Description: From the Editor: This issue of Long-Term Care News attempts to address how LTC insurers manage investment risk and morbidity misestimation risks.

Description: This article discusses the rationale behind having premiums for long term care insurance that vary by gender. Differences in LTC morbidity and practical aspects of gender distinct rates are discussed.

Description: The article focuses on some of the major challenges and considerations an insurance carrier faces with pricing, management, and administration of LTC Combo Products.

Description: We see a problem in the long-term care insurance industry because we don’t have a standard process. The majority of agents and advisors, who sell a variety of products, are often at a loss for what to do with LTCI.

Description: Third article in a series on how to use predictive analytics to improve the development of long-term care projection assumptions.

Description: The Society of Actuaries' Long Term Care experience database is mined for evidence of improvement in insured population incidence rates.

Description: Although rate structures where low-cost cohorts subsidize high cost cohorts may be justified from a actuarial, marketing, or legal standpoint, the subsidization creates risks which must be understood and monitored. This article presents the concept of subsidization signature to measure and interpret the effects of rate subsidization, and to assess the sustainability of rating structures and the sensitivity of business mix assumptions.

Description: Look into history of long-term care insurance industry to understand the forces that shaped current industry's position and to identify new directions.

Description: The article looks at potential changes in care provider demographics that could ultimately have an impact on the cost of long term care services.

Description: Second article in a series on how to use predictive analytics to improve the development of long-term care projection assumptions.