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

Description: This article provides a summary of the 2016 Milliman LTC rate increase survey and additional commentary from our years of experience with rate increase filings.

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: This is an article about the marketing of group long-term care insurance to law firms.

Description: LTCI Pricing and Product Development Trends from an actuarial survey. by James C. Berger from Long-Term Care Newsletter, December 2002, Issue No. 7.

Description: The article looks at the impact of voluntarily offering nonforfeiture benefits at the time of a rate increase on ALR and future profits.

Description: This article discusses the need for new LTC finance products.

Description: Today, a plethora of tools and approaches exist to develop lifetime projections of long-term care (LTC) business. Within these tools lie two distinct approaches to project mortality; namely, by using assumptions that are applied: (1) to an all-lives exposure base, or (2) separately for disabled- versus active-lives exposure bases. Using disabled versus active mortality allows for more granular modeling of the two different cohorts that exhibit dramatically different mortality. And so, when using an all-lives mortality assumption, is the projection missing important details about the appropriate mortality level? This article seeks to not only answer this question, but also answer how a “traditional” all-lives mortality assumption can be impacted when you introduce a combination of the two modeling techniques into the development of a mortality assumption. To answer these questions, we examined the experience and results developed from one c ompany as an illustrative case study.

Description: Paying for Independent Providers (IPs) has been a significant development in the evolution of long-term care insurance (LTCI) as a product. A discussion about IP policy benefits and how they constitute a “must have” for LTCI policy sales for competitive reasons.

Description: As a dementing disorder progresses, those affected become more dependent, requiring increasing personal care. This articlle discusses the economic and emotional impact of cognitive claims on families and on the LTC industry, practices under the current industry paradigm, new research, and treatments on the horizon.