Description: CHCS is a nonprofit policy center focused on improving American health outcomes, particularly for low-income people, including payment & delivery system reform.

Description: For a long time the primary focus of private LTC insurance companies has been to educate the public about the need for private LTC insurance and to make the product more acceptable to a wider population. To this end there have been numerous changes to the product design to make this product more acceptable to general population. However, one of the things that may have been overlooked in those product design changes is the need for alignment of policyholder and insurance company’s interests, which is to make coverage more affordable and to reduce adverse selection. Incentivizing good behavior from policyholders can not only make LTC insurance policies less expensive but also help policyholders make better health choices, which can help them stay healthy for a longer time. These incentives may also reduce some of the inherent risks in a long term care policy and may help in increasing the sales of private LTC insurance.

Description: How benchmarking actual performance to a published source is a useful tool in assessing the value added by a particular program or MCO, Issue No. 38.

Description: The current design of group Long-Term Care LTC products does not optimally serve employers and employees, which is limiting growth in the employer market. Current employer LTC products fail to deliver in one very important way: too few employees participate in the coverage.

Description: This article is the first installment of a three-part series and is focused on providing an overview of LTC modeling approaches and considerations.

Description: This article is the second installment of a three-part series and is focused on providing an overview of LTC modeling approaches and considerations.

Description: Using Healthcare Claims Data to Create Actuarial Models.

Description: Growing in popularity, coverage of Independent Provider services under long-term care insurance plans providing home health care benefits presents unique challenges—from product design to claims practices.

Description: Our panelists discuss mechanisms to measure affordability, reducing costs through product design and other responses by plans, employers & providers. From the Record of the Society of Actuaries, Volume 29, No. 3, Session 82

Description: This paper proposes the use of stochastic compartment model methods for estimating both the current direct and current indirect costs of specific cancers and for forecasting future direct and indirect costs. From Transactions of Society of Actuaries 1982, Vol. 34.