0.04774 0.04517
0.05904 0.04302 mth 11 0.08254 0.07142 0.05726 0.04988 0.04673 0.04419
0.05233 0.03837 mth 12 0.07365 0.06731 0.05194 0.04787 0.04549 0.04299
0.04691 0.03462 mth 13 0.06893 0.06296 0.04873 0.04587 0.04435 0.04191
0.04261 0.03026 mth 14 0.06481 0.05916 0.04623 0.04423 0.04259 0.04023
0.03911 0.02666 mth 15 0.06043 0.05515 0.04386 0.04217 0.04074 0.03848
0.03608 0.02357 mth 16 0.05641 0.05145 0.04161 0.04021 0.03864 0.03648
0.03328 0.02118 mth 17 0.05266 0.04801 0.03949 0.03835 0.03664 0.03456
0.03072 0.01941 mth 18 0.04921 0.04484 0.03747 0.03659 0.03473 0.03275
0.02783 0.01716 mth 19 0.04601 0.04192 0.03588 0.03489 0.03312 0.03121
0.02557 0.01542 mth 20 0.04222 0.03842 0.03448 0.03329 0.03154 0.02992
0.02361 0.01388 mth 21 0.03955 0.03598 0.03307 0.03175 0.03004 0.02852
0.02138 0.01207 mth 22 0.03710 0.03374 0.03171 0.03029 0.02861 0.02734
0.01948 0.01056 mth 23 0.03522 0.03201 0.03010 0.02890 0.02725 0.02590
0.01727 0.00923 mth 24 0.03343 0.03037 0.02865 0.02757 0.02594 0.02455
0.01564 0.00805 mth 25 0.03191 0.02883 0.02738 0.02629 0.02471 0.02327
0.01429 0.00707 mth 26 0.03045 0.02735 0.02590 0.02508 0.02353 0.02203
0.01305 0.00617 mth 27 0.02907 0.02595 0.02494 0.02391 0.02241 0.02088
0.01188 0.00543 mth 28 0.02774 0.02462 0.02357 0.02281 0.02134 0.01978
0.01081 0.00475 mth 29 0.02647 0.02336 0.02227 0.02175 0.02031 0.01874
0.00981 0.00412 mth 30 0.02525 0.02216 0.02117 0.02074 0.01934 0.01774
0.00890 0.00355 mth 31 0.02411 0.02102 0.02021 0.01980 0.01842 0.01679
0.00848 0.00302 mth 32 0.02300 0.01994 0.01903 0.01863 0.01754 0.01571
0.00764 0.00251 mth 33 0.02195 0.01891 0.01837 0.01797 0.01668 0.01468
0.00688 0.00207 mth 34 0.02106 0.01793 0.01748 0.01709 0.01588 0.01373
0.00616 0.00165 mth 35 0.02043 0.01702 0.01659 0.01634 0.01483 0.01275
0.00558 0.00147 mth 36 0.02012 0.01641 0.01564 0.01531 0.01384 0.01185
0.00504 0.00128 mth 37 0.01982 0.01582 0.01476 0.01435 0.01292 0.01099
0.00455 0.00114 mth 38 0.01953 0.01525 0.01391 0.01343 0.01205 0.01015
0.00408 0.00103 mth 39 0.01924 0.01470 0.01312 0.01257 0.01125 0.00924
0.00365 0.00094 mth 40 0.01896 0.01417 0.01236 0.01177 0.01049 0.00837
0.00323 0.00084 mth 41 0.01869 0.01366 0.01165 0.01102 0.00977 0.00749
0.00284 0.00074 mth 42 0.01840 0.01317 0.01098 0.01030 0.00910 0.00673
0.00256 0.00071 mth 43 0.01812 0.01269 0.01034 0.00971 0.00847 0.00605
0.00229 0.00069 mth 44 0.01785 0.01224 0.00975 0.00914 0.00789 0.00549
0.00203 0.00065 mth 45 0.01759 0.01179 0.00917 0.00844 0.00735 0.00507
0.00180 0.00061 mth 46 0.01733 0.01137 0.00863 0.00798 0.00682 0.00471
0.00157 0.00057 mth 47 0.01707 0.01095 0.00813 0.00760 0.00635 0.00444
0.00142 0.00060 mth 48 0.01683 0.01037 0.00790 0.00723 0.00591 0.00422
0.00127 0.00061 mth 49 0.01657 0.00982 0.00768 0.00687 0.00550 0.00406
0.00118 0.00062 mth 50 0.01632 0.00930 0.00746 0.00654 0.00511 0.00383
0.00107 0.00062 mth 51 0.01608 0.00881 0.00723 0.00621 0.00475 0.00368
0.00099 0.00063 mth 52 0.01584 0.00834 0.00702 0.00591 0.00441 0.00359
0.00090 0.00064 mth 53 0.01560 0.00790 0.00682 0.00561 0.00410 0.00342
0.00086 0.00065 mth 54 0.01537 0.00748 0.00662 0.00536 0.00380 0.00329
0.00082 0.00064 mth 55 0.01513 0.00708 0.00643 0.00512 0.00353 0.00310
0.00078 0.00060 mth 56 0.01490 0.00669 0.00624 0.00490 0.00327 0.00297
0.00054 0.00036 mth 57 0.01468 0.00633 0.00606 0.00468 0.00306 0.00282
0.00026 0.00008 mth 58 0.01445 0.00599 0.00588 0.00446 0.00287 0.00263
0.00012 0.00001 mth 59 0.01424 0.00567 0.00571 0.00427 0.00268 0.00245
0.00013 0.00001 mth 60 0.01403 0.00535 0.00554 0.00407 0.00252 0.00229
0.00707 year 5 0.09666 0.06375 0.05534 0.03850 0.02655 0.01704
0.00664 year 6 0.06995 0.04582 0.04043 0.02868 0.02033 0.01385
0.00513 year 7 0.05131 0.03331 0.02974 0.02140 0.01555 0.01122
0.00784 year 8 0.03731 0.02393 0.02139 0.01540 0.01017 0.00844
0.00954 year 9 0.02674 0.01679 0.01472 0.01031 0.00644 0.00547
year 10 0.01013 0.00944 0.00845 0.00756 0.00678 0.00611
year 11 0.01012 0.00923 0.00825 0.00741 0.00665 0.00599
year 12 0.00373 0.00903 0.00808 0.00724 0.00651 0.00586
year 13 0.00993 0.00882 0.00789 0.00708 0.00636 0.00576
year 14 0.00965 0.00862 0.00773 0.00694 0.00625 0.00563
year 15 0.00944 0.00845 0.00756 0.00678 0.00611 0.00552
year 16 0.00923 0.00825 0.00741 0.00665 0.00599 0.00544
year 17 0.00903 0.00808 0.00724 0.00651 0.00586 0.00533
year 18 0.00882 0.00789 0.00708 0.00636 0.00576 0.00523
year 19 0.00862 0.00773 0.00694 0.00625 0.00563 0.00512
year 20 0.00845 0.00756 0.00678 0.00611 0.00552
year 21 0.00825 0.00741 0.00665 0.00599 0.00544
year 22 0.00808 0.00724 0.00651 0.00586 0.00533
year 23 0.00789 0.00708 0.00636 0.00576 0.00523
year 24 0.00773 0.00694 0.00625 0.00563 0.00512
year 25 0.00756 0.00678 0.00611 0.00552
year 26 0.00741 0.00665 0.00599 0.00544
year 27 0.00724 0.00651 0.00586 0.00533
year 28 0.00708 0.00636 0.00576 0.00523
year 29 0.00694 0.00625 0.00563 0.00512
year 30 0.00678 0.00611 0.00552
year 31 0.00665 0.00599 0.00544
year 32 0.00651 0.00586 0.00533
year 33 0.00636 0.00576 0.00523
year 34 0.00625 0.00563 0.00512
year 35 0.00611 0.00552
year 36 0.00599 0.00544
year 37 0.00586 0.00533
year 38 0.00576 0.00523
year 39 0.00563 0.00512
year 40 0.00552
year 41 0.00544
year 42 0.00533
year 43 0.00523
year 44 0.00512
Male – Rest of Canada (recoveries)
50–54 55–59 60–64 Month/Year Under 25 25–29 30–34 35–39 40–44
0.04653 0.04441 0.04187 mth 5 0.11691 0.08826 0.07349 0.06831 0.06342
0.04550 0.04323 0.04059 mth 6 0.11566 0.08804 0.07206 0.06686 0.06193
0.04477 0.04219 0.03948 mth 7 0.11053 0.08712 0.07074 0.06557 0.06065
0.04425 0.04141 0.03844 mth 8 0.10546 0.08626 0.06953 0.06440 0.05952
0.04395 0.04084 0.03714 mth 9 0.09946 0.08151 0.06724 0.06224 0.05748
0.04326 0.03992 0.03493 mth 10 0.09248 0.07597 0.06498 0.06012 0.05550
0.04270 0.03821 0.03209 mth 11 0.08354 0.07210 0.06164 0.05699 0.05257
0.04159 0.03613 0.02987 mth 12 0.07859 0.06851 0.05831 0.05389 0.04957
0.04021 0.03378 0.02675 mth 13 0.07219 0.06510 0.05518 0.05097 0.04676
0.03836 0.03194 0.02427 mth 14 0.06852 0.06148 0.05221 0.04819 0.04412
0.03671 0.03023 0.02232 mth 15 0.06505 0.05807 0.04943 0.04560 0.04165
0.03475 0.02766 0.02053 mth 16 0.06176 0.05485 0.04677 0.04314 0.03930
0.03288 0.02583 0.01886 mth 17 0.05865 0.05180 0.04426 0.04081 0.03710
0.03111 0.02412 0.01733 mth 18 0.05569 0.04893 0.04189 0.03860 0.03501
0.02945 0.02247 0.01552 mth 19 0.05286 0.04621 0.03965 0.03652 0.03305
0.02788 0.02092 0.01438 mth 20 0.05020 0.04365 0.03752 0.03455 0.03117
0.02639 0.01947 0.01275 mth 21 0.04766 0.04122 0.03552 0.03267 0.02941
0.02439 0.01811 0.01148 mth 22 0.04525 0.03895 0.03361 0.03090 0.02775
0.02280 0.01684 0.01029 mth 23 0.04296 0.03679 0.03181 0.02923 0.02619
0.02108 0.01561 0.00947 mth 24 0.04079 0.03475 0.03018 0.02764 0.02470
0.01983 0.01448 0.00853 mth 25 0.03871 0.03282 0.02862 0.02613 0.02329
0.01866 0.01340 0.00781 mth 26 0.03675 0.03099 0.02718 0.02470 0.02196
0.01754 0.01241 0.00701 mth 27 0.03488 0.02927 0.02578 0.02336 0.02070
0.01650 0.01147 0.00641 mth 28 0.03310 0.02765 0.02445 0.02208 0.01952
0.01551 0.01061 0.00574 mth 29 0.03142 0.02610 0.02319 0.02087 0.01839
0.01459 0.00972 0.00507 mth 30 0.02981 0.02466 0.02199 0.01973 0.01734
0.01371 0.00891 0.00456 mth 31 0.02830 0.02328 0.02086 0.01864 0.01632
0.01279 0.00816 0.00409 mth 32 0.02685 0.02198 0.01979 0.01761 0.01539
0.01178 0.00746 0.00367 mth 33 0.02547 0.02077 0.01875 0.01668 0.01449
0.01070 0.00681 0.00327 mth 34 0.02431 0.01961 0.01778 0.01599 0.01363
0.00972 0.00628 0.00293 mth 35 0.02319 0.01851 0.01685 0.01551 0.01283
0.00886 0.00579 0.00272 mth 36 0.02237 0.01738 0.01617 0.01479 0.01213
0.00813 0.00530 0.00250 mth 37 0.02157 0.01632 0.01550 0.01411 0.01148
0.00745 0.00480 0.00219 mth 38 0.02083 0.01532 0.01486 0.01346 0.01084
0.00683 0.00429 0.00186 mth 39 0.02008 0.01438 0.01423 0.01283 0.01025
0.00625 0.00378 0.00155 mth 40 0.01947 0.01394 0.01364 0.01225 0.00968
0.00571 0.00336 0.00129 mth 41 0.01887 0.01308 0.01306 0.01168 0.00914
0.00521 0.00299 0.00105 mth 42 0.01828 0.01229 0.01253 0.01113 0.00862
0.00474 0.00275 0.00095 mth 43 0.01772 0.01153 0.01200 0.01061 0.00814
0.00431 0.00246 0.00077 mth 44 0.01719 0.01065 0.01149 0.01010 0.00768
0.00393 0.00220 0.00067 mth 45 0.01667 0.01014 0.01100 0.00960 0.00725
0.00361 0.00199 0.00053 mth 46 0.01615 0.00970 0.01054 0.00897 0.00683
0.00338 0.00184 0.00044 mth 47 0.01566 0.00929 0.01010 0.00848 0.00643
0.00319 0.00164 0.00030 mth 48 0.01534 0.00901 0.00967 0.00781 0.00603
0.00307 0.00157 0.00027 mth 49 0.01503 0.00872 0.00925 0.00720 0.00566
0.00296 0.00150 0.00022 mth 50 0.01473 0.00844 0.00887 0.00662 0.00530
0.00285 0.00142 0.00019 mth 51 0.01443 0.00818 0.00848 0.00607 0.00497
0.00273 0.00136 0.00015 mth 52 0.01413 0.00792 0.00812 0.00557 0.00465
0.00263 0.00133 0.00015 mth 53 0.01384 0.00767 0.00776 0.00511 0.00436
0.00253 0.00132 0.00015 mth 54 0.01356 0.00742 0.00742 0.00469 0.00407
0.00243 0.00131 0.00016 mth 55 0.01329 0.00736 0.00709 0.00434 0.00380
0.00233 0.00130 0.00017 mth 56 0.01302 0.00695 0.00678 0.00402 0.00354
0.00223 0.00129 0.00017 mth 57 0.01275 0.00673 0.00649 0.00378 0.00330
0.00214 0.00129 0.00017 mth 58 0.01249 0.00651 0.00620 0.00354 0.00306
0.00205 0.00128 0.00017 mth 59 0.01223 0.00630 0.00592 0.00346 0.00284
0.00196 0.00126 0.00016 mth 60 0.01197 0.00610 0.00566 0.00338 0.00264
0.01246 0.00326 year 5 0.09736 0.06051 0.05135 0.03559 0.02481
0.01131 0.00788 year 6 0.06237 0.04203 0.03723 0.02753 0.02047
0.01022 0.01127 year 7 0.03978 0.02923 0.02702 0.02137 0.01699
0.00867 0.00899 year 8 0.02405 0.01941 0.01862 0.01573 0.01331
0.00661 0.00733 year 9 0.01302 0.01177 0.01157 0.01044 0.00941
0.00552 year 10 0.00766 0.00598 0.00589 0.00578 0.00566
0.00544 year 11 0.00835 0.00596 0.00587 0.00576 0.00563
0.00533 year 12 0.00907 0.00596 0.00584 0.00573 0.00559
0.00523 year 13 0.00980 0.00593 0.00582 0.00569 0.00558
0.00512 year 14 0.01008 0.00593 0.00579 0.00568 0.00554
year 15 0.00598 0.00589 0.00578 0.00566 0.00550
year 16 0.00596 0.00587 0.00576 0.00563 0.00548
year 17 0.00596 0.00584 0.00573 0.00559 0.00546
year 18 0.00593 0.00582 0.00569 0.00558 0.00540
year 19 0.00593 0.00579 0.00568 0.00554 0.00538
year 20 0.00589 0.00578 0.00566 0.00550 0.00534
year 21 0.00587 0.00576 0.00563 0.00548 0.00531
year 22 0.00584 0.00573 0.00559 0.00546 0.00528
year 23 0.00582 0.00569 0.00558 0.00540 0.00527
year 24 0.00579 0.00568 0.00554 0.00538 0.00523
year 25 0.00578 0.00566 0.00550 0.00534
year 26 0.00576 0.00563 0.00548 0.00531
year 27 0.00573 0.00559 0.00546 0.00528
year 28 0.00569 0.00558 0.00540 0.00527
year 29 0.00568 0.00554 0.00538 0.00523
year 30 0.00566 0.00550 0.00534
year 31 0.00563 0.00548 0.00531
year 32 0.00559 0.00546 0.00528
year 33 0.00558 0.00540 0.00527
year 34 0.00554 0.00538 0.00523
year 35 0.00550 0.00534
year 36 0.00548 0.00531
year 37 0.00546 0.00528
year 38 0.00540 0.00527
year 39 0.00538 0.00523
year 40 0.00534
year 41 0.00531
year 42 0.00528
year 43 0.00527
year 44 0.00523
ecoveries)
Age at Disability
45–49 50–54 55–59 60–64
0.06011 0.05627 0.04589 0.04271
0.05857 0.05470 0.04437 0.04113
0.05729 0.05341 0.04319 0.03845
0.05553 0.05048 0.04178 0.03613
0.05296 0.04692 0.03871 0.02925
0.05050 0.04414 0.03632 0.02560
0.04722 0.04121 0.03382 0.02240
0.04451 0.03829 0.03135 0.02024
0.04194 0.03605 0.02895 0.01828
0.03954 0.03395 0.02675 0.01651
0.03729 0.03197 0.02469 0.01491
0.03517 0.03011 0.02282 0.01344
0.03317 0.02838 0.02107 0.01209
0.03127 0.02673 0.01945 0.01087
0.02950 0.02518 0.01795 0.00976
0.02781 0.02372 0.01655 0.00873
0.02604 0.02202 0.01524 0.00780
0.02437 0.02044 0.01403 0.00693
0.02280 0.01897 0.01291 0.00615
0.02134 0.01766 0.01188 0.00543
0.01994 0.01644 0.01087 0.00487
0.01865 0.01529 0.00992 0.00432
0.01744 0.01422 0.00906 0.00382
0.01629 0.01321 0.00826 0.00338
0.01522 0.01226 0.00752 0.00295
0.01421 0.01136 0.00683 0.00255
0.01326 0.01054 0.00620 0.00219
0.01236 0.00978 0.00561 0.00187
0.01152 0.00905 0.00506 0.00156
0.01075 0.00837 0.00464 0.00140
0.01001 0.00773 0.00424 0.00123
0.00939 0.00726 0.00394 0.00117
0.00880 0.00683 0.00373 0.00116
0.00823 0.00646 0.00352 0.00117
0.00771 0.00611 0.00339 0.00117
0.00721 0.00577 0.00327 0.00116
0.00673 0.00544 0.00315 0.00116
0.00629 0.00513 0.00302 0.00117
0.00586 0.00485 0.00289 0.00117
0.00546 0.00457 0.00277 0.00117
0.00508 0.00429 0.00266 0.00116
0.00475 0.00400 0.00255 0.00116
0.00445 0.00377 0.00243 0.00115
0.00422 0.00354 0.00232 0.00112
0.00401 0.00334 0.00220 0.00111
0.00386 0.00316 0.00209 0.00109
0.00372 0.00298 0.00198 0.00108
0.00357 0.00281 0.00187 0.00105
0.00348 0.00264 0.00176 0.00102
0.00339 0.00247 0.00166 0.00100
0.00337 0.00236 0.00156 0.00098
0.00322 0.00225 0.00145 0.00095
0.00298 0.00219 0.00136 0.00094
0.00276 0.00213 0.00126 0.00091
0.00255 0.00211 0.00118 0.00087
0.00235 0.00209 0.00109 0.00083
0.02222 0.01696 0.00832
0.01965 0.01581 0.00895
0.01760 0.01500 0.00986
0.01493 0.01352 0.01019
0.01174 0.01136 0.00989
0.00550 0.00534
0.00548 0.00531
0.00546 0.00528
0.00540 0.00527
0.00538 0.00523
0.00534
0.00531
0.00528
0.00527
0.00523
EXPECTED = NEW CIA 2009–15 TABLE
ALL COMPANIES (weighted) summary: Insured Business
Male – Rest of Canada
Exposures (years)
of
Disability Age at disability
(months) under 25 25–29 30–34 35–39 40–44 45–49 50–54 55–59
X1-3 1mths–3 mt 10 13 19 26 30 49 77 72
X4-12 4 mths–12 927 2,020 3,089 4,093 5,325 7,519 10,068 10,908
X13-24 12 mths–24 695 1,674 2,870 3,999 5,613 8,401 11,576 13,017
X25-36 24 mths–36 321 835 1,510 2,281 3,470 5,506 7,937 9,492
X37-48 36 mths–48 192 534 984 1,552 2,641 4,260 6,219 7,777
X49-60 48 mths–60 160 449 848 1,383 2,404 3,823 5,590 7,033
X61-120 60 mths–12 571 1,693 3,382 6,236 10,684 15,827 22,353 14,359
X121-999 10 years or 1,541 3,909 8,525 13,644 15,782 14,604 7,421 9
Total 4,416 11,128 21,227 33,213 45,948 59,988 71,240 62,668
Terminations
of
(months) under 25 25–29 30–34 35–39 40–44 45–49 50–54 55–59
ATAD1-3 1mths–3 mt 17 18 16 27 29 34 46 41
ATAD4-12 4 mths–12 1,098 1,972 2,563 3,175 3,846 5,155 6,351 5,829
ATAD13-2412 mths–24 513 1,091 1,631 2,127 2,751 3,724 4,471 4,025
ATAD25-3624 mths–36 238 565 938 1,185 1,540 2,147 2,466 2,177
ATAD37-4836 mths–48 50 85 164 233 335 436 584 566
ATAD49-6048 mths–60 28 44 85 97 163 240 310 333
ATAD61-1260 mths–12 49 76 156 234 362 552 846 572
ATAD121-910 years or 37 82 190 353 422 469 248 1
Total 2,030 3,933 5,743 7,431 9,448 12,757 15,322 13,544
Deaths
of
(months) under 25 25–29 30–34 35–39 40–44 45–49 50–54 55–59
ATAD1-3 1mths–3 mt 0 0 1 0 0 0 1 0
ATAD4-12 4 mths–12 17 34 57 115 187 392 711 874
ATAD13-2412 mths–24 10 45 53 116 202 421 695 888
ATAD25-3624 mths–36 8 20 32 54 99 189 359 408
ATAD37-4836 mths–48 2 6 16 37 55 126 204 313
ATAD49-6048 mths–60 - 8 11 29 46 99 144 230
ATAD61-1260 mths–12 10 14 37 79 184 316 578 452
ATAD121-910 years or 26 60 141 270 320 381 206 1
Total 73 187 348 700 1,093 1,924 2,898 3,166
Expected Terminations
of
Disability
(months) under 25 25–29 30–34 35–39 40–44 45–49 50–54 55–59
eted1-3 1mths–3 mt 0 0 0 0 0 0 0 0
eted4-12 4 mths–12 1,147 1,996 2,543 3,161 3,865 5,136 6,354 5,872
eted13-24 12 mths–24 510 1,099 1,639 2,119 2,743 3,722 4,536 4,064
eted25-36 24 mths–36 239 561 921 1,187 1,541 2,115 2,484 2,209
eted37-48 36 mths–48 45 86 163 237 335 442 578 551
eted49-60 48 mths–60 27 44 85 101 159 232 308 333
eted61-12 60 mths–12 36 75 141 228 368 603 882 544
eted121-9 10 years or 32 82 197 349 446 451 254 -
Total 2,036 3,943 5,689 7,382 9,458 12,701 15,396 13,574
Expected Deaths
of
(months) under 25 25–29 30–34 35–39 40–44 45–49 50–54 55–59
eted1-3 1mths–3 mt 0 0 0 0 0 0 0 0
eted4-12 4 mths–12 24 52 94 162 259 433 669 825
eted13-24 12 mths–24 16 40 77 138 238 421 670 853
eted25-36 24 mths–36 5 14 28 55 102 191 317 430
eted37-48 36 mths–48 2 7 14 28 57 110 185 263
eted49-60 48 mths–60 2 5 10 20 43 81 137 196
eted61-12 60 mths–12 5 16 37 87 182 324 552 415
eted121-9 10 years or 22 59 148 273 359 372 214 -
Total 75 192 408 763 1,239 1,931 2,745 2,981
Actual/Expected Terminations
of
(months) under 25 25–29 30–34 35–39 40–44 45–49 50–54 55–59
1mths–3 mths
4 mths–12 95.8% 98.8% 100.8% 100.4% 99.5% 100.4% 99.9% 99.3%
12 mths–24 100.6% 99.3% 99.5% 100.4% 100.3% 100.1% 98.6% 99.0%
24 mths–36 99.5% 100.7% 101.8% 99.8% 99.9% 101.5% 99.3% 98.5%
36 mths–48 110.2% 98.3% 100.6% 98.4% 99.9% 98.7% 101.0% 102.7%
48 mths–60 102.3% 99.2% 100.3% 96.5% 102.3% 103.5% 100.5% 99.9%
60 mths–12 137.2% 101.6% 111.0% 102.7% 98.5% 91.6% 95.9% 105.1%
10 years or 115.5% 100.4% 96.7% 101.0% 94.7% 104.0% 97.8%
Total 99.7% 99.7% 100.9% 100.7% 99.9% 100.4% 99.5% 99.8%
Actual/Expected Deaths
of
(months) under 25 25–29 30–34 35–39 40–44 45–49 50–54 55–59
1mths–3 mths
4 mths–12 72.2% 65.3% 60.3% 71.0% 72.3% 90.6% 106.2% 106.0%
12 mths–24 64.3% 112.9% 68.9% 83.8% 84.9% 100.1% 103.8% 104.2%
24 mths–36 159.8% 145.1% 113.8% 98.9% 97.5% 99.1% 113.3% 94.9%
36 mths–48 90.9% 92.1% 117.8% 133.8% 95.7% 114.7% 110.0% 119.0%
48 mths–60 0.0% 177.2% 114.4% 142.8% 106.9% 122.0% 105.1% 117.6%
60 mths–12 188.8% 89.2% 100.2% 91.0% 101.3% 97.5% 104.7% 108.9%
10 years or 117.1% 101.5% 95.2% 98.9% 89.2% 102.4% 96.2%
Total 96.9% 97.6% 85.4% 91.8% 88.2% 99.6% 105.6% 106.2%
Exposures (years)
Male Male Female Female
ROC PQ ROC PQ Total
1st 60 mths 169,911 60,310 197,059 69,589 496,869
60–120 mth 97,539 23,822 113,713 21,212 256,286
Over 10 yea 65,436 14,474 91,244 14,019 185,172
332,886 98,607 402,015 104,820 938,328
Terminations Deaths
Male Male Female Female Male Male
1st 60 mths ROC PQ ROC PQ Total ROC PQ
Actual 71,615 48,226 86,575 62,399 268,815 8,879 3,070
Expected 71,445 47,667 86,380 60,927 266,419 8,826 3,115
Actual/Expe 100.2% 101.2% 100.2% 102.4% 100.9% 100.6% 98.5%

60–120 mth ROC PQ ROC PQ Total ROC PQ
Actual 2,848 659 2,523 592 6,622 1,670 392
Expected 2,875 649 2,546 635 6,706 1,618 420
Actual/Expe 99.0% 101.6% 99.1% 93.2% 98.7% 103.2% 93.4%

Over 10 yea ROC PQ ROC PQ Total ROC PQ
Actual 1,802 402 1,606 259 4,069 1,405 345
Expected 1,810 399 1,722 264 4,195 1,448 318
Actual/Expe 99.6% 100.8% 93.2% 98.2% 97.0% 97.1% 108.4%

Total ROC PQ ROC PQ Total ROC PQ
Actual 76,265 49,287 90,704 63,250 279,506 11,954 3,807
Expected 76,131 48,714 90,648 61,826 277,320 11,891 3,853
Actual/Expe 100.2% 101.2% 100.1% 102.3% 100.8% 100.5% 98.8%
ALL COMPANIES (weighted) summary: Insured Busi
Male – Québec
Exposures (years)
Age at disability
60–64 all ages under 25 25–29 30–34 35–39 40–44 45–49 50–54
37 333 2 6 17 26 35 46 54
7,423 51,373 393 984 1,852 2,354 2,791 3,647 4,540
7,893 55,738 219 586 1,109 1,459 2,004 2,919 4,014
4,579 35,931 80 230 422 614 950 1,475 2,300
2,379 26,537 44 132 225 332 617 997 1,579
740 22,429 39 105 172 285 544 889 1,364
7 75,111 197 419 706 1,330 2,429 3,859 5,485
- 65,436 440 1,038 1,721 2,686 3,589 3,247 1,754
23,057 332,886 1,414 3,499 6,223 9,087 12,958 17,079 21,092
332,553
Terminations
Age at disability
60–64 all ages under 25 25–29 30–34 35–39 40–44 45–49 50–54
21 249 4 8 28 47 54 64 96
3,475 33,464 684 1,592 2,832 3,419 3,806 4,570 5,221
1,732 22,065 202 589 1,085 1,422 1,720 2,296 2,665
655 11,911 79 190 352 446 619 857 1,004
140 2,593 10 40 62 81 115 149 243
33 1,333 7 15 28 42 52 56 88
1 2,848 13 17 30 47 68 137 207
- 1,802 11 18 27 80 103 102 61
6,057 76,265 1,010 2,469 4,444 5,584 6,537 8,231 9,585
76,016
Deaths
Age at disability
60–64 all ages under 25 25–29 30–34 35–39 40–44 45–49 50–54
4 6 0 0 0 0 1 0 3
712 3,099 1 5 21 32 54 124 229
510 2,940 3 6 29 27 77 131 245
224 1,393 3 2 12 17 37 79 137
87 846 - 7 9 14 10 32 81
28 595 - 2 3 9 15 20 43
- 1,670 5 3 7 10 34 84 141
- 1,405 10 15 20 69 90 85 56
1,565 11,954 22 40 101 178 318 555 935
11,948
Age at disability
60–64 all ages under 25 25–29 30–34 35–39 40–44 45–49 50–54
0 0 0 0 0 0 0 0 0
3,437 33,511 682 1,569 2,830 3,427 3,800 4,576 5,353
1,703 22,136 221 584 1,079 1,379 1,685 2,305 2,633
653 11,912 79 192 349 448 622 854 1,013
126 2,564 13 38 62 81 115 154 239
33 1,323 7 18 27 42 51 58 86
- 2,875 4 18 30 47 68 138 206
- 1,810 9 22 40 67 101 100 60
5,951 76,131 1,015 2,442 4,417 5,491 6,442 8,185 9,589
76,131
Expected Deaths
Age at disability
60–64 all ages under 25 25–29 30–34 35–39 40–44 45–49 50–54
0 0 0 0 0 0 0 0 0
628 3,146 8 23 46 59 78 131 201
581 3,032 6 17 35 46 71 133 225
234 1,374 2 7 14 21 36 73 139
91 757 1 3 6 9 18 38 73
24 516 1 2 3 6 12 25 47
- 1,618 2 5 10 20 42 83 146
- 1,448 6 16 30 52 81 82 51
1,558 11,891 26 74 144 212 338 566 883
11,891
Age at disability
60–64 all ages under 25 25–29 30–34 35–39 40–44 45–49 50–54
101.1% 99.9% 100.3% 101.4% 100.1% 99.8% 100.2% 99.9% 97.5%

101.7% 99.7% 91.2% 100.8% 100.5% 103.1% 102.1% 99.6% 101.2%
100.3% 100.0% 100.1% 98.9% 100.9% 99.5% 99.6% 100.4% 99.1%
111.2% 101.1% 76.2% 106.1% 100.5% 100.4% 100.4% 96.5% 101.9%
100.6% 100.8% 99.4% 83.0% 104.0% 100.9% 101.2% 96.9% 102.8%
99.0% 333.4% 95.0% 99.5% 99.6% 99.6% 99.6% 100.6%
99.6% 120.6% 81.5% 68.1% 118.9% 102.3% 102.0% 101.8%
101.8% 100.2% 99.5% 101.1% 100.6% 101.7% 101.5% 100.6% 100.0%
99.8%
Age at disability
60–64 all ages under 25 25–29 30–34 35–39 40–44 45–49 50–54
113.3% 98.5% 12.2% 22.0% 45.7% 54.6% 69.5% 94.4% 113.9%

87.8% 97.0% 51.6% 34.6% 82.7% 58.2% 108.2% 98.1% 108.7%
95.8% 101.4% 130.3% 27.1% 83.0% 80.5% 101.5% 108.7% 98.6%
95.5% 111.8% 0.0% 215.7% 152.1% 159.7% 55.3% 85.3% 110.7%
118.6% 115.2% 0.0% 103.9% 88.3% 159.8% 125.2% 79.6% 90.9%
103.2% 221.1% 59.2% 73.6% 51.1% 81.9% 101.0% 96.3%
97.1% 164.9% 93.1% 67.0% 132.1% 111.2% 103.1% 110.7%
100.5% 100.5% 83.9% 54.2% 70.1% 83.9% 94.1% 98.1% 105.9%
100.5%
Female Female
ROC PQ Total
6,988 2,361 21,298
6,895 2,438 21,274
101.3% 96.8% 100.1%
Female Female
ROC PQ Total
1,139 298 3,499
1,189 248 3,474
95.8% 120.2% 100.7%
Female Female
ROC PQ Total
1,116 185 3,051
1,139 174 3,079
98.0% 106.5% 99.1%
Female Female
ROC PQ Total
9,243 2,844 27,848
9,223 2,859 27,827
100.2% 99.5% 100.1%
mary: Insured Business ALL COMPANIES (weighted) summary: Insure
Female – Rest of Canada
Exposures (years)
Age at disability
55–59 60–64 all ages under 25 25–29 30–34 35–39 40–44 45–49
62 37 285 9 23 34 44 65 91
4,555 2,767 23,882 688 2,628 4,495 6,133 8,135 10,798
4,403 2,377 19,089 570 2,351 4,276 6,331 8,544 11,670
2,965 1,264 10,301 279 1,243 2,377 3,690 5,034 7,258
2,186 642 6,753 179 835 1,693 2,632 3,722 5,518
1,921 206 5,525 141 715 1,482 2,329 3,404 4,914
3,871 0 18,298 522 2,710 5,937 9,876 14,989 19,615
0 0 14,474 1,451 6,631 14,216 20,545 22,495 18,337
19,962 7,293 98,607 3,840 17,136 34,510 51,581 66,388 78,201
98,321
Terminations
Age at disability
55–59 60–64 all ages under 25 25–29 30–34 35–39 40–44 45–49
118 61 480 15 26 39 54 60 102
4,503 2,246 28,873 846 2,782 3,917 4,134 4,816 6,162
2,075 848 12,902 387 1,392 2,269 3,187 4,167 5,358
840 240 4,627 173 677 1,202 1,787 2,366 2,851
194 50 944 43 141 235 361 468 578
102 10 400 27 70 130 178 200 273
140 - 659 34 121 240 319 405 490
- - 402 20 126 218 321 401 348
7,972 3,455 49,287 1,545 5,335 8,250 10,341 12,883 16,162
48,807
Deaths
Age at disability
55–59 60–64 all ages under 25 25–29 30–34 35–39 40–44 45–49
3 2 9 0 0 0 0 0 0
318 251 1,035 3 30 63 80 160 305
303 178 999 11 29 71 134 210 403
171 91 549 7 19 29 78 127 216
114 33 300 1 10 27 37 78 142
77 9 178 2 8 14 27 47 82
108 - 392 1 18 44 75 154 258
- - 345 15 88 119 213 293 258
1,094 564 3,807 40 202 367 644 1,069 1,664
3,798
Age at disability
55–59 60–64 all ages under 25 25–29 30–34 35–39 40–44 45–49
0 0 0 0 0 0 0 0 0
4,483 2,220 28,940 852 2,814 4,015 4,142 4,839 6,166
2,058 807 12,753 390 1,454 2,224 3,174 4,168 5,391
842 242 4,640 172 675 1,195 1,792 2,349 2,889
193 42 936 41 141 243 368 475 580
98 11 398 27 71 130 176 203 270
138 - 649 34 122 242 322 411 493
- - 399 23 106 240 372 434 380
7,814 3,321 48,714 1,539 5,383 8,290 10,347 12,879 16,169
48,714
Expected Deaths
Age at disability
55–59 60–64 all ages under 25 25–29 30–34 35–39 40–44 45–49
0 0 0 0 0 0 0 0 0
293 196 1,035 10 50 81 144 236 373
321 186 1,042 9 50 86 164 271 438
183 83 559 3 19 35 70 116 198
111 35 293 2 10 18 37 65 113
81 9 186 1 7 13 26 47 82
112 - 420 3 17 41 89 166 264
- - 318 11 55 139 237 296 274
1,102 509 3,853 39 207 412 767 1,198 1,742
3,853
Age at disability
55–59 60–64 all ages under 25 25–29 30–34 35–39 40–44 45–49
100.4% 101.2% 99.8% 99.3% 98.9% 97.6% 99.8% 99.5% 99.9%

100.8% 105.1% 101.2% 99.1% 95.7% 102.0% 100.4% 100.0% 99.4%
99.7% 99.4% 99.7% 100.6% 100.2% 100.6% 99.7% 100.7% 98.7%
100.5% 119.5% 100.9% 104.4% 99.7% 96.7% 98.1% 98.6% 99.6%
103.7% 92.6% 100.6% 100.4% 99.1% 100.0% 101.2% 98.4% 101.2%
101.3% 101.6% 98.9% 99.1% 99.1% 99.0% 98.5% 99.4%
100.8% 88.8% 119.1% 90.7% 86.3% 92.4% 91.7%
102.0% 104.0% 101.2% 100.4% 99.1% 99.5% 99.9% 100.0% 100.0%
100.2%
Age at disability
55–59 60–64 all ages under 25 25–29 30–34 35–39 40–44 45–49
108.4% 128.2% 100.0% 29.8% 60.1% 77.8% 55.4% 67.7% 81.7%

94.5% 95.6% 95.9% 117.0% 58.2% 83.0% 81.9% 77.6% 92.1%
93.2% 110.2% 98.1% 211.4% 99.1% 84.0% 112.2% 109.0% 108.9%
102.8% 95.5% 102.4% 61.8% 104.9% 147.6% 99.9% 120.9% 125.2%
95.0% 96.0% 95.5% 192.9% 120.0% 107.0% 103.0% 99.0% 100.5%
96.4% 93.4% 35.7% 105.6% 108.3% 84.0% 92.6% 97.9%
108.4% 136.5% 161.2% 85.6% 90.0% 99.0% 94.1%
99.3% 110.9% 98.8% 101.9% 97.7% 89.1% 84.0% 89.2% 95.5%
98.6%
98.5%
) summary: Insured Business ALL COMPANIES (weighted) summary: I
Female – Québec
Exposures (years)
ility Age at disability
50–54 55–59 60–64 all ages under 25 25–29 30–34 35–39 40–44
110 78 30 484 2 18 42 49 59
12,744 10,754 5,710 62,085 385 1,488 2,991 3,662 4,164
13,847 11,987 5,759 65,337 196 772 1,701 2,254 2,959
8,703 8,041 3,190 39,816 80 372 822 1,096 1,630
6,664 6,465 1,629 29,336 39 183 380 553 876
5,947 5,781 510 25,224 26 126 261 436 681
22,881 11,932 28 88,489 106 498 1,005 1,883 2,804
7,483 46 39 91,244 271 1,100 2,141 2,876 3,491
78,379 55,085 16,896 402,015 1,105 4,558 9,343 12,810 16,663
401,531
Terminations
50–54 55–59 60–64 all ages under 25 25–29 30–34 35–39 40–44
107 69 17 489 5 37 102 85 117
7,004 5,587 2,705 37,953 671 2,546 4,824 5,057 5,171
6,135 4,447 1,589 28,931 225 832 1,666 2,225 2,648
3,167 2,159 521 14,903 60 250 592 743 980
572 420 75 2,893 18 52 115 146 183
294 220 14 1,406 3 15 43 51 78
597 314 3 2,523 5 14 55 86 97
169 2 1 1,606 4 19 41 45 61
18,045 13,218 4,925 90,704 991 3,765 7,438 8,438 9,335
90,215
Deaths
50–54 55–59 60–64 all ages under 25 25–29 30–34 35–39 40–44
0 1 0 1 0 0 0 0 0
509 560 347 2,057 1 9 15 25 59
661 631 325 2,475 2 5 26 28 68
360 325 111 1,272 2 7 8 20 44
186 193 44 718 1 2 6 12 25
140 134 11 465 - 2 5 6 15
360 227 2 1,139 1 4 12 16 41
128 1 1 1,116 3 12 27 30 40
2,344 2,072 841 9,243 10 41 99 137 292
9,242
50–54 55–59 60–64 all ages under 25 25–29 30–34 35–39 40–44
0 0 0 0 0 0 0 0 0
7,043 5,599 2,750 38,219 596 2,223 4,324 5,137 5,240
6,164 4,345 1,595 28,906 218 809 1,716 2,198 2,702
3,159 2,163 523 14,917 65 272 600 748 980
586 423 76 2,934 11 52 103 146 180
293 220 14 1,403 3 17 33 54 76
604 317 - 2,546 6 28 55 86 98
168 - - 1,722 4 18 36 51 66
18,016 13,067 4,958 90,648 904 3,419 6,869 8,421 9,342
90,648
Expected Deaths
50–54 55–59 60–64 all ages under 25 25–29 30–34 35–39 40–44
0 0 0 0 0 0 0 0 0
509 488 290 2,182 5 20 44 55 72
601 589 318 2,525 4 18 43 57 83
275 287 129 1,132 2 10 23 31 52
159 175 50 627 1 4 9 12 22
114 126 13 429 0 2 4 7 12
372 237 - 1,189 1 4 9 19 30
128 - - 1,139 2 10 21 32 45
2,158 1,902 799 9,223 15 68 153 214 316
9,223
50–54 55–59 60–64 all ages under 25 25–29 30–34 35–39 40–44
99.5% 99.8% 98.4% 99.3% 112.6% 114.5% 111.6% 98.4% 98.7%

99.5% 102.4% 99.6% 100.1% 103.2% 102.8% 97.1% 101.2% 98.0%
100.3% 99.8% 99.6% 99.9% 92.2% 92.0% 98.6% 99.3% 100.0%
97.6% 99.2% 98.8% 98.6% 159.0% 100.7% 111.2% 100.3% 101.6%
100.3% 100.0% 100.2% 100.2% 86.9% 90.1% 128.5% 94.6% 103.3%
98.8% 99.0% 99.1% 83.9% 49.7% 99.1% 99.5% 99.5%
100.5% 93.2% 91.3% 105.5% 113.2% 87.7% 91.8%
100.2% 101.2% 99.3% 100.1% 109.6% 110.1% 108.3% 100.2% 99.9%
99.5%
50–54 55–59 60–64 all ages under 25 25–29 30–34 35–39 40–44
100.0% 114.6% 119.8% 94.3% 21.1% 44.0% 33.9% 45.3% 82.5%

110.0% 107.1% 102.3% 98.0% 49.4% 27.7% 61.0% 49.3% 81.8%
131.0% 113.1% 86.3% 112.4% 105.3% 70.5% 34.2% 63.9% 84.7%
117.3% 110.5% 88.5% 114.5% 136.8% 52.3% 70.6% 96.7% 114.1%
122.4% 106.4% 85.9% 108.3% 0.0% 104.5% 118.1% 84.4% 121.1%
96.6% 95.9% 95.8% 131.3% 100.4% 130.9% 84.8% 135.6%
100.2% 98.0% 129.4% 123.3% 128.8% 93.5% 89.3%
108.6% 108.9% 105.3% 100.2% 67.4% 60.4% 64.7% 64.1% 92.4%
100.2%
ighted) summary: Insured Business ALL COMPANIES (weighted) summ
Male
Exposures (years)
ge at disability Age at disability
45–49 50–54 55–59 60–64 all ages under 25 25–29 30–34 35–39
74 84 73 27 428 13 19 36 52
5,172 5,651 4,109 1,775 29,397 1,320 3,004 4,941 6,447
4,022 4,584 3,395 1,385 21,269 914 2,260 3,978 5,458
2,225 2,744 2,250 745 11,963 402 1,065 1,932 2,895
1,232 1,516 1,400 355 6,533 236 667 1,209 1,884
963 1,144 1,120 108 4,864 199 554 1,020 1,668
3,829 4,014 2,208 - 16,348 767 2,113 4,088 7,566
2,988 1,151 - - 14,019 1,981 4,947 10,246 16,330
20,505 20,887 14,554 4,395 104,820 5,830 14,628 27,450 42,301
104,392
Terminations
45–49 50–54 55–59 60–64 all ages under 25 25–29 30–34 35–39
182 191 144 66 929 21 26 44 74
6,001 6,267 4,382 1,570 36,489 1,782 3,564 5,395 6,594
3,373 3,622 2,191 617 17,399 715 1,680 2,716 3,549
1,274 1,274 733 146 6,052 317 755 1,290 1,631
226 241 119 32 1,132 60 125 226 314
73 76 58 1 398 35 59 113 139
125 143 67 - 592 62 93 186 281
60 29 - - 259 48 100 217 433
11,314 11,843 7,694 2,432 63,250 3,040 6,402 10,187 13,015
62,321
Deaths
45–49 50–54 55–59 60–64 all ages under 25 25–29 30–34 35–39
1 0 1 1 3 0 0 1 0
92 178 173 105 657 18 39 78 147
151 225 227 106 838 13 51 82 143
92 129 130 45 477 11 22 44 71
61 74 58 19 258 2 13 25 51
27 34 38 1 128 - 10 14 38
78 95 51 - 298 15 17 44 89
45 28 - - 185 36 75 161 339
547 763 678 277 2,844 95 227 449 878
2,841
45–49 50–54 55–59 60–64 all ages under 25 25–29 30–34 35–39
0 0 0 0 0 0 0 0 0
6,142 6,306 4,416 1,578 35,962 1,828 3,565 5,374 6,588
3,382 3,584 2,137 612 17,359 731 1,684 2,719 3,497
1,290 1,271 768 151 6,146 318 753 1,270 1,636
225 202 130 24 1,073 58 124 225 318
73 73 54 5 388 34 62 112 142
126 144 91 - 635 40 93 171 275
61 26 - - 264 41 104 236 417
11,300 11,607 7,595 2,370 61,826 3,051 6,385 10,106 12,872
61,826
Expected Deaths
45–49 50–54 55–59 60–64 all ages under 25 25–29 30–34 35–39
0 0 0 0 0 0 0 0 0
115 154 163 94 722 32 75 140 220
145 204 196 103 853 21 57 112 185
91 138 116 48 512 7 21 43 76
40 60 60 19 226 3 10 19 36
23 33 39 5 125 2 6 13 26
56 74 54 - 248 8 21 46 106
44 20 - - 174 28 75 178 325
514 682 628 270 2,859 102 265 552 975
2,859
45–49 50–54 55–59 60–64 all ages under 25 25–29 30–34 35–39
97.7% 99.4% 99.2% 99.5% 101.5% 97.5% 100.0% 100.4% 100.1%

99.7% 101.1% 102.5% 100.8% 100.2% 97.8% 99.8% 99.9% 101.5%
98.8% 100.2% 95.5% 96.4% 98.5% 99.6% 100.3% 101.6% 99.7%
100.4% 119.4% 91.7% 134.5% 105.5% 102.6% 100.6% 100.6% 98.9%
100.3% 103.6% 108.3% 20.4% 102.7% 101.7% 94.5% 101.2% 97.8%
99.1% 99.0% 73.4% 93.2% 156.5% 100.3% 109.0% 102.2%
97.7% 112.0% 98.2% 116.7% 96.3% 91.9% 103.9%
100.1% 102.0% 101.3% 102.6% 102.3% 99.6% 100.3% 100.8% 101.1%
100.8%
45–49 50–54 55–59 60–64 all ages under 25 25–29 30–34 35–39
80.2% 115.6% 105.9% 111.6% 91.0% 56.7% 52.1% 55.6% 66.7%

103.9% 110.5% 116.1% 102.5% 98.3% 60.8% 89.2% 73.2% 77.4%
100.8% 93.6% 112.1% 93.4% 93.2% 150.5% 104.0% 103.3% 93.7%
154.2% 123.6% 96.6% 99.3% 114.1% 63.3% 133.2% 128.2% 140.0%
119.5% 103.6% 97.2% 21.6% 102.3% 0.0% 155.3% 107.6% 146.5%
138.3% 127.9% 94.1% 120.2% 198.5% 81.9% 94.8% 83.6%
102.0% 142.5% 106.5% 127.3% 99.7% 90.5% 104.2%
106.4% 111.9% 107.9% 102.8% 99.5% 93.5% 85.5% 81.4% 90.1%
99.4%
ES (weighted) summary: Insured Business ALL COMPANIES (weighted)
Female
Exposures (years)
Age at disability Age at disabi
40–44 45–49 50–54 55–59 60–64 all ages under 25 25–29 30–34
66 95 131 133 75 618 11 41 77
8,116 11,166 14,608 15,463 10,190 75,255 1,073 4,116 7,486
7,616 11,320 15,590 17,420 10,269 74,826 766 3,123 5,977
4,420 6,981 10,237 12,457 5,844 46,232 359 1,615 3,199
3,257 5,257 7,798 9,962 3,020 33,289 218 1,018 2,072
2,948 4,712 6,954 8,954 945 27,953 166 841 1,742
13,113 19,686 27,839 18,230 7 93,408 628 3,207 6,942
19,371 17,851 9,175 9 0 79,910 1,722 7,732 16,357
58,906 77,067 92,332 82,629 30,350 431,493 4,945 21,694 43,853
430,875
Terminations
40–44 45–49 50–54 55–59 60–64 all ages under 25 25–29 30–34
83 98 142 159 82 729 20 63 141
7,652 9,725 11,572 10,332 5,721 62,337 1,517 5,328 8,741
4,471 6,020 7,136 6,100 2,580 34,967 612 2,224 3,935
2,159 3,004 3,470 3,017 895 16,538 233 927 1,794
450 585 827 760 190 3,537 61 193 350
215 296 398 435 43 1,733 30 85 173
430 689 1,053 712 1 3,507 39 135 295
525 571 309 1 - 2,204 24 145 259
15,985 20,988 24,907 21,516 9,512 125,552 2,536 9,100 15,688
124,823
Deaths
40–44 45–49 50–54 55–59 60–64 all ages under 25 25–29 30–34
1 0 4 3 6 15 0 0 0
241 516 940 1,192 963 4,134 4 39 78
279 552 940 1,191 688 3,939 13 34 97
136 268 496 579 315 1,942 9 26 37
65 158 285 427 120 1,146 2 12 33
61 119 187 307 37 773 2 10 19
218 400 719 560 - 2,062 2 22 56
410 466 262 1 - 1,750 18 100 146
1,411 2,479 3,833 4,260 2,129 15,761 50 243 466
15,746
40–44 45–49 50–54 55–59 60–64 all ages under 25 25–29 30–34
0 0 0 0 0 0 0 0 0
7,665 9,712 11,708 10,356 5,656 62,451 1,448 5,037 8,339
4,429 6,028 7,169 6,122 2,510 34,889 608 2,263 3,941
2,163 2,969 3,496 3,052 895 16,552 237 947 1,796
450 596 817 744 168 3,500 53 193 347
211 290 394 432 44 1,720 30 87 163
436 740 1,088 682 - 3,524 40 150 298
546 551 313 - - 2,209 27 124 277
15,900 20,886 24,985 21,387 9,272 124,845 2,443 8,802 15,159
124,845
Expected Deaths
40–44 45–49 50–54 55–59 60–64 all ages under 25 25–29 30–34
0 0 0 0 0 0 0 0 0
337 564 870 1,118 824 4,180 15 70 125
309 554 895 1,173 767 4,074 13 68 128
138 263 456 613 317 1,934 5 29 58
76 147 259 374 126 1,050 2 13 27
55 106 184 277 33 703 1 9 17
223 407 699 527 - 2,037 4 21 50
440 454 265 - - 1,766 13 64 160
1,577 2,497 3,628 4,082 2,066 15,744 54 275 565
15,744
40–44 45–49 50–54 55–59 60–64 all ages under 25 25–29 30–34
99.8% 100.1% 98.8% 99.8% 101.1% 99.8% 104.8% 105.8% 104.8%

101.0% 99.9% 99.5% 99.6% 102.8% 100.2% 100.6% 98.3% 99.9%
99.8% 101.2% 99.2% 98.9% 100.0% 99.9% 98.3% 97.9% 99.9%
100.0% 98.1% 101.3% 102.1% 113.3% 101.1% 116.1% 100.0% 101.0%
102.0% 102.2% 101.0% 100.8% 98.6% 100.7% 98.9% 97.4% 105.8%
98.6% 93.1% 96.8% 104.3% 99.5% 96.7% 89.8% 99.1%
96.1% 103.6% 98.6% 99.8% 89.2% 117.1% 93.6%
100.5% 100.5% 99.7% 100.6% 102.6% 100.6% 103.8% 103.4% 103.5%
100.0%
40–44 45–49 50–54 55–59 60–64 all ages under 25 25–29 30–34
71.6% 91.5% 108.0% 106.6% 116.9% 98.9% 27.0% 55.4% 62.3%

90.3% 99.6% 105.0% 101.5% 89.7% 96.7% 96.6% 50.1% 75.7%
98.5% 101.7% 108.8% 94.4% 99.5% 100.4% 172.7% 89.3% 63.9%
86.0% 107.2% 110.2% 114.2% 95.5% 109.2% 85.1% 89.8% 123.2%
110.9% 112.0% 101.4% 111.0% 112.2% 110.0% 145.1% 116.5% 109.7%
97.7% 98.2% 102.9% 106.2% 101.2% 56.2% 104.6% 112.5%
93.2% 102.5% 98.9% 99.1% 135.2% 155.5% 91.3%
89.5% 99.3% 105.7% 104.4% 103.0% 100.1% 92.5% 88.5% 82.5%
100.0%
PANIES (weighted) summary: Insured Business ALL COMPANIES (wei
All
Exposures (years)
Age at disability A
35–39 40–44 45–49 50–54 55–59 60–64 all ages under 25 25–29
93 124 165 194 151 57 912 24 60
9,796 12,299 15,969 18,395 14,863 7,485 91,482 2,393 7,120
8,585 11,503 15,692 18,432 15,382 7,145 86,605 1,680 5,384
4,786 6,664 9,483 11,447 10,291 3,935 51,779 761 2,680
3,185 4,597 6,750 8,179 7,865 1,984 35,869 454 1,684
2,765 4,085 5,878 7,091 6,901 618 30,088 365 1,395
11,759 17,793 23,444 26,895 14,140 28 104,837 1,396 5,320
23,421 25,986 21,325 8,634 46 39 105,262 3,702 12,679
64,391 83,050 98,706 99,266 69,639 21,291 506,835 10,775 36,321
505,923
Terminations
Age at disability A
35–39 40–44 45–49 50–54 55–59 60–64 all ages under 25 25–29
139 177 284 298 213 83 1,418 41 89
9,191 9,987 12,163 13,271 9,969 4,275 74,442 3,299 8,892
5,412 6,815 8,731 9,757 6,638 2,206 46,330 1,327 3,904
2,530 3,346 4,125 4,441 2,892 667 20,955 550 1,682
507 651 804 813 539 107 4,025 121 318
229 278 346 370 278 15 1,804 65 144
405 502 615 740 381 3 3,115 101 228
366 462 408 198 2 1 1,865 72 245
18,779 22,218 27,476 29,888 20,912 7,357 153,954 5,576 15,502
152,536
Deaths
Age at disability A
35–39 40–44 45–49 50–54 55–59 60–64 all ages under 25 25–29
0 0 1 0 2 1 4 0 0
105 219 397 687 733 452 2,714 22 78
162 278 554 886 858 431 3,313 26 85
98 171 308 489 455 156 1,749 20 48
49 103 203 260 251 63 976 4 25
33 62 109 174 172 12 593 2 20
91 195 336 455 278 2 1,437 17 39
243 333 303 156 1 1 1,301 54 175
781 1,361 2,211 3,107 2,750 1,118 12,087 145 470
12,083
Age at disability A
35–39 40–44 45–49 50–54 55–59 60–64 all ages under 25 25–29
0 0 0 0 0 0 0 0 0
9,280 10,080 12,308 13,349 10,014 4,328 74,182 3,276 8,602
5,372 6,870 8,774 9,748 6,481 2,207 46,265 1,340 3,947
2,540 3,329 4,179 4,430 2,931 674 21,063 555 1,700
514 655 805 788 553 100 4,006 111 317
230 279 343 366 274 19 1,791 65 150
409 509 619 749 409 - 3,182 80 243
423 500 441 194 - - 1,986 68 228
18,768 22,221 27,468 29,623 20,662 7,328 152,475 5,495 15,186
152,475
Expected Deaths
Age at disability A
35–39 40–44 45–49 50–54 55–59 60–64 all ages under 25 25–29
0 0 0 0 0 0 0 0 0
200 308 488 663 652 384 2,905 47 145
220 354 583 805 785 421 3,377 35 125
101 168 290 413 403 177 1,644 13 50
49 86 153 218 235 69 853 6 23
33 60 104 147 165 17 554 4 15
108 197 320 447 291 - 1,437 11 42
269 341 318 147 - - 1,313 42 140
981 1,514 2,256 2,840 2,530 1,068 12,083 156 540
12,083
Terminations Actual/Expected Terminations
Age at disability A
35–39 40–44 45–49 50–54 55–59 60–64 all ages under 25 25–29
99.0% 99.1% 98.8% 99.4% 99.5% 98.8% 100.4% 100.7% 103.4%

100.7% 99.2% 99.5% 100.1% 102.4% 99.9% 100.1% 99.1% 98.9%
99.6% 100.5% 98.7% 100.3% 98.7% 98.9% 99.5% 99.1% 98.9%
98.7% 99.4% 99.8% 103.2% 97.5% 107.3% 100.5% 109.0% 100.2%
99.6% 99.7% 101.0% 101.0% 101.6% 79.5% 100.7% 100.4% 96.2%
99.1% 98.7% 99.4% 98.8% 93.3% 97.9% 126.3% 93.8%
86.5% 92.3% 92.5% 102.0% 93.9% 105.8% 107.6%
100.1% 100.0% 100.0% 100.9% 101.2% 100.4% 101.0% 101.5% 102.1%
100.0%
Age at disability A
35–39 40–44 45–49 50–54 55–59 60–64 all ages under 25 25–29
52.6% 71.1% 81.4% 103.6% 112.5% 117.8% 93.4% 47.3% 53.7%

73.5% 78.5% 95.0% 110.1% 109.4% 102.3% 98.1% 74.6% 68.0%
97.2% 101.5% 106.3% 118.5% 112.8% 88.3% 106.4% 159.8% 95.5%
99.1% 119.2% 132.7% 119.0% 106.9% 91.5% 114.4% 72.6% 108.2%
99.0% 103.6% 104.6% 118.2% 104.2% 68.8% 107.0% 56.6% 133.1%
84.1% 99.2% 105.0% 101.8% 95.5% 100.0% 152.9% 93.3%
90.4% 97.7% 95.2% 105.9% 99.1% 129.9% 125.4%
79.6% 89.9% 98.0% 109.4% 108.7% 104.7% 100.0% 93.2% 87.0%
100.0%
COMPANIES (weighted) summary: Insured Business
Age at disability
30–34 35–39 40–44 45–49 50–54 55–59 60–64 all ages
113 144 189 259 324 285 131 1,530
12,427 16,243 20,415 27,135 33,003 30,326 17,675 166,737
9,955 14,043 19,119 27,012 34,022 32,802 17,414 161,431
5,131 7,681 11,084 16,464 21,684 22,748 9,779 98,011
3,281 5,069 7,854 12,007 15,977 17,827 5,004 69,159
2,762 4,433 7,032 10,590 14,045 15,855 1,563 58,041
11,031 19,325 30,906 43,130 54,733 32,370 35 198,245
26,603 39,752 45,357 39,176 17,809 55 39 185,172
71,303 106,691 141,957 175,773 191,598 152,269 51,641 938,328
936,798
Age at disability
30–34 35–39 40–44 45–49 50–54 55–59 60–64 all ages
185 213 260 382 440 372 165 2,147
14,136 15,785 17,639 21,888 24,843 20,301 9,996 136,779
6,651 8,961 11,286 14,751 16,893 12,738 4,786 81,297
3,084 4,161 5,505 7,129 7,911 5,909 1,562 37,493
576 821 1,101 1,389 1,640 1,299 297 7,562
286 368 493 642 768 713 58 3,537
481 686 932 1,304 1,793 1,093 4 6,622
476 799 987 979 507 3 1 4,069
25,875 31,794 38,203 48,464 54,795 42,428 16,869 279,506
277,359
Age at disability
30–34 35–39 40–44 45–49 50–54 55–59 60–64 all ages
1 0 1 1 4 5 7 19
156 252 460 913 1,627 1,925 1,415 6,848
179 305 557 1,106 1,826 2,049 1,119 7,252
81 169 307 576 985 1,034 471 3,691
58 100 168 361 545 678 183 2,122
33 71 123 228 361 479 49 1,366
100 180 413 736 1,174 838 2 3,499
307 582 743 769 418 2 1 3,051
915 1,659 2,772 4,690 6,940 7,010 3,247 27,848
27,829
d Terminations
Age at disability
30–34 35–39 40–44 45–49 50–54 55–59 60–64 all ages
0 0 0 0 0 0 0 0
13,712 15,868 17,745 22,020 25,056 20,370 9,984 136,633
6,659 8,870 11,298 14,801 16,917 12,603 4,717 81,153
3,066 4,176 5,492 7,148 7,926 5,983 1,569 37,615
571 831 1,105 1,402 1,604 1,297 267 7,506
275 372 490 632 760 705 62 3,511
468 684 945 1,359 1,836 1,091 - 6,706
513 840 1,047 992 508 - - 4,195
25,265 31,640 38,121 48,354 54,608 42,050 16,600 277,320
277,320
Age at disability
30–34 35–39 40–44 45–49 50–54 55–59 60–64 all ages
0 0 0 0 0 0 0 0
266 420 644 1,052 1,534 1,770 1,208 7,085
240 405 663 1,137 1,700 1,958 1,189 7,451
100 177 306 553 868 1,016 493 3,578
46 86 162 300 477 609 194 1,903
30 59 115 210 332 442 50 1,257
96 215 420 727 1,145 818 - 3,474
338 594 781 773 412 - - 3,079
1,117 1,956 3,091 4,753 6,468 6,613 3,135 27,827
27,827
xpected Terminations
Age at disability
30–34 35–39 40–44 45–49 50–54 55–59 60–64 all ages
103.1% 99.5% 99.4% 99.4% 99.1% 99.7% 100.1% 100.1%

99.9% 101.0% 99.9% 99.7% 99.9% 101.1% 101.5% 100.2%
100.6% 99.6% 100.2% 99.7% 99.8% 98.8% 99.6% 99.7%
100.8% 98.8% 99.7% 99.1% 102.2% 100.1% 111.1% 100.7%
103.9% 98.9% 100.7% 101.6% 101.0% 101.1% 92.8% 100.7%
102.7% 100.3% 98.7% 96.0% 97.6% 100.2% 98.7%
92.8% 95.1% 94.3% 98.7% 99.9% 97.0%
102.4% 100.5% 100.2% 100.2% 100.3% 100.9% 101.6% 100.8%
100.0%
xpected Deaths
Age at disability
30–34 35–39 40–44 45–49 50–54 55–59 60–64 all ages
58.7% 60.0% 71.4% 86.8% 106.1% 108.8% 117.2% 96.7%

74.5% 75.3% 84.0% 97.2% 107.4% 104.7% 94.1% 97.3%
80.6% 95.7% 100.2% 104.1% 113.4% 101.7% 95.5% 103.2%
125.3% 116.5% 103.7% 120.2% 114.3% 111.4% 94.1% 111.5%
108.8% 119.8% 107.1% 108.3% 108.9% 108.4% 97.2% 108.7%
103.9% 83.9% 98.4% 101.2% 102.5% 102.4% 100.7%
90.9% 98.0% 95.2% 99.5% 101.4% 99.1%
81.9% 84.8% 89.7% 98.7% 107.3% 106.0% 103.6% 100.1%
100.0%

CIA Long-Term Disability Termination Study 2009-2015

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CIA Long-Term Disability Termination Study 2009-2015

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CIA Long-Term Disability Termination Study 2009–2015

This file is an appendix to the CIA report titled:

Age means attained age last birthday.

Rates are monthly up to and including month 60, then annual.

file is an appendix to the CIA report titled:

means attained age last birthday.

es are monthly up to and including month 60, then annual.

Termination Rates – Québec – female

2 mth prior 10% 10% 10% 10%

Example Calculation (note formulas in the cells)

Claimant is Québec female age 33 at disability.

Step 1 – Determine month of CiD. 30

Step 2 – Find key rate at month 28. 0.41000

Step 3 – Adjustment factor for CiD not in month 28. 0.97022500

Step 4 – Adjust key rate to month 30. 0.39779

Step 5 – Distribution key rate adjustment. month

Step 5 – Find base rate. 28 0.04322

Step 6 – Add components for final rates. 28 0.08300

Compare final to base rates. 28 192%

c – female Termination Rates – Québec – male

0.98500 0.98500 0.98500 0.98500 0.98500 0.98500 0.98500 0.98500

10% 10% 10% 10% 10% 5% 5% 5%

g period (i.e., in month 30).

0.98500 0.98500 0.98500 0.98500 0.98500 0.98500 0.98500 0.98500

0.98500 0.98500 0.98500 0.98500 0.98500 0.98500 0.98500 0.98500

10% 10% 10% 10% 10% 10% 10% 5%

0.98500 0.98500 0.98500 0.98500 0.98500 0.98500 0.98500 0.98500

Male – Québec (mortality)

0.00405 0.00468 0.00530 0.00592

Male Male Female Female Male Male

Male Male Female Female Male Male

Male Male Female Female Male Male

101.1% 99.9% 100.3% 101.4% 100.1% 99.8% 100.2% 99.9% 97.5%

113.3% 98.5% 12.2% 22.0% 45.7% 54.6% 69.5% 94.4% 113.9%

100.4% 101.2% 99.8% 99.3% 98.9% 97.6% 99.8% 99.5% 99.9%

108.4% 128.2% 100.0% 29.8% 60.1% 77.8% 55.4% 67.7% 81.7%

99.5% 99.8% 98.4% 99.3% 112.6% 114.5% 111.6% 98.4% 98.7%

100.0% 114.6% 119.8% 94.3% 21.1% 44.0% 33.9% 45.3% 82.5%

97.7% 99.4% 99.2% 99.5% 101.5% 97.5% 100.0% 100.4% 100.1%

80.2% 115.6% 105.9% 111.6% 91.0% 56.7% 52.1% 55.6% 66.7%

99.8% 100.1% 98.8% 99.8% 101.1% 99.8% 104.8% 105.8% 104.8%

71.6% 91.5% 108.0% 106.6% 116.9% 98.9% 27.0% 55.4% 62.3%

99.0% 99.1% 98.8% 99.4% 99.5% 98.8% 100.4% 100.7% 103.4%

52.6% 71.1% 81.4% 103.6% 112.5% 117.8% 93.4% 47.3% 53.7%

103.1% 99.5% 99.4% 99.4% 99.1% 99.7% 100.1% 100.1%

58.7% 60.0% 71.4% 86.8% 106.1% 108.8% 117.2% 96.7%

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