1. Target Loss Ratio (TLR) The Target Loss Ratio is the percentage of every dollar your insurance carrier expects to pay out in the form of claims for experience-rated benefits (typically short-term disability, health and dental). The difference between the TLR and 100% represents the carrier’s expenses for managing your program. For example: If your group's TLR is 80% that means for every $1.00 you pay in premium the insurance carrier expects to pay out $0.80 in the form of