Description: Intro article for newsletter focused on group long-term care products.

Description: To penetrate the market of those who today are concerned about future long-term care needs, LTCI providers will need to combine strategies for financial sustainability with the consumer- driven product design focus of the early to mid-1990s.

Description: A discussion about how companies should monitor their LTC experience. What does the future hold? What metrics should they review and how frequently. These and other related topics are covered.

Description: Welcome to the first articles written for the Underwriting Network appearing in the newsletter. At the 5th Annual Inter-Company LTCI Conference, Dr. William Rodman Shankle and Dr. James M. Jacobson gave us a fresh look at cognitive testing.

Description: Stakeholders in a specific state (Minnesota) were interviewed about the potential value -- and obstacles -- of a catastrophic backstop program to handle long term care (LTC) financing needs. The design would entail a payroll deduction which would produce a fund to pay LTC expenses once a deductible period (of 1 to 4 years, depending on income) was reached. This design was believed to encourage enrollees to cover the front end better than done today, whether by private insurance or other means.

Description: The Minnesota Cognitive Acuity Screen MCAS is a brief cognitive screen that has been validated to correctly identify mild to moderate cognitive impairment in 98.1 percent of all cases. The MCAS has been in use in the LTCI industry for more than five years, and has shown excellent results in reducing early cognitive claims.

Description: A preview of the articles in the May 2009 issue of Long Term Care News, with a theme of focusing on the pure fundamentals of actuarial work.

Description: A summary of each seminar from the 2019 Intercompany Long-Term Care Insurance (ILTCI) Conference Association meeting.

Description: From the Editor: This issue of Long-Term Care News attempts to address how LTC insurers manage investment risk and morbidity misestimation risks.

Description: For policies with and without the resotoration of benefits feature, compares incurred claims and statutory ALR for various benefit periods.