Description: Essay stating accessibility, affordability and efficiency are the key to success in the future of healthcare.

Description: Report on the first study conducted jointly by LIMRA International and the SOA Long Term Care Experience Committee. The study examines voluntary lapse and total termination activity in LTCI for calendar years 2000 and 2001. Overall, the results indicate that LTCI persistency has continued to improve however, the current improvement seems to be coming from the individual lines of business rather than the group lines.

Description: A study of whether tobacco, area and industry rating in one state may be reflecting unintended factors such as race, ethnicity or socioeconomic status. This study does not consider whether the rating factors accurately reflect underlying claims costs.

Description: Description * Coinsurance has not been widely offered as a benefit reduction option to offset long-term care premium rate increases. This article uses an illustrative example to evaluate the potential impact coinsurance could have on an insurance carrier's future claim liabilities and a policyholder's premium rates. It also explores various considerations insurance carriers, regulators, and policyholders should think about when evaluating whether coinsurance is the right option.

Description: Panelists at this session of the SOA 1995 Vancouver Spring Meeting discuss claims management issues for long term care insurance.

Description: Panelists provide an overview of the current status of the long-term-care insurance industry and discuss growth, regulation changes, rate stabilization, underwriting and claims management. From the Record of the Society of Actuaries, Vol. 31, No. 1, Session 62

Description: This article discusses the reliance the banking industry placed on sophisticated mathematical models.

Description: Why health care inflation exceeds the Consumer Price Index CPI due to tax implications. Issue No. 37.

Description: This report explores two LTC insurance product concepts. The concepts were developed as part of an effort to create innovative new LTC insurance products.

Description: This paper helps the audience understand the actuary’s role in estimating the financial impact of primary care programs. In addition, the paper can be used by actuaries to think about key issues when estimating the financial impact of their employers’ and clients’ own primary care programs.