What do carriers mean when they say 'IBNR?' The 'incurred but not reported claims reserve' is an important part of what a group benefits client is paying in their premiums. This episode will explain what it means in real-world terms, what is a fair IBNR to build into rates, and talk about how it exists with group health & dental benefits, as well as group LTD or Life insurance. Questions? Email us at [email protected].