SOCIAL SECURITY

DISABILITY INSURANCE PROGRAM

WORKER EXPERIENCE

ACTUARIAL STUDY NO. 114

by Tim Zayatz, A.S.A.

Social Security Administration

Office of the Chief Actuary

June 1999

SSA Pub. No. 11-11543
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FOREWORD

The most recent work dedicated to presenting actuarial experience of the Social Security Disability Insurance (DI)

program is Actuarial Study #93, Disabled Worker Projections OASDI Cost Estimates (November 1984). The study

examined historical data with regard to disability incidence over the period 1965-1982, and termination of disabled

worker benefits over the period 1977-1980. The study also provided the then-current projections of selected data for

calendar years 1984-1993. The overall content of Actuarial Study #114 is consistent with that of previous studies;

namely, disability incidence is analyzed over the period 1975-1998, and terminations are analyzed over the period

1991-1995. However, the addition of new material as well as the deletion of some old material marks the author’s

attempt to address issues, questions, and concerns that have been raised since the publication of those prior studies. In

addition, the methods used to prepare actuarial estimates for the program have evolved in an effort to improve both

their accuracy and usefulness. The underlying methodology for table construction, which differs from that used in

previous studies, is outlined in the appendix. The interested reader may consult prior actuarial studies for comparison.

This study does not present projections of actuarial cost estimates, which appeared intermittently in previous studies.

For this information, the reader is referred to Actuarial Study #111, Short-Range Actuarial Projections of the

Old-Age, Survivors, and Disability Insurance Program (December 1996), which was developed to provide a detailed

description of the methodology and assumptions used in projecting the costs associated with the entire OASDI

program.

Over the years, the dynamics of the DI program have been shaped by economic activity, demographic shifts, public

opinion, and resulting congressional activity. Events that had a significant impact on the DI rolls and program

experience are discussed in detail. Of particular interest are the trends in disability incidence and termination that

developed over the last several years, along with their causes. It should be noted, however, that due to dynamic

political, economic, and demographic environments, the experience presented here might be quite different from

future and even current trends.

The author is appreciative of the efforts of Felicitie Bell, who extended the expertise of the demographic department

by providing insight into the nuances of demographic data, life table construction, and blending methodologies. The

author also recognizes the efforts of Alan Shafer, Bert Kestenbaum, Roger Hicks, Steve McKay, and all the seasoned

actuaries of the Office of the Chief Actuary. Special thanks to Mary McKay and her staff for data and insight into the

Supplemental Security Income (SSI) program.

The study is also available on the Social Security Administration’s website at www.ssa.gov/OACT/pubs.html.

Additional copies of the study are available upon request. Please refer to the inside cover for details. Finally, readers

are welcome to provide comments or suggestions regarding any of the material contained within. Comments may be

directed to Tim.A.Zayatz@ssa.gov. 

Eli N. Donkar, Ph.D., A.S.A., M.A.A.A.

Deputy Chief Actuary
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I. ENTITLEMENT TO DISABILITY INSURANCE BENEFITS . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1

A. Definition of Disability . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1

B. Disability Insured Status and Waiting Period . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1

II. EXPERIENCE OF DISABILITY DETERMINATIONS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2

A. Substantial Gainful Activity (SGA) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2

B. Impairments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2

C. Determination Process . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3

D. Applications . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3

E. Initial Decisions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3

F. Reconsideration . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4

G. Appeals Beyond Reconsideration . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4

III. EXPERIENCE OF DISABILITY INCIDENCE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5

A. History . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5

B. Recent Experience . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5

IV. EXPERIENCE OF DISABILITY BENEFIT TERMINATION. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7

A. Background . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7

B. History . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8

C. Recent Experience . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8

D. Termination Study by Select Age and Duration . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9

DISABILITY PROGRAM HISTORICAL TABLES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11-16

TERMINATION STUDY TABLES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19-38

ANNUITY TABLES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 41-56

V. TECHNICAL APPENDIX ON TABLE CONSTRUCTION METHODOLOGY. . . . . . . . . . . . . . . 59

A. Overview . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 59

B. Data Considerations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 59

C. Data Collection. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 59

D. Underlying Methodology . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 60

E. Programs. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 63

APPENDIX TABLES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 65-73

TABLE OF CONTENTS
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HISTORICAL TABLES

1 Disabled Worker Benefits Awarded—Percentage Distribution

(by diagnostic group and gender, calendar years 1982-1997). . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11

2 Disabled Worker Disposition of Applications for Disability Benefits

(by level of review and program involvement, calendar years of filing 1988-1998) . . . . . . . . . . . 12

3 Disabled Worker Awards

(by age and gender, calendar years 1975-1998) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13

4 Disabled Worker Incidence Rates

(by age and gender, calendar years 1975-1998) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14

5 Disabled Worker Terminations and Gross Termination Rates

(by reason for termination and gender, calendar years 1975-1998) . . . . . . . . . . . . . . . . . . . . . . . . 15

6 Disabled Workers in Current-Payment Status

(by age and gender, end of calendar years 1975-1998). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16

TERMINATION STUDY BY SELECT AGE AND DURATION

7A Male Disabled Worker Probability of Death. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19

7B Female Disabled Worker Probability of Death . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20

8A Male Disabled Worker Probability of Recovery . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21

8B Female Disabled Worker Probability of Recovery . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22

9A Male Disabled Worker Probability of Death or Recovery . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23

9B Female Disabled Worker Probability of Death or Recovery. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24

10A Male Disabled Worker Life Table—Survivorship Reflecting Death Only . . . . . . . . . . . . . . . . . . . 25

10B Female Disabled Worker Life Table—Survivorship Reflecting Death Only . . . . . . . . . . . . . . . . . 26

10C Disabled Worker Life Table—Survivorship Reflecting Death Only (older ages) . . . . . . . . . . . . . 27

11A Male Disabled Worker Life Table—Survivorship Reflecting Death or Recovery . . . . . . . . . . . . . 28

11B Female Disabled Worker Life Table—Survivorship Reflecting Death or Recovery . . . . . . . . . . . 29

11C Disabled Worker Life Table—Survivorship Reflecting Death or Recovery (older ages). . . . . . . . 30

12A Male Disabled Worker Expected Future Lifetime. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 31

12B Female Disabled Worker Expected Future Lifetime. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 32

12C Disabled Worker Expected Future Lifetime (older ages) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 33

13A Male Disabled Worker Expected Time on the DI Rolls . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 34

13B Female Disabled Worker Expected Time on the DI Rolls . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 35

14A Male Disabled Worker Expected Time on the OASDI Rolls . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 36

14B Female Disabled Worker Expected Time on the OASDI Rolls . . . . . . . . . . . . . . . . . . . . . . . . . . . 37

14C Disabled Worker Expected Time on the OASDI Rolls (older ages) . . . . . . . . . . . . . . . . . . . . . . . . 38

Table Description Page

LIST OF TABLES
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DISABLED WORKER ANNUITY TABLES

15A Male Annual Life Annuity—Due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 41

15B Male Annual Life Annuity—Immediate . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 42

15C Male Monthly Life Annuity—Due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 43

15D Male Monthly Life Annuity—Immediate . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 44

16A Female Annual Life Annuity—Due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 45

16B Female Annual Life Annuity—Immediate . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 46

16C Female Monthly Life Annuity—Due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 47

16D Female Monthly Life Annuity—Immediate . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 48

17A Male Annual Life Annuity to Age 65—Due. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 49

17B Male Annual Life Annuity to Age 65—Immediate . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50

17C Male Monthly Life Annuity to Age 65—Due. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 51

17D Male Monthly Life Annuity to Age 65—Immediate . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 52

18A Female Annual Life Annuity to Age 65—Due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 53

18B Female Annual Life Annuity to Age 65—Immediate. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 54

18C Female Monthly Life Annuity to Age 65—Due . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 55

18D Female Monthly Life Annuity to Age 65—Immediate. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 56

APPENDIX TABLES

A.1A Male Disabled Worker Probability of Death (Blended) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 65

A.1B Female Disabled Worker Probability of Death (Blended) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 66

A.1C Disabled Worker Probability of Death (Blended—older ages). . . . . . . . . . . . . . . . . . . . . . . . . . . . 67

A.2A Male Disabled Worker Probability of Death or Recovery (Blended) . . . . . . . . . . . . . . . . . . . . . . . 68

A.2B Female Disabled Worker Probability of Death or Recovery (Blended) . . . . . . . . . . . . . . . . . . . . . 69

A.3A Male Disabled Worker Absolute Death Rates. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 70

A.3B Female Disabled Worker Absolute Death Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 71

A.4A Male Disabled Worker Absolute Recovery Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 72

A.4B Female Disabled Worker Absolute Recovery Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 73

Table Description Page
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1 Substantial Gainful Activity Amounts

for the Disability Insurance Program 1957-1999 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2

2 Disabled Worker Awards

by Age Group, Calendar Years 1975-1998 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5

3 Disabled Worker Terminations

by Reason for Termination, Calendar Years 1975-1998 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9

4 Disabled Worker Termination Rates

by Reason for Termination, Calendar Years 1975-1998 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9

Figure Description Page

LIST OF FIGURES
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SOCIAL SECURITY DISABILITY INSURANCE PROGRAM

WORKER EXPERIENCE

I. ENTITLEMENT TO DISABILITY INSURANCE BENEFITS

After onset of a severe physical or mental impairment, a

worker may become entitled to monthly disability insurance

benefits under the Social Security Old-Age, Survivors, and

Disability Insurance (OASDI) program, provided he or she:

• Meets the definition of disability set forth in the Social

Security Act;

• Has filed a claim for disability insurance benefits; 

• Satisfies the disability insured requirements of the Act; 

• Has completed a 5-month waiting period; and

• Has not attained normal retirement age1.

A worker’s cash benefit is classified as an award at the time of

initial payment. Additional auxiliary benefits may also be

payable to other family members based on the earnings record

of the entitled worker. This study analyzes the activity of

disabled workers of the Social Security Disability Insurance

(DI) program as described under title II of the Social Security

Act.

A. Definition of Disability

For purposes of entitlement to DI benefits, disability is defined

as the inability to engage in any substantial gainful activity

(SGA) by reason of any medically determinable physical or

mental impairment. The impairment must be expected to result

in death or to last for a continuous period of at least 12 months.

In addition, the disability must prevent the claimant from

performing previous work, or engaging in any other kind of

work in which a significant number of jobs exist. It is

immaterial whether such work exists in the claimant’s

immediate area, or whether a specific job vacancy exists, or

whether the claimant would be hired if he or she applied for

work. 

Several additional points are worth mentioning:

• The worker’s impairment must be the primary reason for

the inability to engage in SGA. 

• The formal determination of disability is based on a

sequential process defined in regulations. The first step

compares actual earnings to a specified level to determine

ability to engage in SGA. Absent such actual earnings

evidence, the sequential process continues with an

evaluation of the nature and severity of the alleged

impairment, followed by consideration of age, education,

and work experience.

• Under the Social Security Act as amended in 1996 by

Public Law 104-121, drug-addiction or alcoholism may

not be used as a contributing material factor in the

disability determination process.

• Special provisions exist for the evaluation of insured status

and disability in cases of statutory blindness. 

• The same definition of disability applies when

determining eligibility of adults under the Supplemental

Security Income (SSI) program as described under title

XVI of the Social Security Act. This means-tested cash

benefits program is also administered by the Social

Security Administration (SSA).

B. Disability Insured Status and Waiting Period

To be insured for disability benefits, a worker must earn a

requisite number of quarters of coverage (QCs) in employment

covered by Social Security.2 The worker must accrue a

sufficient number of QCs to be deemed fully insured3 and, in

addition, must have worked recently in covered employment.

The number of required recent QCs varies by age, and ranges

from 6 out of the last 12 quarters immediately preceding the

onset of disability, to 20 out of the last 40.

The waiting period for DI benefits consists of 5 consecutive

full calendar months beginning with the earliest full calendar

month throughout which the worker satisfied both the

definition of disability and the disability insured requirements.

Benefits are not payable during the waiting period. However,

the waiting period is waived for individuals who had a prior

period of disability, which ended within 5 years of the current

period of disability. In contrast, there is no waiting period for

disability benefits under the SSI program.

1 Under present law, the normal retirement age is currently specified as

age 65, and is scheduled to increase gradually to age 67 beginning with

persons attaining age 62 in 2000.

2 In 1999, a worker receives one QC (up to a maximum of four) for each

$740 of annual covered earnings. The $740 amount is indexed each year

by increases in average wages.

3 Fully insured status is obtained by earning one QC for each year after

attainment of age 21 and before the earliest of (1) attainment of age 62,

(2) onset of disability, or (3) death.
2

II. EXPERIENCE OF DISABILITY DETERMINATIONS 

A. Substantial Gainful Activity (SGA)

Substantial work activity involves the performance of

significant physical or mental duties that are productive in

nature. The degree to which an impairment limits an

individual’s ability to perform basic work activities is essential

in determining the severity of the disability. Basic work

activities include: sitting, standing, walking, lifting, carrying,

handling, reaching, pushing, pulling, climbing, stooping,

seeing, hearing, speaking, understanding, carrying out simple

instructions, using judgment, responding appropriately in a

work setting, and dealing with changes in work routine.

Gainful work activity is work performed for remuneration or

profit. Certain earnings criteria have been established as

reasonable indications of whether an individual is engaged in

SGA. An employee averaging over $700 per month will

ordinarily demonstrate SGA; less than $300 per month will

ordinarily demonstrate lack of SGA; between $300 and $700

per month will require that consideration be given to all

circumstances related to the work activity. The dollar amount

associated with defining SGA is specified in regulations, and

was originally set at $100 at the inception of the DI program.

This amount has been updated from time to time as actual

wages within the economy have increased. Recent updates in

the SGA amount include an increase in 1990 to $500 from

$300; and an increase in July 1999 to $700 from $500. Since

1977, blind persons have been subject to a separate SGA

amount. Figure 1 shows a history of the level of SGA.

B. Impairments

To establish the presence of an impairment, an individual must

provide supporting medical evidence along with the disability

claim. The Social Security Administration’s Listing of

Impairments is used to determine the severity of the disability.

The listings contain examples of common impairments for

each of the major bodily systems that are deemed to be of such

severity as to prevent a person from performing SGA.

However, a diagnosis of a listed impairment alone may not be

sufficient to establish disability; associated symptoms, clinical

signs, and laboratory findings must accompany it. In addition,

claimants are asked to provide the names of employers and job

duties for the last 15 years.

Many individuals are found to be disabled even though

impairments fail to meet the level of severity required in the

medical listings. In these cases, an individual’s medical

condition is evaluated in conjunction with age, education, and

job skills. These vocational factors are given increasing weight

with the advancing age of the worker, and are particularly

significant in the determination of disability among workers

age 50 or older.

The leading diagnostic categories for disability varies by

gender and year of award. Table 1 shows the leading causes

among disabled workers relative to the DI program. Mental

disorders represent the largest single category of new awards

among both males and females, as ranked by average

percentage over the period 1993-1997. Note that revised

listings for mental impairments (published in 1985) led to the

re-adjudication of a large number of cases, resulting in a jump

in new awards in 1986. 

Musculoskeletal disorders have increased significantly over

1995-1997, for both sexes. This category has become the

leading cause for awards in 1996 and 1997. One possible

explanation for this would be the aging of the baby-boom

generation (birth cohorts 1946-1964), which may be

experiencing a higher incidence of arthritic, back, and bone

disorders as they enter their late 40s and early 50s.

Among males, circulatory disorders have always been a

leading cause; however, awards in this category have generally

declined since 1987. Awards based on neoplasmic disorders

have also declined in recent years. In both cases, these recent

trends are due, in part, to improved medical treatments. Awards

based on infectious disease increased significantly in 1990 due

to the increasing impact of HIV infection. This category has

been declining since 1994, with a significant drop occurring in

1997.

Figure 1.—Substantial Gainful Activity Amounts 

for the Disability Insurance Program 1957-1999

$0 

$200 

$400 

$600 

$800 

$1,000 

$1,200 

1955 1960 1965 1970 1975 1980 1985 1990 1995 2000

Calendar year

SGA amounts for 

blind persons

SGA amounts for 

non-blind persons
3

Awards based on neoplasm and nutritional disorders rank

higher among females than males; awards based on circulatory

disorders and infectious disease rank lower. Higher prevalence

of cancer, eating, and chemical disorders among females may

account for this; in addition, circulatory and HIV impairments

are not as prominent.

C. Determination Process

At the initial stage of a claimant’s request for disability

benefits, the State Disability Determination Services (DDS)

will make a decision to allow or deny the claim. A claimant

who is dissatisfied with the initial decision may request further

review. This review process consists of several steps, which

must be requested within specified time intervals, and in the

following order:

• The claimant may request the reconsideration of an initial

decision. This entails re-examination of administrative

records, with the opportunity to submit new material

evidence supporting the claim. 

• If disagreement persists after the reconsideration, the

claimant may request a hearing before an administrative

law judge (ALJ) of the Office of Hearings and Appeals

(OHA). 

• If disagreement persists after the ALJ decision, the

claimant may request a review by the Appeals Council of

OHA, and then may pursue civil action in a Federal

district court.

Table 2 presents data on the disposition of claims for disability

benefits across the various review stages, for calendar years

1988-1998. The data are tabulated by year of filing and are

shown separately by whether or not there is a concurrent claim

for SSI benefits. As mentioned earlier, both programs use the

same definition of disability for adults. However, eligibility for

SSI benefits is further dependent upon the claimant’s countable

assets and income, which may include DI benefits.

Many factors exist that affect the number of disability claims

filed as well as the frequency of subsequent decisions to either

allow or deny benefits. However, the impact of any one factor

is difficult to gauge; in general, they may be administrative,

economic, or demographic in nature. Below is a list of some of

the leading determinants which may have a significant impact

on both the number of claims filed and the rate of favorable

determinations4

:

• Legislative changes to the program;

• Changes in the impairment listings;

• Changes in medical evidentiary requirements and

diagnostic trends; 

• Actions by Federal, State, and local governments to

increase program awareness and encourage enrollment; 

• National health threats such as HIV and AIDS; 

• Strength of national and regional economies;

• Changes in the SGA amount; 

• Employment shifts—historically, the level of female labor

force participation has affected program growth and

volatility;

• Changes in the nature of work—the level of part-time or

temporary work can impact disability insured status; 

• Demographic shifts—the aging of the baby-boom is

expected to have a significant impact on program growth; 

• Level of administrative funding and the ability to control

current caseloads and backlogs; 

• Public pressure on program policy, which may lead to

changes in regulations or legislative action; 

• Level of court involvement in the appeals process; 

• Results of appeals and class action suits challenging SSA’s

interpretation of the law.

D. Applications

Roughly 1.25 million claims for DI disabled worker benefits

were filed in 1994. Since then, filings have declined to an

estimated 1.03 million in 1998. Applications grew by an

average of 7.3 percent annually over the period 1988-1994,

with a 17.4 percent increase in 1991 alone. As mentioned

above, many factors contributed to the growth in disability

applications over that period. 

More recently, many of the trends that led to program growth

have reversed, leading to a decline in DI enrollment. Some

factors contributing to the decline since 1994 include a robust

economic expansion and lower levels of unemployment;

leveling off of female labor force participation; a decline in

HIV-related impairments; and the elimination of drugaddiction and alcoholism as material causes for disability.

E. Initial Decisions

Growth in the initial allowance rate during 1988-1991 is

attributable to many of the same factors that caused application

growth over the same period. The DI program saw similar

significant growth in both applications and allowances in the

early 1970s with the introduction of the Black Lung and SSI

programs.

Beginning in 1992, the allowance rate began to decline even as

application growth continued. This may be indicative of less

severe impairments among applicants, which led to a lower

percentage of allowances among new claims.

4 Discussed in greater detail in The Social Security Disability Insurance

Program—an Analysis (Department of Health and Human Services,

December 1992).
4

It is worth noting that allowance rates tend to be much lower

among concurrent DI-SSI claims than DI-only claims. This

may be due to differences in the composition and economic

status of the filers. Concurrent filers tend to be of lesser means

(reflective of the nature of the SSI program) and are thus more

likely affected by changes in the economy. Many times the

only alternative is to seek aid from Federal, State, or local

programs. Consequently, concurrent filers may exhibit less

severe disability, or provide less evidence of impairment,

resulting in fewer allowances.

Finally note that as pending decisions are cleared, the ultimate

allowance rate will be lower than that shown in table 2, for

years where pending claims exist. This is due to the greater

processing time needed for denials.

F. Reconsideration

Allowance rates at the reconsideration level have been very

consistent. Although the reconsideration stage is de novo5 in

concept, it is similar to the initial stage in that disability

determination is mostly a “paper review” process where

claimants are rarely observed by the decision-maker. Assuming

some uniformity among the initial decision-makers, it follows

that initial denials are seldom overturned at reconsideration. 

G. Appeals Beyond Reconsideration

The subjectivity inherent in assessing disability leaves

considerable room for interpretation of evidence. As a result,

overturned decisions at the OHA level and beyond remain

relatively high. Factors that contribute to the high reversal rate

include:

• A group of decision-makers different from those used at

the initial and reconsideration stages;

• Use of legal representation and the opportunity to submit

new material evidence supporting the claim; and

• This is often the first time a claimant is seen face-to-face

by the decision-makers.

Class action suits can also have an impact on the determination

process. Public pressure has surfaced in controversial areas

such as mental impairment issues; the amount of leverage

given to allegations of pain; statements by treating physicians

in the absence of clinical evidence; how HIV-related

impairments and cardiovascular diseases are evaluated; use of

vocational factors in the absence of a single debilitating

impairment; and the consistency of DDS decisions with SSA

policy. Although the number of claimants directly involved in

any one case may not be large, the outcome may have a broader

and subtler influence on subsequent rulings and

determinations.

Finally, recent attempts to redesign the disability determination

process may lead to a reduction in the OHA allowance rate.

Federal efforts aim to improve the process by striving to reach

the proper determination at the earliest possible stage, thus

reducing the decision writing backlog as well as the rate of

overturned decisions at the OHA level.

5 That is, a case is reviewed in its entirety and a new decision is made

unrelated to the initial decision.
5

III. EXPERIENCE OF DISABILITY INCIDENCE

A. History

Since the commencement of disability cash benefits in July

1957, dynamics of the DI program have been subject to many

internal and external factors. Congressional action, public

opinion, and court rulings have shaped program characteristics

including: how disability is defined; the determination of

entitlement; the level of benefits; the review process of current

beneficiaries; and ultimate program cost. Prior to 1960, the DI

program applied only to workers age 50 or older. Prior to 1965,

a claimant needed to be permanently disabled to qualify for

benefits. The Social Security Amendments of 1967 (Public Law

90-248) eased the insured status requirements for persons

under age 31, allowing a substantial number of young

beneficiaries to enter the rolls. From 1968 through 1970,

disability incidence remained fairly stable; however, through

the early 1970s program growth far exceeded any reasonable

expectations.

The introduction of the Black Lung program (1970) and the

SSI program (1974), and a severe economic recession

(1974-75) led to hundreds of thousands of new disability

claims. In addition, administrative policy also tended to change

as the DI program became bigger and more complex. Notably,

the SSI program generally requires applicants under the age of

65 to apply for benefits from all other programs including DI,

which may partially or fully offset SSI benefits. As expediency

in processing applications was naturally given high priority,

central office review of DDS initial decisions fell to roughly

5 percent in 1972 from 100 percent prior to 1972. The

increased public awareness and pressures of administering two

new programs probably contributed significantly to the sharp

increase in new awards from 1972 to 1976. 

The Social Security Amendments of 1977 (Public Law 95-216)

and the Social Security Disability Amendments of 1980 (Public

Law 96-265) also had significant impact on the DI program.

The 1977 amendments changed the benefit formula used to

calculate benefits awarded in 1979 and later. The 1980

amendments introduced a more restrictive limit on the total

monthly amount of Social Security benefits payable on a

disabled worker’s account; and mandated a 65 percent review

rate of DDS allowances to assure uniformity of decisions. The

return to high levels of review during this period led the DDSs

to give increasingly careful consideration to new allowances,

and increased the chances of reversing an initially favorable

decision. These circumstances contributed to steadily declining

awards from 1977 through 1982.

By 1984, DI program policy had undergone another reversal.

Congressional and public concern over the removal of a large

number of beneficiaries (particularly the mentally impaired)

resulted in an administrative moratorium on the review of the

disability rolls while Congress considered new DI legislation.

Many beneficiaries whose benefits had been terminated were

returned to the rolls through the appeals process. This initiated

a period of increased court appeals and class action suits. In

response, Congress passed the Social Security Disability

Benefits Reform Act of 1984 (Public Law 98-460). Provisions

of the Act include: revised mental impairment standards;

increased emphasis on treating physician opinion; emphasis

given to the combined effects of multiple impairments in the

absence of a single severe impairment; required proof of

medical improvement prior to termination of benefits; and

standards to evaluate pain.

B. Recent Experience

Table 3 shows the total number of DI disabled workers

awarded benefits grouped by calendar age6 at time of award,

for calendar years 1975-1998. These awards are also illustrated

in figure 2.

Table 4 shows the associated disabled worker incidence rates,

which are expressed as annual awards per thousand disability

insured not already receiving benefits. Adjusted figures are

expressed as age-adjusted (male and female) or age-sexadjusted (total) relative to the exposed population as of 1998.

Tables 3 and 4 are tabulated as of the year the beneficiary is

added to the rolls. Note, however, that the year of award may

actually be different from the year of disability onset or

entitlement. This is due to factors such as the waiting period,

the nature of the determination process, and claims processing

times in general. Consequently, the incidence rates shown are

6 Calendar age is the integral age attained on the birthday in the year in

which the individual is awarded benefits.

Figure 2.—DI Disabled Worker Awards 

by Age Group, Calendar Years 1975-1998

(In thousands)

0

100

200

300

400

500

600

700

1975 1980 1985 1990 1995

Calendar year

25-34

35-44

45-54

55 or

 older

Under 25
6

not necessarily representative of true morbidity rates for the

stated calendar years.

The highest rates of incidence within the DI program occur

from ages 50-65. The chance of disability entitlement increases

naturally with advancing age, but also as a result of greater

consideration given to vocational factors. This trend will have a

significant impact on future program cost as the baby-boom

generation progresses toward ages of higher incidence. Note

that the rates shown in table 4 for ages 60 and older are likely

to understate the true incidence rate—beginning at age 62, a

disabled worker may elect to forgo disability benefits, opting

instead to receive reduced old-age benefits. Many factors can

influence this decision including: the disability waiting period

(old-age benefits are payable immediately); the potential for

worker’s compensation offset; differences between disability

and old-age maximum family benefits payable; and the

possibility for denial of disability benefits.

Female age-specific disability incidence is usually lower, and

tends to fluctuate more than males. Trends that might influence

female incidence include: a varying degree of labor force

participation and the effect on insured status; and greater

potential for part-time work.

Many of the same factors that affect the number of claims filed

and claims allowed, also affect incidence rates. In general, the

decline in incidence between 1975-1982 is attributable, in part,

to a stricter program. Following a very low-growth period in

incidence from 1983-1989, the program experienced a surge in

claims beginning in 1990, and incidence rates rose

significantly through 1995. Most recently, the prevailing

economic and political environment has been characterized by

robust economic expansion, low unemployment, and

legislative restrictions on certain impairments. In addition,

advancements in medical treatment; public need for employersponsored healthcare protection; and pursuit of financial goals

for retirement may have provided incentive to remain in the

labor force, if possible. These factors have contributed to the

decline in applications and awards over the last several years.

Table 5 presents historical termination data for disabled

workers. Termination experience is discussed in detail in the

next section.

Table 6 shows the number of disabled workers in currentpayment status, at the end of calendar years 1975-1998. The

current-payment population is derived from the in-force

population (not shown). The number in-force at the end of the

year is derived from the number of individuals on the rolls at

the beginning of the year, augmented by the number of new

beneficiaries awarded during the year, and reduced by the

number of beneficiaries terminated during the year. The

number in-force is then reduced by the number of entitled

individuals whose benefits are suspended, resulting in the

current-payment population. DI benefits may be suspended for

a variety of reasons including: refusal of vocational

rehabilitation services; engagement of substantial gainful work

following completion of a trial work period; imprisonment;

worker’s compensation offset; or pending determination of an

appeal of continuing disability. Since 1983, the currentpayment population has grown at an average annual rate of

roughly 4.1 percent, as growth in awards has steadily outpaced

growth in terminations. The following table summarizes the

progression of the DI rolls.

Growth in the DI disabled worker rolls

(Grouped by selected calendar periods 1)

Calendar

period

Disability insured Awards Terminations Current-payment

Number

beginning

of period

Number

end of

period

Annual

growth

rate 2 Number

Annual

growth

rate 3 Number

Annual

growth

rate 3

Number

beginning

of period

Number

end of

period

Annual

growth

rate2

1976-1978 85,305,000 93,701,906 3.2% 1,611,143 — 1,216,903 — 2,487,630 2,878,152 5.0%

1979-1983 93,701,906 105,380,898 2.4 2,006,327 4.5% 2,315,455 13.7% 2,878,152 2,564,071 -2.3

1984-1989 105,380,898 118,061,703 1.9 2,517,254 3.9 2,169,479 -1.0 2,564,071 2,890,569 2.0

1990-1998 118,061,703 133,831,469 1.4 5,390,228 8.8 3,537,039 5.6 2,890,569 4,690,942 5.5

1 Grouped by periods which exhibit a somewhat consistent year-over-year growth in the number in current-payment status. 2 Average annual growth rate from the beginning of the period to the end of the period. 3 Total growth in number over the previous period, expressed as an average annual percent.
7

IV. EXPERIENCE OF DISABILITY BENEFIT TERMINATION 

A. Background

The reasons for termination of DI benefits for disabled workers

can be grouped into four main categories:

• Death; 

• Recovery—beneficiary no longer meets the standards used

to define disability (includes medical recovery or return to

work);

• Conversion—disability benefit is converted to an old-age

benefit upon attainment of the normal retirement age

(currently 65); and

• All other reasons7.

Generally, the final month of entitlement to disability benefits

for a worker is the earliest of the following:

• The month before the month in which the worker dies;

• The month before the month in which the worker attains

normal retirement age; or 

• The second month after the month in which the

beneficiary recovers8. 

The law contains several provisions for individuals who wish

to return to work, but continue to have a disabling impairment:

• Trial work period; 

• Extended period of eligibility; 

• Extension of Medicare coverage; and

• Waiver of the waiting period.

The trial work period (TWP) is a 9-month period—not

necessarily consecutive—during which an entitled beneficiary

may work without affecting the right to benefits. Earnings

during the 9 months are not counted toward SGA, and benefits

will continue as long as the beneficiary has not medically

recovered.

Individuals who continue to have a disabling impairment

following the 9-month TWP, receive an extended period of

eligibility (EPE). Earnings during the EPE are counted toward

SGA, and monthly benefits will not be paid when such

earnings exceed the SGA limit. If earnings fall below the SGA

limit anytime during the EPE, benefits are automatically

reinstated. Effective January 1, 1988, the law was amended to

lengthen the EPE from 15 months to 36 months for individuals

entitled to benefits in January 1988 or later.

After 24 months of disability entitlement, a beneficiary

becomes eligible for Medicare coverage (regardless of age).

Coverage will continue as long as the individual remains

entitled. In the case of an individual engaging in SGA,

coverage will extend throughout the TWP and the EPE.

Special provisions are extended to individuals experiencing

multiple periods of disability. Individuals who become reentitled to benefits within 5 years of the end of a previous

period of disability are not required to satisfy the 5-month

waiting period. In addition, the 24-month waiting period for

Medicare coverage need not be consecutive months and time

may accrue over multiple periods of disability.

Beginning at age 62, a disabled worker may elect to receive

old-age benefits in lieu of disability benefits. Conversion to

old-age benefits—payable under the Old-Age and Survivors

Insurance (OASI) program—occurs automatically upon

attainment of normal retirement age. Roughly 85 percent of

conversions take place at this age. The personal decision to

convert prior to age 65 may be influenced by many factors.

One of the most common reasons is the existence of benefits

payable outside the DI program. For example, worker’s

compensation benefits may partially or totally offset a DI

disability benefit, but would not affect an OASI benefit.

Another common economic factor is the difference in

maximum family benefits payable under the DI program,

which may be lower than the maximum payable under the

OASI program. Personal factors may also influence the

decision to convert, including the beneficiary’s own health

assessment and outlook of life expectancy. In any event, it is

unclear whether the individuals who switch to the OASI rolls

are any more or any less likely to die or recover in the short

term than those who remain on the DI rolls. Since this study

observes only the activity of the DI rolls, it is not clear whether

the decrement rates presented in the tables that follow are in

any way biased for attained ages 62-64. The reader is referred

to the appendix for details.

Disability recovery may occur when the beneficiary either

notifies SSA of an improved disabling condition, demonstrates

the ability to engage in SGA, or is judged to no longer meet the

definition of disability. The DDS or the central office will

conduct a continuing disability review (CDR) from time to

time based on warranting situations such as:

• Maturing of a scheduled CDR diary date;

• Posting of substantial earnings; or

• Voluntary or vocational rehabilitation reports of an

improved disabling condition.

It is worth noting that certain “outside” variables can

significantly influence the rate of recovery. Current disability

7 Reasons for termination in this category include: beneficiary switches to

old-age benefits prior to normal retirement age; withdrawal of

application; or erroneous entitlement.

8 Benefits may continue if the individual is currently enrolled in a

vocational rehabilitation program, or has entered an extended period of

eligibility.
8

caseloads, backlogs, budget restrictions, and legislation, all

affect the level of CDR activity and, consequently, the rate of

recovery. To a lesser extent, mortality rates are also affected by

exogenous variables. For example, the elimination of drug and

alcohol related impairments, and an increase in allowance

based on vocational factors or mental impairments may lead to

an improvement in the overall mortality profile of the disability

rolls.

B. History

Many variables can affect the rate at which beneficiaries are

terminated from the DI rolls, including:

• The nature of disabling conditions; 

• Changes in regulations that affect the composition of the

DI rolls; 

• Vocational rehabilitation support; 

• CDR activity; 

• Court decisions; and

• The level of legal representation and appeal.

The Social Security Amendments of 1965 (Public Law 89-97)

modified the definition of disability by replacing the

requirement of permanent disability with the expectation that

the disability last at least 12 months. This led to the entitlement

of less seriously impaired claimants and lower mortality rates

among the disabled. The 1967 amendments eased the insured

status requirements for claimants under age 31. A growing

portion of younger and relatively healthier beneficiaries further

contributed to the decline in the mortality rates of the DI rolls.

As mortality rates fell in the early years of the program, the

gross recovery rate generally increased. With the introduction

of government-funded rehabilitation programs, elimination of

the “permanently disabled” condition, and the extension of

benefits to younger claimants, the recovery rate among

beneficiaries rose from 19 per thousand in 1965 to 32 per

thousand by 1967. Thereafter, the gross recovery rate

decreased rapidly through 1975. This was due in large part to

changes in the administration of the program. With the

introduction of the Black Lung and SSI programs in the early

1970s, workload pressures resulted in the suspension or

curtailment of some administrative review procedures. For

example, by 1972 the central office reviewed only 10 percent

of DDS continuances in which medical recovery was expected.

Previously, 100 percent of such continuances were reviewed.

By 1976, the gross recovery rate began to increase again as

central office review of continuances returned to 100 percent.

Throughout the 1970s, the DI program experienced substantial

increases in cost, mainly the result of significant growth in

incidence. Under then-current policy, reviews were performed

only in those cases where the beneficiary’s condition was

expected to improve, or voluntary reports or posted earnings

indicated work activity. However, by the late 1970s measures

to curtail inaccurate award determinations and improve the

review process were intensified. One significant provision of

the 1980 amendments required that beneficiaries with nonpermanent impairments be reviewed every 3 years, and

permanently disabled beneficiaries be reviewed at intervals

determined by the Commissioner. Using that legislative

mandate, the Reagan Administration initiated a major review

of the disability rolls that resulted in a large number of cases in

which it was determined that recovery had occurred.

Ensuing public disapproval of the newly implemented review

process led to a moratorium on reviews of all cases of mental

impairment disability.9

 Revision of mental impairment criteria

and the review process followed and more than half of those

removed from the rolls were reinstated upon appeal. The result

was a sharp drop in recoveries as well as a sharp increase in

new awards throughout the remainder of the 1980s.

C. Recent Experience

In the latter part of the 1980s, the agency experienced

reductions in both work force and administrative funding. By

the early 1990s, there existed a shortage of personnel needed to

handle a significant increase in claims, as well as to meet

review schedules. In an effort to free up resources to process

initial claims, the agency sharply curbed the review of existing

beneficiaries. Beginning in 1994, growth in initial claims

began to level-off and once again attention shifted to

performing mandated reviews. Congress enacted the Contract

With America Advancement Act of 1996 (Public Law 104-121),

which included a provision authorizing the appropriation of

special funds to be used exclusively to conduct additional

CDRs. As a result, an expanded plan was developed to work

down the existing CDR backlog by 2002, and stay up-to-date

with CDRs maturing thereafter.

Table 5 shows the historical number of terminations and gross

termination rates for disabled workers, by reason for

decrement. Most terminations occur as a result of death or

conversion. Recovery is the most volatile termination category,

being subject to many outside variables as previously

mentioned. The spike in recoveries in 1997 is a result of the

provision of Public Law 104-121 to eliminate drug addicts and

alcoholics from the DI rolls. “Other” is a relatively small

category mostly comprised of individuals who switch to oldage benefits prior to normal retirement age. Termination

categories are depicted in figure 3.

9 The moratorium applied to all cases on which an administrative or

judicial appeal was pending on or after June 7, 1983. All persons

claiming benefits based on mental impairment disability who received

an unfavorable decision after March 1, 1981 were permitted to reapply

within time constraints, as mandated in 1984 by Public Law 98-460.
9

As mentioned, death and conversion account for most of the

terminations that occur, and the general trend in termination

rates has been a declining one. Figure 4 shows the total

termination rates for disabled workers. Two significant trends

in the DI rolls have developed over the years which help

explain the decline: falling death rates and a reduction in the

average age of beneficiaries.

Over the period 1975-1995, the average age among disabled

workers steadily declined from 53.5 years to 49.7 years for

males, and from 54.4 years to 49.9 years for females. During

the same time period, the fraction of 30-44 year olds on the

male DI rolls roughly doubled from 14 percent to 27 percent;

among females, the fraction more than doubled from roughly

11 percent to 26 percent. The increase in younger and

physically healthier beneficiaries is largely attributable to the

increasing proportion of new awards due to mental

impairments. The result is an increasingly smaller percentage

of beneficiaries converting to old-age benefits each year, as

well as fewer deaths.

Although medical advancement has significantly contributed to

longer life expectancies among the general population, the

impact on a disabled life is less clear. Fairly consistent death

rates within the DI rolls is shown for the period 1977-1993, as

gross rates range between 49-54 deaths per thousand disabled

males, and 34-40 deaths per thousand disabled females. A

noticeable decline in the death rate after 1995, especially

among males, is due in part to the rapidly diminishing impact

of HIV-related impairments and the elimination of drugaddiction and alcoholism as material causes for disability.

Other significant trends leading to mortality improvement

within the DI rolls include: continued increases in mental

impairments—especially among females; and a rising number

of awards to older workers, whose determinations are based on

a set of vocational factors rather than a single severe disability.

D. Termination Study by Select Age and Duration

Tables 7A, 8A, and 9A illustrate select-and-ultimate death,

recovery, and total termination probabilities, respectively, for

male DI disabled workers. Data is tabulated by entitlement age

and duration, based on actual termination experience of the DI

rolls from January 1, 1991 through December 31, 1995. Tables

7B, 8B, and 9B illustrate similar probabilities for females. The

underlying methodology used in table construction and

graduation is detailed in the appendix.

Mortality among disabled workers generally exhibits a rapid

increase with select (entitlement) age. For any given select age,

the highest probability of death generally occurs within the

earlier durations. Death probabilities tend to level off sometime

around the fifth or sixth duration for males, and the third or

fourth duration for females. For older select ages, mortality is

lowest at these durations before trending upward in the later

durations as general demographic factors such as age of the

beneficiary begin to have an increasing effect. Greater

consideration given to vocational factors, especially after age

50, may cause a slight decline in mortality. In general, female

disability mortality is lower than that for males as is the case in

the general population. Several unique circumstances that were

encountered in the data that may affect mortality estimates

(such as death within the waiting period and the option to

switch to old-age benefits prior to normal retirement age) are

discussed in the appendix.

For a given duration, recovery among disabled workers is

noticeably skewed, in that the highest probabilities are

exhibited among the younger select ages. For a given select

age, recoveries show a noticeable bimodal distribution; both

male and female recoveries tend to peak at the first duration

before declining in the second and third durations, then peak

again in the fourth and fifth durations, declining thereafter. The

fact that CDR schedules are based on the likelihood of medical

Figure 3.—DI Disabled Worker Terminations 

by Reason, Calendar Years 1975-1998

(In thousands)

0

100

200

300

400

500

600

1975 1980 1985 1990 1995

Calendar year

Death

Recovery

Conversion

Other

Figure 4.—DI Disabled Worker Termination Rates 

by Reason, Calendar Years 1975-1998

(Per thousand exposed)

0

20

40

60

80

100

120

140

160

180

200

1975 1980 1985 1990 1995

Calendar year

Death

Conversion

Recovery

Other
10

improvement helps to explain this pattern. When improvement

is expected, reviews are scheduled anywhere from 6 to 24

months following the most recent disability decision—this

accounts for the first peak in recoveries. For cases in which

medical improvement is possible but less likely to occur within

the first 2 years, reviews are scheduled every 36 months—this

accounts for the second peak. If medical improvement is not

expected, reviews are scheduled every 5 to 7 years.

The select-and-ultimate life tables reflect either the probability

of termination due to death only (tables 10A-10C), or death

and recovery combined (tables 11A-11C). For attained ages

beyond the select-and-ultimate period, probabilities are

extended via blending to the general population mortality for

1995. The reader is referred to the appendix for details.

Tables 12A-12C show the average future lifetime of a DI

disabled worker as of attained age. As with the general

population, disabled females display a higher future lifetime

than males. It is worth noting that within the same gender, the

ratio of disability mortality to general population mortality was

found to be greater among females than among males. Also, a

DI beneficiary exhibits a shorter life expectancy in the first

year of entitlement than in the second or third, and often fourth

or fifth year of entitlement. This is due to a high mortality rate

within the first several years of disability. The longer the

individual remains on the rolls, the greater the chance of

disability continuation or a non-death termination.

Tables 13A-13B illustrate the average amount of time spent on

the DI rolls as of the beneficiary’s attained age. The expected

time on the rolls for females is consistently higher than males,

due in large part to lower female disability mortality. The times

shown are based on the duration of disability entitlement prior

to termination due to death, recovery, or attainment of age 65.

Tables 14A-14C illustrate the average amount of time spent on

the combined OASI and DI rolls as of the beneficiary’s attained

age. The times shown are based on the duration of disability

entitlement prior to termination due to death, recovery, or

attainment of age 65, combined with the duration of old-age

entitlement prior to death after attainment of age 65.

Tables 15A-18D show the present value of a stream of

payments to a disabled worker by select age at entitlement for

various interest rates. Annual or monthly payments of $1

payable at the beginning of the period (annuity-due) or end of

the period (annuity-immediate) are made starting at

entitlement. Receipt of payment is contingent upon survival to

the next payment date. Note that “survival” refers to the

probability of avoiding decrement, which may include not

recovering as well as not dying. Payments are discounted to the

beginning of entitlement using the stated annual effective

interest rate and the various survivorship assumptions exhibited

in the life tables. Tables 15A-15D and 16A-16D exhibit the

average value of a life annuity payable until death of the

disabled individual, for males and females respectively. These

values are based on the survivorship experience shown in

tables 10A-10C, which reflect the probability of termination

due to death only. Tables 17A-17D and 18A-18D exhibit the

average value of a life annuity to age 65 payable until death,

recovery, or attainment of age 65 of the disabled individual, for

males and females respectively. These values are based on the

survivorship experience shown in tables 11A-11C, which

reflect the probability of termination due to death and recovery

combined.
11Source: The Annual Statistical Supplement to the Social Security Bulletin for years 1984-1998.

Table 1.—DI Disabled Worker Benefits Awarded—Percentage Distribution

(Grouped by diagnostic category, gender, and calendar years awarded 1982-1997)

Impairment listing category1

1 Ranked by average percentage over the 5-year period 1993-1997.

1997 1996 1995 1994 1993 1992 1991 1990 1989 1988 1987 1986 1985 1984 1983 1982

Male

Mental disorders2

2 Includes listings for schizophrenia, paranoia, mental retardation, personality disorder.

18.8% 19.5% 21.7% 23.0% 24.7% 24.4% 22.1% 21.2% 19.6% 20.0% 18.9% 28.6% 17.8% 17.6% 15.8% 10.2%

Musculoskeletal3

3 Includes listings for arthritis, back disorder, amputation, bone disorder.

22.2 21.6 20.7 12.6 13.9 14.2 16.2 14.8 15.6 15.3 14.1 12.4 12.1 12.0 12.6 15.1

Circulatory4

4 Includes listings for heart disease, hypertension, aneurysm.

16.4 15.6 15.6 16.4 16.5 16.6 17.1 18.3 19.1 20.5 21.1 20.4 22.1 22.7 25.0 28.2

Neoplasms5

5 Includes listings for malignant growths.

10.1 9.6 9.3 13.1 11.7 11.2 12.0 13.0 13.2 12.1 12.3 11.6 13.5 15.2 15.5 15.8

Nervous system6

6 Includes listings for epilepsy, Parkinson's disease, cerebral palsy, multiple sclerosis.

7.1 6.7 6.5 7.1 6.5 6.7 7.0 7.3 7.4 7.8 7.8 6.8 7.2 7.4 7.9 8.3

Infectious/parasitic7

7 Includes listings for impairments specifically related to HIV beginning in 1990.

3.7 5.4 6.3 8.2 8.3 8.7 7.4 6.5 1.1 0.6 1.3 0.6 0.8 0.8 2.1 0.8

Injuries 5.4 5.3 5.0 4.2 4.3 4.5 5.2 5.5 5.8 5.9 5.9 4.6 5.2 5.3 5.8 6.2

Respiratory8

8 Includes listings for asthma, tuberculosis, cystic fibrosis.

4.4 4.3 4.3 4.6 4.1 4.1 4.3 4.7 5.0 5.7 5.4 5.8 5.4 5.4 6.0 7.1

Nutritional/metabolic9

9 Includes listings for diabetes, disorders of the thyroid, pituitary, and adrenal glands, obesity.

4.4 4.1 3.7 3.4 3.3 3.1 2.7 2.5 2.5 2.7 5.0 4.9 4.0 3.5 4.1 3.8

Other10

10 Includes listings for congenital anomalies, and blood, digestive, genitourinary, and skin disorders; data for 1984-85 reflect a significant number of cases for which diagnosis was not available.

7.5 7.9 6.9 7.4 6.7 6.5 6.0 6.2 10.7 9.4 8.2 4.3 11.9 10.1 5.2 4.5

Total 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0

Female

Mental disorders 2 23.6 23.3 24.6 27.6 28.5 28.1 26.0 24.8 23.0 22.7 20.8 32.0 19.0 18.6 17.3 11.5

Musculoskeletal 3 24.3 24.6 23.7 14.6 16.4 16.9 19.1 17.9 19.0 19.4 17.7 14.6 15.0 14.6 15.2 19.5

Neoplasms 5 11.2 10.9 11.0 15.8 14.2 13.7 14.5 16.1 15.9 15.2 15.2 15.1 16.9 19.4 19.9 20.1

Circulatory4 8.8 9.0 9.0 9.5 9.6 9.8 10.3 11.0 11.7 12.3 13.4 11.8 13.6 13.8 15.1 17.1

Nervous system6 8.5 8.3 8.2 8.5 8.3 8.5 9.0 9.4 9.5 9.6 9.7 8.3 8.5 9.0 9.5 10.6

Nutritional/metabolic9 7.5 7.2 7.1 7.5 7.4 7.4 5.5 5.2 4.9 5.1 5.2 5.4 5.5 5.1 6.4 5.9

Respiratory8 4.6 4.6 4.6 5.3 4.6 4.5 4.6 4.9 5.0 5.5 5.7 5.2 5.2 5.0 5.2 5.5

Injuries 3.2 3.3 3.2 2.5 2.6 2.9 3.3 3.4 3.6 3.6 3.3 2.6 2.7 3.0 3.3 4.0

Infectious/parasitic7 1.2 1.5 1.6 1.8 1.8 1.9 1.5 1.4 0.6 0.8 0.8 0.8 0.8 1.0 2.2 0.8

Other10 7.1 7.3 7.0 6.9 6.6 6.3 6.2 5.9 6.8 5.8 8.2 4.2 12.8 10.5 5.9 5.0

Total 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0

Total

Mental disorders 2 21.0 21.2 23.0 24.8 26.1 25.8 23.5 22.5 20.8 20.9 19.5 29.7 18.2 17.9 16.3 10.6

Musculoskeletal 3 23.1 22.9 22.0 13.4 14.8 15.2 17.2 15.9 16.8 16.8 15.3 13.1 13.0 12.8 13.4 16.4

Circulatory4 13.1 12.9 12.9 13.7 14.0 14.1 14.6 15.7 16.5 17.6 18.5 17.6 19.3 19.8 21.9 24.9

Neoplasms 5 10.6 10.1 10.0 14.1 12.6 12.1 12.9 14.1 14.2 13.2 13.3 12.8 14.6 16.5 16.8 17.1

Nervous system6 7.8 7.4 7.2 7.6 7.2 7.4 7.7 8.1 8.2 8.4 8.5 7.3 7.6 7.9 8.4 9.0

Nutritional/metabolic9 5.8 5.4 5.2 5.0 4.9 4.7 3.7 3.5 3.4 3.5 5.1 5.1 4.5 4.0 4.8 4.4

Respiratory8 4.5 4.5 4.5 4.9 4.3 4.3 4.4 4.7 5.0 5.6 5.5 5.6 5.4 5.3 5.8 6.6

Infectious/parasitic7 2.6 3.7 4.3 5.7 5.9 6.2 5.3 4.7 0.9 0.7 1.1 0.7 0.8 0.9 2.2 0.8

Injuries 4.4 4.4 4.3 3.6 3.7 3.9 4.5 4.8 5.1 5.1 5.0 4.0 4.4 4.5 5.0 5.6

Other10 7.1 7.5 6.6 7.2 6.5 6.3 6.2 6.0 9.1 8.2 8.2 4.1 12.2 10.4 5.4 4.6

Total 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
12 Table 2.—DI Disabled Worker Disposition of Applications for Disability Benefits

(Grouped by level of review, program involvement, and calendar years of filing1 1988-1998)

1 Data for claims filed in 1988-1997 reflect results as of June 1998. The number of total claims filed for 1996 and 1997 are subject to change. Data for claims filed in 1998 are preliminary estimates as of February

1999. The ultimate number of allowances and denials are subject to change until all initial decisions have been completed and all appeals are final.

Year 

of

filing

Total

claims

filed

Initial decisions Reconsiderations

Pending

Allowances

Denials

Pending

Allowances

Denials Appeals beyond reconsideration2

2 Includes cases appealed to the Office of Hearings and Appeals, as well as beyond OHA to the Federal courts.

Total

No

appeal

Appeals to

reconsideration

Total

No

appeal

Appeals to beyond

reconsideration Allowances

Number Percent3

3 Number of allowances as a percentage of decisions (allowances plus denials) at this level.

Number Percent4

4 Number of appeals to the next level as a percentage of denials at this level. For years where decisions are still pending, the preliminary percentage shown could change substantially as all claims are processed.

Number Percent3 Number5

5 Number of persons appealing beyond the reconsideration level.

Percent4 Pending6

6 Includes cases remanded to OHA from the Federal courts.

Number Percent7

7 Number of allowances as a percentage of decisions at this level. For years where decisions are still pending, the preliminary percentage shown will ultimately be lower as all cases are processed. This is true

since allowances are generally processed more quickly than denials

Denials8

8 Includes denied claims where the final administrative action was a dismissal of an appeal request (for example, the appeal was not filed timely or the applicant failed to appear at the scheduled hearing).

Title II only claims

1988 421,161 — 165,662 39.3 255,499 118,140 137,359 53.8 — 20,992 15.3 116,367 34,336 82,031 70.5 — 64,649 78.8 17,3821989 432,000 — 178,643 41.4 253,357 115,472 137,885 54.4 — 21,458 15.6 116,427 31,913 84,514 72.6 — 67,970 80.4 16,5441990 464,918 — 198,374 42.7 266,544 113,010 153,534 57.6 — 24,741 16.1 128,793 32,563 96,230 74.7 — 77,754 80.8 18,4761991 528,856 — 239,221 45.2 289,635 115,260 174,375 60.2 — 26,623 15.3 147,752 31,713 116,039 78.5 — 95,649 82.4 20,3901992 558,739 — 247,399 44.3 311,340 120,748 190,592 61.2 — 25,278 13.3 165,314 33,693 131,621 79.6 663 105,245 80.4 25,7131993 571,454 — 240,038 42.0 331,416 124,820 206,596 62.3 — 27,224 13.2 179,372 35,410 143,962 80.3 2,416 112,039 79.2 29,5071994 591,375 — 232,303 39.3 359,072 133,092 225,980 62.9 — 31,395 13.9 194,585 38,158 156,427 80.4 5,934 117,633 78.2 32,8601995 569,886 — 222,745 39.1 347,141 128,268 218,873 63.1 — 31,494 14.4 187,379 36,580 150,799 80.5 11,455 109,696 78.7 29,6481996 583,652 — 233,135 39.9 350,517 131,793 218,724 62.4 — 32,232 14.7 186,492 36,106 150,386 80.6 25,283 100,053 80.0 25,0501997 539,027 2,468 221,722 41.3 314,837 122,772 192,065 61.0 7,671 26,885 14.6 157,509 30,856 126,653 80.4 57,345 57,384 82.8 11,924

1998 540,000 64,900 208,300 43.8 266,800 111,100 155,700 58.4 29,700 21,500 17.1 104,500 39,520 64,980 62.2 50,420 11,800 81.0 2,760

Title II claims involving concurrent title XVI claims

1988 400,425 — 108,113 27.0 292,312 151,852 140,460 48.1 — 19,098 13.6 121,362 43,241 78,121 64.4 — 52,885 67.7 25,2361989 407,553 — 117,297 28.8 290,256 149,625 140,631 48.5 — 20,310 14.4 120,321 41,021 79,300 65.9 — 55,511 70.0 23,7891990 470,254 — 142,405 30.3 327,849 159,675 168,174 51.3 — 25,411 15.1 142,763 45,255 97,508 68.3 — 69,426 71.2 28,0821991 568,837 — 180,398 31.7 388,439 183,945 204,494 52.6 — 29,702 14.5 174,792 51,242 123,550 70.7 — 87,064 70.5 36,4861992 620,378 — 186,745 30.1 433,633 204,429 229,204 52.9 — 28,373 12.4 200,831 56,594 144,237 71.8 1,165 95,846 67.0 47,2261993 672,722 — 179,164 26.6 493,558 231,014 262,544 53.2 — 30,816 11.7 231,728 65,108 166,620 71.9 4,239 104,452 64.3 57,9291994 661,444 — 156,356 23.6 505,088 241,370 263,718 52.2 — 31,144 11.8 232,574 65,431 167,143 71.9 10,097 98,982 63.0 58,0641995 607,797 — 142,626 23.5 465,171 226,086 239,085 51.4 — 28,830 12.1 210,255 59,228 151,027 71.8 15,567 84,292 62.2 51,1681996 600,156 — 145,117 24.2 455,039 221,038 234,001 51.4 — 30,745 13.1 203,256 59,261 143,995 70.8 30,879 75,128 66.4 37,9881997 501,038 2,234 126,445 25.3 372,359 186,336 186,023 50.0 7,956 20,782 11.7 157,285 41,865 115,420 73.4 59,871 39,242 70.6 16,3071998 486,700 61,100 122,700 28.8 302,900 169,700 133,200 44.0 25,800 14,300 13.3 93,100 44,480 48,620 52.2 39,360 6,730 72.7 2,530

Total claims

1988 821,586 — 273,775 33.3 547,811 269,992 277,819 50.7 — 40,090 14.4 237,729 77,577 160,152 67.4 — 117,534 73.4 42,618

1989 839,553 — 295,940 35.2 543,613 265,097 278,516 51.2 — 41,768 15.0 236,748 72,934 163,814 69.2 — 123,481 75.4 40,3331990 935,172 — 340,779 36.4 594,393 272,685 321,708 54.1 — 50,152 15.6 271,556 77,818 193,738 71.3 — 147,180 76.0 46,5581991 1,097,693 — 419,619 38.2 678,074 299,205 378,869 55.9 — 56,325 14.9 322,544 82,955 239,589 74.3 — 182,713 76.3 56,8761992 1,179,117 — 434,144 36.8 744,973 325,177 419,796 56.4 — 53,651 12.8 366,145 90,287 275,858 75.3 1,828 201,091 73.4 72,9391993 1,244,176 — 419,202 33.7 824,974 355,834 469,140 56.9 — 58,040 12.4 411,100 100,518 310,582 75.5 6,655 216,491 71.2 87,4361994 1,252,819 — 388,659 31.0 864,160 374,462 489,698 56.7 — 62,539 12.8 427,159 103,589 323,570 75.7 16,031 216,615 70.4 90,9241995 1,177,683 — 365,371 31.0 812,312 354,354 457,958 56.4 — 60,324 13.2 397,634 95,808 301,826 75.9 27,022 193,988 70.6 80,8161996 1,183,808 — 378,252 32.0 805,556 352,831 452,725 56.2 — 62,977 13.9 389,748 95,367 294,381 75.5 56,162 175,181 73.5 63,0381997 1,040,065 4,702 348,167 33.6 687,196 309,108 378,088 55.0 15,627 47,667 13.2 314,794 72,721 242,073 76.9 117,216 96,626 77.4 28,2311998 1,026,700 126,000 331,000 36.7 569,700 280,800 288,900 50.7 55,500 35,800 15.3 197,600 84,000 113,600 57.5 89,780 18,530 77.8 5,290
13

Source: SSA administrative records.

Table 3.—DI Disabled Worker Awards

(Grouped by age, gender, and calendar years awarded 1975-1998)

Year 15-19 20-24 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64

65 or

older Total

Male

1975 1,084 12,915 17,200 16,648 18,469 25,424 38,882 64,000 94,109 109,613 10,187 408,531

1976 876 11,435 15,688 15,781 17,353 23,553 35,598 58,876 88,670 103,628 10,432 381,890

1977 908 12,206 16,339 17,327 19,173 24,174 36,791 60,667 92,177 105,576 9,635 394,973

1978 849 8,374 12,319 15,170 18,858 24,627 34,761 55,351 80,915 83,359 6,807 341,390

1979 901 7,420 10,036 12,403 15,983 20,644 30,075 49,139 76,148 75,936 5,952 304,637

1980 885 7,664 10,221 12,810 15,754 20,104 28,141 45,806 73,074 71,875 4,855 291,189

1981 806 7,761 10,989 10,626 13,265 14,868 21,540 41,467 65,397 73,862 4,071 264,652

1982 742 6,922 10,384 10,990 14,088 18,172 21,395 35,443 59,771 53,123 2,552 233,582

1983 643 7,635 13,737 17,295 21,026 25,631 33,114 45,020 67,737 61,735 2,921 296,494

1984 460 7,903 15,369 17,462 19,379 21,868 26,991 40,805 63,737 62,957 3,339 280,270

1985 437 7,870 15,459 18,247 20,696 22,593 27,375 40,033 61,163 63,639 3,578 281,090

1986 481 9,347 18,653 21,676 23,027 22,665 25,111 36,331 59,959 63,621 3,531 284,402

1987 556 8,439 16,839 20,829 21,854 22,896 25,751 36,129 58,329 63,948 3,390 278,960

1988 553 7,768 15,335 20,152 22,220 23,238 26,032 36,356 56,075 62,296 3,217 273,242

1989 591 7,539 15,550 21,011 23,792 25,215 27,510 37,108 55,969 61,054 3,427 278,766

1990 733 8,392 16,882 23,437 27,056 29,603 30,864 39,685 59,365 64,255 3,344 303,616

1991 857 9,588 19,095 27,436 32,203 35,344 36,122 45,289 65,366 68,354 3,785 343,439

1992 857 12,045 23,156 33,911 40,369 42,147 43,984 53,276 73,522 75,197 4,223 402,687

1993 817 10,784 21,379 33,526 39,831 43,093 44,953 54,286 71,538 70,299 3,912 394,418

1994 655 9,218 18,416 30,679 38,478 41,098 44,692 54,205 71,254 68,905 3,842 381,442

1995 633 8,054 16,291 27,743 36,740 41,264 46,018 54,802 73,295 69,937 3,749 378,526

1996 642 7,200 14,402 23,957 33,524 38,832 44,427 54,546 69,722 64,870 3,349 355,471

1997 605 6,890 12,164 19,115 27,867 34,676 39,802 52,742 68,569 61,255 3,143 326,828

1998 628 7,110 11,876 17,965 27,304 35,774 41,745 55,569 70,654 61,333 3,074 333,032

Female

1975 306 4,338 6,465 6,395 6,963 11,189 18,495 32,392 46,902 46,232 3,841 183,518

1976 270 4,009 6,055 6,046 6,908 10,214 16,651 29,291 43,010 43,121 3,995 169,570

1977 262 4,200 6,254 6,769 7,384 10,602 16,704 29,930 44,145 43,857 3,794 173,901

1978 253 3,257 5,220 6,086 7,549 10,469 16,368 26,172 37,999 33,468 2,578 149,419

1979 312 2,846 4,651 5,875 7,039 9,264 14,263 23,492 35,649 30,187 2,304 135,882

1980 394 2,902 4,479 5,816 6,973 9,268 13,617 21,869 33,452 28,468 1,849 129,087

1981 270 3,033 4,699 5,224 5,786 7,230 9,888 19,843 30,393 28,486 1,512 116,364

1982 303 2,709 4,416 4,520 6,837 8,660 11,822 17,156 25,357 19,696 997 102,473

1983 244 3,101 6,242 8,225 10,446 12,978 17,614 21,764 27,540 22,744 1,069 131,967

1984 161 3,272 6,176 7,584 8,996 10,555 13,446 20,736 31,531 25,788 1,455 129,700

1985 158 3,275 6,823 8,845 10,003 11,498 14,375 21,064 29,594 27,839 1,539 135,013

1986 201 3,834 8,095 10,046 11,155 12,267 14,505 20,610 29,768 28,362 1,632 140,475

1987 260 3,612 7,768 9,753 11,185 12,680 15,125 20,928 29,980 28,469 1,575 141,335

1988 257 3,512 7,226 9,720 11,320 13,255 15,897 21,306 30,050 28,063 1,483 142,089

1989 275 3,569 7,428 10,333 12,405 14,938 17,855 23,060 31,585 28,945 1,519 151,912

1990 359 4,082 8,312 11,639 14,313 17,707 20,095 25,412 33,903 31,001 1,664 168,487

1991 402 4,945 9,447 14,029 17,661 21,518 24,118 30,257 38,999 34,125 1,854 197,355

1992 513 6,596 12,270 17,546 22,337 26,688 30,044 36,909 44,531 39,839 2,129 239,402

1993 433 6,104 11,985 17,844 23,464 27,377 32,115 38,270 45,336 37,936 2,106 242,970

1994 395 5,343 10,991 17,808 23,778 28,594 33,738 41,068 47,772 38,992 1,952 250,431

1995 414 4,886 10,472 17,690 25,094 30,618 36,844 44,563 52,577 41,755 2,206 267,119

1996 381 4,449 9,802 16,688 25,087 31,620 38,310 47,032 53,027 40,317 2,070 268,783

1997 391 4,364 8,980 14,957 23,429 30,874 36,740 47,343 52,852 38,939 2,003 260,872

1998 366 4,816 9,315 14,930 24,175 32,453 39,440 50,954 56,550 40,434 1,917 275,350

Total

1975 1,390 17,253 23,665 23,043 25,432 36,613 57,377 96,392 141,011 155,845 14,028 592,049

1976 1,146 15,444 21,743 21,827 24,261 33,767 52,249 88,167 131,680 146,749 14,427 551,460

1977 1,170 16,406 22,593 24,096 26,557 34,776 53,495 90,597 136,322 149,433 13,429 568,874

1978 1,102 11,631 17,539 21,256 26,407 35,096 51,129 81,523 118,914 116,827 9,385 490,809

1979 1,213 10,266 14,687 18,278 23,022 29,908 44,338 72,631 111,797 106,123 8,256 440,519

1980 1,279 10,566 14,700 18,626 22,727 29,372 41,758 67,675 106,526 100,343 6,704 420,276

1981 1,076 10,794 15,688 15,850 19,051 22,098 31,428 61,310 95,790 102,348 5,583 381,016

1982 1,045 9,631 14,800 15,510 20,925 26,832 33,217 52,599 85,128 72,819 3,549 336,055

1983 887 10,736 19,979 25,520 31,472 38,609 50,728 66,784 95,277 84,479 3,990 428,461

1984 621 11,175 21,545 25,046 28,375 32,423 40,437 61,541 95,268 88,745 4,794 409,970

1985 595 11,145 22,282 27,092 30,699 34,091 41,750 61,097 90,757 91,478 5,117 416,103

1986 682 13,181 26,748 31,722 34,182 34,932 39,616 56,941 89,727 91,983 5,163 424,877

1987 816 12,051 24,607 30,582 33,039 35,576 40,876 57,057 88,309 92,417 4,965 420,295

1988 810 11,280 22,561 29,872 33,540 36,493 41,929 57,662 86,125 90,359 4,700 415,331

1989 866 11,108 22,978 31,344 36,197 40,153 45,365 60,168 87,554 89,999 4,946 430,678

1990 1,092 12,474 25,194 35,076 41,369 47,310 50,959 65,097 93,268 95,256 5,008 472,103

1991 1,259 14,533 28,542 41,465 49,864 56,862 60,240 75,546 104,365 102,479 5,639 540,794

1992 1,370 18,641 35,426 51,457 62,706 68,835 74,028 90,185 118,053 115,036 6,352 642,089

1993 1,250 16,888 33,364 51,370 63,295 70,470 77,068 92,556 116,874 108,235 6,018 637,388

1994 1,050 14,561 29,407 48,487 62,256 69,692 78,430 95,273 119,026 107,897 5,794 631,873

1995 1,047 12,940 26,763 45,433 61,834 71,882 82,862 99,365 125,872 111,692 5,955 645,645

1996 1,023 11,649 24,204 40,645 58,611 70,452 82,737 101,578 122,749 105,187 5,419 624,254

1997 996 11,254 21,144 34,072 51,296 65,550 76,542 100,085 121,421 100,194 5,146 587,700

1998 994 11,926 21,191 32,895 51,479 68,227 81,185 106,523 127,204 101,767 4,991 608,382
14

Source:

(1) Age-specific and gross rates computed as the ratio of annual awards, to exposure of the disability insured population not receiving benefits.

(2) Total adjusted rate by sex computed as the ratio of total age-adjusted awards, to total exposure of the disability insured population not receiving benefits as of calendar year 1998

(standard population).

(3) Total adjusted rate for male and female combined computed as the ratio of total age-sex-adjusted awards, to total combined exposure of the disability insured population not receiving benefits as of calendar year 1998 (standard population).

Table 4.—DI Disabled Worker Incidence Rates Per Thousand Exposed

(Grouped by age, gender, and calendar years awarded 1975-1998)

Year 15-19 20-24 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64

65 or

older

Total

Gross Adjusted

Male

1975 0.48 1.60 2.11 2.61 3.50 5.27 7.93 13.41 22.94 32.69 33.11 7.79 7.72

1976 0.40 1.41 1.89 2.36 3.22 4.87 7.36 12.47 21.39 30.83 33.71 7.22 7.18

1977 0.43 1.49 1.97 2.46 3.40 4.95 7.76 12.92 21.95 31.47 31.15 7.39 7.40

1978 0.35 0.99 1.45 2.07 3.19 4.97 7.46 11.88 19.12 24.81 22.00 6.23 6.48

1979 0.33 0.82 1.14 1.62 2.61 4.08 6.53 10.66 17.72 22.50 18.91 5.39 5.70

1980 0.32 0.82 1.12 1.60 2.51 3.90 6.13 9.99 17.06 21.42 15.18 5.04 5.42

1981 0.31 0.83 1.16 1.29 2.00 2.82 4.64 9.16 15.29 21.60 14.10 4.52 4.79

1982 0.33 0.76 1.08 1.32 2.01 3.26 4.55 7.97 13.76 15.03 8.57 3.94 4.24

1983 0.34 0.87 1.41 2.02 2.87 4.37 6.86 10.23 15.56 17.05 8.87 4.97 5.39

1984 0.28 0.94 1.57 1.99 2.53 3.61 5.49 9.33 14.92 16.92 10.24 4.67 4.96

1985 0.27 0.95 1.57 2.01 2.59 3.64 5.47 9.15 14.38 17.08 10.35 4.63 4.92

1986 0.29 1.15 1.89 2.32 2.81 3.46 4.92 8.23 14.39 17.14 9.83 4.62 4.88

1987 0.33 1.07 1.70 2.19 2.64 3.31 4.79 8.13 14.36 17.14 9.76 4.49 4.76

1988 0.31 1.01 1.56 2.10 2.62 3.23 4.61 8.02 14.01 16.81 9.33 4.35 4.63

1989 0.31 0.99 1.59 2.17 2.73 3.35 4.71 8.02 14.03 16.74 9.45 4.38 4.69

1990 0.40 1.08 1.75 2.40 3.01 3.75 5.15 8.39 14.83 17.59 9.96 4.70 5.03

1991 0.52 1.25 2.02 2.79 3.48 4.36 5.69 9.36 16.11 19.01 11.05 5.27 5.61

1992 0.58 1.62 2.52 3.42 4.26 5.13 6.52 10.42 17.96 21.26 12.08 6.14 6.47

1993 0.60 1.50 2.39 3.35 4.12 5.13 6.39 10.08 17.15 20.18 11.52 5.98 6.25

1994 0.48 1.33 2.11 3.07 3.93 4.74 6.07 9.72 16.74 19.95 11.47 5.74 5.96

1995 0.45 1.20 1.88 2.83 3.69 4.60 5.97 9.57 16.87 20.25 11.01 5.64 5.84

1996 0.43 1.09 1.67 2.51 3.35 4.22 5.62 8.99 15.71 18.70 10.06 5.25 5.39

1997 0.39 1.04 1.42 2.07 2.79 3.70 4.99 8.21 14.69 17.47 9.71 4.79 4.85

1998 0.40 1.06 1.41 1.99 2.74 3.76 5.11 8.33 14.45 17.24 9.46 4.84 4.84

Female

1975 0.22 0.77 1.26 2.17 3.11 4.91 7.07 11.63 18.86 23.29 20.05 6.19 6.21

1976 0.19 0.69 1.12 1.86 2.90 4.37 6.34 10.48 16.84 21.39 20.60 5.50 5.60

1977 0.18 0.70 1.11 1.86 2.84 4.37 6.33 10.63 16.83 21.34 19.58 5.42 5.60

1978 0.15 0.51 0.88 1.52 2.65 4.09 6.14 9.21 14.18 15.86 13.10 4.40 4.79

1979 0.16 0.40 0.73 1.32 2.27 3.40 5.23 8.16 12.89 13.95 11.41 3.73 4.18

1980 0.19 0.38 0.65 1.18 2.08 3.19 4.89 7.51 11.96 13.10 8.80 3.35 3.87

1981 0.14 0.40 0.65 0.99 1.56 2.32 3.43 6.75 10.77 12.55 8.54 2.90 3.29

1982 0.17 0.36 0.58 0.80 1.63 2.50 3.94 5.74 8.69 8.14 5.06 2.46 2.87

1983 0.16 0.43 0.80 1.38 2.26 3.45 5.47 7.21 9.24 9.05 4.62 3.09 3.61

1984 0.12 0.47 0.79 1.20 1.78 2.63 4.01 6.74 10.54 9.93 6.61 2.96 3.33

1985 0.12 0.48 0.85 1.33 1.83 2.72 4.08 6.78 9.79 10.49 6.46 2.99 3.36

1986 0.14 0.56 1.00 1.45 1.94 2.68 3.91 6.49 9.87 10.63 6.27 3.02 3.38

1987 0.18 0.53 0.94 1.36 1.88 2.56 3.79 6.48 9.93 10.53 6.08 2.96 3.31

1988 0.16 0.52 0.88 1.31 1.82 2.51 3.75 6.27 9.99 10.30 5.96 2.90 3.25

1989 0.17 0.53 0.90 1.37 1.90 2.63 3.99 6.55 10.35 10.62 5.92 3.02 3.39

1990 0.22 0.60 1.02 1.50 2.10 2.90 4.30 6.90 11.03 11.24 6.45 3.26 3.64

1991 0.28 0.74 1.18 1.78 2.50 3.36 4.79 7.83 12.45 12.32 7.14 3.75 4.14

1992 0.38 1.02 1.56 2.18 3.05 4.05 5.51 8.89 13.94 14.30 8.06 4.48 4.84

1993 0.35 0.97 1.56 2.21 3.09 4.01 5.55 8.69 13.58 13.71 7.90 4.48 4.77

1994 0.31 0.87 1.45 2.19 3.06 4.04 5.47 8.87 13.90 14.03 7.36 4.54 4.78

1995 0.32 0.82 1.38 2.21 3.16 4.18 5.61 9.26 14.71 14.95 8.19 4.76 4.97

1996 0.27 0.75 1.29 2.13 3.12 4.20 5.62 9.15 14.20 14.34 7.65 4.70 4.86

1997 0.27 0.72 1.18 1.94 2.87 3.97 5.27 8.55 13.27 13.48 7.30 4.47 4.54

1998 0.24 0.78 1.23 1.97 2.93 4.06 5.46 8.67 13.42 13.49 7.05 4.62 4.62

Total

1975 0.38 1.26 1.78 2.47 3.38 5.15 7.63 12.75 21.40 29.19 28.10 7.21 7.02

1976 0.32 1.11 1.59 2.20 3.12 4.70 7.00 11.73 19.65 27.29 28.66 6.59 6.45

1977 0.33 1.16 1.62 2.25 3.23 4.76 7.25 12.06 19.98 27.62 26.69 6.65 6.56

1978 0.27 0.78 1.22 1.88 3.01 4.67 6.98 10.87 17.21 21.36 18.54 5.53 5.70

1979 0.26 0.64 0.97 1.51 2.50 3.84 6.04 9.70 15.83 19.16 15.97 4.74 5.00

1980 0.26 0.62 0.92 1.44 2.36 3.64 5.66 9.03 15.04 18.15 12.65 4.36 4.70

1981 0.24 0.63 0.94 1.17 1.84 2.64 4.18 8.21 13.49 17.98 11.99 3.86 4.09

1982 0.26 0.58 0.86 1.11 1.86 2.97 4.31 7.08 11.72 12.23 7.17 3.33 3.60

1983 0.26 0.67 1.14 1.76 2.64 4.01 6.31 9.00 13.00 13.78 7.12 4.18 4.56

1984 0.21 0.72 1.22 1.66 2.24 3.22 4.89 8.26 13.12 14.05 8.76 3.95 4.20

1985 0.20 0.74 1.25 1.72 2.28 3.27 4.89 8.17 12.47 14.34 8.77 3.93 4.20

1986 0.22 0.88 1.48 1.95 2.45 3.14 4.49 7.50 12.49 14.42 8.34 3.93 4.18

1987 0.26 0.82 1.36 1.84 2.32 3.00 4.36 7.43 12.47 14.36 8.21 3.82 4.09

1988 0.24 0.78 1.25 1.76 2.28 2.93 4.24 7.27 12.29 14.05 7.90 3.71 3.99

1989 0.24 0.78 1.27 1.82 2.37 3.04 4.40 7.39 12.43 14.12 7.98 3.78 4.08

1990 0.32 0.86 1.41 2.00 2.62 3.38 4.78 7.74 13.18 14.86 8.43 4.06 4.39

1991 0.40 1.01 1.63 2.34 3.05 3.92 5.29 8.68 14.51 16.10 9.38 4.59 4.93

1992 0.48 1.34 2.08 2.87 3.73 4.65 6.07 9.73 16.20 18.19 10.34 5.39 5.71

1993 0.48 1.25 2.01 2.84 3.67 4.63 6.01 9.45 15.56 17.32 9.92 5.30 5.56

1994 0.40 1.11 1.81 2.68 3.54 4.42 5.80 9.34 15.47 17.31 9.66 5.20 5.41

1995 0.39 1.02 1.65 2.55 3.46 4.41 5.81 9.43 15.90 17.88 9.74 5.24 5.43

1996 0.35 0.93 1.49 2.34 3.25 4.21 5.62 9.06 15.02 16.75 8.97 5.00 5.14

1997 0.33 0.89 1.31 2.01 2.83 3.82 5.12 8.37 14.03 15.67 8.60 4.64 4.71

1998 0.32 0.93 1.33 1.98 2.83 3.90 5.27 8.49 13.98 15.52 8.35 4.74 4.74
15

Source: SSA administrative records. Rates computed as the ratio of annual terminations, to the exposure of the disabled worker population.

Table 5.—DI Disabled Worker Terminations and Gross Termination Rates

(Grouped by reason for termination, gender, and calendar years 1975-1998)

Year

Number of terminations Terminations per thousand exposed

Death Recovery Other Conversion Total Death Recovery Other Conversion Total

Male

1975 105,755 25,083 5,524 110,535 246,897 61.9 14.7 3.2 64.7 144.4

1976 103,960 38,926 5,622 118,907 267,415 56.1 21.0 3.0 64.1 144.3

1977 105,334 52,495 4,197 129,338 291,364 53.5 26.7 2.1 65.7 147.9

1978 107,989 69,087 4,777 134,061 315,914 52.9 33.8 2.3 65.6 154.6

1979 105,282 72,730 2,803 140,971 321,786 51.4 35.5 1.4 68.9 157.2

1980 105,092 61,330 2,444 135,678 304,544 51.9 30.3 1.2 67.0 150.4

1981 99,762 85,255 2,511 132,542 320,070 49.9 42.6 1.3 66.3 160.1

1982 95,943 123,039 2,240 131,951 353,173 49.8 63.8 1.2 68.4 183.1

1983 98,500 81,725 2,536 128,370 311,131 53.5 44.4 1.4 69.7 168.9

1984 98,017 39,926 2,409 122,341 262,693 53.8 21.9 1.3 67.1 144.2

1985 99,568 15,418 2,531 124,010 241,527 54.1 8.4 1.4 67.4 131.3

1986 97,943 16,525 2,484 123,997 240,949 52.1 8.8 1.3 65.9 128.1

1987 98,392 26,353 5,120 117,617 247,482 51.1 13.7 2.7 61.1 128.6

1988 101,945 26,132 6,670 114,941 249,688 52.2 13.4 3.4 58.8 127.8

1989 100,366 21,327 4,819 117,645 244,157 50.7 10.8 2.4 59.4 123.4

1990 101,848 20,809 3,447 115,057 241,161 50.2 10.3 1.7 56.7 118.9

1991 106,561 18,064 3,513 113,903 242,041 50.5 8.6 1.7 53.9 114.6

1992 110,501 20,135 3,684 115,580 249,900 49.3 9.0 1.6 51.6 111.5

1993 117,054 19,900 3,850 114,402 255,206 49.0 8.3 1.6 47.9 106.8

1994 120,239 24,043 3,873 112,283 260,438 47.6 9.5 1.5 44.5 103.2

1995 120,707 30,934 4,555 117,534 273,730 45.7 11.7 1.7 44.5 103.6

1996 114,672 32,608 4,337 116,756 268,373 41.9 11.9 1.6 42.7 98.1

1997 104,632 76,591 3,861 120,359 305,443 37.3 27.3 1.4 42.9 108.9

1998 105,417 30,167 3,935 117,540 257,059 37.2 10.7 1.4 41.5 90.8

Female

1975 34,054 9,308 1,734 47,768 92,864 44.8 12.3 2.3 62.9 122.3

1976 33,929 11,432 1,680 54,157 101,198 40.4 13.6 2.0 64.5 120.5

1977 35,006 15,818 1,552 61,174 113,550 38.6 17.4 1.7 67.5 125.2

1978 36,895 24,579 1,689 64,299 127,462 38.7 25.8 1.8 67.5 133.8

1979 36,641 26,380 820 70,064 133,905 38.0 27.3 0.8 72.6 138.8

1980 37,705 23,798 796 67,794 130,093 39.1 24.7 0.8 70.3 134.9

1981 36,162 35,576 803 67,539 140,080 37.8 37.2 0.8 70.6 146.3

1982 33,348 46,165 685 68,718 148,916 36.0 49.9 0.7 74.2 160.8

1983 35,775 48,059 780 67,143 151,757 40.0 53.7 0.9 75.0 169.6

1984 35,844 17,625 781 64,616 118,866 40.9 20.1 0.9 73.8 135.8

1985 37,138 8,034 873 65,305 111,350 41.8 9.0 1.0 73.5 125.3

1986 36,832 7,350 908 65,329 110,419 40.3 8.0 1.0 71.4 120.7

1987 37,668 11,472 2,095 62,204 113,439 39.8 12.1 2.2 65.7 119.8

1988 39,438 11,869 2,494 61,629 115,430 40.4 12.2 2.6 63.2 118.3

1989 38,507 10,075 1,644 63,253 113,479 38.3 10.0 1.6 62.9 112.8

1990 39,566 9,633 1,450 62,268 112,917 37.5 9.1 1.4 59.1 107.2

1991 42,124 8,642 1,593 61,070 113,429 37.5 7.7 1.4 54.3 100.9

1992 43,895 9,719 1,425 62,872 117,911 35.7 7.9 1.2 51.2 96.0

1993 46,786 9,767 1,593 63,220 121,366 34.6 7.2 1.2 46.8 89.8

1994 49,435 11,872 1,680 64,142 127,129 33.5 8.0 1.1 43.5 86.1

1995 51,164 16,348 2,015 68,105 137,632 31.9 10.2 1.3 42.4 85.7

1996 52,473 17,964 1,990 69,671 142,098 30.2 10.4 1.1 40.1 81.9

1997 53,322 29,365 1,735 73,800 158,222 28.7 15.8 0.9 39.8 85.3

1998 55,398 21,364 2,032 74,190 152,984 28.2 10.9 1.0 37.7 77.8

Total

1975 139,809 34,391 7,258 158,303 339,761 56.6 13.9 2.9 64.1 137.6

1976 137,889 50,358 7,302 173,064 368,613 51.2 18.7 2.7 64.3 136.8

1977 140,340 68,313 5,749 190,512 404,914 48.8 23.8 2.0 66.2 140.8

1978 144,884 93,666 6,466 198,360 443,376 48.4 31.3 2.2 66.2 148.0

1979 141,923 99,110 3,623 211,035 455,691 47.1 32.9 1.2 70.1 151.3

1980 142,797 85,128 3,240 203,472 434,637 47.8 28.5 1.1 68.1 145.4

1981 135,924 120,831 3,314 200,081 460,150 46.0 40.9 1.1 67.7 155.6

1982 129,291 169,204 2,925 200,669 502,089 45.3 59.3 1.0 70.3 175.9

1983 134,275 129,784 3,316 195,513 462,888 49.1 47.4 1.2 71.4 169.1

1984 133,861 57,551 3,190 186,957 381,559 49.6 21.3 1.2 69.3 141.4

1985 136,706 23,452 3,404 189,315 352,877 50.1 8.6 1.2 69.4 129.3

1986 134,775 23,875 3,392 189,326 351,368 48.2 8.5 1.2 67.7 125.7

1987 136,060 37,825 7,215 179,821 360,921 47.4 13.2 2.5 62.6 125.7

1988 141,383 38,001 9,164 176,570 365,118 48.3 13.0 3.1 60.3 124.6

1989 138,873 31,402 6,463 180,898 357,636 46.5 10.5 2.2 60.6 119.8

1990 141,414 30,442 4,897 177,325 354,078 45.9 9.9 1.6 57.5 114.9

1991 148,685 26,706 5,106 174,973 355,470 45.9 8.3 1.6 54.1 109.9

1992 154,396 29,854 5,109 178,452 367,811 44.5 8.6 1.5 51.4 106.0

1993 163,840 29,667 5,443 177,622 376,572 43.8 7.9 1.5 47.5 100.6

1994 169,674 35,915 5,553 176,425 387,567 42.4 9.0 1.4 44.1 96.9

1995 171,871 47,282 6,570 185,639 411,362 40.5 11.1 1.5 43.7 96.9

1996 167,145 50,572 6,327 186,427 410,471 37.4 11.3 1.4 41.7 91.8

1997 157,954 105,956 5,596 194,159 463,665 33.9 22.7 1.2 41.7 99.5

1998 160,815 51,531 5,967 191,730 410,043 33.5 10.7 1.2 40.0 85.5
16

Source: SSA administrative records.

Table 6.—DI Disabled Workers In Current-Payment Status

(Grouped by age and gender, end of calendar years 1975-1998)

Year 15-19 20-24 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64

65 or

older Total

Male

1975 1,285 23,547 54,122 58,297 69,544 106,378 165,152 270,658 396,188 564,759 0 1,709,930

1976 1,070 25,555 59,525 67,151 77,055 111,678 172,531 282,793 426,725 598,909 0 1,822,992

1977 1,058 26,336 61,622 76,050 85,017 115,570 179,807 295,930 458,014 629,728 0 1,929,132

1978 974 24,599 60,522 81,135 89,912 117,264 177,945 294,446 463,466 640,436 0 1,950,699

1979 1,015 22,373 58,774 84,067 92,924 115,137 175,807 283,972 467,194 636,257 0 1,937,520

1980 1,040 21,436 57,407 88,363 96,044 115,295 171,440 276,387 462,579 635,937 0 1,925,928

1981 984 20,752 56,277 85,683 95,445 109,109 157,149 260,861 440,977 638,730 0 1,865,967

1982 885 18,446 51,016 78,302 90,144 100,638 135,643 236,603 411,875 618,079 0 1,741,631

1983 782 18,735 52,875 81,630 98,290 108,968 139,217 224,918 399,487 601,653 0 1,726,555

1984 599 19,280 57,172 87,968 109,090 118,649 144,133 225,839 386,540 594,499 0 1,743,769

1985 516 19,428 61,427 95,717 123,353 131,039 153,588 229,480 382,261 584,907 0 1,781,716

1986 563 20,537 67,579 106,759 136,306 145,199 163,397 231,796 378,539 572,859 0 1,823,534

1987 626 20,159 69,045 113,509 143,540 158,056 174,689 232,941 374,048 567,102 0 1,853,715

1988 641 19,104 68,515 117,573 149,180 168,364 184,680 237,771 367,816 559,740 0 1,873,384

1989 700 18,253 67,115 121,206 157,516 183,531 197,006 242,637 369,256 545,262 0 1,902,482

1990 860 19,107 67,817 127,061 168,533 202,579 210,477 251,748 373,022 542,403 0 1,963,607

1991 986 21,571 70,563 135,237 183,677 221,850 231,902 269,504 384,237 544,572 0 2,064,099

1992 1,026 25,800 77,210 147,210 205,492 242,603 261,813 297,159 403,011 554,960 0 2,216,284

1993 1,021 27,255 81,425 156,849 223,302 264,000 289,244 324,984 424,358 560,766 0 2,353,204

1994 840 26,148 81,233 160,540 235,217 281,312 317,133 349,847 441,579 575,163 0 2,469,012

1995 797 23,036 79,269 157,816 241,116 295,687 344,892 370,632 460,966 589,096 0 2,563,307

1996 768 20,025 75,593 150,936 242,640 307,286 363,195 396,309 482,044 599,705 0 2,638,501

1997 729 18,330 69,226 139,506 233,304 308,492 362,595 417,193 503,624 607,320 0 2,660,319

1998 763 18,103 64,835 132,429 230,690 317,452 374,073 440,585 529,592 622,743 0 2,731,265

Female

1975 342 7,640 17,910 21,765 25,686 40,938 70,018 126,434 198,096 268,871 0 777,700

1976 320 8,639 20,650 25,679 29,340 44,307 74,212 134,878 215,388 292,983 0 846,396

1977 305 9,181 22,514 29,582 33,234 46,977 77,414 143,171 231,809 312,920 0 907,107

1978 288 8,807 23,228 31,523 36,063 48,464 77,658 143,183 235,313 322,926 0 927,453

1979 337 8,129 23,722 33,746 38,129 48,499 77,363 138,626 238,472 323,958 0 930,981

1980 424 7,736 23,806 35,905 40,291 49,190 76,436 133,923 236,830 325,891 0 930,432

1981 346 7,673 23,404 35,913 40,499 47,132 69,991 126,485 227,360 326,933 0 905,736

1982 340 6,903 21,371 33,289 39,297 43,891 61,456 117,328 216,539 317,247 0 857,661

1983 291 7,053 22,088 35,201 42,490 47,814 63,109 107,763 203,483 308,224 0 837,516

1984 199 7,545 23,471 38,669 47,923 53,427 66,558 108,498 197,163 304,957 0 848,410

1985 194 7,733 25,216 42,980 54,649 60,245 72,038 112,131 194,878 301,364 0 871,428

1986 236 8,387 28,204 48,120 61,247 68,526 79,300 115,999 194,620 296,450 0 901,089

1987 285 8,589 29,681 51,417 66,090 76,195 87,090 119,794 194,118 294,733 0 927,992

1988 313 8,363 30,469 54,165 70,672 82,327 94,917 125,068 194,132 292,249 0 952,675

1989 326 8,270 30,908 56,812 76,920 91,477 104,513 132,062 198,780 288,019 0 988,087

1990 408 9,018 32,223 61,013 84,957 103,200 115,316 141,187 206,341 289,413 0 1,043,076

1991 472 10,691 34,546 66,704 95,323 116,463 131,302 156,506 218,899 295,570 0 1,126,476

1992 596 13,569 39,481 74,931 108,441 132,862 152,508 180,070 236,697 308,270 0 1,247,425

1993 562 15,092 43,366 82,743 121,626 149,635 173,245 203,995 257,800 319,794 0 1,367,858

1994 496 14,959 45,238 89,252 133,117 166,905 195,900 228,308 278,388 336,586 0 1,489,149

1995 506 13,795 46,724 93,006 143,574 184,757 221,128 252,531 303,682 356,246 0 1,615,949

1996 478 12,380 47,206 94,145 152,053 201,631 242,748 281,299 331,849 376,021 0 1,739,810

1997 457 11,590 45,861 92,644 155,082 213,006 256,741 308,246 361,640 395,107 0 1,840,374

1998 445 11,748 44,863 91,709 160,302 226,100 274,984 334,305 394,759 420,462 0 1,959,677

Total

1975 1,627 31,187 72,032 80,062 95,230 147,316 235,170 397,092 594,284 833,630 0 2,487,630

1976 1,390 34,194 80,175 92,830 106,395 155,985 246,743 417,671 642,113 891,892 0 2,669,388

1977 1,363 35,517 84,136 105,632 118,251 162,547 257,221 439,101 689,823 942,648 0 2,836,239

1978 1,262 33,406 83,750 112,658 125,975 165,728 255,603 437,629 698,779 963,362 0 2,878,152

1979 1,352 30,502 82,496 117,813 131,053 163,636 253,170 422,598 705,666 960,215 0 2,868,501

1980 1,464 29,172 81,213 124,268 136,335 164,485 247,876 410,310 699,409 961,828 0 2,856,360

1981 1,330 28,425 79,681 121,596 135,944 156,241 227,140 387,346 668,337 965,663 0 2,771,703

1982 1,225 25,349 72,387 111,591 129,441 144,529 197,099 353,931 628,414 935,326 0 2,599,292

1983 1,073 25,788 74,963 116,831 140,780 156,782 202,326 332,681 602,970 909,877 0 2,564,071

1984 798 26,825 80,643 126,637 157,013 172,076 210,691 334,337 583,703 899,456 0 2,592,179

1985 710 27,161 86,643 138,697 178,002 191,284 225,626 341,611 577,139 886,271 0 2,653,144

1986 799 28,924 95,783 154,879 197,553 213,725 242,697 347,795 573,159 869,309 0 2,724,623

1987 911 28,748 98,726 164,926 209,630 234,251 261,779 352,735 568,166 861,835 0 2,781,707

1988 954 27,467 98,984 171,738 219,852 250,691 279,597 362,839 561,948 851,989 0 2,826,059

1989 1,026 26,523 98,023 178,018 234,436 275,008 301,519 374,699 568,036 833,281 0 2,890,569

1990 1,268 28,125 100,040 188,074 253,490 305,779 325,793 392,935 579,363 831,816 0 3,006,683

1991 1,458 32,262 105,109 201,941 279,000 338,313 363,204 426,010 603,136 840,142 0 3,190,575

1992 1,622 39,369 116,691 222,141 313,933 375,465 414,321 477,229 639,708 863,230 0 3,463,709

1993 1,583 42,347 124,791 239,592 344,928 413,635 462,489 528,979 682,158 880,560 0 3,721,062

1994 1,336 41,107 126,471 249,792 368,334 448,217 513,033 578,155 719,967 911,749 0 3,958,161

1995 1,303 36,831 125,993 250,822 384,690 480,444 566,020 623,163 764,648 945,342 0 4,179,256

1996 1,246 32,405 122,799 245,081 394,693 508,917 605,943 677,608 813,893 975,726 0 4,378,311

1997 1,186 29,920 115,087 232,150 388,386 521,498 619,336 725,439 865,264 1,002,427 0 4,500,693

1998 1,208 29,851 109,698 224,138 390,992 543,552 649,057 774,890 924,351 1,043,205 0 4,690,942
17

TERMINATION STUDY

BY SELECT AGE AND DURATION
18

.
19

Notes:

(1) Probability of death in a multiple-decrement environment. Select age denotes age last birthday at entitlement.

(2) The quantity at duration t represents the probability of death during the (t+1) year of entitlement for those lives originally entitled to disability benefits at

select age [x] and who are currently attained age [x]+t.

(3) Probabilities are read across the row for durations 0-10, and down the ultimate column (“10+”) for durations greater than 10.

(4) The probabilities shown have been graduated using the Whittaker-Henderson Type B two-dimensional graduation methodology. See the appendix for details.

Table 7A.—DI Male Disabled Worker Probability of Death

(1991-1995 Social Security disability experience)

Select

age

Duration of disability Attained

0 1 2 3 4 5 6 7 8 9 10+ age

20 0.017889 0.013691 0.010076 0.007712 0.006414 0.006243 0.006639 0.007396 0.007709 0.007550 0.007873 30

21 0.021394 0.016716 0.012485 0.009665 0.008010 0.007524 0.007536 0.008123 0.008164 0.008036 0.008573 31

22 0.025293 0.020261 0.015302 0.011616 0.009565 0.008716 0.008396 0.008831 0.008680 0.008570 0.009018 32

23 0.029890 0.024887 0.018694 0.013832 0.011063 0.009753 0.009359 0.009432 0.009313 0.009009 0.009289 33

24 0.035863 0.030661 0.022830 0.016317 0.012666 0.010843 0.010205 0.009989 0.010080 0.009498 0.009639 34

25 0.043244 0.037630 0.027570 0.019117 0.014166 0.011778 0.010764 0.010580 0.010755 0.010068 0.009964 35

26 0.051200 0.044691 0.032337 0.021806 0.015451 0.012607 0.011438 0.011166 0.011203 0.010520 0.010060 36

27 0.059128 0.050628 0.036452 0.024181 0.016899 0.013405 0.011998 0.011619 0.011583 0.011061 0.010258 37

28 0.065669 0.055377 0.039515 0.026047 0.018223 0.014329 0.012507 0.012079 0.011984 0.011665 0.010675 38

29 0.070538 0.058766 0.041999 0.027197 0.019386 0.015337 0.013189 0.012713 0.012544 0.012295 0.011268 39

30 0.073711 0.061068 0.043292 0.028230 0.020218 0.016191 0.014054 0.013354 0.013276 0.012949 0.012245 40

31 0.075477 0.061522 0.043848 0.029072 0.020928 0.016730 0.014848 0.014112 0.014081 0.013669 0.013235 41

32 0.077085 0.061888 0.044213 0.029581 0.021265 0.017260 0.015770 0.015102 0.015053 0.014656 0.014114 42

33 0.077824 0.062024 0.044254 0.030100 0.021811 0.018167 0.016677 0.016062 0.015795 0.015613 0.014695 43

34 0.078340 0.061669 0.043994 0.030631 0.022561 0.018849 0.017552 0.016855 0.016497 0.016463 0.015571 44

35 0.079178 0.061365 0.043463 0.031237 0.023457 0.019655 0.018343 0.017781 0.017446 0.017332 0.016566 45

36 0.079452 0.061170 0.043257 0.031148 0.024274 0.020535 0.019166 0.018618 0.018492 0.018406 0.017754 46

37 0.079577 0.061156 0.043084 0.030854 0.024667 0.021499 0.020224 0.019350 0.019367 0.019549 0.019221 47

38 0.079902 0.060320 0.042381 0.030397 0.024842 0.022326 0.021392 0.020285 0.020181 0.020432 0.020090 48

39 0.080544 0.059014 0.040642 0.030047 0.025139 0.022996 0.022422 0.021488 0.021202 0.021473 0.020826 49

40 0.080814 0.057694 0.038977 0.029621 0.025345 0.023919 0.023324 0.022652 0.022631 0.022803 0.022134 50

41 0.080658 0.056434 0.037712 0.029246 0.025769 0.024392 0.024425 0.024270 0.024598 0.024760 0.023729 51

42 0.080079 0.055245 0.037185 0.029265 0.025987 0.024985 0.025684 0.025992 0.026788 0.027336 0.025594 52

43 0.079862 0.054184 0.036866 0.029656 0.026764 0.026005 0.026939 0.027523 0.028925 0.029649 0.027496 53

44 0.080042 0.053239 0.037023 0.030037 0.027948 0.027378 0.028219 0.029039 0.030815 0.031376 0.029651 54

45 0.080736 0.052125 0.037109 0.030916 0.029227 0.028898 0.029381 0.030614 0.032647 0.033104 0.031698 55

46 0.082514 0.051843 0.037367 0.032300 0.030278 0.030286 0.030938 0.032761 0.034612 0.035076 0.033563 56

47 0.084207 0.052433 0.038108 0.033413 0.031455 0.031855 0.032739 0.034951 0.036705 0.037435 0.035618 57

48 0.084663 0.052549 0.038603 0.034032 0.033026 0.033719 0.034805 0.036965 0.038574 0.040136 0.038304 58

49 0.083520 0.052009 0.038690 0.034153 0.034493 0.035227 0.037166 0.038468 0.040275 0.042510 0.040646 59

50 0.081998 0.051381 0.038674 0.034524 0.035447 0.037220 0.039347 0.039974 0.042091 0.044594 0.042878 60

51 0.085624 0.052812 0.040008 0.036314 0.036803 0.039340 0.041440 0.042255 0.044422 0.047052 0.045908 61

52 0.088961 0.054347 0.041259 0.037956 0.038471 0.041486 0.043023 0.044771 0.047276 0.048735 0.048753 62

53 0.090391 0.055072 0.041780 0.039094 0.040293 0.043515 0.045143 0.047019 0.049661 0.048580 0.045426 63

54 0.087985 0.054822 0.041938 0.039834 0.042003 0.045506 0.047365 0.048301 0.049823 0.046154 0.033648 64

55 0.083943 0.054239 0.041694 0.040669 0.043638 0.046974 0.048486 0.048545 0.047235 0.043586 — 65

56 0.085655 0.055569 0.043917 0.042815 0.046197 0.048396 0.048680 0.046774 0.044050 — — 66

57 0.087558 0.057667 0.047243 0.045645 0.048026 0.048644 0.046088 0.043588 — — — 67

58 0.090269 0.060473 0.050325 0.048360 0.048380 0.045692 0.042459 — — — — 68

59 0.092258 0.063368 0.052346 0.049323 0.044759 0.041113 — — — — — 69

60 0.096197 0.066224 0.053322 0.047488 0.039441 — — — — — — 70

61 0.109424 0.071415 0.052627 0.043160 — — — — — — — 71

62 0.121964 0.074015 0.049384 — — — — — — — — 72

63 0.127749 0.072694 — — — — — — — — — 73

64 0.119946 — — — — — — — — — — 74

q( ) d
20

Notes:

(1) Probability of death in a multiple-decrement environment. Select age denotes age last birthday at entitlement.

(2) The quantity at duration t represents the probability of death during the (t+1) year of entitlement for those lives originally entitled to disability benefits at

select age [x] and who are currently attained age [x]+t.

(3) Probabilities are read across the row for durations 0-10, and down the ultimate column (“10+”) for durations greater than 10.

(4) The probabilities shown have been graduated using the Whittaker-Henderson Type B two-dimensional graduation methodology. See the appendix for details.

Table 7B.—DI Female Disabled Worker Probability of Death

(1991-1995 Social Security disability experience)

Select

age

Duration of disability Attained

0 1 2 3 4 5 6 7 8 9 10+ age

20 0.016197 0.012490 0.009198 0.007198 0.007059 0.007736 0.008301 0.007736 0.007249 0.006961 0.007374 30

21 0.018468 0.013752 0.009909 0.007625 0.007384 0.007715 0.007983 0.007593 0.007293 0.007287 0.007782 31

22 0.020512 0.015097 0.010687 0.008171 0.007721 0.007756 0.007683 0.007515 0.007423 0.007554 0.007901 32

23 0.022390 0.016457 0.011628 0.008898 0.008005 0.007773 0.007563 0.007513 0.007615 0.007740 0.007799 33

24 0.023890 0.017722 0.012740 0.009769 0.008239 0.007803 0.007706 0.007636 0.007902 0.007996 0.007699 34

25 0.025237 0.018824 0.013623 0.010489 0.008638 0.008013 0.007981 0.008030 0.008268 0.008309 0.007880 35

26 0.026582 0.019915 0.014377 0.011122 0.009054 0.008392 0.008395 0.008534 0.008652 0.008732 0.008325 36

27 0.028107 0.020922 0.015034 0.011407 0.009497 0.008846 0.008786 0.008988 0.009105 0.009125 0.008722 37

28 0.029742 0.021812 0.015503 0.011625 0.009827 0.009179 0.009281 0.009348 0.009606 0.009548 0.009037 38

29 0.031476 0.022414 0.015743 0.011906 0.010074 0.009501 0.009672 0.009758 0.010144 0.010087 0.009518 39

30 0.033049 0.022807 0.015808 0.012120 0.010432 0.009813 0.009962 0.010143 0.010608 0.010516 0.010285 40

31 0.034603 0.023475 0.016099 0.012361 0.010977 0.010202 0.010187 0.010493 0.010881 0.010987 0.010895 41

32 0.036149 0.024427 0.016549 0.012581 0.011364 0.010738 0.010378 0.010766 0.011109 0.011541 0.011428 42

33 0.037220 0.025256 0.016896 0.012789 0.011556 0.011066 0.010454 0.010956 0.011497 0.012052 0.012137 43

34 0.038754 0.025993 0.017258 0.013207 0.011693 0.011264 0.010691 0.011230 0.011919 0.012469 0.012772 44

35 0.040325 0.026376 0.017598 0.013394 0.011807 0.011631 0.011189 0.011588 0.012199 0.012796 0.013090 45

36 0.041674 0.027174 0.017960 0.013656 0.012227 0.011984 0.011887 0.011959 0.012446 0.013063 0.013475 46

37 0.043156 0.028246 0.018455 0.014193 0.012879 0.012572 0.012631 0.012460 0.012840 0.013507 0.014208 47

38 0.045484 0.029325 0.019031 0.014746 0.013447 0.013320 0.013387 0.013225 0.013375 0.013994 0.015042 48

39 0.047476 0.030016 0.019823 0.015296 0.014101 0.014183 0.014427 0.014176 0.014113 0.014646 0.015460 49

40 0.049265 0.030743 0.020377 0.015755 0.014809 0.015110 0.015425 0.015123 0.015171 0.015464 0.015963 50

41 0.051246 0.031654 0.020747 0.016246 0.015487 0.015645 0.016143 0.016151 0.016538 0.016683 0.016697 51

42 0.053596 0.032633 0.021157 0.016789 0.015965 0.016006 0.016752 0.017228 0.018052 0.018157 0.017615 52

43 0.055300 0.033720 0.021714 0.017379 0.016549 0.016331 0.017211 0.018104 0.019412 0.019773 0.019003 53

44 0.057164 0.034945 0.022597 0.018180 0.017597 0.017273 0.017898 0.019001 0.020794 0.021143 0.020383 54

45 0.059383 0.036424 0.023417 0.019028 0.018749 0.018384 0.018730 0.020228 0.022124 0.022659 0.021634 55

46 0.061319 0.037448 0.024081 0.019810 0.019578 0.019658 0.019821 0.021635 0.023300 0.024058 0.022471 56

47 0.062887 0.038248 0.024921 0.020341 0.020038 0.020804 0.021129 0.022944 0.024476 0.025279 0.023587 57

48 0.063696 0.038536 0.025535 0.021190 0.020618 0.021786 0.022474 0.023838 0.025501 0.026539 0.025130 58

49 0.063459 0.038519 0.026141 0.022119 0.021351 0.022610 0.023586 0.024930 0.026500 0.027680 0.026800 59

50 0.062747 0.038901 0.026688 0.022876 0.022332 0.023423 0.024654 0.026082 0.027551 0.028795 0.028256 60

51 0.064962 0.040613 0.027600 0.024278 0.023298 0.024756 0.026291 0.027638 0.029189 0.030135 0.029539 61

52 0.067051 0.042379 0.028876 0.025859 0.024922 0.026659 0.028383 0.029548 0.030984 0.031217 0.030483 62

53 0.068371 0.043214 0.030359 0.027016 0.026789 0.028534 0.030328 0.031234 0.032413 0.031160 0.028671 63

54 0.067249 0.043388 0.031069 0.028076 0.028623 0.030464 0.031604 0.031994 0.032262 0.030147 0.022873 64

55 0.066290 0.043601 0.032303 0.029371 0.030355 0.031924 0.032382 0.031766 0.030897 0.029477 — 65

56 0.067807 0.045209 0.034551 0.031368 0.032180 0.032759 0.032270 0.030417 0.029780 — — 66

57 0.069862 0.047434 0.037268 0.033874 0.033300 0.032751 0.030975 0.029234 — — — 67

58 0.072569 0.049831 0.039080 0.035635 0.033538 0.031358 0.029704 — — — — 68

59 0.076010 0.052660 0.040842 0.036032 0.032402 0.029983 — — — — — 69

60 0.080481 0.055733 0.041911 0.034791 0.030753 — — — — — — 70

61 0.087856 0.059639 0.042020 0.033419 — — — — — — — 71

62 0.092948 0.061591 0.041325 — — — — — — — — 72

63 0.094958 0.062235 — — — — — — — — — 73

64 0.091869 — — — — — — — — — — 74

q( ) d
21

Notes:

(1) Probability of recovery in a multiple-decrement environment. Select age denotes age last birthday at entitlement.

(2) The quantity at duration t represents the probability of recovery during the (t+1) year of entitlement for those lives originally entitled to disability benefits at

select age [x] and who are currently attained age [x]+t.

(3) Probabilities are read across the row for durations 0-10, and down the ultimate column (“10+”) for durations greater than 10.

(4) The probabilities shown have been graduated using the Whittaker-Henderson Type B two-dimensional graduation methodology. See the appendix for details.

Table 8A.—DI Male Disabled Worker Probability of Recovery

(1991-1995 Social Security disability experience)

Select

age

Duration of disability Attained

0 1 2 3 4 5 6 7 8 9 10+ age

20 0.009553 0.015415 0.012717 0.024228 0.049460 0.051673 0.042813 0.033578 0.026503 0.021240 0.019564 30

21 0.009929 0.015681 0.012502 0.022730 0.045963 0.047551 0.038719 0.030601 0.023624 0.019049 0.016099 31

22 0.010193 0.016006 0.012332 0.021366 0.042523 0.043568 0.034949 0.027628 0.020863 0.016961 0.012903 32

23 0.010238 0.016486 0.012225 0.020184 0.039404 0.039793 0.031752 0.024887 0.018558 0.015099 0.010455 33

24 0.010061 0.017097 0.012321 0.019050 0.036607 0.036243 0.029194 0.022694 0.016845 0.013673 0.008810 34

25 0.009942 0.017739 0.012511 0.018076 0.033920 0.033008 0.026916 0.021029 0.015789 0.012532 0.007663 35

26 0.009892 0.018347 0.012562 0.017043 0.031107 0.030213 0.024867 0.019809 0.015073 0.011679 0.006774 36

27 0.009754 0.018810 0.012340 0.015820 0.028363 0.027812 0.022960 0.018778 0.014521 0.010992 0.005947 37

28 0.009682 0.019319 0.012168 0.014684 0.025814 0.025592 0.021460 0.017804 0.013814 0.010427 0.005330 38

29 0.009772 0.019916 0.012073 0.013711 0.023704 0.023392 0.020235 0.016849 0.012992 0.009938 0.004840 39

30 0.009897 0.020344 0.012141 0.012974 0.022109 0.021621 0.019021 0.015827 0.012181 0.009383 0.004388 40

31 0.010196 0.020776 0.012169 0.012458 0.020815 0.020304 0.017617 0.014691 0.011458 0.008811 0.004061 41

32 0.010543 0.020968 0.012027 0.011852 0.019789 0.019211 0.016270 0.013370 0.010841 0.008217 0.003528 42

33 0.010591 0.020675 0.011808 0.011202 0.018681 0.018250 0.014983 0.012170 0.010036 0.007624 0.003073 43

34 0.010377 0.020295 0.011542 0.010634 0.017445 0.017176 0.014049 0.011188 0.009222 0.006998 0.002798 44

35 0.009947 0.019832 0.011129 0.010023 0.016378 0.016043 0.013271 0.010211 0.008413 0.006363 0.002677 45

36 0.009494 0.019337 0.010583 0.009578 0.015244 0.014740 0.012347 0.009308 0.007710 0.005879 0.002677 46

37 0.009200 0.018621 0.009913 0.009159 0.014102 0.013521 0.011120 0.008397 0.007121 0.005482 0.002464 47

38 0.008984 0.017853 0.009195 0.008530 0.012875 0.012354 0.009844 0.007675 0.006494 0.004926 0.002218 48

39 0.008660 0.017239 0.008829 0.007742 0.011906 0.011231 0.008796 0.007057 0.005853 0.004192 0.001984 49

40 0.008192 0.016548 0.008515 0.006946 0.011069 0.010271 0.007911 0.006486 0.005246 0.003571 0.001796 50

41 0.007697 0.015583 0.008040 0.006341 0.010142 0.009274 0.007173 0.005818 0.004676 0.003119 0.001614 51

42 0.007226 0.014531 0.007505 0.005913 0.009290 0.008184 0.006413 0.005096 0.004178 0.002879 0.001501 52

43 0.006795 0.013715 0.007009 0.005608 0.008427 0.007186 0.005683 0.004541 0.003649 0.002696 0.001376 53

44 0.006522 0.013021 0.006473 0.005278 0.007550 0.006352 0.004959 0.004055 0.003096 0.002509 0.001281 54

45 0.006303 0.012362 0.005849 0.004749 0.006893 0.005678 0.004326 0.003576 0.002592 0.002343 0.000990 55

46 0.006080 0.011615 0.005168 0.004102 0.006379 0.005150 0.003880 0.003068 0.002181 0.002187 0.000855 56

47 0.005640 0.010450 0.004506 0.003512 0.005895 0.004584 0.003529 0.002561 0.001892 0.001954 0.000778 57

48 0.004955 0.008821 0.003941 0.003050 0.005403 0.004002 0.003187 0.002129 0.001678 0.001625 0.000695 58

49 0.004134 0.007335 0.003455 0.002678 0.004940 0.003515 0.002767 0.001797 0.001513 0.001309 0.000603 59

50 0.003446 0.006164 0.002984 0.002314 0.004425 0.003190 0.002311 0.001584 0.001314 0.001025 0.000541 60

51 0.003108 0.005264 0.002512 0.001973 0.004033 0.002892 0.001919 0.001382 0.001107 0.000782 0.000453 61

52 0.002751 0.004456 0.002001 0.001692 0.003735 0.002594 0.001589 0.001147 0.000905 0.000590 0.000331 62

53 0.002270 0.003548 0.001565 0.001505 0.003406 0.002243 0.001404 0.000912 0.000687 0.000429 0.000181 63

54 0.001703 0.002684 0.001217 0.001387 0.003026 0.001832 0.001224 0.000741 0.000476 0.000287 0.000102 64

55 0.001244 0.002030 0.000932 0.001301 0.002698 0.001493 0.000937 0.000599 0.000297 0.000194 — 65

56 0.001071 0.001681 0.000769 0.001163 0.002273 0.001189 0.000630 0.000426 0.000167 — — 66

57 0.001002 0.001441 0.000665 0.001017 0.001789 0.000913 0.000366 0.000271 — — — 67

58 0.000870 0.001220 0.000547 0.000797 0.001251 0.000676 0.000197 — — — — 68

59 0.000692 0.000937 0.000425 0.000567 0.000767 0.000457 — — — — — 69

60 0.000600 0.000681 0.000296 0.000352 0.000444 — — — — — — 70

61 0.000501 0.000459 0.000212 0.000176 — — — — — — — 71

62 0.000424 0.000335 0.000165 — — — — — — — — 72

63 0.000401 0.000320 — — — — — — — — — 73

64 0.000431 — — — — — — — — — — 74

q( )r
22

Notes:

(1) Probability of recovery in a multiple-decrement environment. Select age denotes age last birthday at entitlement.

(2) The quantity at duration t represents the probability of recovery during the (t+1) year of entitlement for those lives originally entitled to disability benefits at

select age [x] and who are currently attained age [x]+t.

(3) Probabilities are read across the row for durations 0-10, and down the ultimate column (“10+”) for durations greater than 10.

(4) The probabilities shown have been graduated using the Whittaker-Henderson Type B two-dimensional graduation methodology. See the appendix for details.

Table 8B.—DI Female Disabled Worker Probability of Recovery

(1991-1995 Social Security disability experience)

Select

age

Duration of disability Attained

0 1 2 3 4 5 6 7 8 9 10+ age

20 0.005521 0.010081 0.011060 0.021152 0.043538 0.046272 0.037780 0.030964 0.022729 0.018703 0.013677 30

21 0.005546 0.010781 0.011118 0.020247 0.040018 0.041727 0.034266 0.028051 0.021086 0.016961 0.012070 31

22 0.005613 0.011392 0.011158 0.019441 0.036788 0.037376 0.030968 0.025350 0.019358 0.015285 0.010591 32

23 0.005736 0.011974 0.011134 0.018533 0.033974 0.033428 0.027923 0.023147 0.017720 0.013908 0.009348 33

24 0.005852 0.012390 0.010845 0.017557 0.031404 0.030092 0.025403 0.021370 0.016344 0.012924 0.008323 34

25 0.006005 0.012669 0.010424 0.016286 0.028956 0.027431 0.023239 0.020009 0.015379 0.012226 0.007532 35

26 0.006214 0.012778 0.009902 0.015017 0.026714 0.025307 0.021395 0.018741 0.014850 0.011658 0.006961 36

27 0.006388 0.012944 0.009583 0.013867 0.024688 0.023568 0.019975 0.017550 0.014485 0.011176 0.006549 37

28 0.006491 0.013324 0.009459 0.012905 0.022814 0.022153 0.018853 0.016614 0.014180 0.010727 0.006196 38

29 0.006501 0.013627 0.009446 0.012134 0.021136 0.020900 0.017867 0.015939 0.013849 0.010387 0.005997 39

30 0.006456 0.013836 0.009458 0.011536 0.019619 0.019841 0.016812 0.015538 0.013381 0.010133 0.005830 40

31 0.006425 0.013755 0.009413 0.011030 0.018262 0.018946 0.015871 0.015321 0.012772 0.009889 0.005481 41

32 0.006359 0.013577 0.009249 0.010425 0.017106 0.018250 0.015354 0.014907 0.012171 0.009610 0.005067 42

33 0.006277 0.013381 0.009080 0.009818 0.016111 0.017720 0.015024 0.014401 0.011753 0.009300 0.004707 43

34 0.006207 0.013157 0.008866 0.009334 0.015145 0.017209 0.014691 0.013629 0.011377 0.008970 0.004468 44

35 0.006347 0.013169 0.008719 0.008873 0.014425 0.016501 0.014219 0.012705 0.010853 0.008677 0.004222 45

36 0.006318 0.013219 0.008531 0.008409 0.013952 0.015719 0.013544 0.011804 0.009919 0.008390 0.004013 46

37 0.006064 0.013094 0.008375 0.007954 0.013654 0.014762 0.012605 0.010962 0.008863 0.007961 0.003748 47

38 0.005926 0.012805 0.008140 0.007566 0.013176 0.013788 0.011711 0.010111 0.007917 0.007330 0.003484 48

39 0.005885 0.012492 0.007757 0.007046 0.012468 0.012785 0.010885 0.009227 0.007168 0.006529 0.003138 49

40 0.005840 0.012113 0.007349 0.006524 0.011635 0.011755 0.010121 0.008421 0.006464 0.005720 0.002795 50

41 0.005759 0.011615 0.006847 0.006148 0.010988 0.010661 0.009407 0.007629 0.005855 0.004980 0.002460 51

42 0.005581 0.010974 0.006267 0.005847 0.010351 0.009584 0.008659 0.006875 0.005289 0.004419 0.002170 52

43 0.005386 0.010367 0.005699 0.005554 0.009644 0.008545 0.007728 0.006103 0.004733 0.003990 0.001875 53

44 0.005141 0.009704 0.005243 0.005153 0.008842 0.007641 0.006670 0.005320 0.004217 0.003592 0.001636 54

45 0.004774 0.009021 0.005002 0.004663 0.008028 0.006858 0.005701 0.004575 0.003703 0.003196 0.001435 55

46 0.004324 0.008354 0.004565 0.004299 0.007160 0.006204 0.004781 0.003885 0.003174 0.002749 0.001270 56

47 0.003801 0.007577 0.003967 0.003917 0.006318 0.005571 0.003979 0.003329 0.002675 0.002328 0.001053 57

48 0.003297 0.006668 0.003407 0.003519 0.005479 0.004957 0.003405 0.002840 0.002249 0.001901 0.000851 58

49 0.002833 0.005684 0.002992 0.003099 0.004766 0.004293 0.002991 0.002355 0.001906 0.001488 0.000705 59

50 0.002475 0.004844 0.002690 0.002641 0.004222 0.003779 0.002636 0.001902 0.001579 0.001151 0.000627 60

51 0.002275 0.004141 0.002385 0.002238 0.003938 0.003389 0.002260 0.001474 0.001294 0.000857 0.000513 61

52 0.002026 0.003554 0.001968 0.001899 0.003776 0.003049 0.001892 0.001169 0.001025 0.000624 0.000298 62

53 0.001722 0.002923 0.001546 0.001699 0.003576 0.002612 0.001576 0.000963 0.000753 0.000424 0.000156 63

54 0.001382 0.002273 0.001207 0.001522 0.003193 0.002112 0.001260 0.000787 0.000513 0.000300 0.000079 64

55 0.001182 0.001768 0.000942 0.001272 0.002631 0.001650 0.000942 0.000608 0.000330 0.000231 — 65

56 0.001129 0.001471 0.000712 0.001024 0.002140 0.001274 0.000660 0.000441 0.000208 — — 66

57 0.001139 0.001286 0.000512 0.000801 0.001740 0.000905 0.000448 0.000306 — — — 67

58 0.001076 0.001117 0.000377 0.000610 0.001285 0.000603 0.000295 — — — — 68

59 0.000882 0.000925 0.000275 0.000449 0.000847 0.000379 — — — — — 69

60 0.000675 0.000679 0.000192 0.000310 0.000457 — — — — — — 70

61 0.000542 0.000456 0.000130 0.000189 — — — — — — — 71

62 0.000493 0.000332 0.000101 — — — — — — — — 72

63 0.000507 0.000253 — — — — — — — — — 73

64 0.000548 — — — — — — — — — — 74

q( )r
23

Notes:

(1) Probability of decrement in a multiple-decrement environment. Select age denotes age last birthday at entitlement.

(2) The quantity at duration t represents the probability of death or recovery during the (t+1) year of entitlement for those lives originally entitled to disability

benefits at select age [x] and who are currently attained age [x]+t.

(3) Probabilities are read across the row for durations 0-10, and down the ultimate column (“10+”) for durations greater than 10.

(4) The probabilities shown have been graduated using the Whittaker-Henderson Type B two-dimensional graduation methodology. See the appendix for details.

Table 9A.—DI Male Disabled Worker Probability of Death or Recovery

(1991-1995 Social Security disability experience)

Select

age

Duration of disability Attained

0 1 2 3 4 5 6 7 8 9 10+ age

20 0.027442 0.029106 0.022793 0.031940 0.055874 0.057916 0.049452 0.040974 0.034212 0.028790 0.027437 30

21 0.031323 0.032397 0.024987 0.032395 0.053973 0.055075 0.046255 0.038724 0.031788 0.027085 0.024672 31

22 0.035486 0.036267 0.027634 0.032982 0.052088 0.052284 0.043345 0.036459 0.029543 0.025531 0.021921 32

23 0.040128 0.041373 0.030919 0.034016 0.050467 0.049546 0.041111 0.034319 0.027871 0.024108 0.019744 33

24 0.045924 0.047758 0.035151 0.035367 0.049273 0.047086 0.039399 0.032683 0.026925 0.023171 0.018449 34

25 0.053186 0.055369 0.040081 0.037193 0.048086 0.044786 0.037680 0.031609 0.026544 0.022600 0.017627 35

26 0.061092 0.063038 0.044899 0.038849 0.046558 0.042820 0.036305 0.030975 0.026276 0.022199 0.016834 36

27 0.068882 0.069438 0.048792 0.040001 0.045262 0.041217 0.034958 0.030397 0.026104 0.022053 0.016205 37

28 0.075351 0.074696 0.051683 0.040731 0.044037 0.039921 0.033967 0.029883 0.025798 0.022092 0.016005 38

29 0.080310 0.078682 0.054072 0.040908 0.043090 0.038729 0.033424 0.029562 0.025536 0.022233 0.016108 39

30 0.083608 0.081412 0.055433 0.041204 0.042327 0.037812 0.033075 0.029181 0.025457 0.022332 0.016633 40

31 0.085673 0.082298 0.056017 0.041530 0.041743 0.037034 0.032465 0.028803 0.025539 0.022480 0.017296 41

32 0.087628 0.082856 0.056240 0.041433 0.041054 0.036471 0.032040 0.028472 0.025894 0.022873 0.017642 42

33 0.088415 0.082699 0.056062 0.041302 0.040492 0.036417 0.031660 0.028232 0.025831 0.023237 0.017768 43

34 0.088717 0.081964 0.055536 0.041265 0.040006 0.036025 0.031601 0.028043 0.025719 0.023461 0.018369 44

35 0.089125 0.081197 0.054592 0.041260 0.039835 0.035698 0.031614 0.027992 0.025859 0.023695 0.019243 45

36 0.088946 0.080507 0.053840 0.040726 0.039518 0.035275 0.031513 0.027926 0.026202 0.024285 0.020431 46

37 0.088777 0.079777 0.052997 0.040013 0.038769 0.035020 0.031344 0.027747 0.026488 0.025031 0.021685 47

38 0.088886 0.078173 0.051576 0.038927 0.037717 0.034680 0.031236 0.027960 0.026675 0.025358 0.022308 48

39 0.089204 0.076253 0.049471 0.037789 0.037045 0.034227 0.031218 0.028545 0.027055 0.025665 0.022810 49

40 0.089006 0.074242 0.047492 0.036567 0.036414 0.034190 0.031235 0.029138 0.027877 0.026374 0.023930 50

41 0.088355 0.072017 0.045752 0.035587 0.035911 0.033666 0.031598 0.030088 0.029274 0.027879 0.025343 51

42 0.087305 0.069776 0.044690 0.035178 0.035277 0.033169 0.032097 0.031088 0.030966 0.030215 0.027095 52

43 0.086657 0.067899 0.043875 0.035264 0.035191 0.033191 0.032622 0.032064 0.032574 0.032345 0.028872 53

44 0.086564 0.066260 0.043496 0.035315 0.035498 0.033730 0.033178 0.033094 0.033911 0.033885 0.030932 54

45 0.087039 0.064487 0.042958 0.035665 0.036120 0.034576 0.033707 0.034190 0.035239 0.035447 0.032688 55

46 0.088594 0.063458 0.042535 0.036402 0.036657 0.035436 0.034818 0.035829 0.036793 0.037263 0.034418 56

47 0.089847 0.062883 0.042614 0.036925 0.037350 0.036439 0.036268 0.037512 0.038597 0.039389 0.036396 57

48 0.089618 0.061370 0.042544 0.037082 0.038429 0.037721 0.037992 0.039094 0.040252 0.041761 0.038999 58

49 0.087654 0.059344 0.042145 0.036831 0.039433 0.038742 0.039933 0.040265 0.041788 0.043819 0.041249 59

50 0.085444 0.057545 0.041658 0.036838 0.039872 0.040410 0.041658 0.041558 0.043405 0.045619 0.043419 60

51 0.088732 0.058076 0.042520 0.038287 0.040836 0.042232 0.043359 0.043637 0.045529 0.047834 0.046361 61

52 0.091712 0.058803 0.043260 0.039648 0.042206 0.044080 0.044612 0.045918 0.048181 0.049325 0.049084 62

53 0.092661 0.058620 0.043345 0.040599 0.043699 0.045758 0.046547 0.047931 0.050348 0.049009 0.045607 63

54 0.089688 0.057506 0.043155 0.041221 0.045029 0.047338 0.048589 0.049042 0.050299 0.046441 0.033750 64

55 0.085187 0.056269 0.042626 0.041970 0.046336 0.048467 0.049423 0.049144 0.047532 0.043780 — 65

56 0.086726 0.057250 0.044686 0.043978 0.048470 0.049585 0.049310 0.047200 0.044217 — — 66

57 0.088560 0.059108 0.047908 0.046662 0.049815 0.049557 0.046454 0.043859 — — — 67

58 0.091139 0.061693 0.050872 0.049157 0.049631 0.046368 0.042656 — — — — 68

59 0.092950 0.064305 0.052771 0.049890 0.045526 0.041570 — — — — — 69

60 0.096797 0.066905 0.053618 0.047840 0.039885 — — — — — — 70

61 0.109925 0.071874 0.052839 0.043336 — — — — — — — 71

62 0.122388 0.074350 0.049549 — — — — — — — — 72

63 0.128150 0.073014 — — — — — — — — — 73

64 0.120377 — — — — — — — — — — 74

q( ) τ
24

Notes:

(1) Probability of decrement in a multiple-decrement environment. Select age denotes age last birthday at entitlement.

(2) The quantity at duration t represents the probability of death or recovery during the (t+1) year of entitlement for those lives originally entitled to disability

benefits at select age [x] and who are currently attained age [x]+t.

(3) Probabilities are read across the row for durations 0-10, and down the ultimate column (“10+”) for durations greater than 10.

(4) The probabilities shown have been graduated using the Whittaker-Henderson Type B two-dimensional graduation methodology. See the appendix for details.

Table 9B.—DI Female Disabled Worker Probability of Death or Recovery

(1991-1995 Social Security disability experience)

Select

age

Duration of disability Attained

0 1 2 3 4 5 6 7 8 9 10+ age

20 0.021718 0.022571 0.020258 0.028350 0.050597 0.054008 0.046081 0.038700 0.029978 0.025664 0.021051 30

21 0.024014 0.024533 0.021027 0.027872 0.047402 0.049442 0.042249 0.035644 0.028379 0.024248 0.019852 31

22 0.026125 0.026489 0.021845 0.027612 0.044509 0.045132 0.038651 0.032865 0.026781 0.022839 0.018492 32

23 0.028126 0.028431 0.022762 0.027431 0.041979 0.041201 0.035486 0.030660 0.025335 0.021648 0.017147 33

24 0.029742 0.030112 0.023585 0.027326 0.039643 0.037895 0.033109 0.029006 0.024246 0.020920 0.016022 34

25 0.031242 0.031493 0.024047 0.026775 0.037594 0.035444 0.031220 0.028039 0.023647 0.020535 0.015412 35

26 0.032796 0.032693 0.024279 0.026139 0.035768 0.033699 0.029790 0.027275 0.023502 0.020390 0.015286 36

27 0.034495 0.033866 0.024617 0.025274 0.034185 0.032414 0.028761 0.026538 0.023590 0.020301 0.015271 37

28 0.036233 0.035136 0.024962 0.024530 0.032641 0.031332 0.028134 0.025962 0.023786 0.020275 0.015233 38

29 0.037977 0.036041 0.025189 0.024040 0.031210 0.030401 0.027539 0.025697 0.023993 0.020474 0.015515 39

30 0.039505 0.036643 0.025266 0.023656 0.030051 0.029654 0.026774 0.025681 0.023989 0.020649 0.016115 40

31 0.041028 0.037230 0.025512 0.023391 0.029239 0.029148 0.026058 0.025814 0.023653 0.020876 0.016376 41

32 0.042508 0.038004 0.025798 0.023006 0.028470 0.028988 0.025732 0.025673 0.023280 0.021151 0.016495 42

33 0.043497 0.038637 0.025976 0.022607 0.027667 0.028786 0.025478 0.025357 0.023250 0.021352 0.016844 43

34 0.044961 0.039150 0.026124 0.022541 0.026838 0.028473 0.025382 0.024859 0.023296 0.021439 0.017240 44

35 0.046672 0.039545 0.026317 0.022267 0.026232 0.028132 0.025408 0.024293 0.023052 0.021473 0.017312 45

36 0.047992 0.040393 0.026491 0.022065 0.026179 0.027703 0.025431 0.023763 0.022365 0.021453 0.017488 46

37 0.049220 0.041340 0.026830 0.022147 0.026533 0.027334 0.025236 0.023422 0.021703 0.021468 0.017956 47

38 0.051410 0.042130 0.027171 0.022312 0.026623 0.027108 0.025098 0.023336 0.021292 0.021324 0.018526 48

39 0.053361 0.042508 0.027580 0.022342 0.026569 0.026968 0.025312 0.023403 0.021281 0.021175 0.018598 49

40 0.055105 0.042856 0.027726 0.022279 0.026444 0.026865 0.025546 0.023544 0.021635 0.021184 0.018758 50

41 0.057005 0.043269 0.027594 0.022394 0.026475 0.026306 0.025550 0.023780 0.022393 0.021663 0.019157 51

42 0.059177 0.043607 0.027424 0.022636 0.026316 0.025590 0.025411 0.024103 0.023341 0.022576 0.019785 52

43 0.060686 0.044087 0.027413 0.022933 0.026193 0.024876 0.024939 0.024207 0.024145 0.023763 0.020878 53

44 0.062305 0.044649 0.027840 0.023333 0.026439 0.024914 0.024568 0.024321 0.025011 0.024735 0.022019 54

45 0.064157 0.045445 0.028419 0.023691 0.026777 0.025242 0.024431 0.024803 0.025827 0.025855 0.023069 55

46 0.065643 0.045802 0.028646 0.024109 0.026738 0.025862 0.024602 0.025520 0.026474 0.026807 0.023741 56

47 0.066688 0.045825 0.028888 0.024258 0.026356 0.026375 0.025108 0.026273 0.027151 0.027607 0.024640 57

48 0.066993 0.045204 0.028942 0.024709 0.026097 0.026743 0.025879 0.026678 0.027750 0.028440 0.025981 58

49 0.066292 0.044203 0.029133 0.025218 0.026117 0.026903 0.026577 0.027285 0.028406 0.029168 0.027505 59

50 0.065222 0.043745 0.029378 0.025517 0.026554 0.027202 0.027290 0.027984 0.029130 0.029946 0.028883 60

51 0.067237 0.044754 0.029985 0.026516 0.027236 0.028145 0.028551 0.029112 0.030483 0.030992 0.030052 61

52 0.069077 0.045933 0.030844 0.027758 0.028698 0.029708 0.030275 0.030717 0.032009 0.031841 0.030781 62

53 0.070093 0.046137 0.031905 0.028715 0.030365 0.031146 0.031904 0.032197 0.033166 0.031584 0.028827 63

54 0.068631 0.045661 0.032276 0.029598 0.031816 0.032576 0.032864 0.032781 0.032775 0.030447 0.022952 64

55 0.067472 0.045369 0.033245 0.030643 0.032986 0.033574 0.033324 0.032374 0.031227 0.029708 — 65

56 0.068936 0.046680 0.035263 0.032392 0.034320 0.034033 0.032930 0.030858 0.029988 — — 66

57 0.071001 0.048720 0.037780 0.034675 0.035040 0.033656 0.031423 0.029540 — — — 67

58 0.073645 0.050948 0.039457 0.036245 0.034823 0.031961 0.029999 — — — — 68

59 0.076892 0.053585 0.041117 0.036481 0.033249 0.030362 — — — — — 69

60 0.081156 0.056412 0.042103 0.035101 0.031210 — — — — — — 70

61 0.088398 0.060095 0.042150 0.033608 — — — — — — — 71

62 0.093441 0.061923 0.041426 — — — — — — — — 72

63 0.095465 0.062488 — — — — — — — — — 73

64 0.092417 — — — — — — — — — — 74

q( ) τ
25

Notes:

(1) Select-and-ultimate life functions reflect termination due to death only. Select age denotes age last birthday at entitlement.

(2) The quantity at duration 0 represents the assumed number of lives originally entitled to disability benefits at select age [x]; the quantity at

duration t represents the number of lives remaining from the original lives as of attained age [x]+t.

(3) Life functions are read across the row for durations 0-10, and down the ultimate column (“10+”) for durations greater than 10.

(4) Values shown are based on the blended probabilities found in appendix table A.1A. See the appendix for details.

(5) See table 10C for attained ages beyond age 74.

Table 10A.—DI Male Disabled Worker Life Table,

Survivorship Reflects Termination Due to Death Only

(1991-1995 Social Security disability experience)

Select

age

Duration of disability Attained

0 1 2 3 4 5 6 7 8 9 10+ age

20 100,000 98,211 96,866 95,890 95,150 94,540 93,950 93,326 92,636 91,922 91,228 30

21 100,867 98,709 97,059 95,847 94,921 94,161 93,453 92,749 91,996 91,245 90,510 31

22 101,802 99,227 97,217 95,729 94,617 93,712 92,895 92,115 91,302 90,509 89,734 32

23 102,961 99,883 97,397 95,576 94,254 93,211 92,302 91,438 90,576 89,732 88,925 33

24 104,511 100,763 97,674 95,444 93,887 92,698 91,693 90,757 89,850 88,944 88,099 34

25 106,389 101,788 97,958 95,257 93,436 92,112 91,027 90,047 89,094 88,136 87,250 35

26 108,288 102,744 98,152 94,978 92,907 91,471 90,318 89,285 88,288 87,299 86,381 36

27 109,974 103,471 98,232 94,651 92,362 90,801 89,584 88,509 87,481 86,468 85,512 37

28 111,197 103,895 98,142 94,264 91,809 90,136 88,844 87,733 86,673 85,634 84,635 38

29 111,934 104,038 97,924 93,811 91,260 89,491 88,118 86,956 85,851 84,774 83,732 39

30 112,114 103,850 97,508 93,287 90,654 88,821 87,383 86,155 85,004 83,875 82,789 40

31 111,656 103,229 96,878 92,630 89,937 88,055 86,582 85,296 84,092 82,908 81,775 41

32 111,047 102,487 96,144 91,893 89,175 87,279 85,773 84,420 83,145 81,893 80,693 42

33 110,208 101,631 95,327 91,108 88,366 86,439 84,869 83,454 82,114 80,817 79,554 43

34 109,153 100,602 94,398 90,245 87,481 85,507 83,895 82,422 81,033 79,696 78,385 44

35 108,099 99,540 93,432 89,371 86,579 84,548 82,886 81,366 79,919 78,525 77,164 45

36 106,881 98,389 92,371 88,375 85,622 83,544 81,828 80,260 78,766 77,309 75,886 46

37 105,500 97,105 91,166 87,238 84,546 82,461 80,688 79,056 77,526 76,025 74,539 47

38 103,799 95,505 89,744 85,941 83,329 81,259 79,445 77,746 76,169 74,632 73,106 48

39 101,969 93,756 88,223 84,637 82,094 80,030 78,190 76,437 74,795 73,209 71,637 49

40 100,126 92,034 86,724 83,344 80,875 78,825 76,940 75,145 73,443 71,781 70,145 50

41 98,353 90,420 85,317 82,100 79,699 77,645 75,751 73,901 72,107 70,333 68,592 51

42 96,632 88,894 83,983 80,860 78,494 76,454 74,544 72,629 70,741 68,846 66,964 52

43 94,914 87,334 82,602 79,557 77,198 75,132 73,178 71,207 69,247 67,244 65,250 53

44 93,138 85,683 81,121 78,118 75,772 73,654 71,638 69,616 67,594 65,511 63,456 54

45 91,280 83,910 79,536 76,584 74,216 72,047 69,965 67,909 65,830 63,681 61,574 55

46 89,610 82,216 77,954 75,041 72,617 70,418 68,285 66,172 64,004 61,789 59,622 56

47 87,996 80,586 76,361 73,451 70,997 68,764 66,574 64,394 62,143 59,862 57,621 57

48 86,085 78,797 74,656 71,774 69,331 67,041 64,780 62,525 60,214 57,891 55,569 58

49 83,597 76,615 72,630 69,820 67,435 65,109 62,815 60,480 58,153 55,811 53,440 59

50 80,925 74,289 70,472 67,747 65,408 63,089 60,741 58,351 56,018 53,660 51,268 60

51 79,170 72,391 68,568 65,825 63,435 61,100 58,696 56,264 53,887 51,493 49,070 61

52 77,161 70,297 66,477 63,734 61,315 58,956 56,510 54,079 51,658 49,216 46,817 62

53 74,756 67,999 64,254 61,569 59,162 56,778 54,307 51,855 49,417 46,963 44,560 63

54 71,750 65,437 61,850 59,256 56,896 54,506 52,026 49,562 47,168 44,708 42,304 64

55 68,492 62,743 59,340 56,866 54,553 52,172 49,721 47,310 44,910 42,450 40,054 65

56 66,183 60,514 57,151 54,641 52,302 49,886 47,472 45,055 42,655 40,201 37,817 66

57 64,007 58,403 55,035 52,435 50,042 47,639 45,218 42,800 40,405 37,964 35,599 67

58 61,873 56,288 52,884 50,223 47,794 45,383 42,960 40,547 38,164 35,742 33,406 68

59 59,545 54,051 50,626 47,976 45,539 43,127 40,709 38,308 35,944 33,549 31,245 69

60 57,329 51,814 48,383 45,723 43,284 40,876 38,469 36,086 33,747 31,385 29,122 70

61 55,672 49,580 46,132 43,468 41,033 38,636 36,247 33,889 31,582 29,261 27,044 71

62 53,480 47,334 43,877 41,216 38,791 36,411 34,046 31,720 29,452 27,179 25,017 72

63 51,272 45,084 41,625 38,974 36,566 34,210 31,877 29,589 27,368 25,149 23,048 73

64 49,052 42,834 39,383 36,749 34,364 32,038 29,743 27,501 25,333 23,176 21,143 74

lx

l[ ] x l[ ] x + t

l[ ] x
26

Notes:

(1) Select-and-ultimate life functions reflect termination due to death only. Select age denotes age last birthday at entitlement.

(2) The quantity at duration 0 represents the assumed number of lives originally entitled to disability benefits at select age [x]; the quantity at

duration t represents the number of lives remaining from the original lives as of attained age [x]+t.

(3) Life functions are read across the row for durations 0-10, and down the ultimate column (“10+”) for durations greater than 10.

(4) Values shown are based on the blended probabilities found in appendix table A.1B. See the appendix for details.

(5) See table 10C for attained ages beyond age 74.

Table 10B.—DI Female Disabled Worker Life Table,

Survivorship Reflects Termination Due to Death Only

(1991-1995 Social Security disability experience)

Select

age

Duration of disability Attained

0 1 2 3 4 5 6 7 8 9 10+ age

20 100,000 98,380 97,151 96,257 95,564 94,889 94,155 93,373 92,651 91,979 91,339 30

21 99,753 97,911 96,565 95,608 94,879 94,178 93,451 92,705 92,001 91,330 90,665 31

22 99,491 97,450 95,979 94,953 94,177 93,450 92,725 92,013 91,322 90,644 89,959 32

23 99,254 97,032 95,435 94,325 93,486 92,738 92,017 91,321 90,635 89,945 89,248 33

24 99,063 96,696 94,982 93,772 92,856 92,091 91,372 90,668 89,976 89,265 88,552 34

25 98,902 96,406 94,591 93,302 92,323 91,526 90,793 90,068 89,345 88,606 87,870 35

26 98,757 96,132 94,218 92,863 91,830 90,999 90,235 89,477 88,713 87,945 87,178 36

27 98,540 95,770 93,766 92,356 91,302 90,435 89,635 88,847 88,048 87,246 86,452 37

28 98,244 95,322 93,243 91,797 90,730 89,838 89,013 88,187 87,363 86,524 85,698 38

29 97,884 94,803 92,678 91,219 90,133 89,225 88,377 87,522 86,668 85,789 84,924 39

30 97,397 94,178 92,030 90,575 89,477 88,544 87,675 86,802 85,922 85,011 84,116 40

31 96,889 93,536 91,340 89,870 88,759 87,785 86,889 86,004 85,102 84,176 83,251 41

32 96,357 92,874 90,605 89,106 87,985 86,985 86,051 85,158 84,241 83,305 82,344 42

33 95,660 92,100 89,774 88,257 87,128 86,121 85,168 84,278 83,355 82,397 81,403 43

34 94,958 91,278 88,905 87,371 86,217 85,209 84,249 83,348 82,412 81,430 80,415 44

35 94,171 90,374 87,990 86,442 85,284 84,277 83,297 82,365 81,411 80,418 79,388 45

36 93,427 89,534 87,101 85,537 84,369 83,337 82,338 81,359 80,386 79,386 78,349 46

37 92,822 88,816 86,307 84,714 83,512 82,436 81,400 80,372 79,371 78,352 77,293 47

38 92,294 88,096 85,513 83,886 82,649 81,538 80,452 79,375 78,325 77,277 76,195 48

39 91,740 87,385 84,762 83,082 81,811 80,657 79,513 78,366 77,255 76,165 75,049 49

40 91,157 86,666 84,002 82,290 80,994 79,795 78,589 77,377 76,207 75,051 73,889 50

41 90,562 85,921 83,201 81,475 80,151 78,910 77,675 76,421 75,187 73,944 72,710 51

42 89,951 85,130 82,352 80,610 79,257 77,992 76,744 75,458 74,158 72,819 71,496 52

43 89,202 84,269 81,427 79,659 78,275 76,980 75,723 74,420 73,073 71,655 70,237 53

44 88,511 83,451 80,535 78,715 77,284 75,924 74,613 73,278 71,886 70,391 68,902 54

45 87,834 82,618 79,609 77,745 76,266 74,836 73,460 72,084 70,626 69,063 67,498 55

46 86,965 81,632 78,575 76,683 75,164 73,692 72,243 70,811 69,279 67,665 66,038 56

47 85,923 80,520 77,440 75,510 73,974 72,492 70,984 69,484 67,890 66,228 64,554 57

48 84,645 79,253 76,199 74,253 72,680 71,181 69,630 68,065 66,442 64,748 63,031 58

49 83,127 77,852 74,853 72,896 71,284 69,762 68,185 66,577 64,917 63,197 61,447 59

50 81,493 76,380 73,409 71,450 69,816 68,257 66,658 65,015 63,319 61,574 59,800 60

51 80,404 75,181 72,128 70,137 68,434 66,840 65,185 63,471 61,717 59,916 58,110 61

52 79,423 74,098 70,958 68,909 67,127 65,454 63,709 61,901 60,072 58,211 56,393 62

53 78,177 72,832 69,685 67,569 65,744 63,983 62,157 60,272 58,389 56,496 54,627 63

54 76,407 71,269 68,177 66,059 64,204 62,366 60,466 58,555 56,682 54,734 52,814 64

55 74,624 69,677 66,639 64,486 62,592 60,692 58,754 56,851 54,923 52,922 50,955 65

56 73,230 68,264 65,178 62,926 60,952 58,991 57,059 55,100 53,119 51,068 49,054 66

57 71,928 66,903 63,730 61,355 59,277 57,303 55,313 53,300 51,268 49,169 47,114 67

58 70,532 65,414 62,154 59,725 57,597 55,564 53,518 51,453 49,374 47,231 45,139 68

59 69,154 63,898 60,533 58,061 55,868 53,777 51,678 49,565 47,442 45,260 43,133 69

60 67,830 62,371 58,895 56,345 54,089 51,943 49,794 47,635 45,472 43,254 41,101 70

61 66,654 60,798 57,206 54,580 52,263 50,065 47,869 45,669 43,471 41,224 39,048 71

62 65,253 59,176 55,470 52,771 50,396 48,149 45,910 43,673 41,444 39,173 36,981 72

63 63,799 57,500 53,682 50,913 48,484 46,193 43,916 41,648 39,395 37,106 34,905 73

64 62,297 55,777 51,851 49,016 46,537 44,205 41,895 39,601 37,330 35,031 32,828 74

lx

l[ ] x l[ ] x + t

l[ ] x
27

Notes:

(1) Life functions reflect termination due to death only, as of attained age 75 or older.

(2) Values shown are based on the blended probabilities found in appendix table A.1C. See the appendix for

details.

Table 10C.—DI Disabled Worker Life Table,

Survivorship Reflects Termination Due to Death Only

for Older Attained Ages

(1991-1995 Social Security disability experience)

Attained

age Male Female

75 19,308 30,757

76 17,548 28,700

77 15,868 26,666

78 14,272 24,662

79 12,765 22,697

80 11,349 20,780

81 10,027 18,920

82 8,800 17,124

83 7,669 15,401

84 6,634 13,758

85 5,694 12,202

86 4,847 10,739

87 4,089 9,374

88 3,418 8,111

89 2,829 6,953

90 2,317 5,901

91 1,876 4,954

92 1,491 4,111

93 1,161 3,370

94 884 2,726

95 658 2,174

96 478 1,696

97 339 1,293

98 235 964

99 159 702

100 105 500

101 67 347

102 42 235

103 25 154

104 15 98

105 8 60

106 4 35

107 2 20

108 1 11

109 0 6

lx
28

Notes:

(1) Select-and-ultimate life functions reflect termination due to death or recovery. Select age denotes age last birthday at entitlement.

(2) The quantity at duration 0 represents the assumed number of lives originally entitled to disability benefits at select age [x]; the quantity at

duration t represents the number of lives remaining from the original lives as of attained age [x]+t.

(3) Life functions are read across the row for durations 0-10, and down the ultimate column (“10+”) for durations greater than 10.

(4) Values shown are based on the blended probabilities found in appendix table A.2A. See the appendix for details.

(5) See table 11C for attained ages beyond age 74.

Table 11A.—DI Male Disabled Worker Life Table,

Survivorship Reflects Termination Due to Death or Recovery

(1991-1995 Social Security disability experience)

Select

age

Duration of disability Attained

0 1 2 3 4 5 6 7 8 9 10+ age

20 100,000 97,256 94,425 92,273 89,326 84,335 79,451 75,522 72,428 69,950 67,936 30

21 96,785 93,753 90,716 88,449 85,584 80,965 76,506 72,967 70,141 67,911 66,072 31

22 94,151 90,810 87,517 85,099 82,292 78,006 73,928 70,724 68,145 66,132 64,442 32

23 92,295 88,591 84,926 82,300 79,500 75,488 71,748 68,798 66,437 64,585 63,029 33

24 91,316 87,122 82,961 80,045 77,214 73,409 69,952 67,196 65,000 63,250 61,785 34

25 90,999 86,159 81,388 78,126 75,220 71,603 68,396 65,819 63,739 62,047 60,645 35

26 90,915 85,361 79,980 76,389 73,421 70,003 67,005 64,572 62,572 60,928 59,576 36

27 90,746 84,495 78,628 74,792 71,800 68,550 65,725 63,427 61,499 59,894 58,573 37

28 90,352 83,544 77,304 73,309 70,323 67,226 64,542 62,350 60,487 58,927 57,624 38

29 89,724 82,518 76,025 71,914 68,972 66,000 63,444 61,323 59,510 57,990 56,702 39

30 88,795 81,371 74,746 70,603 67,694 64,829 62,378 60,315 58,555 57,064 55,789 40

31 87,490 79,994 73,411 69,299 66,421 63,648 61,291 59,301 57,593 56,122 54,861 41

32 86,112 78,566 72,056 68,004 65,186 62,510 60,230 58,300 56,640 55,173 53,912 42

33 84,542 77,067 70,694 66,731 63,975 61,385 59,150 57,277 55,660 54,222 52,961 43

34 82,864 75,513 69,324 65,474 62,772 60,261 58,090 56,254 54,676 53,270 52,020 44

35 81,214 73,976 67,969 64,258 61,607 59,153 57,041 55,238 53,692 52,304 51,064 45

36 79,469 72,401 66,572 62,988 60,423 58,035 55,988 54,224 52,710 51,329 50,081 46

37 77,615 70,725 65,083 61,634 59,168 56,874 54,882 53,162 51,687 50,318 49,058 47

38 75,549 68,834 63,453 60,180 57,837 55,656 53,726 52,048 50,593 49,243 47,994 48

39 73,494 66,938 61,834 58,775 56,554 54,459 52,595 50,953 49,499 48,160 46,923 49

40 71,514 65,149 60,312 57,448 55,347 53,332 51,509 49,900 48,446 47,095 45,853 50

41 69,616 63,465 58,894 56,199 54,199 52,253 50,494 48,898 47,427 46,039 44,756 51

42 67,814 61,893 57,574 55,001 53,066 51,194 49,496 47,907 46,418 44,981 43,622 52

43 66,099 60,371 56,272 53,803 51,906 50,079 48,417 46,838 45,336 43,859 42,440 53

44 64,402 58,827 54,929 52,540 50,685 48,886 47,237 45,670 44,159 42,662 41,215 54

45 62,699 57,242 53,551 51,251 49,423 47,638 45,991 44,441 42,922 41,409 39,940 55

46 61,180 55,760 52,222 50,001 48,181 46,415 44,770 43,211 41,663 40,130 38,634 56

47 59,696 54,332 50,915 48,745 46,945 45,192 43,545 41,966 40,392 38,833 37,304 57

48 58,003 52,805 49,564 47,455 45,695 43,939 42,282 40,676 39,086 37,513 35,946 58

49 55,970 51,064 48,034 46,010 44,315 42,568 40,919 39,285 37,703 36,127 34,544 59

50 53,881 49,277 46,441 44,506 42,866 41,157 39,494 37,849 36,276 34,701 33,119 60

51 52,476 47,820 45,043 43,128 41,477 39,783 38,103 36,451 34,860 33,273 31,681 61

52 50,934 46,263 43,543 41,659 40,007 38,318 36,629 34,995 33,388 31,779 30,212 62

53 49,147 44,593 41,979 40,159 38,529 36,845 35,159 33,522 31,915 30,308 28,745 63

54 46,993 42,778 40,318 38,578 36,988 35,322 33,650 32,015 30,445 28,843 27,284 64

55 44,718 40,909 38,607 36,961 35,410 33,769 32,132 30,544 28,976 27,380 25,830 65

56 43,104 39,366 37,112 35,454 33,895 32,252 30,653 29,073 27,512 25,925 24,387 66

57 41,604 37,920 35,679 33,970 32,385 30,772 29,180 27,609 26,057 24,483 22,957 67

58 40,137 36,479 34,229 32,488 30,891 29,294 27,710 26,148 24,612 23,050 21,543 68

59 38,557 34,973 32,724 30,997 29,405 27,825 26,252 24,703 23,179 21,634 20,149 69

60 37,065 33,477 31,237 29,510 27,926 26,360 24,808 23,271 21,763 20,240 18,780 70

61 35,954 32,002 29,762 28,037 26,461 24,915 23,374 21,853 20,366 18,869 17,440 71

62 34,524 30,542 28,301 26,580 25,016 23,481 21,956 20,456 18,994 17,528 16,133 72

63 33,091 29,084 26,844 25,135 23,582 22,062 20,557 19,082 17,649 16,218 14,863 73

64 31,646 27,621 25,396 23,697 22,159 20,659 19,179 17,734 16,336 14,945 13,634 74

lx

l[ ] x l[ ] x + t

l[ ] x
29

Notes:

(1) Select-and-ultimate life functions reflect termination due to death or recovery. Select age denotes age last birthday at entitlement.

(2) The quantity at duration 0 represents the assumed number of lives originally entitled to disability benefits at select age [x]; the quantity at

duration t represents the number of lives remaining from the original lives as of attained age [x]+t.

(3) Life functions are read across the row for durations 0-10, and down the ultimate column (“10+”) for durations greater than 10.

(4) Values shown are based on the blended probabilities found in appendix table A.2B. See the appendix for details.

(5) See table 11C for attained ages beyond age 74.

Table 11B.—DI Female Disabled Worker Life Table,

Survivorship Reflects Termination Due to Death or Recovery

(1991-1995 Social Security disability experience)

Select

age

Duration of disability Attained

0 1 2 3 4 5 6 7 8 9 10+ age

20 100,000 97,828 95,620 93,683 91,027 86,421 81,754 77,987 74,969 72,722 70,856 30

21 96,554 94,235 91,923 89,990 87,482 83,335 79,215 75,868 73,164 71,088 69,364 31

22 93,459 91,017 88,606 86,670 84,277 80,526 76,892 73,920 71,491 69,576 67,987 32

23 90,799 88,245 85,736 83,784 81,486 78,065 74,849 72,193 69,980 68,207 66,730 33

24 88,551 85,917 83,330 81,365 79,142 76,005 73,125 70,704 68,653 66,988 65,586 34

25 86,632 83,925 81,282 79,327 77,203 74,301 71,667 69,430 67,483 65,887 64,535 35

26 84,970 82,183 79,496 77,566 75,539 72,837 70,382 68,285 66,423 64,862 63,540 36

27 83,475 80,596 77,867 75,950 74,030 71,499 69,181 67,191 65,408 63,865 62,569 37

28 82,113 79,138 76,357 74,451 72,625 70,254 68,053 66,138 64,421 62,889 61,614 38

29 80,827 77,757 74,955 73,067 71,310 69,084 66,984 65,139 63,465 61,942 60,675 39

30 79,518 76,377 73,578 71,719 70,022 67,918 65,904 64,139 62,492 60,993 59,734 40

31 78,245 75,035 72,241 70,398 68,751 66,741 64,796 63,108 61,479 60,025 58,771 41

32 77,019 73,745 70,942 69,112 67,522 65,600 63,698 62,059 60,466 59,058 57,809 42

33 75,749 72,454 69,655 67,846 66,312 64,477 62,621 61,026 59,479 58,096 56,855 43

34 74,510 71,160 68,374 66,588 65,087 63,340 61,537 59,975 58,484 57,122 55,897 44

35 73,253 69,834 67,072 65,307 63,853 62,178 60,429 58,894 57,463 56,138 54,933 45

36 72,021 68,565 65,795 64,052 62,639 60,999 59,309 57,801 56,427 55,165 53,982 46

37 70,867 67,379 64,594 62,861 61,469 59,838 58,202 56,733 55,404 54,202 53,038 47

38 69,784 66,196 63,407 61,684 60,308 58,702 57,111 55,678 54,379 53,221 52,086 48

39 68,685 65,020 62,256 60,539 59,186 57,613 56,059 54,640 53,361 52,225 51,121 49

40 67,597 63,872 61,135 59,440 58,116 56,579 55,059 53,652 52,389 51,256 50,170 50

41 66,555 62,761 60,045 58,388 57,080 55,569 54,107 52,725 51,471 50,318 49,229 51

42 65,537 61,659 58,970 57,353 56,055 54,580 53,183 51,832 50,583 49,402 48,286 52

43 64,447 60,536 57,867 56,281 54,990 53,550 52,218 50,916 49,683 48,483 47,331 53

44 63,422 59,470 56,815 55,233 53,944 52,518 51,210 49,952 48,737 47,518 46,343 54

45 62,450 58,443 55,787 54,202 52,918 51,501 50,201 48,975 47,760 46,527 45,323 55

46 61,362 57,334 54,708 53,141 51,860 50,473 49,168 47,958 46,734 45,497 44,277 56

47 60,175 56,162 53,588 52,040 50,778 49,440 48,136 46,927 45,694 44,453 43,226 57

48 58,868 54,924 52,441 50,923 49,665 48,369 47,075 45,857 44,634 43,395 42,161 58

49 57,446 53,638 51,267 49,773 48,518 47,251 45,980 44,758 43,537 42,300 41,066 59

50 56,016 52,363 50,072 48,601 47,361 46,103 44,849 43,625 42,404 41,169 39,936 60

51 55,026 51,326 49,029 47,559 46,298 45,037 43,769 42,519 41,281 40,023 38,783 61

52 54,144 50,404 48,089 46,606 45,312 44,012 42,704 41,411 40,139 38,854 37,617 62

53 53,104 49,382 47,104 45,601 44,292 42,947 41,609 40,282 38,985 37,692 36,428 63

54 51,719 48,169 45,970 44,486 43,169 41,796 40,434 39,105 37,823 36,504 35,213 64

55 50,352 46,955 44,825 43,335 42,007 40,621 39,257 37,949 36,639 35,292 33,971 65

56 49,285 45,887 43,745 42,202 40,835 39,434 38,092 36,759 35,421 34,046 32,704 66

57 48,313 44,883 42,696 41,083 39,658 38,268 36,904 35,544 34,178 32,779 31,411 67

58 47,289 43,806 41,574 39,934 38,487 37,079 35,692 34,305 32,919 31,490 30,094 68

59 46,288 42,729 40,439 38,776 37,294 35,867 34,454 33,045 31,630 30,175 28,757 69

60 45,334 41,655 39,305 37,596 36,079 34,631 33,198 31,759 30,317 28,839 27,402 70

61 44,501 40,567 38,152 36,396 34,844 33,379 31,915 30,448 28,982 27,484 26,033 71

62 43,547 39,470 36,985 35,182 33,599 32,101 30,608 29,117 27,631 26,117 24,655 72

63 42,570 38,345 35,789 33,943 32,324 30,796 29,278 27,766 26,264 24,738 23,271 73

64 41,558 37,186 34,569 32,679 31,026 29,472 27,932 26,403 24,889 23,356 21,886 74

lx

l[ ] x l[ ] x + t

l[ ] x
30

Notes:

(1) Life functions reflect termination due to death or recovery, as of attained age 75 or older.

(2) Values shown are based on the blended probabilities found in appendix table A.1C. See the appendix for

details.

Table 11C.—DI Disabled Worker Life Table,

Survivorship Reflects Termination Due to Death or Recovery

for Older Attained Ages

(1991-1995 Social Security disability experience)

Attained

age Male Female

75 12,450 20,505

76 11,315 19,134

77 10,232 17,778

78 9,203 16,442

79 8,231 15,132

80 7,318 13,854

81 6,466 12,614

82 5,675 11,417

83 4,946 10,268

84 4,279 9,173

85 3,673 8,136

86 3,126 7,161

87 2,637 6,251

88 2,204 5,409

89 1,824 4,637

90 1,494 3,935

91 1,210 3,304

92 961 2,742

93 748 2,248

94 570 1,818

95 424 1,450

96 308 1,131

97 218 862

98 151 642

99 102 468

100 67 333

101 43 231

102 27 156

103 16 102

104 9 65

105 5 40

106 3 24

107 2 14

108 1 8

109 0 4

lx
31

Notes:

(1) Average future lifetime as of attained age [x]+t, expressed in years. Values are based on survivorship experience found in table 10A.

(2) Values are read across the row for durations 0-10, and down the ultimate column (“10+”) for durations greater than 10.

(3) See table 12C for attained ages beyond age 74.

Table 12A.—DI Male Disabled Worker Expected Future Lifetime

(1991-1995 Social Security disability experience)

Select

age

Duration of disability Attained

0 1 2 3 4 5 6 7 8 9 10+ age

20 38.69 38.38 37.91 37.29 36.58 35.81 35.03 34.26 33.51 32.77 32.01 30

21 37.43 37.24 36.86 36.32 35.67 34.96 34.22 33.47 32.74 32.01 31.26 31

22 36.18 36.10 35.84 35.39 34.80 34.13 33.42 32.70 31.99 31.27 30.53 32

23 34.87 34.93 34.81 34.47 33.94 33.32 32.64 31.94 31.24 30.53 29.80 33

24 33.49 33.71 33.77 33.54 33.09 32.51 31.86 31.18 30.49 29.80 29.08 34

25 32.05 32.48 32.73 32.64 32.27 31.72 31.10 30.43 29.75 29.07 28.36 35

26 30.66 31.29 31.73 31.77 31.47 30.95 30.34 29.69 29.02 28.34 27.64 36

27 29.38 30.19 30.78 30.92 30.67 30.19 29.60 28.95 28.28 27.61 26.91 37

28 28.25 29.20 29.88 30.09 29.88 29.43 28.85 28.21 27.55 26.88 26.19 38

29 27.27 28.30 29.03 29.29 29.09 28.66 28.09 27.46 26.81 26.14 25.46 39

30 26.43 27.49 28.25 28.50 28.31 27.89 27.34 26.72 26.08 25.42 24.75 40

31 25.73 26.79 27.51 27.75 27.57 27.15 26.60 25.99 25.36 24.71 24.05 41

32 25.07 26.12 26.81 27.02 26.83 26.40 25.86 25.27 24.65 24.01 23.36 42

33 24.45 25.47 26.12 26.31 26.11 25.68 25.14 24.56 23.95 23.33 22.69 43

34 23.87 24.85 25.46 25.60 25.40 24.97 24.44 23.87 23.27 22.65 22.02 44

35 23.29 24.25 24.80 24.90 24.69 24.27 23.75 23.18 22.59 21.98 21.36 45

36 22.73 23.65 24.16 24.23 23.99 23.58 23.06 22.50 21.92 21.32 20.71 46

37 22.20 23.08 23.55 23.59 23.33 22.90 22.39 21.85 21.27 20.68 20.08 47

38 21.73 22.57 22.99 22.98 22.69 22.25 21.75 21.21 20.64 20.06 19.46 48

39 21.27 22.09 22.44 22.37 22.05 21.60 21.10 20.57 20.01 19.44 18.85 49

40 20.81 21.60 21.89 21.76 21.41 20.95 20.45 19.93 19.38 18.82 18.24 50

41 20.35 21.09 21.32 21.13 20.76 20.29 19.79 19.27 18.74 18.20 17.64 51

42 19.87 20.55 20.73 20.51 20.11 19.63 19.12 18.61 18.10 17.58 17.06 52

43 19.38 20.02 20.13 19.89 19.48 19.00 18.49 17.99 17.49 16.99 16.50 53

44 18.89 19.49 19.55 19.29 18.87 18.40 17.90 17.41 16.91 16.43 15.95 54

45 18.40 18.97 18.99 18.70 18.28 17.82 17.33 16.84 16.36 15.89 15.42 55

46 17.88 18.44 18.42 18.12 17.71 17.24 16.77 16.29 15.82 15.37 14.91 56

47 17.34 17.89 17.86 17.54 17.13 16.67 16.20 15.74 15.29 14.85 14.41 57

48 16.86 17.38 17.31 16.99 16.57 16.12 15.66 15.21 14.77 14.35 13.92 58

49 16.47 16.92 16.82 16.48 16.05 15.60 15.15 14.72 14.29 13.87 13.46 59

50 16.10 16.49 16.36 16.00 15.55 15.10 14.67 14.25 13.82 13.41 13.01 60

51 15.57 15.98 15.84 15.48 15.05 14.60 14.18 13.77 13.36 12.95 12.57 61

52 15.07 15.50 15.36 15.00 14.57 14.13 13.72 13.32 12.92 12.53 12.15 62

53 14.65 15.05 14.90 14.53 14.10 13.67 13.27 12.88 12.49 12.11 11.74 63

54 14.33 14.66 14.48 14.10 13.66 13.24 12.84 12.46 12.06 11.70 11.34 64

55 14.06 14.30 14.09 13.68 13.24 12.82 12.43 12.04 11.65 11.30 10.95 65

56 13.62 13.85 13.63 13.24 12.81 12.40 12.01 11.63 11.25 10.91 10.56 66

57 13.16 13.38 13.17 12.79 12.38 11.98 11.60 11.22 10.86 10.53 10.19 67

58 12.70 12.91 12.71 12.36 11.96 11.57 11.20 10.83 10.48 10.15 9.83 68

59 12.28 12.48 12.29 11.94 11.55 11.17 10.80 10.45 10.10 9.79 9.47 69

60 11.84 12.05 11.87 11.53 11.15 10.78 10.42 10.07 9.74 9.43 9.13 70

61 11.30 11.62 11.45 11.13 10.76 10.39 10.04 9.71 9.38 9.09 8.79 71

62 10.86 11.21 11.05 10.73 10.37 10.02 9.68 9.35 9.03 8.75 8.46 72

63 10.44 10.80 10.66 10.35 10.00 9.65 9.32 9.01 8.70 8.42 8.14 73

64 10.03 10.41 10.28 9.98 9.64 9.30 8.98 8.67 8.37 8.10 7.83 74
32

Notes:

(1) Average future lifetime as of attained age [x]+t, expressed in years. Values are based on survivorship experience found in table 10B.

(2) Values are read across the row for durations 0-10, and down the ultimate column (“10+”) for durations greater than 10.

(3) See table 12C for attained ages beyond age 74.

Table 12B.—DI Female Disabled Worker Expected Future Lifetime

(1991-1995 Social Security disability experience)

Select

age

Duration of disability Attained

0 1 2 3 4 5 6 7 8 9 10+ age

20 42.62 42.31 41.84 41.23 40.52 39.81 39.11 38.44 37.73 37.01 36.26 30

21 41.75 41.53 41.10 40.51 39.81 39.11 38.41 37.71 37.00 36.26 35.53 31

22 40.89 40.74 40.35 39.78 39.11 38.41 37.70 36.99 36.27 35.53 34.80 32

23 40.02 39.93 39.59 39.05 38.39 37.70 36.99 36.27 35.54 34.81 34.07 33

24 39.14 39.09 38.79 38.28 37.65 36.96 36.25 35.53 34.80 34.07 33.34 34

25 38.26 38.24 37.97 37.48 36.88 36.19 35.48 34.76 34.04 33.32 32.59 35

26 37.38 37.39 37.14 36.67 36.08 35.41 34.70 33.99 33.28 32.57 31.85 36

27 36.53 36.57 36.34 35.89 35.30 34.63 33.94 33.23 32.53 31.82 31.11 37

28 35.70 35.78 35.57 35.12 34.53 33.87 33.18 32.48 31.78 31.09 30.38 38

29 34.90 35.02 34.81 34.36 33.77 33.10 32.42 31.73 31.04 30.35 29.65 39

30 34.14 34.29 34.07 33.61 33.02 32.36 31.68 30.99 30.30 29.62 28.93 40

31 33.37 33.55 33.35 32.88 32.29 31.64 30.96 30.28 29.59 28.91 28.23 41

32 32.62 32.82 32.63 32.17 31.58 30.93 30.26 29.58 28.89 28.21 27.53 42

33 31.91 32.12 31.94 31.48 30.89 30.24 29.57 28.88 28.19 27.52 26.85 43

34 31.20 31.44 31.26 30.80 30.21 29.56 28.89 28.20 27.51 26.84 26.17 44

35 30.51 30.77 30.59 30.13 29.53 28.88 28.21 27.53 26.84 26.17 25.50 45

36 29.81 30.08 29.91 29.45 28.85 28.20 27.54 26.86 26.18 25.50 24.83 46

37 29.07 29.36 29.20 28.74 28.14 27.50 26.85 26.18 25.51 24.83 24.17 47

38 28.31 28.63 28.48 28.02 27.44 26.80 26.16 25.51 24.84 24.17 23.51 48

39 27.56 27.90 27.75 27.30 26.72 26.09 25.46 24.83 24.18 23.52 22.86 49

40 26.82 27.18 27.03 26.58 26.00 25.38 24.76 24.14 23.50 22.86 22.21 50

41 26.08 26.47 26.32 25.86 25.28 24.67 24.06 23.44 22.82 22.19 21.56 51

42 25.36 25.76 25.62 25.16 24.58 23.97 23.35 22.74 22.13 21.53 20.92 52

43 24.66 25.08 24.94 24.48 23.90 23.30 22.67 22.06 21.46 20.87 20.29 53

44 23.95 24.37 24.24 23.79 23.22 22.63 22.01 21.41 20.81 20.24 19.67 54

45 23.24 23.67 23.55 23.10 22.54 21.96 21.36 20.76 20.18 19.62 19.07 55

46 22.57 23.01 22.88 22.44 21.88 21.31 20.72 20.13 19.57 19.02 18.48 56

47 21.94 22.37 22.24 21.80 21.24 20.67 20.09 19.52 18.96 18.43 17.89 57

48 21.35 21.77 21.62 21.18 20.63 20.05 19.49 18.92 18.37 17.84 17.31 58

49 20.82 21.20 21.03 20.58 20.03 19.46 18.90 18.34 17.80 17.27 16.74 59

50 20.31 20.63 20.45 19.99 19.45 18.88 18.32 17.77 17.24 16.71 16.19 60

51 19.67 20.00 19.83 19.38 18.85 18.28 17.74 17.20 16.68 16.16 15.65 61

52 19.02 19.35 19.18 18.74 18.22 17.68 17.15 16.63 16.12 15.62 15.11 62

53 18.42 18.74 18.56 18.13 17.61 17.09 16.57 16.08 15.58 15.08 14.58 63

54 17.93 18.19 17.99 17.55 17.04 16.53 16.03 15.54 15.04 14.55 14.07 64

55 17.44 17.64 17.42 16.99 16.49 15.99 15.50 15.00 14.51 14.04 13.56 65

56 16.86 17.05 16.84 16.42 15.94 15.45 14.96 14.47 13.99 13.53 13.07 66

57 16.27 16.45 16.25 15.85 15.39 14.91 14.42 13.95 13.48 13.04 12.58 67

58 15.69 15.88 15.68 15.30 14.85 14.37 13.90 13.44 12.99 12.55 12.11 68

59 15.11 15.31 15.13 14.76 14.32 13.85 13.40 12.95 12.50 12.08 11.65 69

60 14.52 14.75 14.59 14.22 13.80 13.35 12.90 12.46 12.03 11.62 11.20 70

61 13.90 14.19 14.05 13.70 13.29 12.85 12.41 11.99 11.57 11.17 10.77 71

62 13.33 13.65 13.52 13.19 12.79 12.36 11.94 11.53 11.12 10.73 10.34 72

63 12.77 13.11 13.01 12.69 12.30 11.89 11.48 11.08 10.68 10.31 9.93 73

64 12.22 12.59 12.51 12.20 11.83 11.42 11.03 10.64 10.25 9.89 9.52 74
33

Notes:

(1) Average future lifetime as of attained age 75 or older, expressed in years.

(2) Values extend tables 12A and 12B.

Table 12C.—DI Disabled Worker Expected Future Lifetime

for Older Attained Ages

(1991-1995 Social Security disability experience)

Attained

age Male Female

75 7.53 9.13

76 7.23 8.75

77 6.94 8.38

78 6.67 8.02

79 6.39 7.67

80 6.13 7.33

81 5.87 7.00

82 5.62 6.68

83 5.37 6.38

84 5.13 6.08

85 4.90 5.79

86 4.67 5.51

87 4.44 5.24

88 4.21 4.98

89 3.99 4.72

90 3.76 4.48

91 3.52 4.24

92 3.31 4.00

93 3.10 3.77

94 2.92 3.54

95 2.75 3.32

96 2.60 3.11

97 2.46 2.92

98 2.32 2.75

99 2.19 2.59

100 2.06 2.44

101 1.95 2.29

102 1.81 2.15

103 1.70 2.01

104 1.50 1.88

105 1.38 1.75

106 1.25 1.64

107 1.00 1.50

108 0.50 1.32

109 0.00 1.00
34

Notes:

(1) Average duration of disability entitlement prior to termination due to death, recovery, or attainment of age 65. Values are expressed as years since attained age

[x]+t, and are based on survivorship experience found in table 11A (through attained age 65).

(2) Values are read across the row for durations 0-10, and down the ultimate column (“10+”) for durations greater than 10.

Table 13A.—DI Male Disabled Worker Expected Time on the DI Rolls

(1991-1995 Social Security disability experience)

Select

age

Duration of disability Attained

0 1 2 3 4 5 6 7 8 9 10+ age

20 25.04 24.73 24.46 24.02 23.80 24.17 24.63 24.89 24.93 24.79 24.51 30

21 24.87 24.65 24.46 24.08 23.87 24.20 24.58 24.75 24.73 24.52 24.19 31

22 24.59 24.47 24.38 24.05 23.86 24.14 24.45 24.53 24.44 24.17 23.79 32

23 24.15 24.14 24.16 23.92 23.74 23.98 24.20 24.22 24.06 23.74 23.31 33

24 23.54 23.65 23.81 23.66 23.51 23.70 23.85 23.81 23.59 23.23 22.77 34

25 22.79 23.04 23.37 23.32 23.20 23.35 23.42 23.32 23.06 22.68 22.19 35

26 22.01 22.41 22.88 22.94 22.84 22.93 22.94 22.78 22.50 22.09 21.58 36

27 21.27 21.80 22.39 22.52 22.43 22.47 22.42 22.21 21.89 21.47 20.94 37

28 20.59 21.23 21.90 22.07 21.98 21.97 21.87 21.62 21.27 20.82 20.28 38

29 19.97 20.67 21.40 21.59 21.49 21.44 21.28 21.00 20.62 20.15 19.60 39

30 19.42 20.15 20.89 21.09 20.97 20.88 20.68 20.37 19.97 19.48 18.91 40

31 18.95 19.68 20.40 20.58 20.45 20.32 20.08 19.74 19.31 18.80 18.22 41

32 18.49 19.21 19.91 20.06 19.91 19.74 19.47 19.09 18.64 18.12 17.53 42

33 18.06 18.76 19.41 19.53 19.35 19.15 18.85 18.45 17.97 17.44 16.84 43

34 17.65 18.32 18.91 18.99 18.79 18.55 18.22 17.80 17.30 16.74 16.13 44

35 17.23 17.86 18.40 18.43 18.21 17.94 17.59 17.14 16.62 16.05 15.43 45

36 16.82 17.41 17.89 17.88 17.62 17.33 16.94 16.48 15.94 15.35 14.72 46

37 16.42 16.97 17.40 17.35 17.05 16.72 16.30 15.82 15.25 14.65 14.02 47

38 16.05 16.57 16.93 16.82 16.48 16.11 15.67 15.16 14.58 13.97 13.32 48

39 15.67 16.16 16.45 16.28 15.90 15.49 15.02 14.49 13.90 13.27 12.61 49

40 15.28 15.72 15.94 15.71 15.29 14.85 14.35 13.80 13.20 12.57 11.89 50

41 14.87 15.26 15.41 15.12 14.66 14.19 13.66 13.09 12.48 11.85 11.17 51

42 14.44 14.77 14.84 14.51 14.02 13.52 12.96 12.38 11.76 11.12 10.45 52

43 13.98 14.26 14.26 13.89 13.38 12.85 12.27 11.67 11.04 10.39 9.73 53

44 13.50 13.73 13.67 13.27 12.74 12.19 11.59 10.97 10.33 9.68 9.00 54

45 13.01 13.20 13.07 12.64 12.09 11.52 10.92 10.28 9.63 8.96 8.27 55

46 12.48 12.64 12.46 11.99 11.43 10.84 10.22 9.58 8.91 8.23 7.53 56

47 11.93 12.06 11.84 11.34 10.76 10.16 9.52 8.86 8.19 7.50 6.78 57

48 11.42 11.50 11.22 10.69 10.08 9.47 8.82 8.15 7.46 6.75 6.02 58

49 10.94 10.95 10.61 10.05 9.42 8.78 8.12 7.43 6.72 5.99 5.25 59

50 10.46 10.39 9.99 9.40 8.75 8.09 7.41 6.71 5.98 5.22 4.45 60

51 9.85 9.76 9.33 8.73 8.05 7.38 6.68 5.96 5.21 4.43 3.63 61

52 9.25 9.13 8.67 8.04 7.36 6.66 5.94 5.20 4.42 3.62 2.78 62

53 8.68 8.51 8.01 7.35 6.64 5.92 5.18 4.41 3.61 2.77 1.90 63

54 8.14 7.90 7.35 6.66 5.92 5.18 4.41 3.61 2.77 1.89 0.97 64

55 7.60 7.26 6.67 5.94 5.18 4.41 3.61 2.77 1.89 0.97 — 65

56 6.96 6.57 5.94 5.19 4.41 3.61 2.77 1.89 0.97 — — 66

57 6.28 5.84 5.18 4.41 3.61 2.77 1.89 0.97 — — — 67

58 5.59 5.10 4.40 3.61 2.77 1.89 0.97 — — — — 68

59 4.88 4.33 3.60 2.77 1.89 0.97 — — — — — 69

60 4.15 3.54 2.76 1.89 0.97 — — — — — — 70

61 3.37 2.72 1.89 0.97 — — — — — — — 71

62 2.59 1.86 0.97 — — — — — — — — 72

63 1.78 0.96 — — — — — — — — — 73

64 0.94 — — — — — — — — — — 74
35

Notes:

(1) Average duration of disability entitlement prior to termination due to death, recovery, or attainment of age 65. Values are expressed as years since attained age

[x]+t, and are based on survivorship experience found in table 11B (through attained age 65).

(2) Values are read across the row for durations 0-10, and down the ultimate column (“10+”) for durations greater than 10.

Table 13B.—DI Female Disabled Worker Expected Time on the DI Rolls

(1991-1995 Social Security disability experience)

Select

age

Duration of disability Attained

0 1 2 3 4 5 6 7 8 9 10+ age

20 26.92 26.51 26.11 25.64 25.37 25.70 26.13 26.37 26.41 26.22 25.89 30

21 26.86 26.51 26.17 25.72 25.44 25.68 25.99 26.12 26.06 25.81 25.44 31

22 26.74 26.45 26.16 25.73 25.44 25.61 25.79 25.81 25.67 25.36 24.94 32

23 26.54 26.29 26.05 25.64 25.35 25.44 25.51 25.43 25.22 24.86 24.40 33

24 26.25 26.04 25.83 25.45 25.15 25.16 25.14 24.98 24.71 24.31 23.82 34

25 25.90 25.71 25.53 25.15 24.83 24.78 24.67 24.45 24.14 23.71 23.20 35

26 25.48 25.33 25.17 24.78 24.43 24.32 24.15 23.88 23.53 23.09 22.56 36

27 25.02 24.90 24.75 24.37 23.99 23.82 23.60 23.28 22.90 22.44 21.90 37

28 24.53 24.43 24.31 23.91 23.50 23.28 23.02 22.67 22.26 21.79 21.23 38

29 24.02 23.95 23.82 23.43 22.99 22.72 22.41 22.03 21.60 21.12 20.55 39

30 23.51 23.46 23.33 22.92 22.47 22.15 21.81 21.39 20.94 20.45 19.87 40

31 22.99 22.95 22.82 22.40 21.93 21.57 21.20 20.76 20.29 19.77 19.18 41

32 22.45 22.42 22.29 21.86 21.37 20.98 20.59 20.12 19.64 19.09 18.50 42

33 21.92 21.89 21.75 21.32 20.80 20.38 19.96 19.47 18.97 18.41 17.80 43

34 21.37 21.35 21.20 20.76 20.23 19.77 19.33 18.82 18.29 17.72 17.09 44

35 20.82 20.82 20.65 20.20 19.65 19.16 18.70 18.18 17.62 17.02 16.38 45

36 20.26 20.26 20.09 19.62 19.06 18.55 18.07 17.53 16.94 16.32 15.66 46

37 19.68 19.67 19.50 19.02 18.44 17.93 17.42 16.86 16.25 15.60 14.93 47

38 19.08 19.08 18.90 18.41 17.82 17.30 16.76 16.18 15.56 14.88 14.20 48

39 18.47 18.48 18.28 17.79 17.18 16.64 16.09 15.49 14.85 14.16 13.46 49

40 17.87 17.88 17.66 17.15 16.53 15.96 15.39 14.78 14.12 13.42 12.70 50

41 17.25 17.26 17.02 16.49 15.85 15.27 14.67 14.04 13.37 12.67 11.94 51

42 16.62 16.64 16.37 15.82 15.17 14.57 13.94 13.29 12.61 11.90 11.16 52

43 16.00 16.01 15.72 15.15 14.49 13.87 13.21 12.54 11.84 11.12 10.37 53

44 15.36 15.35 15.05 14.46 13.80 13.16 12.48 11.78 11.06 10.34 9.58 54

45 14.71 14.68 14.36 13.76 13.09 12.43 11.74 11.02 10.29 9.55 8.79 55

46 14.07 14.02 13.67 13.06 12.37 11.70 10.99 10.26 9.51 8.76 7.99 56

47 13.44 13.36 12.98 12.35 11.65 10.95 10.23 9.48 8.73 7.96 7.17 57

48 12.82 12.71 12.29 11.64 10.92 10.20 9.47 8.70 7.93 7.14 6.34 58

49 12.22 12.05 11.58 10.91 10.18 9.44 8.69 7.91 7.12 6.32 5.49 59

50 11.60 11.37 10.87 10.18 9.43 8.68 7.91 7.11 6.30 5.48 4.63 60

51 10.89 10.64 10.12 9.41 8.66 7.89 7.10 6.29 5.47 4.62 3.76 61

52 10.17 9.89 9.34 8.63 7.86 7.07 6.28 5.46 4.61 3.75 2.86 62

53 9.47 9.15 8.57 7.83 7.05 6.26 5.44 4.60 3.74 2.85 1.93 63

54 8.81 8.42 7.80 7.04 6.24 5.43 4.60 3.74 2.85 1.93 0.98 64

55 8.12 7.68 7.02 6.24 5.42 4.59 3.73 2.84 1.93 0.98 — 65

56 7.39 6.90 6.21 5.42 4.58 3.73 2.84 1.93 0.98 — — 66

57 6.63 6.10 5.38 4.58 3.72 2.84 1.93 0.98 — — — 67

58 5.87 5.29 4.55 3.72 2.84 1.93 0.98 — — — — 68

59 5.09 4.47 3.69 2.83 1.92 0.98 — — — — — 69

60 4.29 3.63 2.81 1.92 0.98 — — — — — — 70

61 3.48 2.77 1.91 0.98 — — — — — — — 71

62 2.66 1.88 0.98 — — — — — — — — 72

63 1.82 0.97 — — — — — — — — — 73

64 0.95 — — — — — — — — — — 74
36

Notes:

(1) Average duration of disability (DI) entitlement prior to termination due to death, recovery, or attainment of age 65; combined with the duration of old-age

(OASI) entitlement prior to death after attainment of age 65. Values are expressed as years since attained age [x]+t, and are based on survivorship experience

found in tables 11A and 11C.

(2) Values are read across the row for durations 0-10, and down the ultimate column (“10+”) for durations greater than 10.

(3) See table 14C for attained ages beyond age 74.

Table 14A.—DI Male Disabled Worker Expected Time on the OASDI Rolls

(1991-1995 Social Security disability experience)

Select

age

Duration of disability Attained

0 1 2 3 4 5 6 7 8 9 10+ age

20 27.87 27.64 27.46 27.08 26.96 27.53 28.19 28.63 28.83 28.83 28.67 30

21 27.79 27.67 27.58 27.27 27.17 27.69 28.28 28.62 28.76 28.68 28.47 31

22 27.59 27.59 27.61 27.38 27.29 27.77 28.27 28.53 28.59 28.44 28.18 32

23 27.22 27.33 27.49 27.35 27.30 27.72 28.14 28.33 28.32 28.12 27.80 33

24 26.64 26.89 27.22 27.19 27.17 27.55 27.89 28.01 27.94 27.70 27.35 34

25 25.90 26.33 26.84 26.94 26.96 27.30 27.55 27.61 27.50 27.23 26.85 35

26 25.12 25.72 26.42 26.64 26.69 26.97 27.16 27.16 27.01 26.73 26.32 36

27 24.38 25.15 25.99 26.30 26.37 26.60 26.72 26.67 26.49 26.19 25.77 37

28 23.72 24.61 25.56 25.92 26.00 26.18 26.25 26.15 25.94 25.61 25.18 38

29 23.13 24.10 25.12 25.52 25.59 25.72 25.74 25.61 25.37 25.03 24.58 39

30 22.61 23.63 24.68 25.09 25.15 25.24 25.21 25.06 24.80 24.43 23.98 40

31 22.18 23.21 24.25 24.66 24.71 24.76 24.69 24.51 24.22 23.84 23.38 41

32 21.77 22.81 23.83 24.22 24.24 24.26 24.16 23.94 23.63 23.25 22.78 42

33 21.40 22.43 23.41 23.77 23.77 23.75 23.63 23.39 23.05 22.65 22.18 43

34 21.06 22.06 22.99 23.31 23.29 23.24 23.09 22.83 22.47 22.05 21.57 44

35 20.71 21.69 22.56 22.83 22.79 22.72 22.54 22.26 21.89 21.46 20.96 45

36 20.38 21.32 22.14 22.37 22.30 22.20 21.99 21.69 21.30 20.86 20.37 46

37 20.06 20.97 21.74 21.93 21.83 21.69 21.46 21.13 20.72 20.27 19.78 47

38 19.79 20.67 21.38 21.52 21.37 21.19 20.93 20.59 20.17 19.71 19.21 48

39 19.52 20.38 21.02 21.09 20.90 20.68 20.40 20.04 19.61 19.14 18.64 49

40 19.23 20.06 20.63 20.63 20.40 20.15 19.84 19.47 19.04 18.57 18.06 50

41 18.93 19.72 20.21 20.15 19.88 19.60 19.26 18.88 18.45 17.99 17.49 51

42 18.61 19.34 19.75 19.65 19.35 19.04 18.68 18.28 17.85 17.40 16.93 52

43 18.26 18.94 19.28 19.14 18.83 18.49 18.11 17.71 17.28 16.84 16.39 53

44 17.89 18.54 18.82 18.65 18.31 17.97 17.58 17.17 16.74 16.31 15.86 54

45 17.52 18.14 18.35 18.16 17.81 17.46 17.06 16.64 16.21 15.79 15.35 55

46 17.10 17.71 17.88 17.65 17.30 16.94 16.54 16.12 15.70 15.28 14.85 56

47 16.67 17.27 17.39 17.15 16.78 16.41 16.02 15.60 15.19 14.78 14.36 57

48 16.30 16.85 16.92 16.65 16.27 15.90 15.51 15.10 14.69 14.29 13.89 58

49 16.00 16.48 16.49 16.20 15.80 15.42 15.03 14.63 14.22 13.82 13.43 59

50 15.71 16.13 16.08 15.76 15.34 14.96 14.57 14.18 13.77 13.37 12.99 60

51 15.24 15.68 15.61 15.28 14.87 14.48 14.10 13.72 13.32 12.93 12.55 61

52 14.80 15.25 15.17 14.83 14.42 14.04 13.66 13.28 12.89 12.52 12.14 62

53 14.43 14.85 14.75 14.39 13.98 13.60 13.23 12.85 12.47 12.10 11.73 63

54 14.16 14.50 14.36 13.98 13.56 13.18 12.81 12.44 12.05 11.70 11.34 64

55 13.93 14.18 13.99 13.59 13.16 12.78 12.41 12.02 11.65 11.30 10.95 65

56 13.52 13.75 13.56 13.17 12.75 12.37 11.99 11.62 11.25 10.91 10.56 66

57 13.08 13.31 13.11 12.74 12.34 11.96 11.59 11.22 10.86 10.52 10.19 67

58 12.64 12.86 12.67 12.33 11.94 11.56 11.19 10.83 10.48 10.15 9.83 68

59 12.24 12.44 12.26 11.92 11.54 11.16 10.80 10.45 10.10 9.79 9.47 69

60 11.81 12.03 11.85 11.52 11.14 10.78 10.42 10.07 9.74 9.43 9.13 70

61 11.28 11.61 11.45 11.12 10.76 10.39 10.04 9.71 9.38 9.09 8.79 71

62 10.85 11.20 11.05 10.73 10.37 10.02 9.68 9.35 9.03 8.75 8.46 72

63 10.43 10.80 10.66 10.35 10.00 9.65 9.32 9.01 8.70 8.42 8.14 73

64 10.02 10.41 10.28 9.98 9.64 9.30 8.98 8.67 8.37 8.10 7.83 74
37

Notes:

(1) Average duration of disability (DI) entitlement prior to termination due to death, recovery, or attainment of age 65; combined with the duration of old-age

(OASI) entitlement prior to death after attainment of age 65. Values are expressed as years since attained age [x]+t, and are based on survivorship experience

found in tables 11B and 11C.

(2) Values are read across the row for durations 0-10, and down the ultimate column (“10+”) for durations greater than 10.

(3) See table 14C for attained ages beyond age 74.

Table 14B.—DI Female Disabled Worker Expected Time on the OASDI Rolls

(1991-1995 Social Security disability experience)

Select

age

Duration of disability Attained

0 1 2 3 4 5 6 7 8 9 10+ age

20 31.53 31.22 30.93 30.55 30.43 31.03 31.77 32.28 32.56 32.55 32.39 30

21 31.63 31.40 31.18 30.84 30.71 31.21 31.81 32.19 32.36 32.29 32.08 31

22 31.67 31.51 31.35 31.04 30.91 31.33 31.78 32.04 32.11 31.98 31.72 32

23 31.61 31.51 31.42 31.14 31.01 31.34 31.67 31.82 31.81 31.62 31.31 33

24 31.45 31.40 31.36 31.11 30.97 31.23 31.44 31.49 31.42 31.19 30.85 34

25 31.21 31.20 31.20 30.96 30.80 30.98 31.10 31.09 30.97 30.71 30.34 35

26 30.90 30.93 30.96 30.72 30.53 30.64 30.70 30.62 30.47 30.19 29.81 36

27 30.54 30.61 30.67 30.43 30.21 30.26 30.26 30.14 29.95 29.66 29.26 37

28 30.14 30.26 30.34 30.10 29.85 29.84 29.79 29.63 29.41 29.12 28.71 38

29 29.72 29.87 29.97 29.73 29.45 29.39 29.29 29.11 28.86 28.56 28.14 39

30 29.30 29.49 29.59 29.35 29.04 28.93 28.80 28.58 28.32 28.00 27.58 40

31 28.87 29.09 29.19 28.94 28.63 28.47 28.31 28.06 27.79 27.45 27.02 41

32 28.43 28.67 28.78 28.53 28.19 28.00 27.82 27.54 27.26 26.89 26.46 42

33 28.00 28.25 28.36 28.11 27.75 27.52 27.32 27.02 26.71 26.34 25.90 43

34 27.55 27.83 27.94 27.68 27.30 27.04 26.82 26.51 26.17 25.78 25.34 44

35 27.11 27.41 27.52 27.25 26.86 26.57 26.33 26.00 25.64 25.23 24.77 45

36 26.66 26.98 27.09 26.82 26.41 26.11 25.84 25.50 25.11 24.67 24.20 46

37 26.18 26.51 26.63 26.35 25.94 25.63 25.34 24.98 24.57 24.10 23.62 47

38 25.68 26.04 26.17 25.88 25.46 25.14 24.83 24.46 24.03 23.54 23.04 48

39 25.18 25.57 25.68 25.40 24.97 24.63 24.30 23.92 23.48 22.98 22.47 49

40 24.68 25.09 25.19 24.90 24.45 24.10 23.75 23.36 22.92 22.41 21.89 50

41 24.17 24.60 24.69 24.38 23.92 23.56 23.18 22.78 22.32 21.82 21.29 51

42 23.65 24.11 24.18 23.85 23.39 23.01 22.60 22.18 21.71 21.22 20.70 52

43 23.15 23.62 23.68 23.34 22.87 22.47 22.03 21.58 21.11 20.62 20.11 53

44 22.63 23.10 23.16 22.80 22.34 21.93 21.48 21.01 20.52 20.03 19.53 54

45 22.09 22.57 22.62 22.26 21.79 21.38 20.92 20.43 19.94 19.45 18.95 55

46 21.58 22.06 22.09 21.73 21.25 20.82 20.36 19.86 19.37 18.88 18.39 56

47 21.10 21.57 21.58 21.21 20.72 20.27 19.80 19.30 18.81 18.32 17.82 57

48 20.65 21.10 21.07 20.68 20.20 19.72 19.25 18.75 18.25 17.76 17.26 58

49 20.24 20.64 20.57 20.17 19.68 19.19 18.71 18.21 17.70 17.21 16.71 59

50 19.82 20.17 20.07 19.66 19.16 18.67 18.18 17.67 17.17 16.67 16.17 60

51 19.26 19.62 19.51 19.10 18.61 18.11 17.62 17.13 16.63 16.13 15.63 61

52 18.68 19.03 18.92 18.51 18.02 17.54 17.06 16.58 16.09 15.61 15.10 62

53 18.15 18.48 18.35 17.94 17.45 16.98 16.51 16.04 15.56 15.07 14.58 63

54 17.72 17.98 17.82 17.40 16.91 16.45 15.99 15.52 15.03 14.55 14.07 64

55 17.27 17.49 17.29 16.87 16.39 15.93 15.47 14.98 14.50 14.03 13.56 65

56 16.73 16.94 16.74 16.34 15.87 15.41 14.94 14.46 13.99 13.53 13.07 66

57 16.17 16.37 16.18 15.79 15.34 14.88 14.41 13.95 13.48 13.04 12.58 67

58 15.62 15.82 15.64 15.26 14.82 14.36 13.90 13.44 12.99 12.55 12.11 68

59 15.06 15.27 15.11 14.73 14.30 13.85 13.40 12.95 12.50 12.08 11.65 69

60 14.49 14.72 14.57 14.21 13.79 13.35 12.90 12.46 12.03 11.62 11.20 70

61 13.88 14.18 14.05 13.70 13.29 12.85 12.41 11.99 11.57 11.17 10.77 71

62 13.32 13.64 13.52 13.19 12.79 12.36 11.94 11.53 11.12 10.73 10.34 72

63 12.76 13.11 13.01 12.69 12.30 11.89 11.48 11.08 10.68 10.31 9.93 73

64 12.22 12.59 12.51 12.20 11.83 11.42 11.03 10.64 10.25 9.89 9.52 74
38

Notes:

(1) Average time on the OASDI rolls as of attained age 75 or older, expressed in years.

(2) Values extend tables 14A and 14B.

Table 14C.—DI Disabled Worker Expected Time on the OASDI Rolls

for Older Attained Ages

(1991-1995 Social Security disability experience)

Attained

age Male Female

75 7.53 9.13

76 7.23 8.75

77 6.94 8.38

78 6.67 8.02

79 6.39 7.67

80 6.13 7.33

81 5.87 7.00

82 5.62 6.68

83 5.37 6.38

84 5.13 6.08

85 4.90 5.79

86 4.67 5.51

87 4.44 5.24

88 4.21 4.98

89 3.99 4.72

90 3.76 4.48

91 3.52 4.23

92 3.30 4.00

93 3.10 3.77

94 2.91 3.54

95 2.75 3.32

96 2.59 3.11

97 2.45 2.92

98 2.32 2.75

99 2.20 2.59

100 2.08 2.44

101 1.97 2.30

102 1.83 2.16

103 1.75 2.04

104 1.72 1.92

105 1.70 1.80

106 1.50 1.67

107 1.00 1.50

108 0.50 1.25

109 0.00 1.00
39

ANNUITY TABLES
40

.
41

Table 15A.—DI Male Disabled Worker Annual Life Annuity (Due)1

(1991-1995 Social Security disability experience)

1 Present value of annual payments of $1 payable at the beginning of each year (annuity due), commencing with the year of entitlement and continuing thereafter for the life of the annuitant. Receipt of

payment is contingent upon survival to the next payment date. Payments are discounted to the beginning of entitlement using the annual effective interest rate shown and survivorship experience as shown intables 10A and 10C.

Select

age

Present value of annuity at given interest rate

1.0% 1.5% 2.0% 2.5% 3.0% 3.5% 4.0% 4.5% 5.0% 5.5% 6.0% 6.5% 7.0% 7.5% 8.0% 8.5% 9.0%

20 31.4828 28.4906 25.9348 23.7385 21.8400 20.1897 18.7472 17.4799 16.3609 15.3681 14.4832 13.6910 12.9790 12.3364 11.7543 11.2252 10.742521 30.5942 27.7338 25.2850 23.1763 21.3498 19.7593 18.3667 17.1413 16.0576 15.0949 14.2358 13.4658 12.7730 12.1471 11.5796 11.0633 10.592022 29.6977 26.9670 24.6241 22.6022 20.8476 19.3167 17.9742 16.7909 15.7430 14.8107 13.9778 13.2304 12.5571 11.9484 11.3959 10.8929 10.433323 28.7567 26.1575 23.9223 21.9893 20.3085 18.8394 17.5488 16.4094 15.3990 14.4988 13.6935 12.9701 12.3177 11.7273 11.1909 10.7021 10.255224 27.7403 25.2771 23.1541 21.3142 19.7112 18.3075 17.0722 15.9800 15.0099 14.1445 13.3693 12.6721 12.0427 11.4724 10.9539 10.4810 10.048225 26.6740 24.3483 22.3392 20.5945 19.0714 17.7352 16.5573 15.5141 14.5862 13.7573 13.0138 12.3443 11.7392 11.1904 10.6910 10.2351 9.817526 25.6365 23.4423 21.5426 19.8894 18.4433 17.1724 16.0501 15.0545 14.1676 13.3743 12.6617 12.0193 11.4381 10.9104 10.4297 9.9904 9.587827 24.6780 22.6051 20.8065 19.2378 17.8631 16.6526 15.5818 14.6304 13.7816 13.0212 12.3374 11.7202 11.1611 10.6529 10.1896 9.7658 9.377028 23.8402 21.8750 20.1661 18.6726 17.3611 16.2042 15.1790 14.2667 13.4515 12.7201 12.0616 11.4665 10.9268 10.4357 9.9875 9.5772 9.200529 23.1137 21.2443 19.6149 18.1880 16.9325 15.8229 14.8379 13.9600 13.1743 12.4685 11.8321 11.2562 10.7334 10.2571 9.8220 9.4233 9.0570

30 22.4984 20.7128 19.1531 17.7844 16.5777 15.5093 14.5592 13.7110 12.9508 12.2669 11.6494 11.0900 10.5815 10.1178 9.6937 9.3048 8.947031 21.9959 20.2826 18.7828 17.4638 16.2988 15.2653 14.3448 13.5216 12.7827 12.1170 11.5151 10.9692 10.4724 10.0189 9.6037 9.2225 8.871632 21.5161 19.8717 18.4290 17.1576 16.0324 15.0325 14.1403 13.3411 12.6227 11.9746 11.3878 10.8549 10.3693 9.9256 9.5190 9.1453 8.801133 21.0705 19.4906 18.1015 16.8749 15.7872 14.8188 13.9533 13.1767 12.4776 11.8460 11.2734 10.7527 10.2777 9.8432 9.4446 9.0779 8.739834 20.6543 19.1352 17.7966 16.6121 15.5598 14.6212 13.7808 13.0257 12.3448 11.7287 11.1695 10.6603 10.1953 9.7694 9.3784 9.0183 8.6859

35 20.2320 18.7728 17.4843 16.3418 15.3249 14.4161 13.6011 12.8676 12.2052 11.6049 11.0594 10.5620 10.1073 9.6904 9.3071 8.9538 8.627536 19.8300 18.4279 17.1871 16.0847 15.1016 14.2215 13.4308 12.7180 12.0733 11.4883 10.9559 10.4700 10.0251 9.6168 9.2410 8.8943 8.573737 19.4442 18.0965 16.9013 15.8373 14.8865 14.0339 13.2666 12.5738 11.9463 11.3760 10.8563 10.3814 9.9461 9.5460 9.1776 8.8373 8.522338 19.0974 17.7996 16.6463 15.6175 14.6965 13.8691 13.1232 12.4487 11.8367 11.2799 10.7718 10.3068 9.8802 9.4877 9.1257 8.7912 8.481239 18.7654 17.5155 16.4023 15.4074 14.5150 13.7119 12.9867 12.3299 11.7331 11.1893 10.6924 10.2371 9.8189 9.4336 9.0781 8.7490 8.4439

40 18.4328 17.2300 16.1565 15.1952 14.3313 13.5525 12.8480 12.2090 11.6274 11.0968 10.6112 10.1658 9.7561 9.3783 9.0292 8.7059 8.405841 18.0881 16.9325 15.8991 14.9718 14.1369 13.3829 12.6998 12.0790 11.5133 10.9963 10.5226 10.0875 9.6868 9.3170 8.9748 8.6575 8.362842 17.7310 16.6227 15.6295 14.7365 13.9310 13.2022 12.5408 11.9388 11.3894 10.8866 10.4253 10.0009 9.6097 9.2482 8.9133 8.6025 8.313543 17.3615 16.3000 15.3467 14.4880 13.7120 13.0086 12.3692 11.7864 11.2536 10.7653 10.3167 9.9035 9.5221 9.1692 8.8421 8.5381 8.255144 16.9869 15.9711 15.0570 14.2320 13.4851 12.8069 12.1894 11.6255 11.1094 10.6357 10.1999 9.7981 9.4266 9.0826 8.7633 8.4663 8.1896

45 16.6133 15.6418 14.7658 13.9736 13.2551 12.6017 12.0057 11.4606 10.9610 10.5018 10.0787 9.6881 9.3267 8.9915 8.6801 8.3902 8.119746 16.2045 15.2783 14.4417 13.6836 12.9948 12.3673 11.7940 11.2689 10.7869 10.3432 9.9340 9.5556 9.2051 8.8797 8.5770 8.2949 8.031547 15.7835 14.9025 14.1050 13.3810 12.7221 12.1206 11.5703 11.0655 10.6014 10.1736 9.7785 9.4127 9.0735 8.7582 8.4645 8.1906 7.934648 15.4037 14.5639 13.8023 13.1097 12.4781 11.9006 11.3714 10.8852 10.4375 10.0243 9.6422 9.2880 8.9590 8.6530 8.3676 8.1012 7.851949 15.0971 14.2926 13.5616 12.8956 12.2872 11.7301 11.2187 10.7481 10.3142 9.9132 9.5418 9.1972 8.8768 8.5783 8.2997 8.0393 7.7955

50 14.8103 14.0389 13.3366 12.6956 12.1090 11.5710 11.0763 10.6205 10.1996 9.8100 9.4488 9.1133 8.8009 8.5096 8.2374 7.9828 7.744151 14.3793 13.6486 12.9822 12.3727 11.8141 11.3009 10.8282 10.3921 9.9887 9.6150 9.2679 8.9451 8.6443 8.3634 8.1007 7.8546 7.623852 13.9759 13.2829 12.6496 12.0695 11.5368 11.0466 10.5946 10.1768 9.7898 9.4308 9.0970 8.7862 8.4961 8.2250 7.9712 7.7332 7.509753 13.6329 12.9731 12.3691 11.8148 11.3050 10.8351 10.4011 9.9994 9.6268 9.2807 8.9585 8.6580 8.3773 8.1147 7.8686 7.6376 7.420554 13.3803 12.7479 12.1678 11.6346 11.1434 10.6898 10.2703 9.8815 9.5203 9.1844 8.8713 8.5789 8.3055 8.0494 7.8092 7.5835 7.3711

55 13.1687 12.5606 12.0019 11.4874 11.0127 10.5737 10.1670 9.7895 9.4385 9.1115 8.8063 8.5211 8.2540 8.0036 7.7684 7.5472 7.339056 12.8077 12.2314 11.7009 11.2115 10.7592 10.3403 9.9517 9.5904 9.2539 8.9401 8.6469 8.3725 8.1152 7.8738 7.6468 7.4331 7.231757 12.4276 11.8832 11.3811 10.9172 10.4877 10.0893 9.7190 9.3744 9.0530 8.7529 8.4721 8.2089 7.9620 7.7299 7.5116 7.3058 7.111658 12.0407 11.5274 11.0533 10.6144 10.2075 9.8294 9.4775 9.1495 8.8432 8.5567 8.2884 8.0366 7.8001 7.5776 7.3680 7.1702 6.983459 11.6861 11.2014 10.7530 10.3371 9.9509 9.5915 9.2565 8.9438 8.6514 8.3776 8.1207 7.8795 7.6526 7.4389 7.2373 7.0470 6.8671

60 11.3137 10.8576 10.4347 10.0420 9.6766 9.3361 9.0183 8.7212 8.4430 8.1821 7.9371 7.7067 7.4897 7.2851 7.0920 6.9094 6.736761 10.8441 10.4197 10.0256 9.6590 9.3173 8.9985 8.7004 8.4213 8.1597 7.9140 7.6830 7.4655 7.2604 7.0668 6.8839 6.7108 6.546862 10.4725 10.0746 9.7044 9.3595 9.0376 8.7367 8.4550 8.1908 7.9429 7.7097 7.4902 7.2833 7.0880 6.9035 6.7289 6.5635 6.406663 10.1077 9.7351 9.3878 9.0637 8.7608 8.4771 8.2112 7.9615 7.7268 7.5058 7.2976 7.1010 6.9152 6.7395 6.5730 6.4152 6.265464 9.7497 9.4011 9.0758 8.7716 8.4869 8.2199 7.9692 7.7335 7.5116 7.3025 7.1051 6.9186 6.7421 6.5750 6.4166 6.2662 6.1233
42 Table 15B.—DI Male Disabled Worker Annual Life Annuity (Immediate)1

(1991-1995 Social Security disability experience)

1 Present value of annual payments of $1 payable at the end of each year (annuity immediate), commencing with the year of entitlement and continuing thereafter for the life of the annuitant. Receipt of

payment is contingent upon survival to the next payment date. Payments are discounted to the beginning of entitlement using the annual effective interest rate shown and survivorship experience as shown intables 10A and 10C.

Select

age

Present value of annuity at given interest rate

1.0% 1.5% 2.0% 2.5% 3.0% 3.5% 4.0% 4.5% 5.0% 5.5% 6.0% 6.5% 7.0% 7.5% 8.0% 8.5% 9.0%

20 30.4828 27.4906 24.9348 22.7385 20.8400 19.1897 17.7472 16.4799 15.3609 14.3681 13.4832 12.6910 11.9790 11.3364 10.7543 10.2252 9.742521 29.5942 26.7338 24.2850 22.1763 20.3498 18.7593 17.3667 16.1413 15.0576 14.0949 13.2358 12.4658 11.7730 11.1471 10.5796 10.0633 9.592022 28.6977 25.9670 23.6241 21.6022 19.8476 18.3167 16.9742 15.7909 14.7430 13.8107 12.9778 12.2304 11.5571 10.9484 10.3959 9.8929 9.433323 27.7567 25.1575 22.9223 20.9893 19.3085 17.8394 16.5488 15.4094 14.3990 13.4988 12.6935 11.9701 11.3177 10.7273 10.1909 9.7021 9.255224 26.7403 24.2771 22.1541 20.3142 18.7112 17.3075 16.0722 14.9800 14.0099 13.1445 12.3693 11.6721 11.0427 10.4724 9.9539 9.4810 9.048225 25.6740 23.3483 21.3392 19.5945 18.0714 16.7352 15.5573 14.5141 13.5862 12.7573 12.0138 11.3443 10.7392 10.1904 9.6910 9.2351 8.817526 24.6365 22.4423 20.5426 18.8894 17.4433 16.1724 15.0501 14.0545 13.1676 12.3743 11.6617 11.0193 10.4381 9.9104 9.4297 8.9904 8.587827 23.6780 21.6051 19.8065 18.2378 16.8631 15.6526 14.5818 13.6304 12.7816 12.0212 11.3374 10.7202 10.1611 9.6529 9.1896 8.7658 8.377028 22.8402 20.8750 19.1661 17.6726 16.3611 15.2042 14.1790 13.2667 12.4515 11.7201 11.0616 10.4665 9.9268 9.4357 8.9875 8.5772 8.200529 22.1137 20.2443 18.6149 17.1880 15.9325 14.8229 13.8379 12.9600 12.1743 11.4685 10.8321 10.2562 9.7334 9.2571 8.8220 8.4233 8.0570

30 21.4984 19.7128 18.1531 16.7844 15.5777 14.5093 13.5592 12.7110 11.9508 11.2669 10.6494 10.0900 9.5815 9.1178 8.6937 8.3048 7.947031 20.9959 19.2826 17.7828 16.4638 15.2988 14.2653 13.3448 12.5216 11.7827 11.1170 10.5151 9.9692 9.4724 9.0189 8.6037 8.2225 7.871632 20.5161 18.8717 17.4290 16.1576 15.0324 14.0325 13.1403 12.3411 11.6227 10.9746 10.3878 9.8549 9.3693 8.9256 8.5190 8.1453 7.801133 20.0705 18.4906 17.1015 15.8749 14.7872 13.8188 12.9533 12.1767 11.4776 10.8460 10.2734 9.7527 9.2777 8.8432 8.4446 8.0779 7.739834 19.6543 18.1352 16.7966 15.6121 14.5598 13.6212 12.7808 12.0257 11.3448 10.7287 10.1695 9.6603 9.1953 8.7694 8.3784 8.0183 7.6859

35 19.2320 17.7728 16.4843 15.3418 14.3249 13.4161 12.6011 11.8676 11.2052 10.6049 10.0594 9.5620 9.1073 8.6904 8.3071 7.9538 7.627536 18.8300 17.4279 16.1871 15.0847 14.1016 13.2215 12.4308 11.7180 11.0733 10.4883 9.9559 9.4700 9.0251 8.6168 8.2410 7.8943 7.573737 18.4442 17.0965 15.9013 14.8373 13.8865 13.0339 12.2666 11.5738 10.9463 10.3760 9.8563 9.3814 8.9461 8.5460 8.1776 7.8373 7.522338 18.0974 16.7996 15.6463 14.6175 13.6965 12.8691 12.1232 11.4487 10.8367 10.2799 9.7718 9.3068 8.8802 8.4877 8.1257 7.7912 7.481239 17.7654 16.5155 15.4023 14.4074 13.5150 12.7119 11.9867 11.3299 10.7331 10.1893 9.6924 9.2371 8.8189 8.4336 8.0781 7.7490 7.4439

40 17.4328 16.2300 15.1565 14.1952 13.3313 12.5525 11.8480 11.2090 10.6274 10.0968 9.6112 9.1658 8.7561 8.3783 8.0292 7.7059 7.405841 17.0881 15.9325 14.8991 13.9718 13.1369 12.3829 11.6998 11.0790 10.5133 9.9963 9.5226 9.0875 8.6868 8.3170 7.9748 7.6575 7.362842 16.7310 15.6227 14.6295 13.7365 12.9310 12.2022 11.5408 10.9388 10.3894 9.8866 9.4253 9.0009 8.6097 8.2482 7.9133 7.6025 7.313543 16.3615 15.3000 14.3467 13.4880 12.7120 12.0086 11.3692 10.7864 10.2536 9.7653 9.3167 8.9035 8.5221 8.1692 7.8421 7.5381 7.255144 15.9869 14.9711 14.0570 13.2320 12.4851 11.8069 11.1894 10.6255 10.1094 9.6357 9.1999 8.7981 8.4266 8.0826 7.7633 7.4663 7.1896

45 15.6133 14.6418 13.7658 12.9736 12.2551 11.6017 11.0057 10.4606 9.9610 9.5018 9.0787 8.6881 8.3267 7.9915 7.6801 7.3902 7.119746 15.2045 14.2783 13.4417 12.6836 11.9948 11.3673 10.7940 10.2689 9.7869 9.3432 8.9340 8.5556 8.2051 7.8797 7.5770 7.2949 7.031547 14.7835 13.9025 13.1050 12.3810 11.7221 11.1206 10.5703 10.0655 9.6014 9.1736 8.7785 8.4127 8.0735 7.7582 7.4645 7.1906 6.934648 14.4037 13.5639 12.8023 12.1097 11.4781 10.9006 10.3714 9.8852 9.4375 9.0243 8.6422 8.2880 7.9590 7.6530 7.3676 7.1012 6.851949 14.0971 13.2926 12.5616 11.8956 11.2872 10.7301 10.2187 9.7481 9.3142 8.9132 8.5418 8.1972 7.8768 7.5783 7.2997 7.0393 6.7955

50 13.8103 13.0389 12.3366 11.6956 11.1090 10.5710 10.0763 9.6205 9.1996 8.8100 8.4488 8.1133 7.8009 7.5096 7.2374 6.9828 6.744151 13.3793 12.6486 11.9822 11.3727 10.8141 10.3009 9.8282 9.3921 8.9887 8.6150 8.2679 7.9451 7.6443 7.3634 7.1007 6.8546 6.623852 12.9759 12.2829 11.6496 11.0695 10.5368 10.0466 9.5946 9.1768 8.7898 8.4308 8.0970 7.7862 7.4961 7.2250 6.9712 6.7332 6.509753 12.6329 11.9731 11.3691 10.8148 10.3050 9.8351 9.4011 8.9994 8.6268 8.2807 7.9585 7.6580 7.3773 7.1147 6.8686 6.6376 6.420554 12.3803 11.7479 11.1678 10.6346 10.1434 9.6898 9.2703 8.8815 8.5203 8.1844 7.8713 7.5789 7.3055 7.0494 6.8092 6.5835 6.3711

55 12.1687 11.5606 11.0019 10.4874 10.0127 9.5737 9.1670 8.7895 8.4385 8.1115 7.8063 7.5211 7.2540 7.0036 6.7684 6.5472 6.339056 11.8077 11.2314 10.7009 10.2115 9.7592 9.3403 8.9517 8.5904 8.2539 7.9401 7.6469 7.3725 7.1152 6.8738 6.6468 6.4331 6.231757 11.4276 10.8832 10.3811 9.9172 9.4877 9.0893 8.7190 8.3744 8.0530 7.7529 7.4721 7.2089 6.9620 6.7299 6.5116 6.3058 6.111658 11.0407 10.5274 10.0533 9.6144 9.2075 8.8294 8.4775 8.1495 7.8432 7.5567 7.2884 7.0366 6.8001 6.5776 6.3680 6.1702 5.983459 10.6861 10.2014 9.7530 9.3371 8.9509 8.5915 8.2565 7.9438 7.6514 7.3776 7.1207 6.8795 6.6526 6.4389 6.2373 6.0470 5.8671

60 10.3137 9.8576 9.4347 9.0420 8.6766 8.3361 8.0183 7.7212 7.4430 7.1821 6.9371 6.7067 6.4897 6.2851 6.0920 5.9094 5.736761 9.8441 9.4197 9.0256 8.6590 8.3173 7.9985 7.7004 7.4213 7.1597 6.9140 6.6830 6.4655 6.2604 6.0668 5.8839 5.7108 5.546862 9.4725 9.0746 8.7044 8.3595 8.0376 7.7367 7.4550 7.1908 6.9429 6.7097 6.4902 6.2833 6.0880 5.9035 5.7289 5.5635 5.406663 9.1077 8.7351 8.3878 8.0637 7.7608 7.4771 7.2112 6.9615 6.7268 6.5058 6.2976 6.1010 5.9152 5.7395 5.5730 5.4152 5.265464 8.7497 8.4011 8.0758 7.7716 7.4869 7.2199 6.9692 6.7335 6.5116 6.3025 6.1051 5.9186 5.7421 5.5750 5.4166 5.2662 5.1233
43

Table 15C.—DI Male Disabled Worker Monthly Life Annuity (Due)1

(1991-1995 Social Security disability experience)

1 Present value of monthly payments of $1 payable at the beginning of each month (annuity due), commencing with the year of entitlement and continuing thereafter for the life of the annuitant. Receipt of

payment is contingent upon survival to the next payment date. Payments are discounted to the beginning of entitlement using the annual effective interest rate shown and survivorship experience as shownin tables 10A and 10C.

Select

age

Present value of annuity at given interest rate

1.0% 1.5% 2.0% 2.5% 3.0% 3.5% 4.0% 4.5% 5.0% 5.5% 6.0% 6.5% 7.0% 7.5% 8.0% 8.5% 9.0%

20 372.2775 336.3642 305.6883 279.3269 256.5398 236.7308 219.4169 204.2044 190.7715 178.8530 168.2297 158.7194 150.1703 142.4547 135.4651 129.1107 123.314021 361.6138 327.2821 297.8907 272.5798 250.6575 231.5655 214.8497 200.1397 187.1314 175.5740 165.2597 156.0156 147.6969 140.1819 133.3678 127.1679 121.507822 350.8552 318.0807 289.9594 265.6909 244.6300 226.2547 210.1389 195.9344 183.3548 172.1631 162.1627 153.1894 145.1059 137.7960 131.1621 125.1208 119.601423 339.5635 308.3660 281.5373 258.3355 238.1607 220.5261 205.0334 191.3565 179.2263 168.4196 158.7509 150.0652 142.2322 135.1419 128.7012 122.8309 117.463524 327.3671 297.8010 272.3182 250.2337 230.9925 214.1428 199.3144 186.2028 174.5567 164.1668 154.8593 146.4881 138.9303 132.0821 125.8555 120.1754 114.977525 314.5707 286.6547 262.5399 241.5969 223.3142 207.2743 193.1342 180.6110 169.4709 159.5188 150.5917 142.5531 135.2874 128.6972 122.6993 117.2229 112.207526 302.1204 275.7826 252.9801 233.1352 215.7770 200.5198 187.0465 175.0948 164.4471 154.9214 146.3659 138.6523 131.6727 125.3354 119.5620 114.2859 109.449827 290.6191 265.7368 244.1463 225.3165 208.8137 194.2816 181.4264 170.0047 159.8136 150.6837 142.4728 135.0610 128.3468 122.2440 116.6788 111.5882 106.918228 280.5645 256.9757 236.4617 218.5334 202.7895 188.9003 176.5924 165.6390 155.8512 147.0702 139.1625 132.0158 125.5342 119.6364 114.2529 109.3240 104.798429 271.8474 249.4063 229.8472 212.7175 197.6454 184.3241 172.4990 161.9583 152.5247 144.0495 136.4072 129.4916 123.2125 117.4927 112.2664 107.4770 103.0755

30 264.4629 243.0287 224.3057 207.8741 193.3877 180.5606 169.1544 158.9704 149.8424 141.6300 134.2148 127.4963 121.3890 115.8198 110.7259 106.0533 101.755431 258.4333 237.8663 219.8614 204.0272 190.0404 177.6326 166.5804 156.6965 147.8241 139.8302 132.6027 126.0462 120.0793 114.6320 109.6448 105.0656 100.849932 252.6756 232.9347 215.6153 200.3523 186.8437 174.8384 164.1262 154.5309 145.9044 138.1210 131.0744 124.6740 118.8424 113.5129 108.6283 104.1391 100.002633 247.3282 228.3620 211.6859 196.9596 183.9009 172.2741 161.8818 152.5579 144.1627 136.5774 129.7009 123.4471 117.7424 112.5232 107.7347 103.3297 99.267134 242.3343 224.0965 208.0263 193.8062 181.1717 169.9022 159.8121 150.7448 142.5682 135.1697 128.4537 122.3384 116.7532 111.6378 106.9398 102.6138 98.6203

35 237.2666 219.7485 204.2792 190.5628 178.3525 167.4415 157.6556 148.8476 140.8926 133.6845 127.1325 121.1588 115.6968 110.6884 106.0839 101.8400 97.918536 232.4425 215.6092 200.7127 187.4774 175.6728 165.1053 155.6111 147.0520 139.3101 132.2850 125.8907 120.0536 114.7099 109.8047 105.2903 101.1252 97.273237 227.8129 211.6323 197.2829 184.5080 173.0923 162.8546 153.6412 145.3218 137.7854 130.9370 124.6953 118.9901 113.7612 108.9559 104.5288 100.4401 96.655438 223.6511 208.0696 194.2224 181.8703 170.8114 160.8761 151.9198 143.8195 136.4708 129.7836 123.6807 118.0954 112.9703 108.2552 103.9066 99.8867 96.162039 219.6674 204.6598 191.2947 179.3488 168.6338 158.9901 150.2822 142.3940 135.2270 128.6959 122.7275 117.2585 112.2342 107.6064 103.3342 99.3808 95.7143

40 215.6761 201.2336 188.3450 176.8022 166.4292 157.0767 148.6174 140.9425 133.9585 127.5852 121.7531 116.4022 111.4805 106.9423 102.7481 98.8630 95.256541 211.5391 197.6640 185.2559 174.1214 164.0964 155.0416 146.8377 139.3825 132.5882 126.3790 120.6895 115.4626 110.6490 106.2056 102.0943 98.2822 94.740042 207.2544 193.9462 182.0205 171.2976 161.6251 152.8731 144.9301 137.7005 131.1017 125.0624 119.5209 114.4236 109.7235 105.3797 101.3563 97.6217 94.148143 202.8201 190.0735 178.6275 168.3158 158.9970 150.5500 142.8711 135.8707 129.4713 123.6063 118.2174 113.2541 108.6719 104.4322 100.5008 96.8480 93.447044 198.3247 186.1264 175.1504 165.2432 156.2734 148.1288 140.7123 133.9405 127.7411 122.0511 116.8160 111.9882 107.5259 103.3923 99.5552 95.9862 92.6602

45 193.8421 182.1747 171.6556 162.1426 153.5140 145.6658 138.5075 131.9612 125.9595 120.4432 115.3613 110.6687 106.3262 102.2990 98.5567 95.0723 91.822046 188.9355 177.8134 167.7660 158.6623 150.3902 142.8530 135.9673 129.6606 123.8698 118.5401 113.6235 109.0778 104.8661 100.9558 97.3182 93.9278 90.762047 183.8841 173.3032 163.7255 155.0311 147.1166 139.8930 133.2830 127.2193 121.6436 116.5044 111.7573 107.3628 103.2862 99.4971 95.9682 92.6759 89.598548 179.3262 169.2408 160.0939 151.7749 144.1886 137.2528 130.8958 125.0554 119.6769 114.7128 110.1211 105.8651 101.9124 98.2341 94.8048 91.6020 88.605449 175.6468 165.9850 157.2054 149.2059 141.8981 135.2059 129.0626 123.4097 118.1967 113.3786 108.9164 104.7752 100.9247 97.3374 93.9895 90.8595 87.9282

50 172.2055 162.9401 154.5048 146.8051 139.7591 133.2961 127.3538 121.8779 116.8208 112.1407 107.8006 103.7679 100.0139 96.5127 93.2418 90.1806 87.311051 167.0334 158.2569 150.2515 142.9308 136.2201 130.0546 124.3767 119.1366 114.2905 109.7994 105.6291 101.7495 98.1337 94.7576 91.6000 88.6420 85.866552 162.1925 153.8680 146.2607 139.2918 132.8927 127.0037 121.5723 116.5523 111.9032 107.5888 103.5776 99.8414 96.3550 93.0964 90.0454 87.1844 84.497453 158.0761 150.1505 142.8945 136.2355 130.1108 124.4653 119.2504 114.4233 109.9468 105.7869 101.9145 98.3031 94.9295 91.7727 88.8139 86.0366 83.425654 155.0456 147.4479 140.4792 134.0730 128.1708 122.7218 117.6808 113.0081 108.6686 104.6310 100.8675 97.3536 94.0672 90.9888 88.1004 85.3866 82.8329

55 152.5060 145.2007 138.4883 132.3069 126.6026 121.3280 116.4411 111.9047 107.6861 103.7557 100.0878 96.6591 93.4487 90.4381 87.6107 84.9515 82.446856 148.1743 141.2498 134.8758 128.9959 123.5608 118.5271 113.8565 109.5145 105.4711 101.6990 98.1743 94.8755 91.7831 88.8801 86.1508 83.5812 81.158557 143.6129 137.0708 131.0380 125.4633 120.3018 115.5141 111.0648 106.9226 103.0599 99.4516 96.0757 92.9123 89.9434 87.1532 84.5272 82.0522 79.716658 138.9695 132.8019 127.1044 121.8305 116.9395 112.3953 108.1662 104.2232 100.5413 97.0973 93.8709 90.8440 88.0000 85.3240 82.8029 80.4243 78.177559 134.7144 128.8901 123.5003 118.5026 113.8602 109.5404 105.5141 101.7548 98.2395 94.9471 91.8588 88.9580 86.2293 83.6590 81.2347 78.9453 76.7806

60 130.2456 124.7633 119.6810 114.9607 110.5687 106.4758 102.6550 99.0826 95.7376 92.6005 89.6542 86.8833 84.2739 81.8133 79.4899 77.2936 75.214861 124.6103 119.5089 114.7716 110.3643 106.2570 102.4234 98.8394 95.4837 92.3372 89.3824 86.6040 83.9878 81.5212 79.1926 76.9915 74.9087 72.935362 120.1515 115.3677 110.9177 106.7707 102.9000 99.2815 95.8939 92.7174 89.7350 86.9307 84.2903 81.8012 79.4516 77.2311 75.1299 73.1396 71.252163 115.7740 111.2934 107.1183 103.2210 99.5777 96.1666 92.9684 89.9654 87.1420 84.4838 81.9779 79.6126 77.3774 75.2626 73.2594 71.3599 69.556764 111.4776 107.2860 103.3736 99.7158 96.2908 93.0792 90.0638 87.2285 84.5591 82.0427 79.6675 77.4229 75.2993 73.2878 71.3805 69.5701 67.8497
44 Table 15D.—DI Male Disabled Worker Monthly Life Annuity (Immediate)1

(1991-1995 Social Security disability experience)

1 Present value of monthly payments of $1 payable at the end of each month (annuity immediate), commencing with the year of entitlement and continuing thereafter for the life of the annuitant. Receipt of

payment is contingent upon survival to the next payment date. Payments are discounted to the beginning of entitlement using the annual effective interest rate shown and survivorship experience as shown intables 10A and 10C.

Select

age

Present value of annuity at given interest rate

1.0% 1.5% 2.0% 2.5% 3.0% 3.5% 4.0% 4.5% 5.0% 5.5% 6.0% 6.5% 7.0% 7.5% 8.0% 8.5% 9.0%

20 371.2775 335.3642 304.6883 278.3269 255.5398 235.7308 218.4169 203.2044 189.7715 177.8530 167.2297 157.7194 149.1703 141.4547 134.4651 128.1107 122.314021 360.6138 326.2821 296.8907 271.5798 249.6575 230.5655 213.8497 199.1397 186.1314 174.5740 164.2597 155.0156 146.6969 139.1819 132.3678 126.1679 120.507822 349.8552 317.0807 288.9594 264.6909 243.6300 225.2547 209.1389 194.9344 182.3548 171.1631 161.1627 152.1894 144.1059 136.7960 130.1621 124.1208 118.601423 338.5635 307.3660 280.5373 257.3355 237.1607 219.5261 204.0334 190.3565 178.2263 167.4196 157.7509 149.0652 141.2322 134.1419 127.7012 121.8309 116.463524 326.3671 296.8010 271.3182 249.2337 229.9925 213.1428 198.3144 185.2028 173.5567 163.1668 153.8593 145.4881 137.9303 131.0821 124.8555 119.1754 113.977525 313.5707 285.6547 261.5399 240.5969 222.3142 206.2743 192.1342 179.6110 168.4709 158.5188 149.5917 141.5531 134.2874 127.6972 121.6993 116.2229 111.207526 301.1204 274.7826 251.9801 232.1352 214.7770 199.5198 186.0465 174.0948 163.4471 153.9214 145.3659 137.6523 130.6727 124.3354 118.5620 113.2859 108.449827 289.6191 264.7368 243.1463 224.3165 207.8137 193.2816 180.4264 169.0047 158.8136 149.6837 141.4728 134.0610 127.3468 121.2440 115.6788 110.5882 105.918228 279.5645 255.9757 235.4617 217.5334 201.7895 187.9003 175.5924 164.6390 154.8512 146.0702 138.1625 131.0158 124.5342 118.6364 113.2529 108.3240 103.798429 270.8474 248.4063 228.8472 211.7175 196.6454 183.3241 171.4990 160.9583 151.5247 143.0495 135.4072 128.4916 122.2125 116.4927 111.2664 106.4770 102.0755

30 263.4629 242.0287 223.3057 206.8741 192.3877 179.5606 168.1544 157.9704 148.8424 140.6300 133.2148 126.4963 120.3890 114.8198 109.7259 105.0533 100.755431 257.4333 236.8663 218.8614 203.0272 189.0404 176.6326 165.5804 155.6965 146.8241 138.8302 131.6027 125.0462 119.0793 113.6320 108.6448 104.0656 99.849932 251.6756 231.9347 214.6153 199.3523 185.8437 173.8384 163.1262 153.5309 144.9044 137.1210 130.0744 123.6740 117.8424 112.5129 107.6283 103.1391 99.002633 246.3282 227.3620 210.6859 195.9596 182.9009 171.2741 160.8818 151.5579 143.1627 135.5774 128.7009 122.4471 116.7424 111.5232 106.7347 102.3297 98.267134 241.3343 223.0965 207.0263 192.8062 180.1717 168.9022 158.8121 149.7448 141.5682 134.1697 127.4537 121.3384 115.7532 110.6378 105.9398 101.6138 97.6203

35 236.2666 218.7485 203.2792 189.5628 177.3525 166.4415 156.6556 147.8476 139.8926 132.6845 126.1325 120.1588 114.6968 109.6884 105.0839 100.8400 96.918536 231.4425 214.6092 199.7127 186.4774 174.6728 164.1053 154.6111 146.0520 138.3101 131.2850 124.8907 119.0536 113.7099 108.8047 104.2903 100.1252 96.273237 226.8129 210.6323 196.2829 183.5080 172.0923 161.8546 152.6412 144.3218 136.7854 129.9370 123.6953 117.9901 112.7612 107.9559 103.5288 99.4401 95.655438 222.6511 207.0696 193.2224 180.8703 169.8114 159.8761 150.9198 142.8195 135.4708 128.7836 122.6807 117.0954 111.9703 107.2552 102.9066 98.8867 95.162039 218.6674 203.6598 190.2947 178.3488 167.6338 157.9901 149.2822 141.3940 134.2270 127.6959 121.7275 116.2585 111.2342 106.6064 102.3342 98.3808 94.7143

40 214.6761 200.2336 187.3450 175.8022 165.4292 156.0767 147.6174 139.9425 132.9585 126.5852 120.7531 115.4022 110.4805 105.9423 101.7481 97.8630 94.256541 210.5391 196.6640 184.2559 173.1214 163.0964 154.0416 145.8377 138.3825 131.5882 125.3790 119.6895 114.4626 109.6490 105.2056 101.0943 97.2822 93.740042 206.2544 192.9462 181.0205 170.2976 160.6251 151.8731 143.9301 136.7005 130.1017 124.0624 118.5209 113.4236 108.7235 104.3797 100.3563 96.6217 93.148143 201.8201 189.0735 177.6275 167.3158 157.9970 149.5500 141.8711 134.8707 128.4713 122.6063 117.2174 112.2541 107.6719 103.4322 99.5008 95.8480 92.447044 197.3247 185.1264 174.1504 164.2432 155.2734 147.1288 139.7123 132.9405 126.7411 121.0511 115.8160 110.9882 106.5259 102.3923 98.5552 94.9862 91.6602

45 192.8421 181.1747 170.6556 161.1426 152.5140 144.6658 137.5075 130.9612 124.9595 119.4432 114.3613 109.6687 105.3262 101.2990 97.5567 94.0723 90.822046 187.9355 176.8134 166.7660 157.6623 149.3902 141.8530 134.9673 128.6606 122.8698 117.5401 112.6235 108.0778 103.8661 99.9558 96.3182 92.9278 89.762047 182.8841 172.3032 162.7255 154.0311 146.1166 138.8930 132.2830 126.2193 120.6436 115.5044 110.7573 106.3628 102.2862 98.4971 94.9682 91.6759 88.598548 178.3262 168.2408 159.0939 150.7749 143.1886 136.2528 129.8958 124.0554 118.6769 113.7128 109.1211 104.8651 100.9124 97.2341 93.8048 90.6020 87.605449 174.6468 164.9850 156.2054 148.2059 140.8981 134.2059 128.0626 122.4097 117.1967 112.3786 107.9164 103.7752 99.9247 96.3374 92.9895 89.8595 86.9282

50 171.2055 161.9401 153.5048 145.8051 138.7591 132.2961 126.3538 120.8779 115.8208 111.1407 106.8006 102.7679 99.0139 95.5127 92.2418 89.1806 86.311051 166.0334 157.2569 149.2515 141.9308 135.2201 129.0546 123.3767 118.1366 113.2905 108.7994 104.6291 100.7495 97.1337 93.7576 90.6000 87.6420 84.866552 161.1925 152.8680 145.2607 138.2918 131.8927 126.0037 120.5723 115.5523 110.9032 106.5888 102.5776 98.8414 95.3550 92.0964 89.0454 86.1844 83.497453 157.0761 149.1505 141.8945 135.2355 129.1108 123.4653 118.2504 113.4233 108.9468 104.7869 100.9145 97.3031 93.9295 90.7727 87.8139 85.0366 82.425654 154.0456 146.4479 139.4792 133.0730 127.1708 121.7218 116.6808 112.0081 107.6686 103.6310 99.8675 96.3536 93.0672 89.9888 87.1004 84.3866 81.8329

55 151.5060 144.2007 137.4883 131.3069 125.6026 120.3280 115.4411 110.9047 106.6861 102.7557 99.0878 95.6591 92.4487 89.4381 86.6107 83.9515 81.446856 147.1743 140.2498 133.8758 127.9959 122.5608 117.5271 112.8565 108.5145 104.4711 100.6990 97.1743 93.8755 90.7831 87.8801 85.1508 82.5812 80.158557 142.6129 136.0708 130.0380 124.4633 119.3018 114.5141 110.0648 105.9226 102.0599 98.4516 95.0757 91.9123 88.9434 86.1532 83.5272 81.0522 78.716658 137.9695 131.8019 126.1044 120.8305 115.9395 111.3953 107.1662 103.2232 99.5413 96.0973 92.8709 89.8440 87.0000 84.3240 81.8029 79.4243 77.177559 133.7144 127.8901 122.5003 117.5026 112.8602 108.5404 104.5141 100.7548 97.2395 93.9471 90.8588 87.9580 85.2293 82.6590 80.2347 77.9453 75.7806

60 129.2456 123.7633 118.6810 113.9607 109.5687 105.4758 101.6550 98.0826 94.7376 91.6005 88.6542 85.8833 83.2739 80.8133 78.4899 76.2936 74.214861 123.6103 118.5089 113.7716 109.3643 105.2570 101.4234 97.8394 94.4837 91.3372 88.3824 85.6040 82.9878 80.5212 78.1926 75.9915 73.9087 71.935362 119.1515 114.3677 109.9177 105.7707 101.9000 98.2815 94.8939 91.7174 88.7350 85.9307 83.2903 80.8012 78.4516 76.2311 74.1299 72.1396 70.252163 114.7740 110.2934 106.1183 102.2210 98.5777 95.1666 91.9684 88.9654 86.1420 83.4838 80.9779 78.6126 76.3774 74.2626 72.2594 70.3599 68.556764 110.4776 106.2860 102.3736 98.7158 95.2908 92.0792 89.0638 86.2285 83.5591 81.0427 78.6675 76.4229 74.2993 72.2878 70.3805 68.5701 66.8497
45

Table 16A.—DI Female Disabled Worker Annual Life Annuity (Due)1

(1991-1995 Social Security disability experience)

1 Present value of annual payments of $1 payable at the beginning of each year (annuity due), commencing with the year of entitlement and continuing thereafter for the life of the annuitant. Receipt of

payment is contingent upon survival to the next payment date. Payments are discounted to the beginning of entitlement using the annual effective interest rate shown and survivorship experience as shown intables 10B and 10C.

Select

age

Present value of annuity at given interest rate

1.0% 1.5% 2.0% 2.5% 3.0% 3.5% 4.0% 4.5% 5.0% 5.5% 6.0% 6.5% 7.0% 7.5% 8.0% 8.5% 9.0%

20 33.9169 30.4216 27.4753 24.9746 22.8375 20.9992 19.4081 18.0225 16.8090 15.7404 14.7943 13.9525 13.2001 12.5244 11.9151 11.3635 10.862221 33.3546 29.9630 27.0977 24.6607 22.5741 20.7761 19.2174 17.8581 16.6660 15.6148 14.6833 13.8536 13.1114 12.4443 11.8423 11.2970 10.801122 32.7933 29.5038 26.7187 24.3449 22.3085 20.5508 19.0246 17.6916 16.5210 15.4876 14.5707 13.7533 13.0214 12.3630 11.7685 11.2295 10.739123 32.2231 29.0355 26.3306 24.0204 22.0349 20.3180 18.8248 17.5187 16.3702 15.3550 14.4533 13.6487 12.9274 12.2781 11.6913 11.1590 10.674324 31.6416 28.5562 25.9321 23.6862 21.7523 20.0770 18.6176 17.3392 16.2135 15.2172 14.3312 13.5398 12.8297 12.1900 11.6113 11.0860 10.607425 31.0545 28.0707 25.5274 23.3461 21.4641 19.8310 18.4059 17.1557 16.0532 15.0763 14.2065 13.4287 12.7302 12.1003 11.5301 11.0120 10.539726 30.4628 27.5798 25.1168 23.0000 21.1702 19.5794 18.1890 16.9673 15.8885 14.9313 14.0781 13.3142 12.6275 12.0077 11.4462 10.9356 10.469827 29.8864 27.1008 24.7158 22.6617 20.8826 19.3331 17.9765 16.7828 15.7271 14.7892 13.9523 13.2021 12.5270 11.9172 11.3642 10.8610 10.401628 29.3273 26.6358 24.3261 22.3328 20.6030 19.0937 17.7701 16.6036 15.5705 14.6515 13.8304 13.0936 12.4299 11.8298 11.2852 10.7892 10.336029 28.7819 26.1816 23.9452 22.0111 20.3294 18.8594 17.5682 16.4283 15.4175 14.5171 13.7116 12.9880 12.3355 11.7450 11.2086 10.7197 10.2727

30 28.2635 25.7501 23.5836 21.7061 20.0704 18.6381 17.3778 16.2635 15.2740 14.3913 13.6008 12.8898 12.2480 11.6666 11.1381 10.6559 10.214831 27.7418 25.3140 23.2166 21.3952 19.8053 18.4106 17.1813 16.0928 15.1247 14.2601 13.4847 12.7866 12.1557 11.5837 11.0631 10.5880 10.152932 27.2194 24.8757 22.8465 21.0806 19.5362 18.1789 16.9806 15.9179 14.9714 14.1249 13.3648 12.6797 12.0600 11.4974 10.9851 10.5170 10.088133 26.7323 24.4679 22.5030 20.7895 19.2880 17.9661 16.7971 15.7587 14.8325 14.0031 13.2574 12.5845 11.9751 11.4215 10.9168 10.4553 10.032134 26.2382 24.0522 22.1512 20.4900 19.0315 17.7451 16.6056 15.5918 14.6863 13.8742 13.1432 12.4829 11.8842 11.3398 10.8430 10.3883 9.9711

35 25.7584 23.6482 21.8090 20.1985 18.7819 17.5301 16.4194 15.4297 14.5443 13.7493 13.0327 12.3846 11.7965 11.2610 10.7720 10.3241 9.912736 25.2640 23.2296 21.4527 19.8935 18.5193 17.3028 16.2216 15.2567 14.3922 13.6149 12.9134 12.2782 11.7011 11.1751 10.6943 10.2535 9.848437 24.7347 22.7783 21.0656 19.5596 18.2298 17.0505 16.0004 15.0619 14.2197 13.4615 12.7763 12.1550 11.5900 11.0746 10.6029 10.1701 9.771938 24.1826 22.3044 20.6567 19.2049 17.9203 16.7791 15.7612 14.8499 14.0311 13.2927 12.6246 12.0182 11.4660 10.9617 10.4998 10.0756 9.684939 23.6360 21.8343 20.2503 18.8517 17.6118 16.5082 15.5222 14.6381 13.8424 13.1239 12.4730 11.8814 11.3421 10.8490 10.3969 9.9813 9.5983

40 23.0961 21.3691 19.8473 18.5010 17.3050 16.2386 15.2842 14.4269 13.6543 12.9556 12.3218 11.7450 11.2186 10.7367 10.2945 9.8876 9.512241 22.5571 20.9032 19.4427 18.1478 16.9953 15.9658 15.0428 14.2124 13.4628 12.7840 12.1673 11.6055 11.0920 10.6216 10.1894 9.7913 9.423742 22.0177 20.4353 19.0349 17.7908 16.6813 15.6883 14.7966 13.9930 13.2664 12.6076 12.0082 11.4614 10.9611 10.5022 10.0801 9.6910 9.331443 21.5017 19.9874 18.6443 17.4486 16.3802 15.4223 14.5605 13.7826 13.0783 12.4386 11.8559 11.3236 10.8360 10.3883 9.9760 9.5955 9.243644 20.9672 19.5208 18.2351 17.0882 16.0614 15.1391 14.3079 13.5564 12.8750 12.2551 11.6897 11.1726 10.6983 10.2623 9.8604 9.4891 9.1453

45 20.4251 19.0456 17.8167 16.7182 15.7329 14.8462 14.0457 13.3208 12.6624 12.0627 11.5149 11.0132 10.5526 10.1285 9.7373 9.3755 9.040246 19.9164 18.5995 17.4240 16.3711 15.4248 14.5717 13.8002 13.1004 12.4638 11.8831 11.3520 10.8649 10.4172 10.0045 9.6234 9.2705 8.943247 19.4366 18.1788 17.0537 16.0438 15.1344 14.3131 13.5691 12.8932 12.2773 11.7147 11.1994 10.7263 10.2908 9.8890 9.5174 9.1731 8.853448 18.9955 17.7926 16.7142 15.7443 14.8693 14.0776 13.3592 12.7055 12.1089 11.5632 11.0626 10.6024 10.1783 9.7865 9.4239 9.0875 8.774849 18.5926 17.4404 16.4053 15.4726 14.6295 13.8653 13.1707 12.5375 11.9589 11.4287 10.9418 10.4936 10.0800 9.6976 9.3431 9.0140 8.7078

50 18.2025 17.0989 16.1055 15.2084 14.3961 13.6585 12.9868 12.3736 11.8124 11.2974 10.8239 10.3873 9.9840 9.6107 9.2643 8.9423 8.642451 17.7048 16.6562 15.7101 14.8542 14.0776 13.3712 12.7268 12.1376 11.5975 11.1012 10.6442 10.2223 9.8321 9.4704 9.1345 8.8219 8.530452 17.1888 16.1951 15.2968 14.4824 13.7421 13.0674 12.4510 11.8864 11.3681 10.8911 10.4512 10.0446 9.6680 9.3185 8.9936 8.6909 8.408453 16.7181 15.7749 14.9204 14.1443 13.4375 12.7921 12.2015 11.6596 11.1613 10.7022 10.2781 9.8856 9.5216 9.1834 8.8686 8.5750 8.300854 16.3355 15.4357 14.6190 13.8756 13.1974 12.5770 12.0083 11.4857 11.0044 10.5602 10.1494 9.7687 9.4152 9.0864 8.7799 8.4938 8.2263

55 15.9492 15.0920 14.3122 13.6012 12.9512 12.3557 11.8088 11.3054 10.8411 10.4120 10.0146 9.6458 9.3029 8.9836 8.6857 8.4072 8.146656 15.4856 14.6744 13.9350 13.2595 12.6408 12.0730 11.5506 11.0690 10.6242 10.2124 9.8305 9.4756 9.1453 8.8373 8.5496 8.2804 8.028157 15.0026 14.2373 13.5383 12.8984 12.3114 11.7715 11.2741 10.8148 10.3899 9.9960 9.6301 9.2897 8.9724 8.6762 8.3992 8.1397 7.896358 14.5318 13.8102 13.1499 12.5442 11.9875 11.4747 11.0013 10.5636 10.1579 9.7813 9.4311 9.1047 8.8002 8.5155 8.2490 7.9990 7.764359 14.0543 13.3755 12.7530 12.1810 11.6542 11.1681 10.7187 10.3024 9.9160 9.5568 9.2223 8.9101 8.6185 8.3455 8.0896 7.8494 7.6236

60 13.5644 12.9276 12.3425 11.8037 11.3067 10.8473 10.4219 10.0271 9.6602 9.3186 9.0000 8.7023 8.4238 8.1628 7.9178 7.6876 7.471061 13.0455 12.4507 11.9032 11.3981 10.9313 10.4990 10.0980 9.7254 9.3785 9.0550 8.7529 8.4702 8.2055 7.9570 7.7236 7.5040 7.297062 12.5665 12.0103 11.4973 11.0233 10.5843 10.1772 9.7988 9.4467 9.1184 8.8118 8.5250 8.2564 8.0045 7.7677 7.5451 7.3353 7.137563 12.0951 11.5758 11.0960 10.6517 10.2396 9.8567 9.5003 9.1681 8.8578 8.5677 8.2959 8.0411 7.8017 7.5765 7.3644 7.1644 6.975564 11.6312 11.1473 10.6991 10.2835 9.8972 9.5377 9.2025 8.8896 8.5969 8.3228 8.0658 7.8243 7.5972 7.3833 7.1817 6.9913 6.8113
46 Table 16B.—DI Female Disabled Worker Annual Life Annuity (Immediate)1

(1991-1995 Social Security disability experience)

1 Present value of annual payments of $1 payable at the end of each year (annuity immediate), commencing with the year of entitlement and continuing thereafter for the life of the annuitant. Receipt of

payment is contingent upon survival to the next payment date. Payments are discounted to the beginning of entitlement using the annual effective interest rate shown and survivorship experience as shown intables 10B and 10C.

Select

age

Present value of annuity at given interest rate

1.0% 1.5% 2.0% 2.5% 3.0% 3.5% 4.0% 4.5% 5.0% 5.5% 6.0% 6.5% 7.0% 7.5% 8.0% 8.5% 9.0%

20 32.9169 29.4216 26.4753 23.9746 21.8375 19.9992 18.4081 17.0225 15.8090 14.7404 13.7943 12.9525 12.2001 11.5244 10.9151 10.3635 9.862221 32.3546 28.9630 26.0977 23.6607 21.5741 19.7761 18.2174 16.8581 15.6660 14.6148 13.6833 12.8536 12.1114 11.4443 10.8423 10.2970 9.801122 31.7933 28.5038 25.7187 23.3449 21.3085 19.5508 18.0246 16.6916 15.5210 14.4876 13.5707 12.7533 12.0214 11.3630 10.7685 10.2295 9.739123 31.2231 28.0355 25.3306 23.0204 21.0349 19.3180 17.8248 16.5187 15.3702 14.3550 13.4533 12.6487 11.9274 11.2781 10.6913 10.1590 9.674324 30.6416 27.5562 24.9321 22.6862 20.7523 19.0770 17.6176 16.3392 15.2135 14.2172 13.3312 12.5398 11.8297 11.1900 10.6113 10.0860 9.607425 30.0545 27.0707 24.5274 22.3461 20.4641 18.8310 17.4059 16.1557 15.0532 14.0763 13.2065 12.4287 11.7302 11.1003 10.5301 10.0120 9.539726 29.4628 26.5798 24.1168 22.0000 20.1702 18.5794 17.1890 15.9673 14.8885 13.9313 13.0781 12.3142 11.6275 11.0077 10.4462 9.9356 9.469827 28.8864 26.1008 23.7158 21.6617 19.8826 18.3331 16.9765 15.7828 14.7271 13.7892 12.9523 12.2021 11.5270 10.9172 10.3642 9.8610 9.401628 28.3273 25.6358 23.3261 21.3328 19.6030 18.0937 16.7701 15.6036 14.5705 13.6515 12.8304 12.0936 11.4299 10.8298 10.2852 9.7892 9.336029 27.7819 25.1816 22.9452 21.0111 19.3294 17.8594 16.5682 15.4283 14.4175 13.5171 12.7116 11.9880 11.3355 10.7450 10.2086 9.7197 9.2727

30 27.2635 24.7501 22.5836 20.7061 19.0704 17.6381 16.3778 15.2635 14.2740 13.3913 12.6008 11.8898 11.2480 10.6666 10.1381 9.6559 9.214831 26.7418 24.3140 22.2166 20.3952 18.8053 17.4106 16.1813 15.0928 14.1247 13.2601 12.4847 11.7866 11.1557 10.5837 10.0631 9.5880 9.152932 26.2194 23.8757 21.8465 20.0806 18.5362 17.1789 15.9806 14.9179 13.9714 13.1249 12.3648 11.6797 11.0600 10.4974 9.9851 9.5170 9.088133 25.7323 23.4679 21.5030 19.7895 18.2880 16.9661 15.7971 14.7587 13.8325 13.0031 12.2574 11.5845 10.9751 10.4215 9.9168 9.4553 9.032134 25.2382 23.0522 21.1512 19.4900 18.0315 16.7451 15.6056 14.5918 13.6863 12.8742 12.1432 11.4829 10.8842 10.3398 9.8430 9.3883 8.9711

35 24.7584 22.6482 20.8090 19.1985 17.7819 16.5301 15.4194 14.4297 13.5443 12.7493 12.0327 11.3846 10.7965 10.2610 9.7720 9.3241 8.912736 24.2640 22.2296 20.4527 18.8935 17.5193 16.3028 15.2216 14.2567 13.3922 12.6149 11.9134 11.2782 10.7011 10.1751 9.6943 9.2535 8.848437 23.7347 21.7783 20.0656 18.5596 17.2298 16.0505 15.0004 14.0619 13.2197 12.4615 11.7763 11.1550 10.5900 10.0746 9.6029 9.1701 8.771938 23.1826 21.3044 19.6567 18.2049 16.9203 15.7791 14.7612 13.8499 13.0311 12.2927 11.6246 11.0182 10.4660 9.9617 9.4998 9.0756 8.684939 22.6360 20.8343 19.2503 17.8517 16.6118 15.5082 14.5222 13.6381 12.8424 12.1239 11.4730 10.8814 10.3421 9.8490 9.3969 8.9813 8.5983

40 22.0961 20.3691 18.8473 17.5010 16.3050 15.2386 14.2842 13.4269 12.6543 11.9556 11.3218 10.7450 10.2186 9.7367 9.2945 8.8876 8.512241 21.5571 19.9032 18.4427 17.1478 15.9953 14.9658 14.0428 13.2124 12.4628 11.7840 11.1673 10.6055 10.0920 9.6216 9.1894 8.7913 8.423742 21.0177 19.4353 18.0349 16.7908 15.6813 14.6883 13.7966 12.9930 12.2664 11.6076 11.0082 10.4614 9.9611 9.5022 9.0801 8.6910 8.331443 20.5017 18.9874 17.6443 16.4486 15.3802 14.4223 13.5605 12.7826 12.0783 11.4386 10.8559 10.3236 9.8360 9.3883 8.9760 8.5955 8.243644 19.9672 18.5208 17.2351 16.0882 15.0614 14.1391 13.3079 12.5564 11.8750 11.2551 10.6897 10.1726 9.6983 9.2623 8.8604 8.4891 8.1453

45 19.4251 18.0456 16.8167 15.7182 14.7329 13.8462 13.0457 12.3208 11.6624 11.0627 10.5149 10.0132 9.5526 9.1285 8.7373 8.3755 8.040246 18.9164 17.5995 16.4240 15.3711 14.4248 13.5717 12.8002 12.1004 11.4638 10.8831 10.3520 9.8649 9.4172 9.0045 8.6234 8.2705 7.943247 18.4366 17.1788 16.0537 15.0438 14.1344 13.3131 12.5691 11.8932 11.2773 10.7147 10.1994 9.7263 9.2908 8.8890 8.5174 8.1731 7.853448 17.9955 16.7926 15.7142 14.7443 13.8693 13.0776 12.3592 11.7055 11.1089 10.5632 10.0626 9.6024 9.1783 8.7865 8.4239 8.0875 7.774849 17.5926 16.4404 15.4053 14.4726 13.6295 12.8653 12.1707 11.5375 10.9589 10.4287 9.9418 9.4936 9.0800 8.6976 8.3431 8.0140 7.7078

50 17.2025 16.0989 15.1055 14.2084 13.3961 12.6585 11.9868 11.3736 10.8124 10.2974 9.8239 9.3873 8.9840 8.6107 8.2643 7.9423 7.642451 16.7048 15.6562 14.7101 13.8542 13.0776 12.3712 11.7268 11.1376 10.5975 10.1012 9.6442 9.2223 8.8321 8.4704 8.1345 7.8219 7.530452 16.1888 15.1951 14.2968 13.4824 12.7421 12.0674 11.4510 10.8864 10.3681 9.8911 9.4512 9.0446 8.6680 8.3185 7.9936 7.6909 7.408453 15.7181 14.7749 13.9204 13.1443 12.4375 11.7921 11.2015 10.6596 10.1613 9.7022 9.2781 8.8856 8.5216 8.1834 7.8686 7.5750 7.300854 15.3355 14.4357 13.6190 12.8756 12.1974 11.5770 11.0083 10.4857 10.0044 9.5602 9.1494 8.7687 8.4152 8.0864 7.7799 7.4938 7.2263

55 14.9492 14.0920 13.3122 12.6012 11.9512 11.3557 10.8088 10.3054 9.8411 9.4120 9.0146 8.6458 8.3029 7.9836 7.6857 7.4072 7.146656 14.4856 13.6744 12.9350 12.2595 11.6408 11.0730 10.5506 10.0690 9.6242 9.2124 8.8305 8.4756 8.1453 7.8373 7.5496 7.2804 7.028157 14.0026 13.2373 12.5383 11.8984 11.3114 10.7715 10.2741 9.8148 9.3899 8.9960 8.6301 8.2897 7.9724 7.6762 7.3992 7.1397 6.896358 13.5318 12.8102 12.1499 11.5442 10.9875 10.4747 10.0013 9.5636 9.1579 8.7813 8.4311 8.1047 7.8002 7.5155 7.2490 6.9990 6.764359 13.0543 12.3755 11.7530 11.1810 10.6542 10.1681 9.7187 9.3024 8.9160 8.5568 8.2223 7.9101 7.6185 7.3455 7.0896 6.8494 6.6236

60 12.5644 11.9276 11.3425 10.8037 10.3067 9.8473 9.4219 9.0271 8.6602 8.3186 8.0000 7.7023 7.4238 7.1628 6.9178 6.6876 6.471061 12.0455 11.4507 10.9032 10.3981 9.9313 9.4990 9.0980 8.7254 8.3785 8.0550 7.7529 7.4702 7.2055 6.9570 6.7236 6.5040 6.297062 11.5665 11.0103 10.4973 10.0233 9.5843 9.1772 8.7988 8.4467 8.1184 7.8118 7.5250 7.2564 7.0045 6.7677 6.5451 6.3353 6.137563 11.0951 10.5758 10.0960 9.6517 9.2396 8.8567 8.5003 8.1681 7.8578 7.5677 7.2959 7.0411 6.8017 6.5765 6.3644 6.1644 5.975564 10.6312 10.1473 9.6991 9.2835 8.8972 8.5377 8.2025 7.8896 7.5969 7.3228 7.0658 6.8243 6.5972 6.3833 6.1817 5.9913 5.8113
47

Table 16C.—DI Female Disabled Worker Monthly Life Annuity (Due)1

(1991-1995 Social Security disability experience)

1 Present value of monthly payments of $1 payable at the beginning of each month (annuity due), commencing with the year of entitlement and continuing thereafter for the life of the annuitant. Receipt of

payment is contingent upon survival to the next payment date. Payments are discounted to the beginning of entitlement using the annual effective interest rate shown and survivorship experience as shown intables 10B and 10C.

Select

age

Present value of annuity at given interest rate

1.0% 1.5% 2.0% 2.5% 3.0% 3.5% 4.0% 4.5% 5.0% 5.5% 6.0% 6.5% 7.0% 7.5% 8.0% 8.5% 9.0%

20 401.4861 359.5359 324.1752 294.1605 268.5102 246.4465 227.3482 210.7168 196.1501 183.3212 171.9635 161.8580 152.8240 144.7117 137.3960 130.7722 124.752121 394.7389 354.0325 319.6437 290.3936 265.3492 243.7691 225.0594 208.7428 194.4328 181.8147 170.6313 160.6712 151.7593 143.7498 136.5218 129.9730 124.017622 388.0030 348.5227 315.0951 286.6038 262.1626 241.0654 222.7451 206.7444 192.6927 180.2872 169.2802 159.4672 150.6789 142.7742 135.6353 129.1629 123.273323 381.1603 342.9029 310.4383 282.7105 258.8788 238.2714 220.3473 204.6696 190.8828 178.6962 167.8713 158.2105 149.5507 141.7550 134.7090 128.3165 122.496024 374.1827 337.1506 305.6554 278.6996 255.4868 235.3789 217.8608 202.5151 189.0017 177.0418 166.4058 156.9040 148.3783 140.6967 133.7485 127.4401 121.692325 367.1374 331.3252 300.7992 274.6182 252.0291 232.4264 215.3201 200.3125 187.0783 175.3505 164.9088 155.5704 147.1833 139.6197 132.7726 126.5514 120.879126 360.0363 325.4335 295.8721 270.4652 248.5014 229.4071 212.7168 198.0516 185.1012 173.6100 163.3667 154.1958 145.9508 138.5086 131.7658 125.6346 120.040527 353.1197 319.6862 291.0596 266.4049 245.0498 226.4514 210.1673 195.8371 183.1645 171.9052 161.8566 152.8501 144.7447 137.4218 130.7814 124.7386 119.221328 346.4104 314.1056 286.3835 262.4580 241.6942 223.5779 207.6897 193.6861 181.2849 170.2521 160.3937 151.5479 143.5791 136.3728 129.8325 123.8761 118.433829 339.8660 308.6555 281.8126 258.5974 238.4110 220.7665 205.2661 191.5832 179.4485 168.6385 158.9675 150.2801 142.4457 135.3544 128.9128 123.0416 117.6732

30 333.6446 303.4771 277.4733 254.9370 235.3027 218.1099 202.9809 189.6052 177.7257 167.1292 157.6374 149.1014 141.3956 134.4139 128.0663 122.2762 116.977831 327.3842 298.2436 273.0692 251.2061 232.1216 215.3800 200.6233 187.5563 175.9344 165.5538 156.2439 147.8620 140.2875 133.4181 127.1670 121.4602 116.234332 321.1158 292.9841 268.6273 247.4306 228.8917 212.5994 198.2147 185.4572 174.0941 163.9310 154.8051 146.5792 139.1379 132.3827 126.2301 120.6086 115.456733 315.2709 288.0904 264.5054 243.9376 225.9140 210.0460 196.0121 183.5465 172.4272 162.4688 153.5156 145.4362 138.1194 131.4708 125.4097 119.8673 114.783934 309.3409 283.1018 260.2833 240.3427 222.8351 207.3934 193.7137 181.5435 170.6720 160.9223 152.1458 144.2166 137.0282 130.4898 124.5237 119.0633 114.0514

35 303.5839 278.2537 256.1772 236.8455 219.8394 204.8130 191.4787 179.5971 168.9680 159.4226 150.8192 143.0374 135.9750 129.5446 123.6717 118.2920 113.350336 297.6502 273.2307 251.9011 233.1848 216.6882 202.0856 189.1054 177.5211 167.1426 157.8096 149.3867 141.7591 134.8291 128.5129 122.7387 117.4449 112.578037 291.2997 267.8144 247.2556 229.1783 213.2140 199.0567 186.4510 175.1828 165.0725 155.9680 147.7408 140.2814 133.4964 127.3061 121.6414 116.4433 111.660438 284.6739 262.1283 242.3489 224.9210 209.5000 195.7998 183.5799 172.6393 162.8082 153.9425 145.9207 138.6386 132.0075 125.9509 120.4033 115.3079 110.615539 278.1145 256.4872 237.4719 220.6823 205.7973 192.5489 180.7119 170.0968 160.5437 151.9167 144.1005 136.9964 130.5196 124.5978 119.1681 114.1763 109.5752

40 271.6359 250.9043 232.6364 216.4734 202.1158 189.3134 177.8549 167.5627 158.2860 149.8967 142.2855 135.3590 129.0370 123.2502 117.9387 113.0510 108.541841 265.1679 245.3135 227.7802 212.2349 198.3992 186.0392 174.9575 164.9874 155.9873 147.8363 140.4314 133.6840 127.5181 121.8679 116.6764 111.8945 107.478742 258.6946 239.6989 222.8870 207.9506 194.6307 182.7095 172.0027 162.3541 153.6307 145.7188 138.5213 131.9546 125.9466 120.4347 115.3651 110.6907 106.370343 252.5034 234.3238 218.1994 203.8441 191.0175 179.5167 169.1695 159.8297 151.3724 143.6908 136.6933 130.3008 124.4452 119.0670 114.1151 109.5446 105.316344 246.0886 228.7239 213.2887 199.5190 187.1916 176.1182 166.1381 157.1150 148.9319 141.4886 134.6987 128.4880 122.7919 117.5544 112.7268 108.2666 104.1364

45 239.5837 223.0214 208.2677 195.0791 183.2489 172.6027 162.9911 154.2868 146.3807 139.1788 132.6001 126.5748 121.0420 115.9488 111.2491 106.9026 102.873946 233.4786 217.6688 203.5555 190.9134 179.5517 169.3084 160.0446 151.6415 143.9972 137.0236 130.6448 124.7948 119.4166 114.4600 109.8813 105.6424 101.709647 227.7213 212.6203 199.1110 186.9855 176.0671 166.2055 157.2715 149.1543 141.7587 135.0022 128.8135 123.1305 117.8992 113.0726 108.6090 104.4725 100.630948 222.4288 207.9856 195.0373 183.3920 172.8859 163.3794 154.7525 146.9017 139.7376 133.1832 127.1712 121.6435 116.5488 111.8427 107.4860 103.4443 99.687249 217.5931 203.7592 191.3310 180.1311 170.0078 160.8313 152.4893 144.8857 137.9366 131.5696 125.7216 120.3375 115.3694 110.7748 106.5167 102.5623 98.8828

50 212.9121 199.6613 187.7324 176.9609 167.2065 158.3485 150.2826 142.9186 136.1783 129.9937 124.3056 119.0618 114.2172 109.7317 105.5702 101.7015 98.098251 206.9402 194.3478 182.9879 172.7099 163.3846 154.9011 147.1629 140.0866 133.5998 127.6388 122.1488 117.0810 112.3932 108.0476 104.0114 100.2552 96.753252 200.7482 188.8152 178.0276 168.2479 159.3579 151.2558 143.8526 137.0716 130.8458 125.1163 119.8319 114.9475 110.4234 106.2247 102.3204 98.6830 95.288253 195.0997 183.7727 173.5117 164.1909 155.7021 147.9515 140.8577 134.3493 128.3644 122.8485 117.7540 113.0388 108.6659 104.6026 100.8198 97.2919 93.995654 190.5084 179.7027 169.8938 160.9664 152.8206 145.3701 138.5391 132.2619 126.4807 121.1447 116.2095 111.6356 107.3886 103.4375 99.7549 96.3167 93.1012

55 185.8721 175.5770 166.2126 157.6729 149.8665 142.7137 136.1446 130.0982 124.5211 119.3660 114.5913 110.1605 106.0410 102.2039 98.6235 95.2771 92.144256 180.3090 170.5661 161.6860 153.5724 146.1414 139.3207 133.0459 127.2611 121.9169 116.9699 112.3816 108.1179 104.1488 100.4472 96.9894 93.7539 90.721657 174.5128 165.3205 156.9252 149.2396 142.1879 135.7035 129.7281 124.2104 119.1052 114.3722 109.9763 105.8860 102.0733 98.5133 95.1837 92.0648 89.138758 168.8638 160.1962 152.2642 144.9888 138.3009 132.1405 126.4540 121.1945 116.3208 111.7957 107.5870 103.6656 100.0056 96.5839 93.3801 90.3756 87.553859 163.1340 154.9791 147.5015 140.6296 134.3012 128.4616 123.0621 118.0601 113.4178 109.1013 105.0808 101.3298 97.8243 94.5432 91.4672 88.5793 85.8640

60 157.2547 149.6040 142.5749 136.1028 130.1316 124.6120 119.5000 114.7566 110.3475 106.2418 102.4124 98.8347 95.4869 92.3495 89.4048 86.6370 84.031961 151.0282 143.8818 137.3032 131.2345 125.6254 120.4313 115.6127 111.1345 106.9655 103.0778 99.4464 96.0492 92.8662 89.8795 87.0728 84.4320 81.943562 145.2794 138.5969 132.4332 126.7366 121.4619 116.5691 112.0224 107.7901 103.8441 100.1589 96.7117 93.4826 90.4532 87.6071 84.9293 82.4068 80.027363 139.6222 133.3828 127.6166 122.2775 117.3249 112.7229 108.4395 104.4459 100.7167 97.2289 93.9619 90.8974 88.0186 85.3106 82.7599 80.3543 78.082664 134.0565 128.2400 122.8544 117.8584 113.2158 108.8946 104.8658 101.1037 97.5853 94.2899 91.1988 88.2953 85.5643 82.9921 80.5665 78.2761 76.1108
48 Table 16D.—DI Female Disabled Worker Monthly Life Annuity (Immediate)1

(1991-1995 Social Security disability experience)

1 Present value of monthly payments of $1 payable at the end of each month (annuity immediate), commencing with the year of entitlement and continuing thereafter for the life of the annuitant. Receipt of

payment is contingent upon survival to the next payment date. Payments are discounted to the beginning of entitlement using the annual effective interest rate shown and survivorship experience as shown intables 10B and 10C.

Select

age

Present value of annuity at given interest rate

1.0% 1.5% 2.0% 2.5% 3.0% 3.5% 4.0% 4.5% 5.0% 5.5% 6.0% 6.5% 7.0% 7.5% 8.0% 8.5% 9.0%

20 400.4861 358.5359 323.1752 293.1605 267.5102 245.4465 226.3482 209.7168 195.1501 182.3212 170.9635 160.8580 151.8240 143.7117 136.3960 129.7722 123.752121 393.7389 353.0325 318.6437 289.3936 264.3492 242.7691 224.0594 207.7428 193.4328 180.8147 169.6313 159.6712 150.7593 142.7498 135.5218 128.9730 123.017622 387.0030 347.5227 314.0951 285.6038 261.1626 240.0654 221.7451 205.7444 191.6927 179.2872 168.2802 158.4672 149.6789 141.7742 134.6353 128.1629 122.273323 380.1603 341.9029 309.4383 281.7105 257.8788 237.2714 219.3473 203.6696 189.8828 177.6962 166.8713 157.2105 148.5507 140.7550 133.7090 127.3165 121.496024 373.1827 336.1506 304.6554 277.6996 254.4868 234.3789 216.8608 201.5151 188.0017 176.0418 165.4058 155.9040 147.3783 139.6967 132.7485 126.4401 120.692325 366.1374 330.3252 299.7992 273.6182 251.0291 231.4264 214.3201 199.3125 186.0783 174.3505 163.9088 154.5704 146.1833 138.6197 131.7726 125.5514 119.879126 359.0363 324.4335 294.8721 269.4652 247.5014 228.4071 211.7168 197.0516 184.1012 172.6100 162.3667 153.1958 144.9508 137.5086 130.7658 124.6346 119.040527 352.1197 318.6862 290.0596 265.4049 244.0498 225.4514 209.1673 194.8371 182.1645 170.9052 160.8566 151.8501 143.7447 136.4218 129.7814 123.7386 118.221328 345.4104 313.1056 285.3835 261.4580 240.6942 222.5779 206.6897 192.6861 180.2849 169.2521 159.3937 150.5479 142.5791 135.3728 128.8325 122.8761 117.433829 338.8660 307.6555 280.8126 257.5974 237.4110 219.7665 204.2661 190.5832 178.4485 167.6385 157.9675 149.2801 141.4457 134.3544 127.9128 122.0416 116.6732

30 332.6446 302.4771 276.4733 253.9370 234.3027 217.1099 201.9809 188.6052 176.7257 166.1292 156.6374 148.1014 140.3956 133.4139 127.0663 121.2762 115.977831 326.3842 297.2436 272.0692 250.2061 231.1216 214.3800 199.6233 186.5563 174.9344 164.5538 155.2439 146.8620 139.2875 132.4181 126.1670 120.4602 115.234332 320.1158 291.9841 267.6273 246.4306 227.8917 211.5994 197.2147 184.4572 173.0941 162.9310 153.8051 145.5792 138.1379 131.3827 125.2301 119.6086 114.456733 314.2709 287.0904 263.5054 242.9376 224.9140 209.0460 195.0121 182.5465 171.4272 161.4688 152.5156 144.4362 137.1194 130.4708 124.4097 118.8673 113.783934 308.3409 282.1018 259.2833 239.3427 221.8351 206.3934 192.7137 180.5435 169.6720 159.9223 151.1458 143.2166 136.0282 129.4898 123.5237 118.0633 113.0514

35 302.5839 277.2537 255.1772 235.8455 218.8394 203.8130 190.4787 178.5971 167.9680 158.4226 149.8192 142.0374 134.9750 128.5446 122.6717 117.2920 112.350336 296.6502 272.2307 250.9011 232.1848 215.6882 201.0856 188.1054 176.5211 166.1426 156.8096 148.3867 140.7591 133.8291 127.5129 121.7387 116.4449 111.578037 290.2997 266.8144 246.2556 228.1783 212.2140 198.0567 185.4510 174.1828 164.0725 154.9680 146.7408 139.2814 132.4964 126.3061 120.6414 115.4433 110.660438 283.6739 261.1283 241.3489 223.9210 208.5000 194.7998 182.5799 171.6393 161.8082 152.9425 144.9207 137.6386 131.0075 124.9509 119.4033 114.3079 109.615539 277.1145 255.4872 236.4719 219.6823 204.7973 191.5489 179.7119 169.0968 159.5437 150.9167 143.1005 135.9964 129.5196 123.5978 118.1681 113.1763 108.5752

40 270.6359 249.9043 231.6364 215.4734 201.1158 188.3134 176.8549 166.5627 157.2860 148.8967 141.2855 134.3590 128.0370 122.2502 116.9387 112.0510 107.541841 264.1679 244.3135 226.7802 211.2349 197.3992 185.0392 173.9575 163.9874 154.9873 146.8363 139.4314 132.6840 126.5181 120.8679 115.6764 110.8945 106.478742 257.6946 238.6989 221.8870 206.9506 193.6307 181.7095 171.0027 161.3541 152.6307 144.7188 137.5213 130.9546 124.9466 119.4347 114.3651 109.6907 105.370343 251.5034 233.3238 217.1994 202.8441 190.0175 178.5167 168.1695 158.8297 150.3724 142.6908 135.6933 129.3008 123.4452 118.0670 113.1151 108.5446 104.316344 245.0886 227.7239 212.2887 198.5190 186.1916 175.1182 165.1381 156.1150 147.9319 140.4886 133.6987 127.4880 121.7919 116.5544 111.7268 107.2666 103.1364

45 238.5837 222.0214 207.2677 194.0791 182.2489 171.6027 161.9911 153.2868 145.3807 138.1788 131.6001 125.5748 120.0420 114.9488 110.2491 105.9026 101.873946 232.4786 216.6688 202.5555 189.9134 178.5517 168.3084 159.0446 150.6415 142.9972 136.0236 129.6448 123.7948 118.4166 113.4600 108.8813 104.6424 100.709647 226.7213 211.6203 198.1110 185.9855 175.0671 165.2055 156.2715 148.1543 140.7587 134.0022 127.8135 122.1305 116.8992 112.0726 107.6090 103.4725 99.630948 221.4288 206.9856 194.0373 182.3920 171.8859 162.3794 153.7525 145.9017 138.7376 132.1832 126.1712 120.6435 115.5488 110.8427 106.4860 102.4443 98.687249 216.5931 202.7592 190.3310 179.1311 169.0078 159.8313 151.4893 143.8857 136.9366 130.5696 124.7216 119.3375 114.3694 109.7748 105.5167 101.5623 97.8828

50 211.9121 198.6613 186.7324 175.9609 166.2065 157.3485 149.2826 141.9186 135.1783 128.9937 123.3056 118.0618 113.2172 108.7317 104.5702 100.7015 97.098251 205.9402 193.3478 181.9879 171.7099 162.3846 153.9011 146.1629 139.0866 132.5998 126.6388 121.1488 116.0810 111.3932 107.0476 103.0114 99.2552 95.753252 199.7482 187.8152 177.0276 167.2479 158.3579 150.2558 142.8526 136.0716 129.8458 124.1163 118.8319 113.9475 109.4234 105.2247 101.3204 97.6830 94.288253 194.0997 182.7727 172.5117 163.1909 154.7021 146.9515 139.8577 133.3493 127.3644 121.8485 116.7540 112.0388 107.6659 103.6026 99.8198 96.2919 92.995654 189.5084 178.7027 168.8938 159.9664 151.8206 144.3701 137.5391 131.2619 125.4807 120.1447 115.2095 110.6356 106.3886 102.4375 98.7549 95.3167 92.1012

55 184.8721 174.5770 165.2126 156.6729 148.8665 141.7137 135.1446 129.0982 123.5211 118.3660 113.5913 109.1605 105.0410 101.2039 97.6235 94.2771 91.144256 179.3090 169.5661 160.6860 152.5724 145.1414 138.3207 132.0459 126.2611 120.9169 115.9699 111.3816 107.1179 103.1488 99.4472 95.9894 92.7539 89.721657 173.5128 164.3205 155.9252 148.2396 141.1879 134.7035 128.7281 123.2104 118.1052 113.3722 108.9763 104.8860 101.0733 97.5133 94.1837 91.0648 88.138758 167.8638 159.1962 151.2642 143.9888 137.3009 131.1405 125.4540 120.1945 115.3208 110.7957 106.5870 102.6656 99.0056 95.5839 92.3801 89.3756 86.553859 162.1340 153.9791 146.5015 139.6296 133.3012 127.4616 122.0621 117.0601 112.4178 108.1013 104.0808 100.3298 96.8243 93.5432 90.4672 87.5793 84.8640

60 156.2547 148.6040 141.5749 135.1028 129.1316 123.6120 118.5000 113.7566 109.3475 105.2418 101.4124 97.8347 94.4869 91.3495 88.4048 85.6370 83.031961 150.0282 142.8818 136.3032 130.2345 124.6254 119.4313 114.6127 110.1345 105.9655 102.0778 98.4464 95.0492 91.8662 88.8795 86.0728 83.4320 80.943562 144.2794 137.5969 131.4332 125.7366 120.4619 115.5691 111.0224 106.7901 102.8441 99.1589 95.7117 92.4826 89.4532 86.6071 83.9293 81.4068 79.027363 138.6222 132.3828 126.6166 121.2775 116.3249 111.7229 107.4395 103.4459 99.7167 96.2289 92.9619 89.8974 87.0186 84.3106 81.7599 79.3543 77.082664 133.0565 127.2400 121.8544 116.8584 112.2158 107.8946 103.8658 100.1037 96.5853 93.2899 90.1988 87.2953 84.5643 81.9921 79.5665 77.2761 75.1108
49

Table 17A.—DI Male Disabled Worker Annual Life Annuity to Age 65 (Due)1

(1991-1995 Social Security disability experience)

1 Present value of annual payments of $1 payable at the beginning of each year (annuity due), commencing with the year of entitlement and continuing up to age 65. Receipt of payment is contingent upon

survival under all forms of decrement to the next payment date. Payments are discounted to the beginning of entitlement using the annual effective interest rate shown and survivorship experience as shownin table 11A.

Select

age

Present value of annuity at given interest rate

1.0% 1.5% 2.0% 2.5% 3.0% 3.5% 4.0% 4.5% 5.0% 5.5% 6.0% 6.5% 7.0% 7.5% 8.0% 8.5% 9.0%

20 21.4660 19.8520 18.4314 17.1766 16.0641 15.0743 14.1906 13.3989 12.6872 12.0453 11.4645 10.9373 10.4574 10.0191 9.6177 9.2491 8.909721 21.3646 19.7769 18.3764 17.1368 16.0357 15.0544 14.1769 13.3896 12.6809 12.0410 11.4614 10.9348 10.4550 10.0165 9.6147 9.2455 8.905522 21.1812 19.6282 18.2552 17.0373 15.9535 14.9858 14.1190 13.3401 12.6380 12.0033 11.4276 10.9042 10.4267 9.9901 9.5897 9.2215 8.882223 20.8719 19.3654 18.0304 16.8437 15.7853 14.8386 13.9891 13.2245 12.5343 11.9094 11.3420 10.8254 10.3538 9.9220 9.5258 9.1612 8.824924 20.4138 18.9669 17.6815 16.5363 15.5129 14.5956 13.7709 13.0274 12.3551 11.7455 11.1913 10.6861 10.2243 9.8011 9.4124 9.0544 8.723925 19.8427 18.4641 17.2365 16.1402 15.1583 14.2764 13.4821 12.7646 12.1148 11.5247 10.9874 10.4970 10.0481 9.6363 9.2576 8.9086 8.586126 19.2418 17.9332 16.7650 15.7193 14.7806 13.9358 13.1733 12.4833 11.8573 11.2880 10.7688 10.2941 9.8592 9.4597 9.0919 8.7526 8.438827 18.6710 17.4291 16.3178 15.3206 14.4234 13.6142 12.8824 12.2189 11.6159 11.0665 10.5647 10.1054 9.6839 9.2962 8.9389 8.6089 8.303428 18.1524 16.9726 15.9141 14.9620 14.1035 13.3274 12.6242 11.9853 11.4036 10.8728 10.3871 9.9418 9.5327 9.1559 8.8082 8.4867 8.188829 17.6825 16.5605 15.5511 14.6410 13.8185 13.0733 12.3966 11.7806 11.2188 10.7051 10.2344 9.8021 9.4044 9.0376 8.6987 8.3849 8.0938

30 17.2675 16.1983 15.2342 14.3626 13.5731 12.8561 12.2037 11.6088 11.0650 10.5669 10.1097 9.6892 9.3017 8.9439 8.6128 8.3059 8.020931 16.9126 15.8913 14.9679 14.1311 13.3713 12.6798 12.0492 11.4729 10.9451 10.4609 10.0156 9.6055 9.2269 8.8768 8.5524 8.2514 7.971532 16.5658 15.5910 14.7073 13.9045 13.1738 12.5073 11.8982 11.3404 10.8285 10.3580 9.9247 9.5248 9.1551 8.8127 8.4951 8.1999 7.925133 16.2466 15.3157 14.4696 13.6990 12.9959 12.3532 11.7644 11.2242 10.7275 10.2700 9.8479 9.4578 9.0965 8.7614 8.4501 8.1604 7.890334 15.9399 15.0513 14.2416 13.5023 12.8261 12.2065 11.6377 11.1147 10.6329 10.1882 9.7772 9.3966 9.0436 8.7157 8.4106 8.1263 7.8610

35 15.6226 14.7764 14.0031 13.2954 12.6465 12.0504 11.5021 10.9967 10.5302 10.0989 9.6995 9.3289 8.9847 8.6644 8.3660 8.0875 7.827136 15.3130 14.5078 13.7700 13.0931 12.4708 11.8979 11.3697 10.8818 10.4305 10.0124 9.6244 9.2639 8.9285 8.6158 8.3240 8.0513 7.796037 15.0086 14.2430 13.5398 12.8928 12.2966 11.7465 11.2380 10.7674 10.3311 9.9262 9.5497 9.1992 8.8725 8.5675 8.2824 8.0155 7.765438 14.7243 13.9962 13.3257 12.7071 12.1358 11.6073 11.1177 10.6636 10.2417 9.8493 9.4838 9.1429 8.8246 8.5269 8.2482 7.9869 7.741739 14.4320 13.7412 13.1033 12.5134 11.9671 11.4605 10.9902 10.5529 10.1458 9.7664 9.4123 9.0815 8.7719 8.4819 8.2100 7.9547 7.7146

40 14.1252 13.4720 12.8671 12.3062 11.7855 11.3015 10.8511 10.4313 10.0398 9.6740 9.3320 9.0118 8.7116 8.4299 8.1653 7.9165 7.682241 13.8022 13.1867 12.6152 12.0839 11.5894 11.1286 10.6987 10.2972 9.9218 9.5704 9.2411 8.9322 8.6421 8.3693 8.1127 7.8708 7.642842 13.4575 12.8801 12.3424 11.8412 11.3736 10.9367 10.5281 10.1456 9.7872 9.4509 9.1351 8.8383 8.5590 8.2959 8.0478 7.8138 7.592643 13.0839 12.5448 12.0415 11.5710 11.1308 10.7186 10.3322 9.9695 9.6289 9.3087 9.0073 8.7234 8.4557 8.2031 7.9645 7.7389 7.525544 12.6890 12.1879 11.7188 11.2791 10.8667 10.4794 10.1155 9.7732 9.4510 9.1473 8.8609 8.5905 8.3351 8.0936 7.8650 7.6485 7.4433

45 12.2794 11.8157 11.3803 10.9712 10.5865 10.2243 9.8831 9.5613 9.2577 8.9710 8.7000 8.4436 8.2008 7.9709 7.7528 7.5459 7.349446 11.8312 11.4053 11.0043 10.6264 10.2701 9.9338 9.6162 9.3161 9.0321 8.7633 8.5087 8.2673 8.0382 7.8208 7.6142 7.4178 7.230947 11.3689 10.9800 10.6128 10.2658 9.9377 9.6273 9.3334 9.0549 8.7908 8.5402 8.3023 8.0762 7.8613 7.6568 7.4621 7.2766 7.099848 10.9280 10.5738 10.2383 9.9205 9.6191 9.3333 9.0619 8.8041 8.5591 8.3260 8.1042 7.8930 7.6917 7.4998 7.3167 7.1420 6.975049 10.5151 10.1928 9.8868 9.5961 9.3197 9.0568 8.8066 8.5684 8.3413 8.1249 7.9184 7.7213 7.5330 7.3532 7.1812 7.0168 6.8593

50 10.0901 9.7989 9.5216 9.2574 9.0056 8.7654 8.5362 8.3174 8.1084 7.9086 7.7176 7.5349 7.3599 7.1924 7.0319 6.8781 6.730551 9.5529 9.2951 9.0489 8.8137 8.5888 8.3738 8.1680 7.9711 7.7825 7.6018 7.4286 7.2625 7.1031 6.9501 6.8033 6.6621 6.526552 9.0142 8.7878 8.5711 8.3634 8.1643 7.9734 7.7903 7.6146 7.4458 7.2837 7.1280 6.9783 6.8343 6.6958 6.5624 6.4341 6.310453 8.4962 8.2989 8.1094 7.9273 7.7523 7.5840 7.4221 7.2663 7.1164 6.9719 6.8328 6.6988 6.5695 6.4449 6.3247 6.2087 6.096654 8.0058 7.8349 7.6704 7.5118 7.3589 7.2116 7.0694 6.9322 6.7999 6.6720 6.5486 6.4293 6.3141 6.2027 6.0950 5.9908 5.8899

55 7.5060 7.3601 7.2191 7.0829 6.9512 6.8239 6.7008 6.5816 6.4663 6.3547 6.2467 6.1420 6.0406 5.9423 5.8471 5.7547 5.665156 6.9026 6.7822 6.6656 6.5525 6.4429 6.3366 6.2335 6.1335 6.0365 5.9423 5.8508 5.7620 5.6757 5.5919 5.5105 5.4313 5.354457 6.2671 6.1706 6.0768 5.9857 5.8971 5.8109 5.7271 5.6455 5.5662 5.4889 5.4137 5.3405 5.2692 5.1998 5.1321 5.0662 5.001958 5.6059 5.5313 5.4586 5.3877 5.3186 5.2511 5.1853 5.1212 5.0585 4.9974 4.9377 4.8795 4.8226 4.7670 4.7127 4.6597 4.607959 4.9299 4.8747 4.8208 4.7680 4.7164 4.6660 4.6166 4.5683 4.5210 4.4747 4.4294 4.3850 4.3416 4.2991 4.2574 4.2166 4.1766

60 4.2172 4.1792 4.1418 4.1052 4.0693 4.0341 3.9995 3.9655 3.9322 3.8995 3.8674 3.8359 3.8049 3.7745 3.7446 3.7153 3.686561 3.4496 3.4262 3.4031 3.3804 3.3580 3.3361 3.3144 3.2931 3.2721 3.2515 3.2312 3.2111 3.1914 3.1720 3.1529 3.1340 3.115562 2.6795 2.6673 2.6552 2.6433 2.6316 2.6200 2.6085 2.5972 2.5861 2.5750 2.5642 2.5534 2.5428 2.5323 2.5219 2.5117 2.501663 1.8702 1.8659 1.8617 1.8575 1.8533 1.8492 1.8451 1.8411 1.8371 1.8331 1.8292 1.8253 1.8214 1.8176 1.8138 1.8101 1.806364 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
50 Table 17B.—DI Male Disabled Worker Annual Life Annuity to Age 65 (Immediate)1

(1991-1995 Social Security disability experience)

1 Present value of annual payments of $1 payable at the end of each year (annuity immediate), commencing with the year of entitlement and continuing up to age 65. Receipt of payment is contingent upon

survival under all forms of decrement to the next payment date. Payments are discounted to the beginning of entitlement using the annual effective interest rate shown and survivorship experience as shownin table 11A.

Select

age

Present value of annuity at given interest rate

1.0% 1.5% 2.0% 2.5% 3.0% 3.5% 4.0% 4.5% 5.0% 5.5% 6.0% 6.5% 7.0% 7.5% 8.0% 8.5% 9.0%

20 20.6310 18.9841 17.5374 16.2616 15.1324 14.1292 13.2348 12.4345 11.7160 11.0685 10.4833 9.9525 9.4697 9.0290 8.6258 8.2557 7.915021 20.5369 18.9155 17.4881 16.2268 15.1084 14.1131 13.2244 12.4280 11.7121 11.0663 10.4819 9.9515 9.4686 9.0276 8.6237 8.2529 7.911522 20.3600 18.7728 17.3723 16.1322 15.0305 14.0483 13.1698 12.3814 11.6717 11.0307 10.4500 9.9224 9.4417 9.0023 8.5997 8.2297 7.889023 20.0561 18.5151 17.1522 15.9429 14.8662 13.9046 13.0430 12.2686 11.5704 10.9389 10.3662 9.8453 9.3701 8.9355 8.5368 8.1703 7.832424 19.6019 18.1205 16.8071 15.6391 14.5971 13.6646 12.8275 12.0739 11.3934 10.7770 10.2173 9.7075 9.2420 8.8157 8.4244 8.0643 7.732225 19.0333 17.6206 16.3650 15.2459 14.2453 13.3481 12.5412 11.8134 11.1551 10.5581 10.0150 9.5198 9.0671 8.6521 8.2707 7.9194 7.595226 18.4345 17.0921 15.8962 14.8277 13.8703 13.0100 12.2348 11.5344 10.8997 10.3232 9.7980 9.3185 8.8795 8.4766 8.1061 7.7644 7.448627 17.8660 16.5908 15.4519 14.4320 13.5160 12.6912 11.9465 11.2724 10.6605 10.1037 9.5958 9.1314 8.7056 8.3144 7.9542 7.6217 7.314228 17.3502 16.1374 15.0515 14.0767 13.1993 12.4075 11.6911 11.0414 10.4507 9.9122 9.4202 8.9697 8.5561 8.1756 7.8248 7.5007 7.200529 16.8837 15.7289 14.6923 13.7594 12.9178 12.1567 11.4667 10.8397 10.2685 9.7470 9.2697 8.8319 8.4296 8.0589 7.7167 7.4001 7.1067

30 16.4728 15.3711 14.3796 13.4852 12.6764 11.9434 11.2775 10.6711 10.1177 9.6115 9.1475 8.7213 8.3290 7.9670 7.6325 7.3226 7.035131 16.1231 15.0693 14.1185 13.2587 12.4794 11.7714 11.1270 10.5390 10.0013 9.5087 9.0564 8.6402 8.2565 7.9020 7.5740 7.2698 6.987232 15.7818 14.7745 13.8634 13.0373 12.2869 11.6037 10.9804 10.4105 9.8885 9.4093 8.9685 8.5623 8.1873 7.8403 7.5188 7.2202 6.942533 15.4688 14.5054 13.6317 12.8377 12.1146 11.4548 10.8515 10.2989 9.7916 9.3251 8.8953 8.4985 8.1316 7.7916 7.4761 7.1828 6.909734 15.1688 14.2478 13.4103 12.6473 11.9508 11.3138 10.7302 10.1943 9.7015 9.2475 8.8284 8.4409 8.0819 7.7489 7.4393 7.1512 6.8825

35 14.8585 13.9798 13.1787 12.4470 11.7775 11.1637 10.6001 10.0816 9.6038 9.1627 8.7548 8.3770 8.0265 7.7008 7.3976 7.1150 6.851136 14.5566 13.7188 12.9531 12.2519 11.6087 11.0178 10.4739 9.9725 9.5094 9.0812 8.6844 8.3163 7.9742 7.6557 7.3589 7.0818 6.822737 14.2604 13.4624 12.7309 12.0595 11.4421 10.8735 10.3490 9.8644 9.4160 9.0005 8.6148 8.2563 7.9226 7.6114 7.3210 7.0494 6.795238 13.9856 13.2250 12.5260 11.8827 11.2897 10.7423 10.2363 9.7677 9.3333 8.9299 8.5547 8.2054 7.8796 7.5754 7.2910 7.0247 6.775039 13.7033 12.9799 12.3133 11.6983 11.1300 10.6042 10.1169 9.6648 9.2447 8.8538 8.4896 8.1498 7.8324 7.5355 7.2575 6.9968 6.7520

40 13.4069 12.7209 12.0872 11.5010 10.9580 10.4544 9.9866 9.5515 9.1464 8.7687 8.4161 8.0866 7.7781 7.4892 7.2181 6.9634 6.724041 13.0944 12.4463 11.8459 11.2890 10.7719 10.2911 9.8435 9.4262 9.0369 8.6731 8.3327 8.0140 7.7152 7.4347 7.1712 6.9232 6.689742 12.7605 12.1505 11.5840 11.0571 10.5666 10.1093 9.6826 9.2840 8.9112 8.5621 8.2349 7.9278 7.6393 7.3681 7.1127 6.8721 6.645143 12.3979 11.8265 11.2942 10.7980 10.3348 9.9019 9.4971 9.1179 8.7625 8.4290 8.1157 7.8212 7.5439 7.2827 7.0364 6.8039 6.584144 12.0145 11.4813 10.9834 10.5179 10.0823 9.6742 9.2915 8.9324 8.5949 8.2776 7.9789 7.6974 7.4320 7.1814 6.9447 6.7209 6.5090

45 11.6171 11.1216 10.6576 10.2226 9.8146 9.4313 9.0711 8.7322 8.4130 8.1122 7.8284 7.5605 7.3073 7.0679 6.8412 6.6265 6.422946 11.1807 10.7234 10.2941 9.8905 9.5109 9.1534 8.8166 8.4990 8.1992 7.9160 7.6482 7.3949 7.1550 6.9276 6.7120 6.5074 6.313047 10.7307 10.3110 9.9157 9.5432 9.1919 8.8602 8.5470 8.2508 7.9706 7.7052 7.4538 7.2155 6.9893 6.7745 6.5703 6.3762 6.191548 10.3041 9.9195 9.5563 9.2131 8.8886 8.5814 8.2905 8.0148 7.7534 7.5052 7.2696 7.0456 6.8327 6.6300 6.4371 6.2532 6.077949 9.9086 9.5565 9.2230 8.9070 8.6073 8.3230 8.0530 7.7966 7.5527 7.3208 7.1000 6.8898 6.6894 6.4983 6.3159 6.1419 5.9756

50 9.5030 9.1823 8.8778 8.5884 8.3133 8.0516 7.8024 7.5651 7.3390 7.1234 6.9176 6.7213 6.5337 6.3544 6.1830 6.0191 5.862151 8.9812 8.6947 8.4219 8.1620 7.9142 7.6779 7.4523 7.2369 7.0311 6.8344 6.6463 6.4663 6.2940 6.1290 5.9708 5.8192 5.673852 8.4598 8.2057 7.9631 7.7313 7.5097 7.2977 7.0949 6.9007 6.7148 6.5366 6.3658 6.2019 6.0447 5.8938 5.7489 5.6097 5.475853 7.9626 7.7384 7.5238 7.3181 7.1209 6.9318 6.7504 6.5762 6.4090 6.2484 6.0940 5.9456 5.8029 5.6656 5.5334 5.4061 5.283554 7.4984 7.3016 7.1124 6.9307 6.7560 6.5881 6.4265 6.2709 6.1212 5.9771 5.8382 5.7043 5.5752 5.4508 5.3307 5.2148 5.1029

55 7.0289 6.8578 6.6930 6.5341 6.3810 6.2334 6.0910 5.9536 5.8209 5.6929 5.5692 5.4497 5.3342 5.2226 5.1146 5.0102 4.909156 6.4526 6.3083 6.1689 6.0341 5.9039 5.7779 5.6561 5.5382 5.4242 5.3137 5.2068 5.1032 5.0029 4.9056 4.8114 4.7200 4.631357 5.8455 5.7266 5.6114 5.4997 5.3915 5.2865 5.1847 5.0859 4.9901 4.8970 4.8067 4.7189 4.6337 4.5509 4.4705 4.3923 4.316258 5.2135 5.1183 5.0257 4.9358 4.8483 4.7632 4.6804 4.5999 4.5215 4.4452 4.3710 4.2987 4.2283 4.1597 4.0928 4.0277 3.964259 4.5713 4.4974 4.4254 4.3551 4.2866 4.2199 4.1547 4.0911 4.0291 3.9685 3.9094 3.8517 3.7953 3.7402 3.6864 3.6339 3.5826

60 3.8939 3.8393 3.7860 3.7338 3.6828 3.6329 3.5840 3.5362 3.4894 3.4437 3.3988 3.3550 3.3120 3.2699 3.2287 3.1883 3.148761 3.1569 3.1196 3.0830 3.0471 3.0119 2.9774 2.9435 2.9103 2.8776 2.8456 2.8141 2.7832 2.7529 2.7231 2.6938 2.6651 2.636862 2.4268 2.4036 2.3807 2.3583 2.3362 2.3144 2.2930 2.2719 2.2511 2.2307 2.2106 2.1908 2.1713 2.1520 2.1331 2.1145 2.096163 1.6654 1.6533 1.6414 1.6296 1.6180 1.6065 1.5951 1.5839 1.5729 1.5619 1.5511 1.5405 1.5300 1.5196 1.5093 1.4991 1.489164 0.8642 0.8599 0.8557 0.8515 0.8474 0.8433 0.8392 0.8352 0.8312 0.8273 0.8234 0.8195 0.8157 0.8119 0.8082 0.8044 0.8007
51

Table 17C.—DI Male Disabled Worker Monthly Life Annuity to Age 65 (Due)1

(1991-1995 Social Security disability experience)

1 Present value of monthly payments of $1 payable at the beginning of each month (annuity due), commencing with the year of entitlement and continuing up to age 65. Receipt of payment is contingent

upon survival under all forms of decrement to the next payment date. Payments are discounted to the beginning of entitlement using the annual effective interest rate shown and survivorship experience asshown in table 11A.

Select

age

Present value of annuity at given interest rate

1.0% 1.5% 2.0% 2.5% 3.0% 3.5% 4.0% 4.5% 5.0% 5.5% 6.0% 6.5% 7.0% 7.5% 8.0% 8.5% 9.0%

20 252.9852 233.4291 216.2315 201.0517 187.6035 175.6464 164.9771 155.4234 146.8394 139.1005 132.1008 125.7494 119.9684 114.6908 109.8587 105.4220 101.337421 251.8084 232.5639 215.6032 200.6021 187.2874 175.4288 164.8307 155.3271 146.7773 139.0603 132.0732 125.7275 119.9470 114.6662 109.8282 105.3839 101.290622 249.6434 230.8123 214.1785 199.4356 186.3246 174.6262 164.1540 154.7492 146.2763 138.6194 131.6786 125.3686 119.6155 114.3554 109.5331 105.1004 101.015423 245.9619 227.6872 211.5071 197.1353 184.3281 172.8794 162.6126 153.3774 145.0449 137.5045 130.6611 124.4325 118.7478 113.5454 108.7721 104.3812 100.332124 240.4867 222.9263 207.3416 193.4672 181.0772 169.9794 160.0091 151.0251 142.9065 135.5488 128.8620 122.7686 117.2009 112.1005 107.4161 103.1035 99.123525 233.6468 216.9086 202.0172 188.7295 176.8376 166.1641 156.5567 147.8843 140.0341 132.9087 126.4238 120.5065 115.0932 110.1285 105.5642 101.3581 97.473126 226.4476 210.5512 196.3737 183.6932 172.3197 162.0901 152.8641 144.5206 136.9552 130.0773 123.8084 118.0801 112.8329 108.0150 103.5807 99.4903 95.708727 219.6104 204.5178 191.0233 178.9250 168.0491 158.2463 149.3874 141.3609 134.0700 127.4306 121.3697 115.8235 110.7364 106.0595 101.7501 97.7707 94.088128 213.4029 199.0568 186.1973 174.6404 164.2275 154.8217 146.3041 138.5720 131.5358 125.1174 119.2489 113.8707 108.9309 104.3835 100.1884 96.3101 92.717429 207.7832 194.1308 181.8619 170.8088 160.8268 151.7903 143.5904 136.1318 129.3319 123.1183 117.4278 112.2047 107.4003 102.9717 98.8812 95.0950 91.5838

30 202.8251 189.8092 178.0820 167.4911 157.9040 149.2059 141.2962 134.0873 127.5027 121.4751 115.9456 110.8623 106.1797 101.8573 97.8595 94.1550 90.715431 198.5955 186.1540 174.9154 164.7406 155.5086 147.1139 139.4638 132.4775 126.0840 120.2207 114.8328 109.8718 105.2948 101.0640 97.1457 93.5102 90.130932 194.4640 182.5807 171.8184 162.0506 153.1668 145.0704 137.6763 130.9100 124.7057 119.0056 113.7584 108.9191 104.4475 100.3080 96.4691 92.9025 89.583533 190.6672 179.3108 168.9989 159.6165 151.0628 143.2495 136.0983 129.5408 123.5161 117.9707 112.8568 108.1325 103.7602 99.7067 95.9422 92.4402 89.177134 187.0242 176.1761 166.3000 157.2915 149.0588 141.5214 134.6076 128.2544 122.4058 117.0122 112.0294 107.4182 103.1438 99.1749 95.4836 92.0450 88.8369

35 183.2552 172.9149 163.4762 154.8449 146.9377 139.6815 133.0108 126.8679 121.2014 115.9657 111.1198 106.6275 102.4563 98.5772 94.9640 91.5935 88.444636 179.5823 169.7339 160.7203 152.4568 144.8680 137.8876 131.4561 125.5207 120.0343 114.9551 110.2452 105.8713 101.8031 98.0136 94.4786 91.1762 88.086737 175.9749 166.6026 158.0021 150.0971 142.8197 136.1100 129.9138 124.1832 118.8753 113.9513 109.3769 105.1210 101.1558 97.4563 93.9997 90.7658 87.736238 172.6157 163.6929 155.4831 147.9179 140.9364 134.4841 128.5122 122.9769 117.8392 113.0636 108.6186 104.4754 100.6085 96.9947 93.6130 90.4443 87.471539 169.1636 160.6879 152.8688 145.6450 138.9619 132.7707 127.0273 121.6919 116.7293 112.1070 107.7963 103.7709 100.0072 96.4837 93.1811 90.0818 87.1698

40 165.5388 157.5135 150.0899 143.2138 136.8362 130.9137 125.4067 120.2794 115.5000 111.0392 106.8706 102.9705 99.3172 95.8911 92.6743 89.6507 86.805441 161.7211 154.1491 147.1258 140.6033 134.5383 128.8922 123.6297 118.7189 114.1311 109.8399 105.8218 102.0549 98.5199 95.1985 92.0747 89.1335 86.361442 157.6445 150.5297 143.9124 137.7506 132.0063 126.6454 121.6367 116.9518 112.5653 108.4535 104.5951 100.9708 97.5629 94.3551 91.3326 88.4819 85.790543 153.2219 146.5683 140.3629 134.5692 129.1542 124.0879 119.3429 114.8943 110.7195 106.7975 103.1095 99.6382 96.3676 93.2832 90.3716 87.6206 85.019144 148.5465 142.3507 136.5563 131.1319 126.0489 121.2812 116.8051 112.5985 108.6418 104.9166 101.4059 98.0947 94.9687 92.0149 89.2215 86.5774 84.0725

45 143.6985 137.9529 132.5649 127.5073 122.7556 118.2873 114.0820 110.1206 106.3857 102.8614 99.5330 96.3869 93.4109 90.5932 87.9234 85.3916 82.989046 138.3849 133.0955 128.1213 123.4396 119.0294 114.8718 110.9489 107.2446 103.7439 100.4331 97.2992 94.3307 91.5167 88.8471 86.3126 83.9046 81.615147 132.9054 128.0626 123.4959 119.1858 115.1149 111.2672 107.6275 104.1821 100.9184 97.8244 94.8892 92.1027 89.4557 86.9392 84.5452 82.2663 80.095448 127.6935 123.2695 119.0858 115.1264 111.3767 107.8232 104.4533 101.2554 98.2187 95.3331 92.5894 89.9789 87.4935 85.1257 82.8686 80.7156 78.660849 122.8345 118.7970 114.9681 111.3346 107.8842 104.6058 101.4889 98.5236 95.7010 93.0125 90.4501 88.0067 85.6753 83.4494 81.3231 79.2908 77.3474

50 117.8420 114.1796 110.6966 107.3822 104.2264 101.2199 98.3541 95.6209 93.0127 90.5225 88.1436 85.8698 83.6954 81.6149 79.6233 77.7157 75.887851 111.4803 108.2234 105.1172 102.1531 99.3229 96.6196 94.0359 91.5654 89.2020 86.9398 84.7736 82.6982 80.7089 78.8013 76.9711 75.2144 73.527452 105.1107 102.2369 99.4883 96.8580 94.3397 91.9276 89.6162 87.4003 85.2751 83.2358 81.2782 79.3982 77.5920 75.8560 74.1866 72.5808 71.035453 99.0097 96.4892 94.0716 91.7515 89.5240 87.3846 85.3291 83.3532 81.4534 79.6257 77.8669 76.1737 74.5430 72.9720 71.4579 69.9981 68.590254 93.2698 91.0715 88.9567 86.9215 84.9621 83.0750 81.2569 79.5047 77.8154 76.1862 74.6144 73.0976 71.6332 70.2190 68.8528 67.5326 66.2565

55 87.4393 85.5451 83.7177 81.9539 80.2510 78.6065 77.0177 75.4824 73.9984 72.5634 71.1754 69.8326 68.5330 67.2749 66.0566 64.8766 63.733356 80.3483 78.7675 77.2380 75.7575 74.3239 72.9356 71.5907 70.2874 69.0242 67.7995 66.6119 65.4598 64.3421 63.2573 62.2042 61.1817 60.188757 72.8785 71.5933 70.3461 69.1353 67.9594 66.8174 65.7080 64.6299 63.5821 62.5634 61.5729 60.6095 59.6724 58.7606 57.8732 57.0094 56.168458 65.1056 64.0930 63.1074 62.1476 61.2129 60.3023 59.4152 58.5507 57.7081 56.8867 56.0858 55.3047 54.5429 53.7997 53.0745 52.3668 51.676059 57.1794 56.4110 55.6607 54.9279 54.2121 53.5127 52.8293 52.1615 51.5087 50.8705 50.2465 49.6363 49.0395 48.4557 47.8846 47.3257 46.7788

60 48.8221 48.2715 47.7323 47.2040 46.6863 46.1791 45.6820 45.1948 44.7172 44.2489 43.7897 43.3394 42.8977 42.4645 42.0395 41.6225 41.213361 39.7798 39.4194 39.0653 38.7174 38.3755 38.0394 37.7090 37.3842 37.0649 36.7509 36.4421 36.1384 35.8397 35.5458 35.2567 34.9723 34.692462 30.7592 30.5496 30.3432 30.1396 29.9390 29.7411 29.5460 29.3537 29.1640 28.9769 28.7923 28.6103 28.4308 28.2536 28.0789 27.9064 27.736363 21.3125 21.2159 21.1206 21.0263 20.9330 20.8407 20.7495 20.6593 20.5700 20.4817 20.3943 20.3079 20.2224 20.1378 20.0541 19.9712 19.889264 11.2504 11.2256 11.2010 11.1767 11.1525 11.1285 11.1047 11.0811 11.0577 11.0344 11.0114 10.9885 10.9658 10.9432 10.9209 10.8987 10.8766
52 Table 17D.—DI Male Disabled Worker Monthly Life Annuity to Age 65 (Immediate)1

(1991-1995 Social Security disability experience)

1 Present value of monthly payments of $1 payable at the end of each month (annuity immediate), commencing with the year of entitlement and continuing up to age 65. Receipt of payment is contingent

upon survival under all forms of decrement to the next payment date. Payments are discounted to the beginning of entitlement using the annual effective interest rate shown and survivorship experience asshown in table 11A.

Select

age

Present value of annuity at given interest rate

1.0% 1.5% 2.0% 2.5% 3.0% 3.5% 4.0% 4.5% 5.0% 5.5% 6.0% 6.5% 7.0% 7.5% 8.0% 8.5% 9.0%

20 252.1503 232.5613 215.3375 200.1367 186.6718 174.7013 164.0213 154.4590 145.8681 138.1237 131.1196 124.7646 118.9807 113.7008 108.8668 104.4286 100.342721 250.9807 231.7025 214.7149 199.6921 186.3601 174.4875 163.8782 154.3656 145.8085 138.0856 131.0938 124.7442 118.9606 113.6773 108.8372 104.3913 100.296622 248.8222 229.9569 213.2956 198.5305 185.4016 173.6887 163.2048 153.7905 145.3100 137.6468 130.7010 124.3869 118.6305 113.3676 108.5431 104.1086 100.022123 245.1462 226.8370 210.6289 196.2345 183.4090 171.9454 161.6665 152.4215 144.0810 136.5340 129.6853 123.4524 117.7641 112.5588 107.7831 103.3903 99.339624 239.6748 222.0799 206.4672 192.5700 180.1614 169.0484 159.0658 150.0716 141.9448 134.5803 127.8879 121.7900 116.2186 111.1151 106.4282 102.1135 98.131825 232.8374 216.0651 201.1458 187.8352 175.9246 165.2358 155.6158 146.9331 139.0744 131.9420 125.4514 119.5294 114.1122 109.1442 104.5773 100.3690 96.482126 225.6403 209.7102 195.5049 182.8017 171.4094 161.1644 151.9256 143.5716 135.9976 129.1125 122.8377 117.1045 111.8532 107.0319 102.5948 98.5021 94.718627 218.8054 203.6795 190.1574 178.0364 167.1417 157.3233 148.4515 140.4143 133.1146 126.4678 120.4008 114.8495 109.7582 105.0777 100.7654 96.7835 93.098928 212.6007 198.2216 185.3347 173.7551 163.3233 153.9018 145.3711 137.6281 130.5828 124.1568 118.2820 112.8985 107.9543 103.4032 99.2050 95.3241 91.729229 206.9844 193.2992 181.0030 169.9271 159.9261 150.8737 142.6605 135.1908 128.3816 122.1602 116.4631 111.2345 106.4255 101.9930 97.8992 94.1103 90.5967

30 202.0304 188.9820 177.2275 166.6137 157.0074 148.2932 140.3699 133.1496 126.5554 120.5198 114.9834 109.8944 105.2069 100.8804 96.8792 93.1717 89.729731 197.8060 185.3320 174.0660 163.8681 154.6167 146.2056 138.5416 131.5436 125.1402 119.2685 113.8735 108.9065 104.3244 100.0893 96.1673 92.5286 89.146732 193.6800 181.7642 170.9744 161.1834 152.2799 144.1668 136.7585 129.9802 123.7657 118.0569 112.8023 107.9566 103.4797 99.3356 95.4928 91.9228 88.601033 189.8894 178.5005 168.1610 158.7551 150.1814 142.3511 135.1854 128.6155 122.5802 117.0258 111.9041 107.1732 102.7953 98.7369 94.9682 91.4627 88.196534 186.2532 175.3726 165.4687 156.4365 148.1835 140.6287 133.7000 127.3340 121.4745 116.0715 111.0806 106.4625 102.1821 98.2080 94.5123 91.0699 87.8585

35 182.4912 172.1184 162.6518 153.9965 146.0687 138.7948 132.1089 125.9528 120.2750 115.0295 110.1752 105.6756 101.4981 97.6135 93.9956 90.6210 87.468636 178.8259 168.9450 159.9033 151.6156 144.0059 137.0075 130.5603 124.6114 119.1133 114.0239 109.3052 104.9236 100.8488 97.0535 93.5135 90.2067 87.113437 175.2268 165.8219 157.1933 149.2638 141.9652 135.2370 129.0248 123.2802 117.9602 113.0256 108.4420 104.1781 100.2059 96.5002 93.0383 89.7997 86.766038 171.8770 162.9216 154.6834 147.0934 140.0903 133.6192 127.6308 122.0811 116.9308 112.1442 107.6895 103.5378 99.6635 96.0432 92.6558 89.4821 86.504939 168.4349 159.9265 152.0788 144.8299 138.1249 131.9144 126.1541 120.8038 115.8281 111.1944 106.8736 102.8393 99.0677 95.5373 92.2286 89.1239 86.2072

40 164.8204 156.7624 149.3101 142.4086 136.0087 130.0665 124.5422 119.3996 114.6067 110.1339 105.9548 102.0453 98.3837 94.9503 91.7270 88.6977 85.847341 161.0133 153.4087 146.3565 139.8084 133.7208 128.0547 122.7744 117.8479 113.2461 108.9425 104.9134 101.1368 97.5930 94.2639 91.1332 88.1859 85.408342 156.9475 149.8001 143.1539 136.9665 131.1993 125.8181 120.7912 116.0902 111.6893 107.5647 103.6948 100.0603 96.6432 93.4273 90.3975 87.5402 84.843043 152.5358 145.8499 139.6157 133.7962 128.3581 123.2712 118.5078 114.0427 109.8531 105.9178 102.2179 98.7360 95.4558 92.3628 89.4435 86.6855 84.077844 147.8719 141.6441 135.8209 130.3707 125.2645 120.4760 115.9811 111.7576 107.7858 104.0469 100.5239 97.2016 94.0656 91.1027 88.3012 85.6497 83.1382

45 143.0361 137.2588 131.8421 126.7587 121.9837 117.4943 113.2700 109.2914 105.5410 102.0026 98.6615 95.5038 92.5174 89.6902 87.0118 84.4722 82.062546 137.7344 132.4137 127.4111 122.7037 118.2702 114.0914 110.1493 106.4275 102.9110 99.5858 96.4387 93.4583 90.6334 87.9539 85.4104 82.9942 80.697247 132.2671 127.3936 122.7989 118.4632 114.3691 110.5001 106.8411 103.3780 100.0982 96.9895 94.0408 91.2420 88.5837 86.0569 83.6535 81.3659 79.187148 127.0695 122.6152 118.4038 114.4191 110.6461 107.0713 103.6819 100.4661 97.4130 94.5123 91.7548 89.1316 86.6345 84.2559 81.9890 79.8269 77.763749 122.2281 118.1607 114.3043 110.6455 107.1718 103.8719 100.7353 97.7518 94.9124 92.2084 89.6318 87.1752 84.8316 82.5945 80.4578 78.4159 76.4636

50 117.2549 113.5630 110.0528 106.7132 103.5341 100.5060 97.6203 94.8686 92.2433 89.7372 87.3436 85.0562 82.8692 80.7769 78.7744 76.8567 75.019451 110.9085 107.6230 104.4902 101.5015 98.6483 95.9237 93.3201 90.8312 88.4506 86.1724 83.9913 81.9020 79.8998 77.9801 76.1387 74.3715 72.674752 104.5563 101.6548 98.8803 96.2259 93.6850 91.2519 88.9208 86.6865 84.5440 82.4886 80.5160 78.6219 76.8024 75.0541 73.3731 71.7564 70.200853 98.4761 95.9288 93.4860 91.1423 88.8926 86.7324 84.6574 82.6631 80.7461 78.9021 77.1281 75.4205 73.7764 72.1927 70.6666 69.1956 67.777154 92.7625 90.5381 88.3988 86.3404 84.3592 82.4515 80.6139 78.8434 77.1368 75.4912 73.9040 72.3725 70.8943 69.4671 68.0885 66.7567 65.4695

55 86.9622 85.0428 83.1915 81.4051 79.6808 78.0160 76.4079 74.8543 73.3530 71.9016 70.4979 69.1403 67.8266 66.5552 65.3242 64.1321 62.977356 79.8982 78.2935 76.7413 75.2391 73.7849 72.3769 71.0133 69.6921 68.4119 67.1710 65.9679 64.8010 63.6693 62.5710 61.5051 60.4703 59.465657 72.4569 71.1493 69.8807 68.6493 67.4538 66.2930 65.1656 64.0703 63.0060 61.9715 60.9659 59.9879 59.0369 58.1118 57.2116 56.3355 55.482758 64.7132 63.6800 62.6745 61.6957 60.7426 59.8143 58.9103 58.0294 57.1711 56.3345 55.5191 54.7239 53.9486 53.1924 52.4546 51.7348 51.032459 56.8208 56.0337 55.2653 54.5150 53.7823 53.0666 52.3674 51.6843 51.0168 50.3643 49.7265 49.1029 48.4932 47.8969 47.3137 46.7430 46.1848

60 48.4988 47.9317 47.3764 46.8326 46.2998 45.7779 45.2665 44.7655 44.2744 43.7931 43.3211 42.8585 42.4048 41.9599 41.5235 41.0955 40.675561 39.4871 39.1128 38.7452 38.3842 38.0294 37.6808 37.3381 37.0014 36.6704 36.3450 36.0251 35.7105 35.4012 35.0969 34.7977 34.5034 34.213862 30.5065 30.2859 30.0687 29.8545 29.6436 29.4355 29.2304 29.0284 28.8291 28.6326 28.4387 28.2477 28.0593 27.8733 27.6901 27.5092 27.330863 21.1077 21.0033 20.9003 20.7984 20.6977 20.5980 20.4995 20.4022 20.3058 20.2105 20.1163 20.0231 19.9309 19.8398 19.7496 19.6603 19.572064 11.1146 11.0855 11.0567 11.0282 10.9999 10.9718 10.9439 10.9163 10.8889 10.8617 10.8348 10.8080 10.7815 10.7551 10.7291 10.7031 10.6773
53

Table 18A.—DI Female Disabled Worker Annual Life Annuity to Age 65 (Due)1

(1991-1995 Social Security disability experience)

1 Present value of annual payments of $1 payable at the beginning of each year (annuity due), commencing with the year of entitlement and continuing up to age 65. Receipt of payment is contingent upon

survival under all forms of decrement to the next payment date. Payments are discounted to the beginning of entitlement using the annual effective interest rate shown and survivorship experience as shownin table 11B.

Select

age

Present value of annuity at given interest rate

1.0% 1.5% 2.0% 2.5% 3.0% 3.5% 4.0% 4.5% 5.0% 5.5% 6.0% 6.5% 7.0% 7.5% 8.0% 8.5% 9.0%

20 22.8759 21.0948 19.5317 18.1547 16.9372 15.8569 14.8949 14.0351 13.2641 12.5704 11.9442 11.3770 10.8616 10.3920 9.9628 9.5693 9.207721 22.8807 21.1206 19.5723 18.2055 16.9946 15.9182 14.9580 14.0986 13.3269 12.6316 12.0033 11.4336 10.9155 10.4431 10.0110 9.6146 9.250222 22.8375 21.1039 19.5753 18.2229 17.0224 15.9531 14.9977 14.1412 13.3710 12.6761 12.0474 11.4768 10.9574 10.4833 10.0493 9.6510 9.284523 22.7260 21.0261 19.5236 18.1914 17.0063 15.9488 15.0021 14.1520 13.3864 12.6947 12.0680 11.4986 10.9798 10.5057 10.0715 9.6726 9.305324 22.5484 20.8892 19.4193 18.1128 16.9481 15.9067 14.9727 14.1326 13.3746 12.6889 12.0668 11.5008 10.9844 10.5122 10.0792 9.6811 9.314325 22.3156 20.7029 19.2704 17.9943 16.8542 15.8326 14.9146 14.0873 13.3398 12.6623 12.0468 11.4861 10.9740 10.5051 10.0747 9.6786 9.313426 22.0346 20.4726 19.0817 17.8396 16.7274 15.7287 14.8295 14.0176 13.2827 12.6156 12.0086 11.4548 10.9484 10.4841 10.0575 9.6646 9.301927 21.7170 20.2085 18.8618 17.6563 16.5744 15.6008 14.7223 13.9277 13.2070 12.5519 11.9548 11.4092 10.9097 10.4511 10.0292 9.6403 9.280928 21.3685 19.9156 18.6151 17.4482 16.3984 15.4516 14.5956 13.8198 13.1149 12.4730 11.8869 11.3508 10.8590 10.4071 9.9908 9.6066 9.251229 21.0021 19.6056 18.3524 17.2251 16.2086 15.2898 14.4573 13.7013 13.0131 12.3853 11.8112 11.2851 10.8019 10.3573 9.9471 9.5682 9.2172

30 20.6353 19.2946 18.0883 17.0004 16.0171 15.1263 14.3175 13.5815 12.9102 12.2967 11.7348 11.2190 10.7446 10.3074 9.9037 9.5301 9.183831 20.2527 18.9679 17.8089 16.7611 15.8118 14.9498 14.1654 13.4502 12.7966 12.1982 11.6491 11.1443 10.6793 10.2501 9.8533 9.4856 9.144432 19.8539 18.6254 17.5143 16.5072 15.5926 14.7602 14.0010 13.3074 12.6723 12.0897 11.5542 11.0611 10.6061 10.1855 9.7961 9.4349 9.099233 19.4604 18.2870 17.2229 16.2559 15.3756 14.5725 13.8386 13.1664 12.5498 11.9831 11.4613 10.9799 10.5350 10.1232 9.7413 9.3866 9.056634 19.0510 17.9327 16.9158 15.9895 15.1440 14.3709 13.6627 13.0129 12.4154 11.8653 11.3578 10.8888 10.4546 10.0521 9.6783 9.3307 9.0067

35 18.6354 17.5716 16.6015 15.7155 14.9049 14.1619 13.4798 12.8524 12.2745 11.7413 11.2484 10.7922 10.3692 9.9763 9.6110 9.2706 8.953136 18.2068 17.1971 16.2740 15.4286 14.6532 13.9408 13.2853 12.6811 12.1233 11.6076 11.1300 10.6872 10.2758 9.8932 9.5367 9.2042 8.893637 17.7559 16.8007 15.9250 15.1210 14.3817 13.7008 13.0728 12.4926 11.9559 11.4587 10.9974 10.5687 10.1698 9.7982 9.4514 9.1275 8.824338 17.2807 16.3802 15.5525 14.7904 14.0879 13.4393 12.8397 12.2845 11.7697 11.2919 10.8476 10.4340 10.0485 9.6886 9.3523 9.0376 8.742739 16.8038 15.9569 15.1762 14.4557 13.7897 13.1733 12.6020 12.0719 11.5793 11.1210 10.6941 10.2958 9.9239 9.5761 9.2506 8.9454 8.6590

40 16.3212 15.5270 14.7929 14.1135 13.4839 12.8996 12.3569 11.8521 11.3819 10.9436 10.5343 10.1519 9.7940 9.4587 9.1443 8.8490 8.571541 15.8247 15.0827 14.3949 13.7565 13.1634 12.6117 12.0978 11.6188 11.1716 10.7537 10.3627 9.9966 9.6533 9.3311 9.0284 8.7436 8.475542 15.3169 14.6261 13.9840 13.3864 12.8297 12.3105 11.8258 11.3727 10.9488 10.5518 10.1796 9.8303 9.5021 9.1934 8.9029 8.6291 8.370943 14.8120 14.1707 13.5729 13.0150 12.4938 12.0066 11.5505 11.1231 10.7224 10.3462 9.9927 9.6602 9.3472 9.0522 8.7741 8.5115 8.263344 14.2833 13.6910 13.1373 12.6191 12.1338 11.6788 11.2519 10.8509 10.4739 10.1192 9.7851 9.4703 9.1732 8.8927 8.6277 8.3770 8.1397

45 13.7353 13.1913 12.6812 12.2025 11.7530 11.3304 10.9328 10.5585 10.2057 9.8730 9.5589 9.2623 8.9818 8.7163 8.4650 8.2269 8.001046 13.1964 12.6983 12.2300 11.7893 11.3742 10.9830 10.6140 10.2657 9.9366 9.6255 9.3312 9.0525 8.7884 8.5381 8.3005 8.0749 7.860547 12.6633 12.2091 11.7808 11.3766 10.9949 10.6342 10.2930 9.9702 9.6644 9.3746 9.0998 8.8390 8.5913 8.3559 8.1321 7.9192 7.716448 12.1369 11.7245 11.3345 10.9654 10.6158 10.2846 9.9705 9.6725 9.3895 9.1207 8.8651 8.6220 8.3907 8.1703 7.9603 7.7601 7.569049 11.6128 11.2403 10.8870 10.5517 10.2333 9.9307 9.6430 9.3693 9.1087 8.8606 8.6242 8.3987 8.1836 7.9783 7.7822 7.5948 7.4156

50 11.0714 10.7376 10.4201 10.1179 9.8300 9.5557 9.2943 9.0449 8.8069 8.5796 8.3625 8.1549 7.9565 7.7666 7.5849 7.4108 7.244051 10.4516 10.1574 9.8766 9.6085 9.3525 9.1079 8.8740 8.6504 8.4364 8.2315 8.0353 7.8472 7.6670 7.4942 7.3283 7.1691 7.016252 9.8118 9.5554 9.3101 9.0752 8.8502 8.6347 8.4280 8.2298 8.0396 7.8571 7.6819 7.5135 7.3517 7.1961 7.0465 6.9026 6.764053 9.1826 8.9614 8.7491 8.5452 8.3494 8.1612 7.9802 7.8062 7.6388 7.4777 7.3226 7.1732 7.0293 6.8906 6.7568 6.6278 6.503454 8.5782 8.3890 8.2068 8.0313 7.8623 7.6994 7.5424 7.3909 7.2448 7.1038 6.9677 6.8363 6.7094 6.5867 6.4681 6.3535 6.2427

55 7.9509 7.7919 7.6383 7.4900 7.3466 7.2081 7.0741 6.9446 6.8192 6.6980 6.5806 6.4670 6.3569 6.2503 6.1470 6.0469 5.949856 7.2680 7.1380 7.0120 6.8899 6.7716 6.6569 6.5458 6.4379 6.3333 6.2318 6.1333 6.0376 5.9447 5.8545 5.7669 5.6817 5.599057 6.5597 6.4564 6.3560 6.2585 6.1636 6.0714 5.9818 5.8945 5.8097 5.7271 5.6468 5.5685 5.4924 5.4182 5.3460 5.2756 5.207058 5.8378 5.7585 5.6812 5.6059 5.5324 5.4608 5.3909 5.3228 5.2563 5.1914 5.1280 5.0662 5.0058 4.9469 4.8893 4.8331 4.778159 5.0950 5.0370 4.9803 4.9248 4.8706 4.8175 4.7657 4.7149 4.6652 4.6166 4.5690 4.5224 4.4767 4.4321 4.3883 4.3455 4.3035

60 4.3294 4.2898 4.2509 4.2128 4.1754 4.1387 4.1027 4.0673 4.0326 3.9986 3.9652 3.9324 3.9001 3.8685 3.8374 3.8069 3.776961 3.5368 3.5124 3.4885 3.4649 3.4416 3.4188 3.3963 3.3741 3.3523 3.3309 3.3097 3.2889 3.2684 3.2482 3.2283 3.2088 3.189562 2.7300 2.7174 2.7049 2.6927 2.6805 2.6686 2.6568 2.6451 2.6336 2.6222 2.6110 2.5999 2.5889 2.5781 2.5674 2.5568 2.546463 1.8918 1.8874 1.8831 1.8788 1.8745 1.8703 1.8661 1.8620 1.8579 1.8538 1.8498 1.8458 1.8418 1.8379 1.8340 1.8302 1.826464 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
54 Table 18B.—DI Female Disabled Worker Annual Life Annuity to Age 65 (Immediate)1

(1991-1995 Social Security disability experience)

1 Present value of annual payments of $1 payable at the end of each year (annuity immediate), commencing with the year of entitlement and continuing up to age 65. Receipt of payment is contingent upon

survival under all forms of decrement to the next payment date. Payments are discounted to the beginning of entitlement using the annual effective interest rate shown and survivorship experience as shownin table 11B.

Select

age

Present value of annuity at given interest rate

1.0% 1.5% 2.0% 2.5% 3.0% 3.5% 4.0% 4.5% 5.0% 5.5% 6.0% 6.5% 7.0% 7.5% 8.0% 8.5% 9.0%

20 22.0930 20.2687 18.6710 17.2665 16.0270 14.9291 13.9530 13.0820 12.3020 11.6010 10.9688 10.3969 9.8778 9.4051 8.9734 8.5779 8.214721 22.1078 20.3034 18.7195 17.3242 16.0905 14.9956 14.0207 13.1494 12.3680 11.6650 11.0304 10.4556 9.9335 9.4577 9.0229 8.6243 8.258122 22.0745 20.2955 18.7304 17.3486 16.1243 15.0359 14.0650 13.1960 12.4156 11.7125 11.0771 10.5010 9.9772 9.4995 9.0626 8.6619 8.293523 21.9723 20.2263 18.6865 17.3240 16.1144 15.0370 14.0742 13.2109 12.4346 11.7342 11.1004 10.5252 10.0016 9.5237 9.0862 8.6848 8.315424 21.8035 20.0976 18.5896 17.2522 16.0623 15.0003 14.0496 13.1957 12.4265 11.7316 11.1020 10.5298 10.0084 9.5320 9.0955 8.6946 8.325525 21.5790 19.9191 18.4480 17.1404 15.9744 14.9317 13.9963 13.1547 12.3955 11.7084 11.0850 10.5177 10.0002 9.5268 9.0927 8.6936 8.325926 21.3058 19.6963 18.2664 16.9923 15.8537 14.8332 13.9161 13.0894 12.3423 11.6651 11.0498 10.4891 9.9770 9.5080 9.0774 8.6812 8.315827 20.9958 19.4396 18.0536 16.8156 15.7068 14.7109 13.8140 13.0041 12.2708 11.6051 10.9992 10.4464 9.9408 9.4772 9.0511 8.6586 8.296228 20.6548 19.1540 17.8139 16.6141 15.5370 14.5675 13.6925 12.9010 12.1829 11.5300 10.9348 10.3910 9.8929 9.4356 9.0148 8.6268 8.268229 20.2958 18.8515 17.5585 16.3979 15.3536 14.4116 13.5597 12.7875 12.0857 11.4464 10.8628 10.3286 9.8387 9.3884 8.9735 8.5904 8.2361

30 19.9369 18.5483 17.3019 16.1804 15.1689 14.2545 13.4258 12.6730 11.9877 11.3623 10.7904 10.2662 9.7847 9.3414 8.9326 8.5547 8.204731 19.5622 18.2296 17.0304 15.9486 14.9707 14.0846 13.2798 12.5474 11.8793 11.2685 10.7090 10.1953 9.7228 9.2873 8.8850 8.5127 8.167632 19.1715 17.8953 16.7438 15.7025 14.7589 13.9019 13.1219 12.4106 11.7605 11.1651 10.6187 10.1163 9.6534 9.2261 8.8309 8.4648 8.124933 18.7866 17.5655 16.4609 15.4594 14.5498 13.7217 12.9664 12.2761 11.6440 11.0640 10.5308 10.0397 9.5865 9.1675 8.7796 8.4196 8.085134 18.3859 17.2201 16.1626 15.2015 14.3263 13.5278 12.7979 12.1293 11.5159 10.9520 10.4326 9.9535 9.5106 9.1006 8.7203 8.3670 8.0383

35 17.9795 16.8682 15.8575 14.9366 14.0959 13.3271 12.6227 11.9762 11.3818 10.8343 10.3292 9.8623 9.4301 9.0293 8.6570 8.3107 7.988136 17.5603 16.5034 15.5396 14.6591 13.8534 13.1148 12.4365 11.8127 11.2379 10.7074 10.2171 9.7631 9.3421 8.9511 8.5873 8.2485 7.932337 17.1186 16.1166 15.2003 14.3611 13.5912 12.8838 12.2326 11.6324 11.0782 10.5658 10.0911 9.6509 9.2419 8.8615 8.5070 8.1763 7.867338 16.6528 15.7059 14.8377 14.0404 13.3071 12.6316 12.0085 11.4328 10.9001 10.4066 9.9485 9.5229 9.1268 8.7577 8.4132 8.0914 7.790239 16.1856 15.2927 14.4718 13.7159 13.0190 12.3755 11.7804 11.2293 10.7184 10.2439 9.8028 9.3920 9.0091 8.6516 8.3174 8.0047 7.7116

40 15.7130 14.8734 14.0992 13.3846 12.7239 12.1123 11.5454 11.0193 10.5303 10.0754 9.6514 9.2560 8.8866 8.5411 8.2177 7.9144 7.629841 15.2267 14.4398 13.7122 13.0387 12.4145 11.8352 11.2970 10.7962 10.3298 9.8949 9.4888 9.1092 8.7539 8.4211 8.1088 7.8157 7.540042 14.7292 13.9942 13.3127 12.6802 12.0924 11.5455 11.0361 10.5611 10.1176 9.7031 9.3153 8.9520 8.6114 8.2916 7.9912 7.7085 7.442343 14.2355 13.5506 12.9138 12.3212 11.7689 11.2539 10.7729 10.3233 9.9026 9.5085 9.1389 8.7921 8.4662 8.1596 7.8710 7.5991 7.342544 13.7179 13.0828 12.4907 11.9380 11.4218 10.9389 10.4869 10.0634 9.6662 9.2932 8.9427 8.6130 8.3026 8.0100 7.7341 7.4735 7.2273

45 13.1811 12.5952 12.0473 11.5345 11.0542 10.6038 10.1811 9.7840 9.4107 9.0594 8.7286 8.4166 8.1223 7.8444 7.5817 7.3333 7.098046 12.6546 12.1155 11.6100 11.1356 10.6899 10.2710 9.8768 9.5056 9.1557 8.8257 8.5142 8.2198 7.9415 7.6782 7.4287 7.1924 6.968247 12.1353 11.6409 11.1761 10.7386 10.3265 9.9381 9.5717 9.2258 8.8990 8.5900 8.2976 8.0207 7.7583 7.5095 7.2734 7.0492 6.836148 11.6241 11.1725 10.7466 10.3446 9.9649 9.6061 9.2667 8.9455 8.6413 8.3529 8.0794 7.8199 7.5734 7.3391 7.1163 6.9042 6.702449 11.1171 10.7063 10.3178 9.9500 9.6018 9.2717 8.9587 8.6617 8.3797 8.1117 7.8569 7.6146 7.3839 7.1642 6.9548 6.7551 6.5646

50 10.5938 10.2227 9.8707 9.5366 9.2193 8.9177 8.6310 8.3582 8.0986 7.8512 7.6155 7.3907 7.1763 6.9716 6.7760 6.5892 6.410551 9.9887 9.6586 9.3444 9.0454 8.7606 8.4893 8.2305 7.9837 7.7482 7.5232 7.3083 7.1029 6.9064 6.7184 6.5385 6.3661 6.201052 9.3631 9.0724 8.7951 8.5304 8.2775 8.0358 7.8048 7.5838 7.3724 7.1699 6.9760 6.7902 6.6120 6.4412 6.2772 6.1198 5.968753 8.7503 8.4965 8.2535 8.0209 7.7981 7.5845 7.3798 7.1834 6.9950 6.8142 6.6405 6.4737 6.3133 6.1592 6.0109 5.8682 5.730854 8.1669 7.9466 7.7351 7.5320 7.3368 7.1493 6.9690 6.7957 6.6289 6.4683 6.3137 6.1649 6.0214 5.8832 5.7499 5.6213 5.4972

55 7.5617 7.3732 7.1918 7.0170 6.8486 6.6863 6.5299 6.3790 6.2334 6.0929 5.9573 5.8264 5.6999 5.5776 5.4595 5.3453 5.234856 6.8996 6.7421 6.5900 6.4431 6.3011 6.1638 6.0311 5.9028 5.7786 5.6584 5.5421 5.4295 5.3205 5.2148 5.1125 5.0132 4.917157 6.2130 6.0844 5.9598 5.8391 5.7221 5.6087 5.4987 5.3920 5.2885 5.1881 5.0906 4.9960 4.9041 4.8149 4.7282 4.6439 4.562058 5.5144 5.4121 5.3128 5.2162 5.1223 5.0310 4.9422 4.8558 4.7718 4.6901 4.6105 4.5330 4.4576 4.3841 4.3126 4.2429 4.175059 4.7962 4.7177 4.6412 4.5667 4.4940 4.4231 4.3539 4.2865 4.2206 4.1564 4.0937 4.0325 3.9727 3.9144 3.8574 3.8017 3.7473

60 4.0562 3.9989 3.9428 3.8879 3.8343 3.7819 3.7305 3.6803 3.6312 3.5831 3.5360 3.4899 3.4448 3.4006 3.3573 3.3149 3.273461 3.2893 3.2502 3.2118 3.1742 3.1373 3.1011 3.0656 3.0307 2.9965 2.9629 2.9299 2.8975 2.8658 2.8345 2.8039 2.7737 2.744262 2.5141 2.4900 2.4662 2.4429 2.4199 2.3973 2.3750 2.3531 2.3315 2.3102 2.2893 2.2687 2.2484 2.2284 2.2087 2.1893 2.170263 1.7160 1.7035 1.6912 1.6790 1.6670 1.6551 1.6434 1.6318 1.6204 1.6091 1.5980 1.5870 1.5761 1.5654 1.5548 1.5443 1.534064 0.8859 0.8816 0.8773 0.8730 0.8687 0.8645 0.8604 0.8563 0.8522 0.8481 0.8441 0.8402 0.8363 0.8324 0.8285 0.8247 0.8209
55

Table 18C.—DI Female Disabled Worker Monthly Life Annuity to Age 65 (Due)1

(1991-1995 Social Security disability experience)

1 Present value of monthly payments of $1 payable at the beginning of each month (annuity due), commencing with the year of entitlement and continuing up to age 65. Receipt of payment is contingent

upon survival under all forms of decrement to the next payment date. Payments are discounted to the beginning of entitlement using the annual effective interest rate shown and survivorship experience asshown in table 11B.

Select

age

Present value of annuity at given interest rate

1.0% 1.5% 2.0% 2.5% 3.0% 3.5% 4.0% 4.5% 5.0% 5.5% 6.0% 6.5% 7.0% 7.5% 8.0% 8.5% 9.0%

20 270.1915 248.5743 229.6201 212.9383 198.2014 185.1349 173.5068 163.1219 153.8147 145.4444 137.8914 131.0535 124.8433 119.1856 114.0159 109.2784 104.924921 270.3049 248.9332 230.1514 213.5863 198.9238 185.8994 174.2899 163.9058 154.5865 146.1949 138.6144 131.7448 125.5005 119.8073 114.6018 109.8287 105.440322 269.8405 248.7810 230.2305 213.8337 199.2907 186.3486 174.7924 164.4397 155.1351 146.7460 139.1587 132.2757 126.0132 120.2988 115.0698 110.2721 105.858723 268.5537 247.8947 229.6537 213.4945 199.1324 186.3266 174.8715 164.5924 155.3401 146.9865 139.4216 132.5512 126.2936 120.5784 115.3444 110.5387 106.114824 266.4710 246.2981 228.4427 212.5888 198.4680 185.8519 174.5456 164.3825 155.2198 146.9348 139.4222 132.5906 126.3615 120.6663 115.4460 110.6487 106.229325 263.7237 244.1049 226.6967 211.2039 197.3741 184.9926 173.8749 163.8634 154.8223 146.6346 139.1994 132.4294 126.2489 120.5921 115.4014 110.6271 106.225326 260.3944 241.3829 224.4711 209.3840 195.8862 183.7762 172.8809 163.0512 154.1590 146.0931 138.7576 132.0690 125.9550 120.3524 115.2060 110.4676 106.095127 256.6256 238.2551 221.8719 207.2212 194.0838 182.2718 171.6230 161.9975 153.2745 145.3488 138.1297 131.5378 125.5041 119.9683 114.8774 110.1853 105.851228 252.4845 234.7801 218.9505 204.7602 192.0061 180.5138 170.1318 160.7292 152.1926 144.4232 137.3350 130.8531 124.9119 119.4538 114.4284 109.7916 105.504229 248.1288 231.1017 215.8382 202.1216 189.7645 178.6050 168.5026 159.3351 150.9964 143.3937 136.4464 130.0835 124.2429 118.8702 113.9173 109.3420 105.1069

30 243.7710 227.4124 212.7099 199.4647 187.5040 176.6783 166.8572 157.9271 149.7889 142.3559 135.5520 129.3108 123.5735 118.2884 113.4101 108.8984 104.717531 239.2227 223.5363 209.4010 196.6349 185.0793 174.5967 165.0663 156.3829 148.4543 141.1996 134.5475 128.4357 122.8089 117.6184 112.8210 108.3785 104.257132 234.4821 219.4718 205.9101 193.6311 182.4897 172.3596 163.1297 154.7026 146.9930 139.9256 133.4339 127.4597 121.9510 116.8619 112.1519 107.7848 103.728533 229.8073 215.4585 202.4601 190.6612 179.9295 170.1492 161.2183 153.0470 145.5567 138.6772 132.3468 126.5112 121.1217 116.1352 111.5137 107.2230 103.232634 224.9424 211.2558 198.8241 187.5107 177.1954 167.7725 159.1488 151.2418 143.9790 137.2956 131.1346 125.4451 120.1821 115.3052 110.7785 106.5701 102.6513

35 220.0066 206.9734 195.1034 184.2734 174.3744 165.3106 156.9966 149.3573 142.3259 135.8429 129.8553 124.3164 119.1840 114.4207 109.9929 105.8705 102.026736 214.9151 202.5332 191.2260 180.8826 171.4049 162.7060 154.7087 147.3442 140.5516 134.2763 128.4696 123.0883 118.0934 113.4501 109.1272 105.0968 101.333437 209.5548 197.8290 187.0919 177.2444 168.1984 159.8757 152.2064 145.1284 138.5860 132.5296 126.9147 121.7014 116.8539 112.3402 108.1312 104.2010 100.526038 203.9043 192.8374 182.6758 173.3317 164.7262 156.7895 149.4588 142.6778 136.3967 130.5700 125.1573 120.1223 115.4321 111.0574 106.9713 103.1498 99.571339 198.2347 187.8135 178.2185 169.3719 161.2037 153.6517 146.6597 140.1773 134.1594 128.5652 123.3579 118.5046 113.9754 109.7432 105.7837 102.0746 98.5959

40 192.4990 182.7131 173.6781 165.3253 157.5931 150.4262 143.7748 137.5938 131.8429 126.4853 121.4880 116.8211 112.4575 108.3727 104.5443 100.9520 97.577641 186.5975 177.4404 168.9623 161.1033 153.8090 147.0309 140.7247 134.8508 129.3731 124.2588 119.4783 115.0049 110.8139 106.8833 103.1928 99.7240 96.460042 180.5605 172.0223 164.0949 156.7261 149.8687 143.4803 137.5220 131.9586 126.7585 121.8925 117.3343 113.0600 109.0475 105.2770 101.7303 98.3907 95.242943 174.5632 166.6224 159.2288 152.3374 145.9071 139.9010 134.2853 129.0291 124.1045 119.4859 115.1499 111.0753 107.2426 103.6339 100.2329 97.0246 93.995444 168.2799 160.9318 154.0706 147.6577 141.6579 136.0393 130.7725 125.8308 121.1899 116.8272 112.7224 108.8566 105.2128 101.7750 98.5288 95.4608 92.5586

45 161.7662 155.0018 148.6674 142.7305 137.1610 131.9315 127.0169 122.3942 118.0423 113.9418 110.0749 106.4252 102.9776 99.7182 96.6343 93.7141 90.946646 155.3678 149.1599 143.3300 137.8506 132.6962 127.8437 123.2715 118.9601 114.8914 111.0485 107.4162 103.9802 100.7275 97.6459 94.7241 91.9520 89.319947 149.0465 143.3703 138.0245 132.9858 128.2329 123.7464 119.5082 115.5014 111.7107 108.1219 104.7218 101.4980 98.4395 95.5356 92.7766 90.1536 87.658148 142.8133 137.6439 132.7613 128.1461 123.7807 119.6488 115.7351 112.0258 108.5077 105.1688 101.9979 98.9846 96.1192 93.3926 90.7967 88.3234 85.965749 136.6190 131.9336 127.4952 123.2880 119.2973 115.5099 111.9130 108.4949 105.2450 102.1528 99.2092 96.4052 93.7327 91.1841 88.7522 86.4304 84.2124

50 130.2221 126.0067 122.0019 118.1948 114.5735 111.1272 107.8454 104.7187 101.7380 98.8950 96.1818 93.5911 91.1162 88.7506 86.4883 84.3236 82.251451 122.8656 119.1322 115.5748 112.1832 108.9479 105.8603 102.9122 100.0957 97.4038 94.8296 92.3667 90.0093 87.7518 85.5889 83.5156 81.5274 79.619952 115.2654 111.9963 108.8720 105.8846 103.0266 100.2914 97.6724 95.1636 92.7594 90.4542 88.2431 86.1214 84.0845 82.1283 80.2487 78.4420 76.704753 107.8062 104.9680 102.2474 99.6382 97.1350 94.7323 92.4254 90.2094 88.0800 86.0330 84.0644 82.1704 80.3477 78.5929 76.9027 75.2742 73.704654 100.6687 98.2230 95.8715 93.6098 91.4334 89.3387 87.3217 85.3788 83.5068 81.7023 79.9624 78.2842 76.6650 75.1022 73.5933 72.1359 70.7280

55 93.2632 91.1891 89.1890 87.2594 85.3973 83.5998 81.8640 80.1874 78.5675 77.0018 75.4881 74.0243 72.6082 71.2379 69.9117 68.6276 67.384056 85.1836 83.4682 81.8089 80.2034 78.6494 77.1449 75.6879 74.2766 72.9092 71.5839 70.2992 69.0534 67.8451 66.6729 65.5353 64.4312 63.359257 76.8037 75.4213 74.0800 72.7781 71.5143 70.2871 69.0953 67.9375 66.8124 65.7190 64.6561 63.6227 62.6176 61.6399 60.6887 59.7630 58.862158 68.2693 67.1881 66.1358 65.1114 64.1139 63.1424 62.1961 61.2741 60.3758 59.5001 58.6465 57.8142 57.0026 56.2109 55.4386 54.6851 53.949759 59.4911 58.6795 57.8871 57.1134 56.3576 55.6194 54.8982 54.1934 53.5046 52.8314 52.1732 51.5296 50.9003 50.2848 49.6826 49.0935 48.5171

60 50.4453 49.8695 49.3056 48.7532 48.2120 47.6818 47.1622 46.6529 46.1537 45.6644 45.1845 44.7141 44.2526 43.8001 43.3562 42.9206 42.493361 41.0758 40.6998 40.3304 39.9675 39.6108 39.2602 38.9156 38.5768 38.2438 37.9163 37.5943 37.2776 36.9661 36.6598 36.3583 36.0618 35.770162 31.5686 31.3518 31.1381 30.9275 30.7198 30.5150 30.3132 30.1141 29.9179 29.7243 29.5334 29.3450 29.1593 28.9760 28.7952 28.6169 28.440863 21.7315 21.6325 21.5346 21.4378 21.3420 21.2473 21.1537 21.0610 20.9694 20.8788 20.7891 20.7004 20.6126 20.5258 20.4399 20.3549 20.270764 11.3705 11.3454 11.3204 11.2957 11.2712 11.2468 11.2226 11.1987 11.1749 11.1513 11.1279 11.1047 11.0816 11.0587 11.0360 11.0135 10.9911
56 Table 18D.—DI Female Disabled Worker Monthly Life Annuity to Age 65 (Immediate)1

(1991-1995 Social Security disability experience)

1 Present value of monthly payments of $1 payable at the end of each month (annuity immediate), commencing with the year of entitlement and continuing up to age 65. Receipt of payment is contingent

upon survival under all forms of decrement to the next payment date. Payments are discounted to the beginning of entitlement using the annual effective interest rate shown and survivorship experience asshown in table 11B.

Select

age

Present value of annuity at given interest rate

1.0% 1.5% 2.0% 2.5% 3.0% 3.5% 4.0% 4.5% 5.0% 5.5% 6.0% 6.5% 7.0% 7.5% 8.0% 8.5% 9.0%

20 269.4086 247.7481 228.7594 212.0501 197.2912 184.2071 172.5650 162.1688 152.8525 144.4749 136.9161 130.0735 123.8595 118.1987 113.0265 108.2870 103.931921 269.5320 248.1159 229.2986 212.7050 198.0196 184.9768 173.3525 162.9565 153.6276 145.2283 137.6415 130.7668 124.5184 118.8219 113.6137 108.8384 104.448222 269.0775 247.9726 229.3856 212.9594 198.3927 185.4314 173.8597 163.4945 154.1797 145.7824 138.1884 131.2999 125.0330 119.3150 114.0831 109.2830 104.867623 267.8000 247.0949 228.8166 212.6271 198.2405 185.4148 173.9435 163.6513 154.3883 146.0260 138.4540 131.5778 125.3154 119.5963 114.3592 109.5509 105.124824 265.7261 245.5065 227.6130 211.7282 197.5822 184.9455 173.6224 163.4456 154.2717 145.9775 138.4574 131.6196 125.3854 119.6861 114.4624 109.6622 105.240525 262.9871 243.3211 225.8743 210.3499 196.4943 184.0916 172.9566 162.9308 153.8780 145.6807 138.2375 131.4610 125.2751 119.6138 114.4195 109.6421 105.237826 259.6656 240.6066 223.6558 208.5366 195.0124 182.8807 171.9675 162.1230 153.2186 145.1426 137.7988 131.1033 124.9836 119.3762 114.2259 109.4842 105.109027 255.9044 237.4862 221.0637 206.3804 193.2162 181.3819 170.7147 161.0739 152.3382 144.4020 137.1742 130.5750 124.5352 118.9944 113.8993 109.2036 104.866628 251.7708 234.0186 218.1493 203.9261 191.1447 179.6297 169.2287 159.8104 151.2606 143.4803 136.3829 129.8934 123.9457 118.4823 113.4524 108.8118 104.521329 247.4226 230.3476 215.0442 201.2944 188.9095 177.7268 167.6050 158.4213 150.0690 142.4549 135.4980 129.1270 123.2797 117.9013 112.9436 108.3643 104.1258

30 243.0726 226.6661 211.9235 198.6447 186.6558 175.8065 165.9655 157.0186 148.8663 141.4215 134.6076 128.3579 122.6135 117.3224 112.4390 107.9230 103.738431 238.5322 222.7980 208.6224 195.8224 184.2382 173.7315 164.1807 155.4801 147.5369 140.2699 133.6074 127.4867 121.8524 116.6555 111.8527 107.4056 103.280332 233.7997 218.7417 205.1396 192.8264 181.6560 171.5013 162.2506 153.8058 146.0812 139.0010 132.4984 126.5149 120.9983 115.9025 111.1867 106.8147 102.754233 229.1335 214.7370 201.6981 189.8647 179.1037 169.2984 160.3461 152.1567 144.6508 137.7580 131.4163 125.5710 120.1732 115.1795 110.5519 106.2560 102.261134 224.2773 210.5432 198.0709 186.7228 176.3778 166.9294 158.2840 150.3583 143.0795 136.3823 130.2095 124.5098 119.2381 114.3536 109.8205 105.6065 101.6828

35 219.3507 206.2701 194.3594 183.4945 173.5655 164.4758 156.1396 148.4811 141.4332 134.9359 128.9360 123.3865 118.2449 113.4737 109.0390 104.9106 101.061736 214.2686 201.8395 190.4916 180.1131 170.6051 161.8799 153.8599 146.4758 139.6662 133.3761 127.5567 122.1642 117.1597 112.5080 108.1778 104.1411 100.372237 208.9176 197.1449 186.3672 176.4845 167.4079 159.0587 151.3663 144.2682 137.7083 131.6367 126.0085 120.7836 115.9260 111.4035 107.1868 103.2498 99.568938 203.2764 192.1631 181.9610 172.5816 163.9454 155.9818 148.6276 141.8261 135.5271 129.6847 124.2582 119.2112 114.5104 110.1265 106.0322 102.2036 98.618839 197.6165 187.1493 177.5141 168.6322 160.4330 152.8539 145.8381 139.3348 133.2985 127.6881 122.4666 117.6008 113.0606 108.8186 104.8506 101.1339 97.6485

40 191.8909 182.0595 172.9844 164.5964 156.8331 149.6389 142.9633 136.7610 130.9913 125.6171 120.6051 115.9252 111.5501 107.4551 103.6177 100.0174 96.635941 185.9995 176.7975 168.2796 160.3855 153.0601 146.2544 139.9238 134.0283 128.5314 123.4000 118.6044 114.1175 109.9145 105.9733 102.2733 98.7960 95.524542 179.9728 171.3903 163.4236 156.0198 149.1313 142.7153 136.7323 131.1469 125.9273 121.0438 116.4700 112.1818 108.1568 104.3752 100.8186 97.4701 94.314343 173.9867 166.0023 158.5698 151.6436 145.1822 139.1483 133.5077 128.2292 123.2847 118.6482 114.2962 110.2072 106.3616 102.7413 99.3299 96.1122 93.074644 167.7145 160.3236 153.4240 146.9766 140.9458 135.2994 130.0076 125.0433 120.3822 116.0012 111.8800 107.9993 104.3422 100.8923 97.6352 94.5574 91.6463

45 161.2120 154.4057 148.0335 142.0625 136.4622 131.2049 126.2652 121.6198 117.2473 113.1282 109.2445 105.5796 102.1182 98.8463 95.7510 92.8205 90.043746 154.8261 148.5771 142.7100 137.1969 132.0119 127.1317 122.5343 118.2000 114.1105 110.2487 106.5992 103.1475 99.8806 96.7860 93.8524 91.0695 88.427647 148.5185 142.8021 137.4198 132.3478 127.5645 123.0503 118.7869 114.7570 110.9453 107.3373 103.9196 100.6797 97.6065 94.6892 91.9179 89.2836 86.777848 142.3006 137.0919 132.1734 127.5253 123.1298 118.9703 115.0314 111.2989 107.7595 104.4010 101.2122 98.1824 95.3019 92.5614 89.9527 87.4676 85.099049 136.1233 131.3996 126.9260 122.6864 118.6658 114.8509 111.2287 107.7873 104.5159 101.4039 98.4420 95.6211 92.9330 90.3700 87.9248 85.5907 83.3613

50 129.7445 125.4918 121.4525 117.6135 113.9628 110.4892 107.1821 104.0321 101.0297 98.1667 95.4349 92.8269 90.3360 87.9556 85.6795 83.5020 81.417951 122.4027 118.6334 115.0427 111.6201 108.3560 105.2417 102.2687 99.4291 96.7156 94.1213 91.6398 89.2650 86.9912 84.8132 82.7258 80.7244 78.804652 114.8167 111.5133 108.3570 105.3397 102.4538 99.6926 97.0492 94.5176 92.0921 89.7670 87.5373 85.3981 83.3449 81.3733 79.4794 77.6593 75.909453 107.3739 104.5030 101.7518 99.1139 96.5837 94.1556 91.8250 89.5866 87.4362 85.3695 83.3823 81.4709 79.6317 77.8615 76.1567 74.5145 72.932054 100.2574 97.7806 95.3998 93.1104 90.9079 88.7886 86.7484 84.7835 82.8908 81.0668 79.3084 77.6128 75.9771 74.3987 72.8750 71.4037 69.9825

55 92.8740 90.7704 88.7425 86.7865 84.8993 83.0781 81.3198 79.6218 77.9817 76.3968 74.8648 73.3837 71.9512 70.5652 69.2242 67.9260 66.669056 84.8152 83.0724 81.3869 79.7565 78.1788 76.6518 75.1732 73.7414 72.3545 71.0106 69.7081 68.4453 67.2208 66.0332 64.8809 63.7627 62.677357 76.4570 75.0493 73.6838 72.3587 71.0728 69.8243 68.6122 67.4350 66.2912 65.1800 64.0999 63.0502 62.0293 61.0366 60.0709 59.1313 58.217158 67.9459 66.8417 65.7673 64.7217 63.7037 62.7126 61.7474 60.8072 59.8914 58.9988 58.1290 57.2810 56.4544 55.6482 54.8619 54.0949 53.346559 59.1923 58.3602 57.5481 56.7552 55.9810 55.2249 54.4865 53.7650 53.0600 52.3712 51.6979 51.0397 50.3963 49.7671 49.1517 48.5497 47.9609

60 50.1721 49.5786 48.9975 48.4284 47.8710 47.3250 46.7901 46.2659 45.7522 45.2489 44.7553 44.2717 43.7973 43.3322 42.8761 42.4286 41.989861 40.8282 40.4375 40.0538 39.6769 39.3065 38.9425 38.5849 38.2334 37.8880 37.5483 37.2145 36.8862 36.5634 36.2461 35.9338 35.6268 35.324862 31.3527 31.1244 30.8994 30.6777 30.4592 30.2437 30.0314 29.8221 29.6158 29.4123 29.2117 29.0138 28.8188 28.6263 28.4365 28.2494 28.064763 21.5556 21.4485 21.3427 21.2380 21.1344 21.0321 20.9310 20.8309 20.7319 20.6341 20.5373 20.4416 20.3469 20.2533 20.1607 20.0690 19.978364 11.2564 11.2270 11.1977 11.1687 11.1399 11.1113 11.0830 11.0550 11.0271 10.9994 10.9720 10.9449 10.9179 10.8911 10.8645 10.8382 10.8120
57

APPENDIX
58

.
59

V. TECHNICAL APPENDIX ON TABLE CONSTRUCTION METHODOLOGY

A. Overview

Select-and-ultimate tables 7A-9B present probabilities of

decrement from the Social Security Disability Insurance (DI)

beneficiary rolls. Table construction is based on 100 percent

data from the Social Security Administration Master

Beneficiary Record (MBR). Over 6.6 million records of

disabled worker beneficiaries were analyzed over a 5-year

period—January 1, 1991 through December 31, 1995. The

primary variables for the study include: the reason for

decrement from the DI rolls, and duration since entitlement.

Concomitant variables include the age at entitlement to

benefits, and gender of the beneficiary. The analysis reflects a

total of roughly 13.6 million life-years of exposure for males

and 8.1 million life-years of exposure for females. A 10-year

select period was chosen for this study, implying that

decrement for participants 10 or more years beyond selection is

a function of attained age only.

The reasons for termination of DI benefits can be categorized

as follows:

• Death;

• Recovery;

• All other reasons (including old-age conversion).

Decrement due to “all other reasons” is treated as withdrawal

from the study, and directly affects exposure. However,

separate decrement tables were not developed for this category.

The table below provides a breakdown of the termination data

collected from the MBR. Note that there exist differences in

classifying various disability actions among the various data

sources consulted for this study. As a result, termination counts

stated here may differ from those stated elsewhere.

Source: MBR database as of January 1998.

As stated in the study, various exogenous variables have an

impact on disability recovery rates without actually affecting

the underlying rate of medical improvement. These include the

level of continuing disability review activity, budget

restrictions, and legislation. To some extent, the same may be

true for death rates. In any event, the prevailing administrative

policy can have a large impact on the nature of allowances, and

the degree of overall impairment-severity of the DI rolls. This

results in fluctuating recovery and mortality rates over time.

Ideally, the observation period would exhibit limited legislation

and minimal effects from exogenous variables. However, it

should be noted that the DI program experienced significant

growth in claims during 1991-1995, which limited the number

of reviews performed over that period.

B. Data Considerations

The mortality experience reported in this study is affected by

several unique circumstances. First, it is recognized that a

claimant may die while waiting for a disability determination.

Since observation of a participant is contingent upon

entitlement, a disability which results in death prior to

entitlement will not be an “observed” death. As a result, the

probability of death during the first year of entitlement may be

artificially low.

Second, non-death and non-recovery terminations are almost

exclusively comprised of beneficiaries who have either been

automatically converted to old-age benefits upon attainment of

normal retirement age (a disability action termed conversion),

or have opted to receive old-age benefits in lieu of disability

benefits prior to normal retirement age. In either case,

observation stops with the last month in which DI benefits are

paid. Since the decision to switch prior to full retirement age

might be based on any number of unknown personal reasons

(health, economic, etc.), it is not clear whether the mortality

profile of the DI rolls changes significantly for attained ages 62

and older.

C. Data Collection

The model for this study utilizes a customized database that

was constructed from 100 percent MBR data as of January

1998. The general record selection criteria are outlined below.

The final data was subjected to numerous screenings and

categorizations.

Included in the study are: 

• Primary claimants (workers) present on the DI beneficiary

rolls sometime during the observation period;

• A maximum of three periods of disability for each primary

having multiple periods of disability.

Excluded from the study are: 

• A primary claimant’s entitled dependents (spouses and

children); 

• Disability periods terminated or permanently suspended

prior to January 1, 1991; 

• Beneficiaries dying or attaining age 65 prior to January 1,

19911

.

DI Disabled Worker Terminations by Reason

(January 1991-December 1995)

Male Female Total

Death 565,887 235,159 801,046

Recovery 83,637 44,382 128,019

Other 590,726 326,292 917,018

Total 1,240,250 605,833 1,846,083

1 DI beneficiaries born on or before February 1, 1926 would have been

automatically converted to old-age benefits prior to January 1, 1991.
60

D. Underlying Methodology

The availability of complete data on each participant in the

study (including date of birth, date of entitlement, and cause of

decrement) allows us to directly estimate the multipledecrement probabilities , where represents the cause of

decrement. Alternatively, we could directly estimate the

associated single-decrement (absolute) rates , which could

then be used to derive the multiple-decrement probabilities. We

chose the former method, making use of scheduled exposure of

the observed population. Under this approach, the ordered pair

 is determined for each age interval for which a

participant is observed. The concept is that each participant

enters the interval at age , and is scheduled to

exit the interval at age . Numerically, is

the amount of time (measured in life-years) that the participant

is potentially under observation and exposed to the risk of

decrement. Summing over all participants, we can calculate the

scheduled exposure contributed to an interval.2

A participant may survive to the end of an interval, or may exit

the study prior to the end of the interval in the event of:

• Death;

• Recovery or other non-death decrement;

• Conversion to old-age benefits at age 65; or

• The end of the observation period—termed an 

observed ender.

Based on this criteria, a scheduled ending age, , is

established for an age interval in which the participant is

expected to either survive to the end , convert to old-age

benefits prior to the end , or become an observed ender

.

3 Scheduled exposure is then credited to the appropriate

interval (or duration since selection) using the following

conditions: if the participant survives to the end of the interval,

then exposure is credited from to ; if the participant

dies, converts to old-age benefits, or is an observed ender

within the interval, then exposure is credited from to

; if the participant withdraws from the study during the

interval (for example, recovers or switches to old-age benefits

prior to age 65), then exposure is credited from age to

.

Note that in previous DI experience studies published by our

office, the crediting of exposure for observed deaths was based

on the actuarial method. Under this approach, exposure for a

death is credited from to regardless of any

scheduled ending age. For example, assume is a

participant’s expected age at the close of the observation

period. If death occurs during the interval that closes the

observation period, the actuarial method would credit exposure

up to age , which would be beyond the end of the

observation period whenever . We follow Hoem’s method

in this regard and credit exposure only up to age .

Multiple-decrement probabilities for an interval are found by

dividing the observed number of deaths or recoveries by the

aggregate scheduled exposure. Single-decrement rates are then

derived from the probabilities using a constant force

assumption for the distribution of decrement within a given

interval. The method used in the construction of the select-andultimate multiple-decrement tables found in this study is

detailed in chapter 9 of Actuarial Mathematics (Bowers et al.

1986).

For computation purposes, all dates are expressed as decimaldates rounded to two decimal places (for example,

10-July-1993 is expressed as 1993.52). Coding detail is

documented below for internal purposes. Variable acronyms

are equivalent to those found in the description of the MBR

database.

Entitlement dates

Various entitlement dates are converted to decimal-dates under

the assumption that entitlement occurs on the first day of the

month. Entitlement date variables include month and year of:

initial entitlement (DOEI), disability entitlement (DOED), and

current entitlement (DOEC).

Date of death

The decimal-date of death is calculated from the beneficiary

date of death variable (BDOD), which states month, day, and

year of death. Death on the 15th of the month is assumed for

instances where the day of death is not recorded. Death on the

1st of the month is assumed for instances where the beneficiary

dies in the month of the anniversary of entitlement. As an

example, consider the following data for a participant who

neither recovers nor switches to old-age benefits:

Date of entitlement: 1-July-1992 

Date of death: 10-July-1993

Given death on 10-July-1993, the last month of entitlement to

DI benefits is June-1993; hence the participant is only observed

during the period July-1992 through June-1993. However,

allowing that death occurs on 10-July-1993 is tantamount to

allowing entry into the next observation interval—which would

have begun at the entitlement anniversary on 1-July-1993—and

Hoem’s method would credit exposure from 1-July-1993

through the scheduled ending age for that interval. To avoid

crediting exposure for the second interval (since the participant

was not observed), the date of death is modified to be

1-July-1993, and exposure is credited only for the first interval.

2 For a complete discussion, refer to chapter 6 of Survival Models and

Their Estimation (London 1988, second edition). 3 A participant who dies during the interval does so at age ;

a participant observed to withdraw from the study during the interval

does so at age .

q( )i i

q′

( )i

( ) r s, (x, x + 1 ]

x r + 0( ) ≤ r < 1

x s + 0( ) < s ≤ 1 s r –

x s +

( ) s = 1

( ) s < 1

( ) s < 1

xtxs + ≤ +

xkxs + < +

x r + x + 1

x r +

x s +

x r +

x s +

x r + x + 1

x s +

x + 1

s < 1

x s +
61

Also note that death is counted as having occurred exactly at

the endpoint of the first interval, and is therefore included in

that interval.

With respect to the MBR database, death carries a disability

action code (termed LAF code) of “T1”.

Date of conversion

With regard to conversion to old-age benefits, the last month of

entitlement to DI worker benefits is the month before the

month in which the worker attains age 65 4. For programming

purposes, it is assumed that conversion takes place on the first

day of the month of attainment of age 65; therefore, the

calculated age at conversion is fractionally less than 65. Also

note that if death occurs in the month of attainment of age 65,

the case is counted as a conversion rather than an observed

death.

Date of withdrawal

All other decrements occur on the first day of the month as

coded in the date of suspension or termination (DOST), or date

of disability benefit cessation (DDBC) variables. DOST

provides detail on the date of suspension or termination of

benefits for the most recent period of disability. Note that

DOST corresponds to the value of the LAF code and is

therefore subjected to continuous updating. As such, DOST

will not provide a “history” of benefit termination for

individuals with multiple periods of disability.

DDBC refers to the first month for which disability benefits are

not payable. This variable is referenced for participants having

multiple periods of disability, and for times when the DOST

variable cannot provide an historical account of disability

activity. The following examples illustrate the coding

conventions used for the disability action variables DOST,

DDBC, and LAF:

Example 1

DI benefits are payable for the month in which a beneficiary

medically recovers, as well as the next 2 months. Consider a

beneficiary having a single period of disability with recovery in

April. The beneficiary remains entitled through June. At that

time, LAF is coded as “T8” (indicating recovery) and DOST is

coded as July.

Example 2

Consider a DI beneficiary who, though not medically

recovered, begins to participate in SGA, with the following

benefit payment history:

• Benefits are paid throughout a 9-month trial work period

during which SGA is performed—LAF code is “C” as DI

benefits remain payable;

• Following the trial work period, DI benefits are paid

throughout the 36-month extended period of eligibility for

those months in which SGA is not performed—LAF code

is “C” for months in which DI benefits remain payable,

and “S7” for months in which DI benefits are suspended;

• Following the extended period of eligibility, DI benefits

terminate, but Medicare benefits remain payable—LAF

code is “U” when only Medicare benefits are payable;

• Medicare benefits terminate—LAF code is “X7”.

In this case DDBC is coded as the first month in which DI

benefits are not payable; and DOST would vary with the

different LAF codes, ultimately reflecting the date at which

Medicare benefits terminate.

Select age

Since most beneficiaries do not become entitled to benefits on

their exact birthdays, entitlement would normally occur at

some fractional age. To facilitate exposure calculations, a

participant’s insuring age and corresponding insuring date of

birth are substituted for the actual age at entitlement and actual

date of birth. In this study, the insuring age is calculated to be

the beneficiary’s age last birthday as of entitlement. For

example, consider the following beneficiary data:

Date of entitlement: 1-February-1992

Date of birth: 10-July-1960

Actual age at entitlement: 31 years, 206 days

Insuring age: 31 years

Insuring date of birth: 1-February-1961

Use of insuring age results in an integral select age at

entitlement ensuring that subsequent durations begin on the

entitlement anniversary. This is true whether the participant

enters the study during the observation period, or is already

part of the entitlement group when the observation period

opens. However the entry age into the study for those already

part of the entitlement group when the observation period

opens may not be integral.

4 Under present law, beneficiaries born on the 1st of the month revert to

the previous month as the month of attaining the next integral age. In

this case, conversion to old-age benefits would occur on the first day of

the preceding month in which the DI beneficiary attains age 65.
62

Entry age into the study (YI)

For selection during the observation period, the entry age is the

beneficiary’s age as of the date of entitlement. For selection

prior to the beginning of the observation period, the entry age

is the beneficiary’s age as of January 1, 1991. In either case, the

beneficiary’s age is measured from the insuring date of birth.

Scheduled exit age from the study (ZI)

Participants are scheduled to exit the study either as an old-age

conversion or an observed ender. If the participant will attain

normal retirement age prior to the end of the observation

period then ZI is the conversion age—as previously noted, this

usually will be fractionally less than age 65. If the beneficiary

will not attain age 65 prior to the end of the observation period,

then ZI is the beneficiary’s age as of December 31, 1995.

Actual exit age from the study due to death (THI) or

withdrawal (PSI)

If a participant dies within the observation period—prior to

conversion—then THI would reflect the date-of-death

conventions mentioned earlier. If a participant withdraws from

the study as a result of old-age conversion, then PSI would be

the conversion age. If withdrawal occurs for any other reason,

then PSI would be the age as of the withdrawal date. Both THI

and PSI would be used in calculating exposure for absolute

death and withdrawal rates and .

Duration

The intervals during which a participant is observed—

measured from the select age—are referred to as durations. For

each select age and duration , we produce the ordered

pair representing each participant’s scheduled exposure

contribution to the observation interval .

For durations extending beyond the 10-year select period,

exposure is credited to the appropriate attained age interval.

Fractional times

The fractional-time variables used to determine scheduled

exposure contributions to an observation interval are defined

below:

• Time at which observation begins: 

• Time at which observation is scheduled to end: 

The amount of exposure contributed at each duration is

summarized as follows:

Table construction

For each combination of select age and duration, the multipledecrement probabilities and are calculated as the ratio

of (a) the observed number of deaths or recoveries to (b)

aggregate scheduled exposure. The probabilities are graduated

and then used to obtain estimates for the absolute rates of

decrement and as outlined below (note that d, r, and

 superscripts refer to death, recovery, and total decrement,

respectively):

Estimate the total decrement probability:

Under the assumption of constant force for each decrement

over each age interval, derive estimates for the absolute rates:

The graduated, multiple-decrement probabilities are shown in

tables 7A-9B; absolute rates appear in appendix tables A.3AA.4B. The life functions, expected future lifetimes, and life

annuities presented in this study are based on the probabilities.

Probabilities versus absolute rates

The data for this study was collected in a multiple-decrement

environment, however, we explicitly consider only two major

decrements—death and recovery. The quantity represents

the probability of death in the presence of the other

decrements. Mathematically, this is represented by:

 = 

where is the probability of neither dying nor recovering

prior to death at age ; and is the force of mortality.

For each of the causes of decrement in a multiple-decrement

model, it is possible to define a single-decrement model that

depends only on a particular cause of decrement. The quantity

q′

( ) d

q′

( ) w

[ ] x n

(r s, )

([ ] x + n, [ ] x + + n 1 ]

r

r 0, YI x ≤

 YI x – , x YI x < < + 1



 =

s

s ZI x – , x ZI x < < + 1

 1, ZI x ≥ + 1



 =

exposure

s r – , survivor, ender, conversion at 65

s r – , death

s r – , withdrawal (recovery, conversion < 65) 









=

q( ) d q( )r

q′

( ) d

q′

( )r

τ

q( ) τq( ) dq( )r = +

q′

( ) d 1 1 q( ) τ –[ ] – q( ) d q( ) τ ⁄ =

q′( )r 1 1 q( ) τ –[ ] – q( )r q( ) τ ⁄ =

q( ) d

qx

( ) d

pt x

( ) τ

μx t +

( ) d dt

0

1

∫

p( ) τ

x t + μ( ) d
63

 represents the absolute rate of death in the associated

single-decrement environment. Mathematically, this is

represented by:

= 

where is the probability that death will not occur prior to

age . 

By defining a new fractional-time variable and withdrawal

exposure (as shown below), absolute death rates could be

calculated directly from the data as the ratio of deaths to

aggregate exposure: 

Graduation

The select-and-ultimate multiple-decrement probabilities were

graduated using the two-dimensional Whittaker-Henderson

Type B method5

. The horizontal and vertical smoothing

coefficients were chosen to obtain smoothness both across

rows and down columns, while deviating as little as possible

from the original estimates.

Life functions

Life tables 10A-10C are constructed from the blended selectand-ultimate probabilities shown in appendix tables A.1AA.1C. The blended tables are constructed from disability

mortality (tables 7A-7B) and general population mortality for

1995. Results of the blending are highlighted in the appendix

tables. The two-step blending process involves the following:

• Probabilities for ultimate attained ages 62 or older (duration “10+”) are calculated by applying a constant mortality

ratio to ultimate attained age 61. The mortality ratios are

approximately 1.05 for males, and 1.06 for females. Under

this assumption, disability mortality and the general population mortality for 1995 converge around age 90 for

males, and age 94 for females. 

• Probabilities for select attained ages 62 or older (durations

0-9) are blended into the ultimate probabilities derived in

the first step by applying the duration-over-duration mortality ratios exhibited by select attained age 61. The resulting probabilities retain much of the characteristics of

disability mortality in the earlier durations, then gradually

reflect characteristics of general population mortality in

the later durations.

The life functions are first constructed for

select age , using a radix of 100,000. Life functions

for select ages are derived using the survival

probabilities of the given select age. For these ages, is

calculated so that is attained. Note that represents

the number alive at the beginning of duration from those

originally entitled at select age .

The blended death probabilities are added to the graduated

recovery probabilities to produce the blended total termination

probabilities shown in appendix tables A.2A and A.2B. These

probabilities are used to construct life tables 11A and 11B,

respectively.

Expected future lifetime and annuity tables

Expectation tables 12A-14C and annuity tables 15A-18D are

produced from the life functions described above using basic

actuarial principles found in any standard actuarial text on life

contingencies.

E. Programs

For internal purposes, this section outlines the series of

programs used to process data from the 100 percent MBR as of

January 1998.

EXPCLASS—Program which classifies each record in the

sample, and writes out the record (as it appears) along with the

record’s classification code. The main purpose is to distinguish

which of the three most recent periods of disability (“DIB

lines”) contain relevant data with respect to the established

observation period. A total of 14, 9, and 6 possible

classifications were established for the first–most, second–

most, and third–most recent periods of disability, respectively.

EXFORT—An original record may contain up to three periods

of disability that must be split out, and an individual record

written for each period. This program reconstructs the MBR

record as it would have originally appeared at the time of

disability. Depending on the individual classifications of the

DIB lines, certain information is written to create up to three

separate records from the original record.

EXT5MAIN—Program which processes the records written

out by EXFORT and defines all variables needed to tabulate

exposure, and classify deaths, recoveries, and all other

terminations by select age, gender, and duration.

EXT5EXP—Program which calculates exposure in aggregate

life-years based on output from EXT5MAIN.

5 For details, refer to chapter 8 of Graduation: The Revision of Estimates

(London 1985).

q′

( ) d

qx

′( ) d

p′ t x

( ) d

μx t +

( ) d dt

0

1

∫

p′

( ) d

x t +

k

k PSI x – , withdrawal occurs within interval

 0 otherwise , 

 =

exposure

s r – , survivor, ender, conversion at 65

s r – , death

 k r – , withdrawal (recovery, conversion < 65) 







=

l[ ] x , ,, l[ ] x + 1 ... l109

[ ] x = 20

[ ] x > 20

l[ ] x

lx + 10 l[ ] x + t

t

[ ] x
64

EXT5DTH—Program which tabulates DI deaths based on

output from EXT5MAIN.

EXT5RCV—Program which tabulates DI recoveries based on

output from EXT5MAIN.

EXT5OTH—Program which tabulates DI terminations for “all

other reasons” based on output from EXT5MAIN.

wh2dgrad.f—Program which performs the WhittakerHenderson Type B two-dimensional graduation. Required

input includes the ungraduated values, graduation weights, and

the choice of horizontal and vertical smoothing coefficients.
65

Notes:

(1) Select-and-ultimate probabilities from table 7A blended to general population mortality for 1995. These values are used to construct life table 10A.

(2) Values are read across the row for durations 0-10, and down the ultimate column (“10+”) for durations greater than 10.

(3) See appendix table A.1C for attained ages beyond age 74.

Table A.1A.—DI Male Disabled Worker Probability of Death (Blended)

(1991-1995 Social Security disability experience)

Select

age

Duration of disability Attained

0 1 2 3 4 5 6 7 8 9 10+ age

20 0.017889 0.013691 0.010076 0.007712 0.006414 0.006243 0.006639 0.007396 0.007709 0.007550 0.007873 30

21 0.021394 0.016716 0.012485 0.009665 0.008010 0.007524 0.007536 0.008123 0.008164 0.008036 0.008573 31

22 0.025293 0.020261 0.015302 0.011616 0.009565 0.008716 0.008396 0.008831 0.008680 0.008570 0.009018 32

23 0.029890 0.024887 0.018694 0.013832 0.011063 0.009753 0.009359 0.009432 0.009313 0.009009 0.009289 33

24 0.035863 0.030661 0.022830 0.016317 0.012666 0.010843 0.010205 0.009989 0.010080 0.009498 0.009639 34

25 0.043244 0.037630 0.027570 0.019117 0.014166 0.011778 0.010764 0.010580 0.010755 0.010068 0.009964 35

26 0.051200 0.044691 0.032337 0.021806 0.015451 0.012607 0.011438 0.011166 0.011203 0.010520 0.010060 36

27 0.059128 0.050628 0.036452 0.024181 0.016899 0.013405 0.011998 0.011619 0.011583 0.011061 0.010258 37

28 0.065669 0.055377 0.039515 0.026047 0.018223 0.014329 0.012507 0.012079 0.011984 0.011665 0.010675 38

29 0.070538 0.058766 0.041999 0.027197 0.019386 0.015337 0.013189 0.012713 0.012544 0.012295 0.011268 39

30 0.073711 0.061068 0.043292 0.028230 0.020218 0.016191 0.014054 0.013354 0.013276 0.012949 0.012245 40

31 0.075477 0.061522 0.043848 0.029072 0.020928 0.016730 0.014848 0.014112 0.014081 0.013669 0.013235 41

32 0.077085 0.061888 0.044213 0.029581 0.021265 0.017260 0.015770 0.015102 0.015053 0.014656 0.014114 42

33 0.077824 0.062024 0.044254 0.030100 0.021811 0.018167 0.016677 0.016062 0.015795 0.015613 0.014695 43

34 0.078340 0.061669 0.043994 0.030631 0.022561 0.018849 0.017552 0.016855 0.016497 0.016463 0.015571 44

35 0.079178 0.061365 0.043463 0.031237 0.023457 0.019655 0.018343 0.017781 0.017446 0.017332 0.016566 45

36 0.079452 0.061170 0.043257 0.031148 0.024274 0.020535 0.019166 0.018618 0.018492 0.018406 0.017754 46

37 0.079577 0.061156 0.043084 0.030854 0.024667 0.021499 0.020224 0.019350 0.019367 0.019549 0.019221 47

38 0.079902 0.060320 0.042381 0.030397 0.024842 0.022326 0.021392 0.020285 0.020181 0.020432 0.020090 48

39 0.080544 0.059014 0.040642 0.030047 0.025139 0.022996 0.022422 0.021488 0.021202 0.021473 0.020826 49

40 0.080814 0.057694 0.038977 0.029621 0.025345 0.023919 0.023324 0.022652 0.022631 0.022803 0.022134 50

41 0.080658 0.056434 0.037712 0.029246 0.025769 0.024392 0.024425 0.024270 0.024598 0.024760 0.023729 51

42 0.080079 0.055245 0.037185 0.029265 0.025987 0.024985 0.025684 0.025992 0.026788 0.027336 0.025594 52

43 0.079862 0.054184 0.036866 0.029656 0.026764 0.026005 0.026939 0.027523 0.028925 0.029649 0.027496 53

44 0.080042 0.053239 0.037023 0.030037 0.027948 0.027378 0.028219 0.029039 0.030815 0.031376 0.029651 54

45 0.080736 0.052125 0.037109 0.030916 0.029227 0.028898 0.029381 0.030614 0.032647 0.033104 0.031698 55

46 0.082514 0.051843 0.037367 0.032300 0.030278 0.030286 0.030938 0.032761 0.034612 0.035076 0.033563 56

47 0.084207 0.052433 0.038108 0.033413 0.031455 0.031855 0.032739 0.034951 0.036705 0.037435 0.035618 57

48 0.084663 0.052549 0.038603 0.034032 0.033026 0.033719 0.034805 0.036965 0.038574 0.040136 0.038304 58

49 0.083520 0.052009 0.038690 0.034153 0.034493 0.035227 0.037166 0.038468 0.040275 0.042510 0.040646 59

50 0.081998 0.051381 0.038674 0.034524 0.035447 0.037220 0.039347 0.039974 0.042091 0.044594 0.042878 60

51 0.085624 0.052812 0.040008 0.036314 0.036803 0.039340 0.041440 0.042255 0.044422 0.047052 0.045908 61

52 0.088961 0.054347 0.041259 0.037956 0.038471 0.041486 0.043023 0.044771 0.047276 0.048735 0.048214 62

53 0.090391 0.055072 0.041780 0.039094 0.040293 0.043515 0.045143 0.047019 0.049661 0.051183 0.050636 63

54 0.087985 0.054822 0.041938 0.039834 0.042003 0.045506 0.047365 0.048301 0.052155 0.053754 0.053179 64

55 0.083943 0.054239 0.041694 0.040669 0.043638 0.046974 0.048486 0.050727 0.054775 0.056454 0.055850 65

56 0.085655 0.055569 0.043917 0.042815 0.046197 0.048396 0.050921 0.053275 0.057526 0.059289 0.058655 66

57 0.087558 0.057667 0.047243 0.045645 0.048026 0.050827 0.053479 0.055951 0.060416 0.062267 0.061601 67

58 0.090269 0.060473 0.050325 0.048360 0.050438 0.053380 0.056165 0.058761 0.063450 0.065395 0.064695 68

59 0.092258 0.063368 0.052346 0.050789 0.052972 0.056061 0.058986 0.061713 0.066637 0.068679 0.067945 69

60 0.096197 0.066224 0.054975 0.053340 0.055632 0.058877 0.061949 0.064812 0.069984 0.072129 0.071358 70

61 0.109424 0.069550 0.057737 0.056019 0.058427 0.061834 0.065061 0.068068 0.073499 0.075752 0.074942 71

62 0.114920 0.073044 0.060637 0.058833 0.061361 0.064940 0.068328 0.071487 0.077191 0.079557 0.078706 72

63 0.120692 0.076713 0.063682 0.061788 0.064443 0.068202 0.071760 0.075077 0.081068 0.083553 0.082659 73

64 0.126754 0.080566 0.066881 0.064892 0.067680 0.071627 0.075365 0.078848 0.085140 0.087749 0.086811 74
66

Notes:

(1) Select-and-ultimate probabilities from table 7B blended to general population mortality for 1995. These values are used to construct life table 10B.

(2) Values are read across the row for durations 0-10, and down the ultimate column (“10+”) for durations greater than 10.

(3) See appendix table A.1C for attained ages beyond age 74.

Table A.1B.—DI Female Disabled Worker Probability of Death (Blended)

(1991-1995 Social Security disability experience)

Select

age

Duration of disability Attained

0 1 2 3 4 5 6 7 8 9 10+ age

20 0.016197 0.012490 0.009198 0.007198 0.007059 0.007736 0.008301 0.007736 0.007249 0.006961 0.007374 30

21 0.018468 0.013752 0.009909 0.007625 0.007384 0.007715 0.007983 0.007593 0.007293 0.007287 0.007782 31

22 0.020512 0.015097 0.010687 0.008171 0.007721 0.007756 0.007683 0.007515 0.007423 0.007554 0.007901 32

23 0.022390 0.016457 0.011628 0.008898 0.008005 0.007773 0.007563 0.007513 0.007615 0.007740 0.007799 33

24 0.023890 0.017722 0.012740 0.009769 0.008239 0.007803 0.007706 0.007636 0.007902 0.007996 0.007699 34

25 0.025237 0.018824 0.013623 0.010489 0.008638 0.008013 0.007981 0.008030 0.008268 0.008309 0.007880 35

26 0.026582 0.019915 0.014377 0.011122 0.009054 0.008392 0.008395 0.008534 0.008652 0.008732 0.008325 36

27 0.028107 0.020922 0.015034 0.011407 0.009497 0.008846 0.008786 0.008988 0.009105 0.009125 0.008722 37

28 0.029742 0.021812 0.015503 0.011625 0.009827 0.009179 0.009281 0.009348 0.009606 0.009548 0.009037 38

29 0.031476 0.022414 0.015743 0.011906 0.010074 0.009501 0.009672 0.009758 0.010144 0.010087 0.009518 39

30 0.033049 0.022807 0.015808 0.012120 0.010432 0.009813 0.009962 0.010143 0.010608 0.010516 0.010285 40

31 0.034603 0.023475 0.016099 0.012361 0.010977 0.010202 0.010187 0.010493 0.010881 0.010987 0.010895 41

32 0.036149 0.024427 0.016549 0.012581 0.011364 0.010738 0.010378 0.010766 0.011109 0.011541 0.011428 42

33 0.037220 0.025256 0.016896 0.012789 0.011556 0.011066 0.010454 0.010956 0.011497 0.012052 0.012137 43

34 0.038754 0.025993 0.017258 0.013207 0.011693 0.011264 0.010691 0.011230 0.011919 0.012469 0.012772 44

35 0.040325 0.026376 0.017598 0.013394 0.011807 0.011631 0.011189 0.011588 0.012199 0.012796 0.013090 45

36 0.041674 0.027174 0.017960 0.013656 0.012227 0.011984 0.011887 0.011959 0.012446 0.013063 0.013475 46

37 0.043156 0.028246 0.018455 0.014193 0.012879 0.012572 0.012631 0.012460 0.012840 0.013507 0.014208 47

38 0.045484 0.029325 0.019031 0.014746 0.013447 0.013320 0.013387 0.013225 0.013375 0.013994 0.015042 48

39 0.047476 0.030016 0.019823 0.015296 0.014101 0.014183 0.014427 0.014176 0.014113 0.014646 0.015460 49

40 0.049265 0.030743 0.020377 0.015755 0.014809 0.015110 0.015425 0.015123 0.015171 0.015464 0.015963 50

41 0.051246 0.031654 0.020747 0.016246 0.015487 0.015645 0.016143 0.016151 0.016538 0.016683 0.016697 51

42 0.053596 0.032633 0.021157 0.016789 0.015965 0.016006 0.016752 0.017228 0.018052 0.018157 0.017615 52

43 0.055300 0.033720 0.021714 0.017379 0.016549 0.016331 0.017211 0.018104 0.019412 0.019773 0.019003 53

44 0.057164 0.034945 0.022597 0.018180 0.017597 0.017273 0.017898 0.019001 0.020794 0.021143 0.020383 54

45 0.059383 0.036424 0.023417 0.019028 0.018749 0.018384 0.018730 0.020228 0.022124 0.022659 0.021634 55

46 0.061319 0.037448 0.024081 0.019810 0.019578 0.019658 0.019821 0.021635 0.023300 0.024058 0.022471 56

47 0.062887 0.038248 0.024921 0.020341 0.020038 0.020804 0.021129 0.022944 0.024476 0.025279 0.023587 57

48 0.063696 0.038536 0.025535 0.021190 0.020618 0.021786 0.022474 0.023838 0.025501 0.026539 0.025130 58

49 0.063459 0.038519 0.026141 0.022119 0.021351 0.022610 0.023586 0.024930 0.026500 0.027680 0.026800 59

50 0.062747 0.038901 0.026688 0.022876 0.022332 0.023423 0.024654 0.026082 0.027551 0.028795 0.028256 60

51 0.064962 0.040613 0.027600 0.024278 0.023298 0.024756 0.026291 0.027638 0.029189 0.030135 0.029539 61

52 0.067051 0.042379 0.028876 0.025859 0.024922 0.026659 0.028383 0.029548 0.030984 0.031217 0.031314 62

53 0.068371 0.043214 0.030359 0.027016 0.026789 0.028534 0.030328 0.031234 0.032413 0.033093 0.033196 63

54 0.067249 0.043388 0.031069 0.028076 0.028623 0.030464 0.031604 0.031994 0.034361 0.035082 0.035191 64

55 0.066290 0.043601 0.032303 0.029371 0.030355 0.031924 0.032382 0.033917 0.036426 0.037190 0.037306 65

56 0.067807 0.045209 0.034551 0.031368 0.032180 0.032759 0.034328 0.035955 0.038615 0.039425 0.039548 66

57 0.069862 0.047434 0.037268 0.033874 0.033300 0.034728 0.036391 0.038116 0.040935 0.041794 0.041924 67

58 0.072569 0.049831 0.039080 0.035635 0.035301 0.036815 0.038578 0.040406 0.043395 0.044306 0.044444 68

59 0.076010 0.052660 0.040842 0.037776 0.037423 0.039027 0.040896 0.042834 0.046003 0.046968 0.047114 69

60 0.080481 0.055733 0.043296 0.040047 0.039671 0.041372 0.043354 0.045409 0.048768 0.049791 0.049946 70

61 0.087856 0.059082 0.045898 0.042453 0.042056 0.043859 0.045959 0.048137 0.051698 0.052783 0.052947 71

62 0.093136 0.062633 0.048657 0.045004 0.044583 0.046494 0.048721 0.051030 0.054805 0.055955 0.056129 72

63 0.098733 0.066397 0.051581 0.047709 0.047262 0.049288 0.051649 0.054097 0.058099 0.059318 0.059502 73

64 0.104666 0.070387 0.054680 0.050576 0.050102 0.052250 0.054753 0.057348 0.061590 0.062882 0.063078 74
67

Notes:

(1) Blended probability of death as of attained age 75 or older. These values are used to construct life table 10C.

(2) Values extend tables A.1A and A.1B.

Table A.1C.—DI Disabled Worker Probability of Death (Blended)

for Older Attained Ages

(1991-1995 Social Security disability experience)

Attained

age Male Female

75 0.091171 0.066869

76 0.095751 0.070887

77 0.100560 0.075147

78 0.105611 0.079663

79 0.110916 0.084450

80 0.116487 0.089525

81 0.122338 0.094906

82 0.128482 0.100609

83 0.134936 0.106655

84 0.141713 0.113064

85 0.148831 0.119859

86 0.156307 0.127062

87 0.164158 0.134698

88 0.172403 0.142792

89 0.181063 0.151373

90 0.190157 0.160470

91 0.205386 0.170114

92 0.221398 0.180337

93 0.238182 0.191174

94 0.255720 0.202663

95 0.273341 0.220050

96 0.290884 0.237507

97 0.308178 0.254819

98 0.325043 0.271750

99 0.341295 0.288055

100 0.358360 0.305338

101 0.376278 0.323658

102 0.395092 0.343078

103 0.414846 0.363663

104 0.435589 0.385482

105 0.457368 0.408611

106 0.480236 0.433128

107 0.504248 0.459116

108 0.529461 0.486663

109 0.555934 0.515862
68

Notes:

(1) Select-and-ultimate probabilities from table 9A reflecting death probabilities which are blended to general population mortality for 1995. These values are

used to construct life table 11A.

(2) Values are read across the row for durations 0-10, and down the ultimate column (“10+”) for durations greater than 10.

Table A.2A.—DI Male Disabled Worker Probability of Death or Recovery (Blended)

(1991-1995 Social Security disability experience)

Select

age

Duration of disability Attained

0 1 2 3 4 5 6 7 8 9 10+ age

20 0.027442 0.029106 0.022793 0.031940 0.055874 0.057916 0.049452 0.040974 0.034212 0.028790 0.027437 30

21 0.031323 0.032397 0.024987 0.032395 0.053973 0.055075 0.046255 0.038724 0.031788 0.027085 0.024672 31

22 0.035486 0.036267 0.027634 0.032982 0.052088 0.052284 0.043345 0.036459 0.029543 0.025531 0.021921 32

23 0.040128 0.041373 0.030919 0.034016 0.050467 0.049546 0.041111 0.034319 0.027871 0.024108 0.019744 33

24 0.045924 0.047758 0.035151 0.035367 0.049273 0.047086 0.039399 0.032683 0.026925 0.023171 0.018449 34

25 0.053186 0.055369 0.040081 0.037193 0.048086 0.044786 0.037680 0.031609 0.026544 0.022600 0.017627 35

26 0.061092 0.063038 0.044899 0.038849 0.046558 0.042820 0.036305 0.030975 0.026276 0.022199 0.016834 36

27 0.068882 0.069438 0.048792 0.040001 0.045262 0.041217 0.034958 0.030397 0.026104 0.022053 0.016205 37

28 0.075351 0.074696 0.051683 0.040731 0.044037 0.039921 0.033967 0.029883 0.025798 0.022092 0.016005 38

29 0.080310 0.078682 0.054072 0.040908 0.043090 0.038729 0.033424 0.029562 0.025536 0.022233 0.016108 39

30 0.083608 0.081412 0.055433 0.041204 0.042327 0.037812 0.033075 0.029181 0.025457 0.022332 0.016633 40

31 0.085673 0.082298 0.056017 0.041530 0.041743 0.037034 0.032465 0.028803 0.025539 0.022480 0.017296 41

32 0.087628 0.082856 0.056240 0.041433 0.041054 0.036471 0.032040 0.028472 0.025894 0.022873 0.017642 42

33 0.088415 0.082699 0.056062 0.041302 0.040492 0.036417 0.031660 0.028232 0.025831 0.023237 0.017768 43

34 0.088717 0.081964 0.055536 0.041265 0.040006 0.036025 0.031601 0.028043 0.025719 0.023461 0.018369 44

35 0.089125 0.081197 0.054592 0.041260 0.039835 0.035698 0.031614 0.027992 0.025859 0.023695 0.019243 45

36 0.088946 0.080507 0.053840 0.040726 0.039518 0.035275 0.031513 0.027926 0.026202 0.024285 0.020431 46

37 0.088777 0.079777 0.052997 0.040013 0.038769 0.035020 0.031344 0.027747 0.026488 0.025031 0.021685 47

38 0.088886 0.078173 0.051576 0.038927 0.037717 0.034680 0.031236 0.027960 0.026675 0.025358 0.022308 48

39 0.089204 0.076253 0.049471 0.037789 0.037045 0.034227 0.031218 0.028545 0.027055 0.025665 0.022810 49

40 0.089006 0.074242 0.047492 0.036567 0.036414 0.034190 0.031235 0.029138 0.027877 0.026374 0.023930 50

41 0.088355 0.072017 0.045752 0.035587 0.035911 0.033666 0.031598 0.030088 0.029274 0.027879 0.025343 51

42 0.087305 0.069776 0.044690 0.035178 0.035277 0.033169 0.032097 0.031088 0.030966 0.030215 0.027095 52

43 0.086657 0.067899 0.043875 0.035264 0.035191 0.033191 0.032622 0.032064 0.032574 0.032345 0.028872 53

44 0.086564 0.066260 0.043496 0.035315 0.035498 0.033730 0.033178 0.033094 0.033911 0.033885 0.030932 54

45 0.087039 0.064487 0.042958 0.035665 0.036120 0.034576 0.033707 0.034190 0.035239 0.035447 0.032688 55

46 0.088594 0.063458 0.042535 0.036402 0.036657 0.035436 0.034818 0.035829 0.036793 0.037263 0.034418 56

47 0.089847 0.062883 0.042614 0.036925 0.037350 0.036439 0.036268 0.037512 0.038597 0.039389 0.036396 57

48 0.089618 0.061370 0.042544 0.037082 0.038429 0.037721 0.037992 0.039094 0.040252 0.041761 0.038999 58

49 0.087654 0.059344 0.042145 0.036831 0.039433 0.038742 0.039933 0.040265 0.041788 0.043819 0.041249 59

50 0.085444 0.057545 0.041658 0.036838 0.039872 0.040410 0.041658 0.041558 0.043405 0.045619 0.043419 60

51 0.088732 0.058076 0.042520 0.038287 0.040836 0.042232 0.043359 0.043637 0.045529 0.047834 0.046361 61

52 0.091712 0.058803 0.043260 0.039648 0.042206 0.044080 0.044612 0.045918 0.048181 0.049325 0.048545 62

53 0.092661 0.058620 0.043345 0.040599 0.043699 0.045758 0.046547 0.047931 0.050348 0.051612 0.050817 63

54 0.089688 0.057506 0.043155 0.041221 0.045029 0.047338 0.048589 0.049042 0.052631 0.054041 0.053281 64

55 0.085187 0.056269 0.042626 0.041970 0.046336 0.048467 0.049423 0.051326 0.055072 0.056648 0.055850 65

56 0.086726 0.057250 0.044686 0.043978 0.048470 0.049585 0.051551 0.053701 0.057693 0.059289 0.058655 66

57 0.088560 0.059108 0.047908 0.046662 0.049815 0.051740 0.053845 0.056222 0.060416 0.062267 0.061601 67

58 0.091139 0.061693 0.050872 0.049157 0.051689 0.054056 0.056362 0.058761 0.063450 0.065395 0.064695 68

59 0.092950 0.064305 0.052771 0.051356 0.053739 0.056518 0.058986 0.061713 0.066637 0.068679 0.067945 69

60 0.096797 0.066905 0.055271 0.053692 0.056076 0.058877 0.061949 0.064812 0.069984 0.072129 0.071358 70

61 0.109925 0.070009 0.057949 0.056195 0.058427 0.061834 0.065061 0.068068 0.073499 0.075752 0.074942 71

62 0.115344 0.073379 0.060802 0.058833 0.061361 0.064940 0.068328 0.071487 0.077191 0.079557 0.078706 72

63 0.121093 0.077033 0.063682 0.061788 0.064443 0.068202 0.071760 0.075077 0.081068 0.083553 0.082659 73

64 0.127185 0.080566 0.066881 0.064892 0.067680 0.071627 0.075365 0.078848 0.085140 0.087749 0.086811 74
69

Notes:

(1) Select-and-ultimate probabilities from table 9B reflecting death probabilities which are blended to general population mortality for 1995. These values are

used to construct life table 11B.

(2) Values are read across the row for durations 0-10, and down the ultimate column (“10+”) for durations greater than 10.

Table A.2B.—DI Female Disabled Worker Probability of Death or Recovery (Blended)

(1991-1995 Social Security disability experience)

Select

age

Duration of disability Attained

0 1 2 3 4 5 6 7 8 9 10+ age

20 0.021718 0.022571 0.020258 0.028350 0.050597 0.054008 0.046081 0.038700 0.029978 0.025664 0.021051 30

21 0.024014 0.024533 0.021027 0.027872 0.047402 0.049442 0.042249 0.035644 0.028379 0.024248 0.019852 31

22 0.026125 0.026489 0.021845 0.027612 0.044509 0.045132 0.038651 0.032865 0.026781 0.022839 0.018492 32

23 0.028126 0.028431 0.022762 0.027431 0.041979 0.041201 0.035486 0.030660 0.025335 0.021648 0.017147 33

24 0.029742 0.030112 0.023585 0.027326 0.039643 0.037895 0.033109 0.029006 0.024246 0.020920 0.016022 34

25 0.031242 0.031493 0.024047 0.026775 0.037594 0.035444 0.031220 0.028039 0.023647 0.020535 0.015412 35

26 0.032796 0.032693 0.024279 0.026139 0.035768 0.033699 0.029790 0.027275 0.023502 0.020390 0.015286 36

27 0.034495 0.033866 0.024617 0.025274 0.034185 0.032414 0.028761 0.026538 0.023590 0.020301 0.015271 37

28 0.036233 0.035136 0.024962 0.024530 0.032641 0.031332 0.028134 0.025962 0.023786 0.020275 0.015233 38

29 0.037977 0.036041 0.025189 0.024040 0.031210 0.030401 0.027539 0.025697 0.023993 0.020474 0.015515 39

30 0.039505 0.036643 0.025266 0.023656 0.030051 0.029654 0.026774 0.025681 0.023989 0.020649 0.016115 40

31 0.041028 0.037230 0.025512 0.023391 0.029239 0.029148 0.026058 0.025814 0.023653 0.020876 0.016376 41

32 0.042508 0.038004 0.025798 0.023006 0.028470 0.028988 0.025732 0.025673 0.023280 0.021151 0.016495 42

33 0.043497 0.038637 0.025976 0.022607 0.027667 0.028786 0.025478 0.025357 0.023250 0.021352 0.016844 43

34 0.044961 0.039150 0.026124 0.022541 0.026838 0.028473 0.025382 0.024859 0.023296 0.021439 0.017240 44

35 0.046672 0.039545 0.026317 0.022267 0.026232 0.028132 0.025408 0.024293 0.023052 0.021473 0.017312 45

36 0.047992 0.040393 0.026491 0.022065 0.026179 0.027703 0.025431 0.023763 0.022365 0.021453 0.017488 46

37 0.049220 0.041340 0.026830 0.022147 0.026533 0.027334 0.025236 0.023422 0.021703 0.021468 0.017956 47

38 0.051410 0.042130 0.027171 0.022312 0.026623 0.027108 0.025098 0.023336 0.021292 0.021324 0.018526 48

39 0.053361 0.042508 0.027580 0.022342 0.026569 0.026968 0.025312 0.023403 0.021281 0.021175 0.018598 49

40 0.055105 0.042856 0.027726 0.022279 0.026444 0.026865 0.025546 0.023544 0.021635 0.021184 0.018758 50

41 0.057005 0.043269 0.027594 0.022394 0.026475 0.026306 0.025550 0.023780 0.022393 0.021663 0.019157 51

42 0.059177 0.043607 0.027424 0.022636 0.026316 0.025590 0.025411 0.024103 0.023341 0.022576 0.019785 52

43 0.060686 0.044087 0.027413 0.022933 0.026193 0.024876 0.024939 0.024207 0.024145 0.023763 0.020878 53

44 0.062305 0.044649 0.027840 0.023333 0.026439 0.024914 0.024568 0.024321 0.025011 0.024735 0.022019 54

45 0.064157 0.045445 0.028419 0.023691 0.026777 0.025242 0.024431 0.024803 0.025827 0.025855 0.023069 55

46 0.065643 0.045802 0.028646 0.024109 0.026738 0.025862 0.024602 0.025520 0.026474 0.026807 0.023741 56

47 0.066688 0.045825 0.028888 0.024258 0.026356 0.026375 0.025108 0.026273 0.027151 0.027607 0.024640 57

48 0.066993 0.045204 0.028942 0.024709 0.026097 0.026743 0.025879 0.026678 0.027750 0.028440 0.025981 58

49 0.066292 0.044203 0.029133 0.025218 0.026117 0.026903 0.026577 0.027285 0.028406 0.029168 0.027505 59

50 0.065222 0.043745 0.029378 0.025517 0.026554 0.027202 0.027290 0.027984 0.029130 0.029946 0.028883 60

51 0.067237 0.044754 0.029985 0.026516 0.027236 0.028145 0.028551 0.029112 0.030483 0.030992 0.030052 61

52 0.069077 0.045933 0.030844 0.027758 0.028698 0.029708 0.030275 0.030717 0.032009 0.031841 0.031612 62

53 0.070093 0.046137 0.031905 0.028715 0.030365 0.031146 0.031904 0.032197 0.033166 0.033517 0.033352 63

54 0.068631 0.045661 0.032276 0.029598 0.031816 0.032576 0.032864 0.032781 0.034874 0.035382 0.035270 64

55 0.067472 0.045369 0.033245 0.030643 0.032986 0.033574 0.033324 0.034525 0.036756 0.037421 0.037306 65

56 0.068936 0.046680 0.035263 0.032392 0.034320 0.034033 0.034988 0.036396 0.038823 0.039425 0.039548 66

57 0.071001 0.048720 0.037780 0.034675 0.035040 0.035633 0.036839 0.038422 0.040935 0.041794 0.041924 67

58 0.073645 0.050948 0.039457 0.036245 0.036586 0.037418 0.038873 0.040406 0.043395 0.044306 0.044444 68

59 0.076892 0.053585 0.041117 0.038225 0.038270 0.039406 0.040896 0.042834 0.046003 0.046968 0.047114 69

60 0.081156 0.056412 0.043488 0.040357 0.040128 0.041372 0.043354 0.045409 0.048768 0.049791 0.049946 70

61 0.088398 0.059538 0.046028 0.042642 0.042056 0.043859 0.045959 0.048137 0.051698 0.052783 0.052947 71

62 0.093629 0.062965 0.048758 0.045004 0.044583 0.046494 0.048721 0.051030 0.054805 0.055955 0.056129 72

63 0.099240 0.066650 0.051581 0.047709 0.047262 0.049288 0.051649 0.054097 0.058099 0.059318 0.059502 73

64 0.105214 0.070387 0.054680 0.050576 0.050102 0.052250 0.054753 0.057348 0.061590 0.062882 0.063078 74
70

Notes:

(1) Absolute death rate from the associated single-decrement model. Select age denotes age last birthday at entitlement.

(2) The quantity at duration t represents the number of deaths per thousand beneficiaries during the (t+1) year of entitlement among those lives originally

entitled to disability benefits at select age [x] and who are currently attained age [x]+t.

(3) Rates are read across the row for durations 0-10, and down the ultimate (“10+”) column for durations greater than 10.

(4) The above rates are derived from the probabilities shown in table 7A. See the appendix for details.

Table A.3A.—DI Male Disabled Worker Death Rates Per Thousand Entitled

(1991-1995 Social Security disability experience)

Select

age

Duration of disability Attained

0 1 2 3 4 5 6 7 8 9 10+ age

20 17.976 13.798 10.141 7.807 6.578 6.410 6.786 7.523 7.813 7.632 7.951 30

21 21.502 16.849 12.564 9.777 8.200 7.709 7.686 8.250 8.262 8.114 8.643 31

22 25.424 20.426 15.398 11.742 9.775 8.912 8.547 8.956 8.772 8.644 9.077 32

23 30.046 25.096 18.810 13.974 11.288 9.953 9.511 9.552 9.401 9.078 9.338 33

24 36.047 30.929 22.973 16.475 12.905 11.045 10.357 10.104 10.166 9.564 9.682 34

25 43.464 37.972 27.746 19.293 14.413 11.978 10.912 10.693 10.841 10.132 10.003 35

26 51.459 45.113 32.544 21.995 15.698 12.802 11.583 11.279 11.289 10.582 10.094 36

27 59.424 51.119 36.682 24.376 17.145 13.596 12.138 11.730 11.668 11.122 10.289 37

28 65.996 55.929 39.761 26.242 18.464 14.516 12.644 12.188 12.068 11.726 10.704 38

29 70.893 59.371 42.258 27.387 19.621 15.520 13.325 12.822 12.627 12.357 11.295 39

30 74.088 61.711 43.561 28.417 20.446 16.370 14.190 13.461 13.358 13.010 12.272 40

31 75.875 62.184 44.121 29.256 21.150 16.903 14.981 14.217 14.163 13.730 13.262 41

32 77.505 62.560 44.485 29.759 21.480 17.429 15.900 15.204 15.136 14.717 14.139 42

33 78.250 62.688 44.521 30.272 22.019 18.336 16.804 16.161 15.875 15.673 14.718 43

34 78.761 62.317 44.254 30.797 22.762 19.014 17.677 16.951 16.574 16.521 15.593 44

35 79.585 61.995 43.710 31.396 23.653 19.815 18.467 17.873 17.520 17.388 16.588 45

36 79.842 61.782 43.491 31.300 24.462 20.689 19.286 18.706 18.564 18.461 17.778 46

37 79.956 61.745 43.302 30.998 24.844 21.647 20.338 19.432 19.437 19.603 19.245 47

38 80.273 60.876 42.580 30.529 25.005 22.466 21.499 20.364 20.247 20.483 20.112 48

39 80.905 59.539 40.825 30.165 25.291 23.127 22.522 21.565 21.265 21.518 20.847 49

40 81.156 58.186 39.146 29.725 25.488 24.044 23.417 22.726 22.691 22.844 22.154 50

41 80.979 56.887 37.866 29.340 25.902 24.507 24.514 24.341 24.656 24.799 23.748 51

42 80.378 55.658 37.327 29.353 26.110 25.089 25.767 26.059 26.845 27.376 25.613 52

43 80.142 54.566 36.997 29.740 26.878 26.100 27.017 27.586 28.978 29.689 27.515 53

44 80.312 53.595 37.145 30.117 28.055 27.466 28.290 29.099 30.863 31.416 29.670 54

45 80.999 52.456 37.219 30.990 29.329 28.981 29.445 30.669 32.690 33.143 31.714 55

46 82.773 52.152 37.465 32.367 30.376 30.365 30.999 32.812 34.650 35.115 33.578 56

47 84.452 52.714 38.195 33.472 31.549 31.929 32.798 34.996 36.740 37.472 35.632 57

48 84.880 52.786 38.680 34.085 33.117 33.787 34.861 37.005 38.607 40.169 38.317 58

49 83.698 52.204 38.758 34.199 34.579 35.290 37.218 38.503 40.306 42.538 40.658 59

50 82.144 51.543 38.733 34.564 35.527 37.280 39.393 40.006 42.119 44.617 42.890 60

51 85.761 52.954 40.059 36.350 36.878 39.398 41.480 42.285 44.447 47.071 45.919 61

52 89.087 54.471 41.301 37.989 38.544 41.541 43.058 44.797 47.298 48.750 48.761 62

53 90.497 55.172 41.813 39.124 40.363 43.565 45.175 47.041 49.678 48.591 45.430 63

54 88.062 54.897 41.964 39.862 42.068 45.548 47.394 48.319 49.835 46.161 33.650 64

55 83.997 54.295 41.714 40.696 43.698 47.010 48.509 48.560 47.242 43.590 — 65

56 85.702 55.617 43.934 42.840 46.250 48.425 48.696 46.784 44.054 — — 66

57 87.603 57.709 47.259 45.669 48.070 48.667 46.097 43.594 — — — 67

58 90.310 60.511 50.339 48.380 48.411 45.708 42.463 — — — — 68

59 92.291 63.398 52.357 49.337 44.776 41.123 — — — — — 69

60 96.227 66.247 53.330 47.496 39.450 — — — — — — 70

61 109.452 71.432 52.633 43.164 — — — — — — — 71

62 121.991 74.028 49.388 — — — — — — — — 72

63 127.776 72.706 — — — — — — — — — 73

64 119.973 — — — — — — — — — — 74

q′

( ) d
71

Notes:

(1) Absolute death rate from the associated single-decrement model. Select age denotes age last birthday at entitlement.

(2) The quantity at duration t represents the number of deaths per thousand beneficiaries during the (t+1) year of entitlement among those lives originally

entitled to disability benefits at select age [x] and who are currently attained age [x]+t.

(3) Rates are read across the row for durations 0-10, and down the ultimate (“10+”) column for durations greater than 10.

(4) The above rates are derived from the probabilities shown in table 7B. See the appendix for details.

Table A.3B.—DI Female Disabled Worker Death Rates Per Thousand Entitled

(1991-1995 Social Security disability experience)

Select

age

Duration of disability Attained

0 1 2 3 4 5 6 7 8 9 10+ age

20 16.242 12.554 9.249 7.275 7.218 7.921 8.462 7.859 7.333 7.027 7.425 30

21 18.520 13.827 9.965 7.703 7.536 7.881 8.123 7.702 7.371 7.350 7.829 31

22 20.570 15.184 10.747 8.252 7.867 7.905 7.805 7.612 7.496 7.612 7.943 32

23 22.455 16.557 11.693 8.982 8.145 7.906 7.671 7.602 7.683 7.794 7.836 33

24 23.961 17.833 12.810 9.856 8.372 7.923 7.806 7.719 7.967 8.048 7.731 34

25 25.314 18.945 13.695 10.576 8.766 8.125 8.075 8.112 8.332 8.360 7.910 35

26 26.666 20.044 14.449 11.207 9.178 8.500 8.486 8.615 8.717 8.783 8.354 36

27 28.198 21.060 15.107 11.487 9.617 8.952 8.875 9.068 9.172 9.177 8.751 37

28 29.840 21.960 15.577 11.701 9.941 9.283 9.370 9.427 9.675 9.600 9.065 38

29 31.580 22.569 15.818 11.979 10.182 9.602 9.760 9.837 10.215 10.140 9.547 39

30 33.157 22.967 15.884 12.191 10.536 9.912 10.047 10.223 10.680 10.570 10.315 40

31 34.716 23.639 16.176 12.430 11.079 10.300 10.269 10.575 10.951 11.042 10.925 41

32 36.266 24.596 16.626 12.647 11.463 10.838 10.459 10.847 11.177 11.597 11.457 42

33 37.339 25.428 16.974 12.852 11.650 11.166 10.534 11.036 11.565 12.109 12.166 43

34 38.876 26.167 17.335 13.269 11.783 11.362 10.771 11.308 11.988 12.525 12.801 44

35 40.455 26.553 17.676 13.454 11.893 11.728 11.270 11.663 12.266 12.852 13.118 45

36 41.808 27.357 18.038 13.714 12.313 12.080 11.969 12.030 12.508 13.118 13.502 46

37 43.289 28.434 18.533 14.250 12.968 12.666 12.712 12.529 12.897 13.561 14.235 47

38 45.621 29.516 19.109 14.802 13.537 13.413 13.466 13.293 13.428 14.046 15.068 48

39 47.619 30.207 19.901 15.350 14.190 14.275 14.506 14.242 14.164 14.694 15.484 49

40 49.412 30.933 20.453 15.807 14.896 15.200 15.504 15.187 15.220 15.509 15.985 50

41 51.397 31.841 20.819 16.296 15.573 15.729 16.220 16.213 16.587 16.725 16.718 51

42 53.749 32.815 21.224 16.839 16.049 16.084 16.825 17.288 18.100 18.197 17.634 52

43 55.452 33.898 21.777 17.428 16.630 16.402 17.278 18.160 19.458 19.813 19.021 53

44 57.314 35.118 22.657 18.227 17.676 17.340 17.958 19.052 20.838 21.181 20.400 54

45 59.528 36.591 23.476 19.073 18.825 18.448 18.784 20.275 22.165 22.696 21.650 55

46 61.455 37.607 24.137 19.853 19.649 19.720 19.869 21.677 23.337 24.091 22.485 56

47 63.009 38.396 24.971 20.381 20.102 20.863 21.171 22.983 24.509 25.309 23.600 57

48 63.804 38.667 25.579 21.228 20.675 21.841 22.513 23.872 25.530 26.564 25.141 58

49 63.551 38.630 26.181 22.154 21.402 22.659 23.622 24.960 26.526 27.701 26.810 59

50 62.826 38.997 26.724 22.906 22.380 23.468 24.687 26.107 27.573 28.812 28.265 60

51 65.038 40.698 27.633 24.305 23.344 24.798 26.321 27.659 29.208 30.148 29.547 61

52 67.121 42.456 28.905 25.884 24.970 26.700 28.410 29.565 31.000 31.227 30.488 62

53 68.431 43.278 30.383 27.039 26.837 28.572 30.352 31.249 32.425 31.167 28.673 63

54 67.297 43.438 31.088 28.098 28.669 30.497 31.624 32.007 32.270 30.152 22.874 64

55 66.330 43.640 32.318 29.390 30.395 31.951 32.397 31.776 30.902 29.480 — 65

56 67.846 45.243 34.563 31.384 32.215 32.780 32.281 30.424 29.783 — — 66

57 69.903 47.465 37.278 33.888 33.329 32.766 30.982 29.239 — — — 67

58 72.609 49.859 39.087 35.646 33.560 31.368 29.708 — — — — 68

59 76.044 52.685 40.848 36.040 32.416 29.989 — — — — — 69

60 80.509 55.752 41.915 34.796 30.760 — — — — — — 70

61 87.881 59.653 42.023 33.422 — — — — — — — 71

62 92.972 61.601 41.327 — — — — — — — — 72

63 94.983 62.243 — — — — — — — — — 73

64 91.895 — — — — — — — — — — 74

q′

( ) d
72

Notes:

(1) Absolute recovery rate from the associated single-decrement model. Select age denotes age last birthday at entitlement.

(2) The quantity at duration t represents the number of recoveries per thousand beneficiaries during the (t+1) year of entitlement among those lives originally

entitled to disability benefits at select age [x] and who are currently attained age [x]+t.

(3) Rates are read across the row for durations 0-10, and down the ultimate (“10+”) column for durations greater than 10.

(4) The above rates are derived from the probabilities shown in table 8A. See the appendix for details.

Table A.4A.—DI Male Disabled Worker Recovery Rates Per Thousand Entitled

(1991-1995 Social Security disability experience)

Select

age

Duration of disability Attained

0 1 2 3 4 5 6 7 8 9 10+ age

20 9.640 15.522 12.782 24.323 49.622 51.838 42.958 33.704 26.607 21.321 19.642 30

21 10.037 15.814 12.581 22.841 46.151 47.734 38.868 30.727 23.722 19.126 16.169 31

22 10.325 16.171 12.428 21.492 42.731 43.762 35.098 27.752 20.955 17.035 12.962 32

23 10.395 16.696 12.341 20.326 39.627 39.991 31.903 25.006 18.646 15.168 10.504 33

24 10.246 17.366 12.464 19.208 36.844 36.443 29.345 22.809 16.931 13.739 8.853 34

25 10.164 18.084 12.687 18.252 34.165 33.206 27.063 21.142 15.875 12.596 7.702 35

26 10.155 18.772 12.771 17.233 31.352 30.407 25.012 19.921 15.159 11.741 6.808 36

27 10.055 19.306 12.572 16.015 28.608 28.002 23.100 18.889 14.606 11.053 5.978 37

28 10.016 19.878 12.416 14.880 26.054 25.779 21.596 17.913 13.898 10.489 5.359 38

29 10.135 20.530 12.335 13.902 23.939 23.575 20.371 16.958 13.075 10.000 4.868 39

30 10.282 20.996 12.413 13.161 22.337 21.799 19.157 15.934 12.263 9.444 4.415 40

31 10.603 21.448 12.445 12.643 21.037 20.477 17.750 14.796 11.540 8.872 4.088 41

32 10.973 21.650 12.302 12.032 20.004 19.380 16.400 13.472 10.924 8.278 3.553 42

33 11.028 21.349 12.078 11.375 18.889 18.419 15.110 12.269 10.116 7.684 3.096 43

34 10.808 20.953 11.805 10.801 17.646 17.341 14.174 11.284 9.299 7.056 2.820 44

35 10.364 20.471 11.379 10.183 16.574 16.204 13.395 10.303 8.487 6.419 2.699 45

36 9.894 19.958 10.820 9.731 15.433 14.894 12.467 9.396 7.782 5.934 2.701 46

37 9.588 19.219 10.134 9.304 14.280 13.669 11.234 8.480 7.191 5.536 2.488 47

38 9.365 18.418 9.396 8.663 13.038 12.495 9.951 7.754 6.561 4.977 2.241 48

39 9.030 17.772 9.014 7.861 12.059 11.363 8.896 7.134 5.916 4.238 2.005 49

40 8.543 17.048 8.686 7.051 11.212 10.396 8.005 6.561 5.306 3.612 1.816 50

41 8.026 16.043 8.196 6.436 10.275 9.389 7.262 5.890 4.735 3.158 1.633 51

42 7.533 14.950 7.648 6.001 9.413 8.288 6.497 5.164 4.235 2.919 1.521 52

43 7.082 14.102 7.142 5.693 8.542 7.281 5.761 4.605 3.703 2.737 1.395 53

44 6.798 13.382 6.596 5.359 7.658 6.441 5.030 4.115 3.145 2.549 1.300 54

45 6.573 12.697 5.961 4.824 6.996 5.762 4.391 3.632 2.635 2.383 1.006 55

46 6.346 11.928 5.267 4.170 6.478 5.230 3.941 3.119 2.220 2.226 0.870 56

47 5.892 10.735 4.594 3.572 5.990 4.659 3.588 2.607 1.928 1.992 0.792 57

48 5.178 9.062 4.019 3.103 5.494 4.071 3.244 2.169 1.711 1.659 0.709 58

49 4.317 7.533 3.524 2.725 5.027 3.578 2.820 1.832 1.544 1.338 0.616 59

50 3.596 6.328 3.043 2.355 4.505 3.251 2.358 1.617 1.342 1.049 0.553 60

51 3.249 5.408 2.564 2.010 4.109 2.950 1.960 1.412 1.132 0.801 0.464 61

52 2.881 4.582 2.043 1.725 3.809 2.649 1.624 1.173 0.927 0.605 0.339 62

53 2.379 3.650 1.599 1.535 3.477 2.293 1.437 0.934 0.705 0.440 0.185 63

54 1.783 2.760 1.243 1.415 3.091 1.875 1.254 0.759 0.488 0.294 0.104 64

55 1.299 2.087 0.952 1.328 2.759 1.529 0.960 0.614 0.304 0.198 — 65

56 1.120 1.730 0.786 1.189 2.327 1.219 0.646 0.436 0.171 — — 66

57 1.049 1.484 0.681 1.041 1.833 0.936 0.375 0.277 — — — 67

58 0.912 1.258 0.561 0.817 1.282 0.692 0.201 — — — — 68

59 0.726 0.968 0.437 0.581 0.785 0.467 — — — — — 69

60 0.631 0.705 0.304 0.361 0.453 — — — — — — 70

61 0.531 0.476 0.218 0.180 — — — — — — — 71

62 0.452 0.348 0.169 — — — — — — — — 72

63 0.429 0.332 — — — — — — — — — 73

64 0.459 — — — — — — — — — — 74

q′

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73

Notes:

(1) Absolute recovery rate from the associated single-decrement model. Select age denotes age last birthday at entitlement.

(2) The quantity at duration t represents the number of recoveries per thousand beneficiaries during the (t+1) year of entitlement among those lives originally

entitled to disability benefits at select age [x] and who are currently attained age [x]+t.

(3) Rates are read across the row for durations 0-10, and down the ultimate (“10+”) column for durations greater than 10.

(4) The above rates are derived from the probabilities shown in table 8B. See the appendix for details.

Table A.4B.—DI Female Disabled Worker Recovery Rates Per Thousand Entitled

(1991-1995 Social Security disability experience)

Select

age

Duration of disability Attained

0 1 2 3 4 5 6 7 8 9 10+ age

20 5.566 10.145 11.111 21.229 43.695 46.455 37.940 31.086 22.812 18.769 13.728 30

21 5.598 10.856 11.174 20.325 40.169 41.891 34.405 28.159 21.164 17.023 12.117 31

22 5.671 11.479 11.218 19.521 36.933 37.524 31.089 25.447 19.431 15.343 10.633 32

23 5.801 12.074 11.199 18.616 34.112 33.560 28.030 23.235 17.788 13.962 9.385 33

24 5.923 12.502 10.915 17.644 31.535 30.211 25.502 21.453 16.409 12.976 8.355 34

25 6.082 12.790 10.496 16.372 29.083 27.543 23.333 20.090 15.443 12.277 7.562 35

26 6.298 12.908 9.974 15.102 26.837 25.415 21.486 18.822 14.915 11.709 6.990 36

27 6.480 13.082 9.656 13.947 24.807 23.674 20.064 17.630 14.552 11.227 6.578 37

28 6.590 13.472 9.533 12.981 22.928 22.256 18.942 16.693 14.249 10.779 6.224 38

29 6.606 13.783 9.521 12.207 21.244 21.001 17.954 16.018 13.920 10.440 6.026 39

30 6.565 13.997 9.534 11.607 19.723 19.940 16.897 15.618 13.453 10.187 5.860 40

31 6.539 13.920 9.490 11.099 18.364 19.044 15.953 15.402 12.842 9.944 5.511 41

32 6.477 13.746 9.327 10.491 17.205 18.349 15.435 14.988 12.239 9.666 5.096 42

33 6.397 13.554 9.158 9.882 16.205 17.819 15.103 14.481 11.821 9.357 4.736 43

34 6.331 13.332 8.944 9.396 15.235 17.307 14.770 13.706 11.446 9.027 4.497 44

35 6.479 13.347 8.797 8.933 14.511 16.598 14.300 12.780 10.920 8.733 4.250 45

36 6.454 13.403 8.609 8.467 14.038 15.814 13.626 11.875 9.981 8.445 4.040 46

37 6.199 13.283 8.453 8.011 13.743 14.856 12.686 11.031 8.921 8.015 3.775 47

38 6.065 12.997 8.219 7.622 13.266 13.881 11.790 10.179 7.971 7.382 3.511 48

39 6.030 12.684 7.835 7.101 12.557 12.877 10.965 9.293 7.219 6.577 3.163 49

40 5.989 12.304 7.425 6.576 11.722 11.845 10.200 8.486 6.514 5.765 2.818 50

41 5.912 11.804 6.919 6.199 11.074 10.746 9.484 7.691 5.904 5.022 2.481 51

42 5.736 11.158 6.334 5.897 10.435 9.662 8.733 6.935 5.337 4.460 2.189 52

43 5.541 10.546 5.762 5.603 9.725 8.616 7.795 6.159 4.780 4.030 1.893 53

44 5.294 9.878 5.303 5.200 8.921 7.708 6.731 5.371 4.262 3.631 1.653 54

45 4.922 9.190 5.062 4.708 8.104 6.922 5.755 4.622 3.745 3.233 1.451 55

46 4.462 8.515 4.621 4.342 7.231 6.266 4.829 3.928 3.212 2.783 1.284 56

47 3.926 7.726 4.017 3.957 6.382 5.630 4.022 3.368 2.708 2.358 1.066 57

48 3.407 6.800 3.451 3.557 5.536 5.012 3.444 2.874 2.278 1.927 0.862 58

49 2.927 5.797 3.032 3.134 4.818 4.342 3.027 2.385 1.932 1.509 0.715 59

50 2.556 4.941 2.727 2.672 4.270 3.824 2.669 1.927 1.601 1.168 0.636 60

51 2.352 4.228 2.419 2.266 3.985 3.432 2.290 1.495 1.313 0.870 0.521 61

52 2.097 3.632 1.997 1.924 3.824 3.090 1.919 1.187 1.041 0.634 0.303 62

53 1.784 2.988 1.570 1.722 3.625 2.650 1.600 0.978 0.765 0.431 0.158 63

54 1.431 2.324 1.226 1.544 3.240 2.145 1.280 0.800 0.521 0.305 0.080 64

55 1.223 1.808 0.958 1.291 2.672 1.677 0.958 0.618 0.335 0.234 — 65

56 1.169 1.505 0.725 1.040 2.175 1.295 0.671 0.448 0.211 — — 66

57 1.181 1.318 0.522 0.815 1.770 0.920 0.455 0.311 — — — 67

58 1.117 1.146 0.385 0.621 1.307 0.613 0.299 — — — — 68

59 0.917 0.950 0.281 0.457 0.861 0.385 — — — — — 69

60 0.704 0.699 0.196 0.316 0.464 — — — — — — 70

61 0.567 0.470 0.133 0.192 — — — — — — — 71

62 0.517 0.343 0.103 — — — — — — — — 72

63 0.533 0.261 — — — — — — — — — 73

64 0.575 — — — — — — — — — — 74

q′

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