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temperature rating vs reliability vs operating temperature

Category: Hardware
Product Number: DS2143

I'm relatively new to "reliability" calculations and I am not sure that this is the correct forum for this question but it seems to be a good place to start.  Here is my question:  Integrated Circuits have a variety of temperature ratings; commercial, industrial, military (and probably some others I'm missing.  The question is this:  Is there a rule of thumb for maintaining, increasing or decreasing reliability on the actual operating temperature vs the RATED max temperature.  I.e. if I run a device with a max commercial rating of 70C at an actual temp of 50C, what is the reliability increase?  Or am I thinking about this incorrectly?