Description: Part 2 of a two part article on Long-Term Care Insurance and suitability between a recommended product and the client's. From Long-Term Care Newsletter, October 2000, Issue No. 3.

Description: Despite a clear need and demographics which should be favorable to LTCI growth, the market remains stalled due to lack of understanding on the consumer side, and uncertainty on carriers' side. The 3 key risk areas for carriers are morbidity, terminations, and investment earnings. Financial market innovations which can address these include: repackaging risks as derivative securities, interest rate swaps and options, and inflation swaps.

Description: Look into history of long-term care insurance industry to understand the forces that shaped current industry's position and to identify new directions.

Description: This article explores several ideas about in-force management and product innovation that may help the industry to reboot, in order to continue protecting Americans against the financial

Description: The article provides an overview of the federal tax treatment of long-term care insurance contracts, including a brief history of the tax treatment of long-term care insurance, the requirements that must be satisfied in order to be treated as qualified long-term care insurance under the Internal Revenue Code, and a brief discussion of qualified long-term care combination products and chronic and terminal illness accelerated death benefits offered under life insurance contracts.

Description: Article summarizes research report on supply of neurologists and dementia LTC claims.

Description: Congress authorized the creation of the RAISE Family Caregiving Advisory Council in 2018. The Council, comprised of family caregivers and experts from a wide variety of stakeholder organizations in both the private and public sector, have been engaged in an in-depth research effort over the last two years to develop recommendations and an implementation plan to address our national caregiving crisis. This article describes their work and the newly released Report to Congress.

Description: Discusses use of credibility theory with respect to LTCi. Considers the various credibility methods and points to resources for more in-depth investigation.

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: A dicussion of the Rate Classification Actuarial Standard of Practice, ASOP #12: its purpose, its scope, guidance, and examples.