Description: LTC insurers can proactively identify policyholders more likely to go on claim in the near future, and methods to potentially delay or prevent claims, benefiting company and customer.

Description: Feature article discussing the effects of increasing numbers of cognitive conditions on long-term care claims.

Description: Bringing managed care concepts into LTC claims management could benefit insurers, policyholders, and providers. This article outlines the case for doing so, and articulates the benefits to each stakeholder in the LTC claims process.

Description: While tax-qualified products meet an existing demand in the long-term care market, the statutorily required language of Section 7702B can present challenges as claims are presented. Every day, claims professionals grapple with whether the facts of a claim constitute substantial assistance or a severe cognitive impairment. “Close call” claims decisions continue to increase as claims volumes rise across the long-term care insurance sector. This article analyzes the Section 7702B language, identifies potential pitfalls in administering claims made on tax-qualified policies, and illustrates how to avoid such pitfalls through hypothetical scenarios.

Description: LTCi rate increases are large and becoming larger. As more and more policyholders cannot afford the cumulative impact, they need some relief - like access to the large contract reserve they have funded for the benefits they can no longer afford.

Description: Digital Long-Term Care Insurer for the Post-Coronavirus World.

Description: Observations of a Home Health Care Experience Analysis incidence rates, selection rates, avg length of service. From Long-Term Care Newsletter, October 2000, Issue No. 3.

Description: President Clinton’s Long-Term Care Initiative Presentation on January 4, 1999. Addresses support for family caregivers. From Long Term Care Newsletter, September 1999, Issue No. 1.

Description: This article incorporates the NAIC long-term care insurance model regulation to discuss the appropriateness of rate increases by monitoring emerging experience to manage the risk. This includes experience analysis issues, maximum rate increase calculations, business considerations and valuation issues. From Long-Term Care, December 2003, Issue 10

Description: This is an article about claims and the growing impact they have on insurance companies financially.