Description: The barrier between humans and machines continues to blur, but curiously, this may have been prediction thousands of years ago in ancient myths. This article looks to how some of the early legends are becoming manifest in modern technology, particularly in the area of elder care. From automation, to humanoid assistants, to mind clones will the age of technology bring a new utopia?

Description: Impact of various treatments for Alzheimer's on long term care insurance claims. From Long Term Care Newsletter, Sebtember 1999, Issue No. 1.

Description: Approaches to filing, approving and implementing LTC rate increases impact policyholder behavior regarding retaining/modifying their coverage.

Description: This is an article about group long-term care insurance.

Description: In this article, we describe new approaches to long-term care financing that rely on home equity release and we address several of the challenges mentioned above. While these approaches stand to help expand the potential for long-term care financing to middle-class Americans, even these approaches don’t address a large swath of the U.S. with less privilege, who have little or no home equity. We will discuss the product design, marketing, pricing and risk management of these new approaches and potential behavioral factors that should be considered. The article builds on a growing body of academic research to which the authors have actively contributed. We want to share the key insights of this international work in market research, economics, and actuarial studies to stimulate more research in this area.

Description: Full version Long-Term Care Newsletter, March 2006, Issue No. 17.

Description: The "Think Tank on Steroids" group at the DI and LTC Insurers’ Forum brainstormed about what the United States should do in order to deal with the impending Long-Term Care problem in the United States. The group’s ideal plan for dealing with Long Term Care can be thought of as a three-legged stool. The legs are private savings and assets (including tax-advantaged LTC savings accounts), Long-Term Care Insurance (including smaller, more affordable products), and support from the family. The Medicaid system ought to be reformed so that it is only available to people who have exhausted all other options. The ongoing Think Tank will continue this conversation and publish a white paper detailing the Think Tank’s solution to the problem.

Description: A study of disability experience examines cost burden and degree of disability, and how these measures vary across different subpopulations. This article summarizes a presentation given at the Society of Actuaries’ Living to 100: Survival to Advanced Ages International Symposium held on Jan. 7–9, 2008 in Orlando, Florida. An abstract of the author's paper was presented in the September 2008 issue of Long-Term Care News.

Description: A discussion of mental health issues facing those in the role of caregiver for a loved one.

Description: Targeted Improvements provides a strong impetus for commitment by management to develop and maintain a set of appropriate assumptions. As even the best of assumptions will take time to season, the sooner the improvements in assumptions are made, the quicker the goal of stabilized earnings can be realized.