Description: How does spousal contagion influence long-term care needs? This article provides high-level results of spousal claim analysis and discusses potential implications to the LTC insurance market.

Description: Morbidity improvement has been a hot topic in the LTC market in the past year. This session will provide an update of studies performed in the industry to review historical data for morbidity improvement and considerations that actuaries should take when determining what level of morbidity improvement to include in their best estimate assumptions.

Description: In late 2018, the Society of Actuaries held a long-term care medical symposium. This meeting assembled a small group of medical experts to discuss the key medical issues facing the aging population with a focus on their impact on long-term care insurance. This session will provide an overview of the symposium, key outcomes and next steps for future updates.