Actuarial

Nestes casos, a ocorrência dos Cash-flows está normalmente associada a uma probabilidade de ocorrência, por envolverem incerteza/risco, como estar vivo ou estar morto em determinada idade futura. Estas situações exigem conhecimentos de cálculo actuarial, que serão objecto de algum estudo mais tarde. Nesta secção trataremos apenas de rendas certas. • Rendas imediatas (sem diferimento) • Rendas diferidas Dizem-se diferidas as rendas nas quais o tempo que decorre entre a…

characteristics Xj. A 'technological trajectory' is a path of gradual improvement in the Xj. In the case of services, the term takes on a particular meaning, since it can refer as well (or indeed exclusively) to service 'technologies' (financial, actuarial, human resource management etc.). These technologies are also characterised by 'lock-in' phenomena: it is difficult to envisage a return to Taylorism in areas where other techniques of work organisation have been tested. It is also…

the present value of the implicit debt is equivalent to 2 GDPs of the year 2005; (b) interruption of real increases in the value of minimum pension benefit from 2011 on would reduce the implicit debt; (c) parametric measures could reduce the actuarial debt to about 40% to 60% of its present levels; (d) measures of greater impact would be the establishment of a minimum required age of 67 for the new workers, as well as the gradual increase for 64 years, for the current workers; (e)…

reforma, quando efectuadas em consequência de alteração dos pressupostos actuariais em que se basearam os cálculos iniciais daquelas responsabilidades e desde que devidamente certificadas pelas entidades competentes, podem também ser aceites como gastos nos seguintes termos: a) No período de tributação em que sejam efectuadas, num prazo máximo de cinco, contado daquele em que se verificou a alteração dos pressupostos actuariais; b) Na parte em que não excedam o montante acumulado das…

accumulated process . . . . . . . . . . . . . . . . . . . . . . . accuracy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . acquiescence bias . . . . . . . . . . . . . . . . . . . . . . . . . . actuarial estimator . . . . . . . . . . . . . . . . . . . . . . . . actuarial statistics . . . . . . . . . . . . . . . . . . . . . . . . . ad hoc test . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . adaptative model . . . . . . . . . . . . . . . . . . . . . . .…

(III) initiated the most radical demographic change of the past half-century - a dramatic decline in death rates at older ages. In fact, about the time boomers were rambunctiously burning draft cards, ...(IV)... elders quietly began nullifying actuarial tables. By 1990 there were more than 1.5 million Americans age 85 and over who wouldn't have been alive if death rates ... (V)... at the 1960 level. Extrapolating this trend, demographer James Vaupel ... (VI)... a bold prediction: Half…

caused a number of changes in public administration, causing the search for better efficiency and excellence in public services. This study aims to identify the costs of an employee in every legal system, and from the theoretical frameworks and actuarial simulations, perform comparisons between celetistas schemes (CLT) and statutory (RPPS) in order to verify which system is more costly to the employer and the pension expense that you have with this on each system until the end of life. To do so,

calculation there’s no reference to any prior or subsequent calculation. Another common example involves running a calculation over a set of records from a database. In this case, you might have a complex calculation – such as an insurance or actuarial model – that’s based on some parameters, like the age and sex of an insurance policy holder. The iterative calculation will run the same model for thousands of individual policy holders. Each calculation is independent of all the other…

familiar estão cobertos ou excluídos. A longo prazo, um mercado de seguro de saúde privado poderá incentivar o surgimento e capacitação de especialistas em gestão e elaboração de planos de seguro de saúde, inclusive de conhecimento em análise actuarial, gestão de risco e sinistros, contratação de fornecedores. Esta capacitação local será de grande valor para futuros programas de seguro de saúde pública ou sociais. Por outro lado, no curto prazo, um mercado não regulado de seguro de…

increases life cycle cost in terms of procurement and operating costs. RCM is System Focused—It is more concerned with maintaining system function than individual component function. RCM is Reliability Centered—It treats failure statistics in an actuarial manner. The relationship between operating age and the failures experienced is important. RCM is not overly concerned with simple failure rate; it seeks to know the conditional probability of failure at specific ages (the probability…