Description: This study identifies large categories of conditions that long-term care insurance LTCI carriers previously might have avoided because of a lack of data. This study estimates claims, mortality, and lapse rates for several conditions. Many of the conditions are further analyzed into risk categories, some of which would be insurable at standard rates.

Description: Research report describing an analysis of experience transition rates between Long Term Care insurance claim settings over the course of a claim. Examples of such transitions are from an assisted care facility to home health care or from home health care to a nursing home.

Description: Recaps the highlights of last 12 months of activity and accomplishments by the LTC Section Council.

Description: Panel session on the challenge that many insurers face as they try to grow their long-term-care insurance business, while simultaneously ensuring analysts and shareholders that earnings targets will be met.

Description: Recently completed experience and research studies from the SOA.

Description: Today, a plethora of tools and approaches exist to develop lifetime projections of long-term care (LTC) business. Within these tools lie two distinct approaches to project mortality; namely, by using assumptions that are applied: (1) to an all-lives exposure base, or (2) separately for disabled- versus active-lives exposure bases. Using disabled versus active mortality allows for more granular modeling of the two different cohorts that exhibit dramatically different mortality. And so, when using an all-lives mortality assumption, is the projection missing important details about the appropriate mortality level? This article seeks to not only answer this question, but also answer how a “traditional” all-lives mortality assumption can be impacted when you introduce a combination of the two modeling techniques into the development of a mortality assumption. To answer these questions, we examined the experience and results developed from one c ompany as an illustrative case study.

Description: Highlights from the 8th Intercompany Long-Term Care Insurance Conference held in March 2008, consisting of 56 sessions covering a range of long-term care insurance LTCI topics each with a track-specific focus.

Description: Recently, the SCAN Foundation, AARP, LeadingAge, and HHS funded economic modeling conducted by Milliman and the Urban Institute around LTC reform elements. The LTC industry has over the years also generated ideas to address the on-coming expansion of LTC needs in the U.S. For this article, we have brought together three individuals who have long involvement with LTC financing to discuss some of the recent ideas and provide some perspectives on their pluses and minuses.

Description: Overview and summary of LTC First Principles modeling article series

Description: Recently completed experience and research studies from the SOA.