Is There A Minimum Percentage Of Premiums That Disability Carriers Have To Pay Out For Claims? 
Yes , across the country most , if not all , departments of insurance regulators require a minimum percentage of the premiums to be paid back to the policy holders . Depending on the state , the average requirement is between 60 % and 65 % . Generally , what you will see is the actual claims results increasing this percentage during periods of recession as many policy holders are inclined to go out on claim as a result of diminishing employment opportunities . 