Description: The last decade or more has proven that premium rate increases are necessary to maintain the integrity of most blocks of LTCi policies. Along with those rate increases, carriers have offered and regulators have approved an evolving menu of rate increase mitigation options for policyholders that do not wish to pay the increased rate. Recently, carriers and regulators have become more and more innovative in the rate increase mitigation options that they have presented to regulators. This article will discuss both the common and creative options that carriers are offering their insureds in the event of rate increases, including policy buys out, adjustments to coverage levels, and enhanced non-forfeiture options.

Description: To penetrate the market of those who today are concerned about future long-term care needs, LTCI providers will need to combine strategies for financial sustainability with the consumer- driven product design focus of the early to mid-1990s.

Description: The goals of the first Annual LTC Operations and Technology Benchmark Survey were to develop time and cost benchmarks for LTC operations, identify the most pressing operations and technology issues, and gain insight into the technologies that are being used to administer long-term care business.

Description: A discussion about change. Change is constant and will continue—some of it predictable; some of it not. Knowledge is the best tool for understanding change, and this publication is a great forum for allowing the best and brightest to share.

Description: The Society's Group Disability Insurance Experience Committee has completed their study of termination experience for the period 1997-2006.

Description: A wrap-up of the 2012 LIMRA, LOMA and the Society of Actuaries jointly-sponsored the DI & LTC Insurers’ Forum at Planet Hollywood Hotel in Las Vegas.

Description: This is the fourth Intercompany Study of Long–Term Care Insurance. This report combines and analyzes data received from 24 insurers that agreed to provide information to further the knowledge of long–term care insurance. Those insurers are listed in Appendix A of the report.