Description: Remarks on the pricing of joint LTC policies illustrate the need for an actuary's responsibility to the law, and to best practices, to take precendence over serving sales, marketing and underwriting objectives.

Description: From past to present, this article discusses what has happened in rate increase litigation, and how we got to where we are now. The article also discusses a possible "future" wave of rate increase litigation for insurers and counsel to be aware of as they move forward with rate increases in the future.

Description: Observations from the author's experiences auditing blocks of LTCI business.

Description: This article discusses the ways reinsurers support ceding companies: 1. Sharing morbidity risk. 2. Sharing other risks such as return on investment. 3. Sharing of expertise such as providing underwriting advice. 4. Sharing financial resources. 5. Sharing the role of consumer protection.

Description: This session discussion is about the current offerings to employer groups, policy and pricing considerations and continuing care retirement communities [CCRCs]. From Record of Society of Actuaries Vol. 16, No. 1.

Description: This session discussion is about nonforfeiture values for long-term care: valuation of different approaches [cash surrender value, return of premium, reduced paid-up, extended term, shortened benefit period], sensitivity testing, implications for marketing and regulatory status. From Record of Society of Actuaries Vol. 19, No. 1A.

Description: Analysis and implications of 25 years of research findings characterizing buyers and non-buyers of private long term care insurance

Description: This article discusses the mechanics of a prospective approach to calculating LTC rate increases and compares it to approaches defined by previous model regs.

Description: Three long-term care claimants lead very full lives, thanks to making the most of their employer-sponsored group long-term care insurance coverage, in terms of using it through intelligent and conservative benefit utilization.

Description: Description of benefit reduction options that are available to insureds at the time of a rate increase and how regulators may view them.