Long-Term Services and Supports: A Collection of Essays

Published March 2, 2026

Authors

Ferrara, John, FCA, MAAA
Gutterman, Sam, FSA, CERA, FCAS, MAAA, FCA, HonFIA
Hu, Xinyi (Cindy), ASA, MAAA
Nutt, Nathan, Actuarial Intern

Introduction

The Society of Actuaries Aging and Retirement Strategic Research issued a call for essays to explore long-term services and supports from a variety of actuarial perspectives as it relates to aging and retirement. The collection includes three essays that were accepted for publication from all submissions. Two essays were chosen for awards based on their creativity, originality, and promotion of further thought in this area.

AWARD WINNER

Upcoming Crisis in U.S. Caregiving
Sam Gutterman

AWARD WINNER

Understanding the Evolving Financial and Actuarial Challenges of Long-Term Services and Supports (LTSS)
Xinyi (Cindy) Hu

Remaining Essays

The Long-Term Care Crisis and You
John Ferrara and Nathan Nutt

Essay Collection

Long-Term Services and Supports: A Collection of Essays

Suggested Citations

Gutterman, Sam. Upcoming Crisis in U.S. Caregiving. Society of Actuaries Research Institute, February 2026. https://www.soa.org/resources/research-reports/2026/long-term-services-supports/

Hu, Xinyi (Cindy). Understanding the Evolving Financial and Actuarial Challenges of Long-Term Services and Supports (LTSS). Society of Actuaries Research Institute, February 2026. https://www.soa.org/resources/research-reports/2026/long-term-services-supports/

Ferrara, John, and Nathan Nutt. The Long-Term Care Crisis and You. Society of Actuaries Research Institute, February 2026. https://www.soa.org/resources/research-reports/2026/long-term-services-supports/

Long-Term Services and Supports: A Collection of Essays. Society of Actuaries Research Institute, February 2026. https://www.soa.org/resources/research-reports/2026/long-term-services-supports/

Acknowledgements

The SOA Research Institute Aging and Retirement Strategic Research Program thanks the Project Oversight Group (POG) for their careful review and judging of the submitted essays. Any views and ideas expressed in the essays are the authors’ alone and may not reflect the POG’s views and ideas nor those of their employers, the Society of Actuaries, the Society of Actuaries Research Institute, nor Society of Actuaries members.

Cailyn Canty, FSA, CERA, MAAA
John Cutler, J.D.
Annie Gunnlaugsson, FSA, MAAA
Stephanie Moench, FSA, MAAA
Lisa Ullman, FSA, MAAA, FCA

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