Description: A review of the e-book, "Universal Coverage of Long-Term Care in the United States: Can We Get There from Here?"

Description: This is an article about a survey sent to Long-Term Care section members and the survey results.

Description: Projecting Policy Persistency by Bruce Stahl from Long-Term Care Newsletter, September 2004, Issue No. 12.

Description: From the Chairperson: This column addresses the accomplishments of the LTC section, primarily building community within the health care arena.

Description: The editor discusses the importance of purchasing a long-term care insurance policy. He also presents highlights of the articles contained in the issue.

Description: A discussion about the future of long-term care insurance, potential growth of sales, and career influences.

Description: To increase awareness of current research, cognitive treatments, brain exercise programs and overall long-term care, we will be adding a regular feature to the LTC Section newsletter, tentatively called the “Cognitive Corner.” This feature will provide a place to share existing academic research and health-related outcomes related to cognitive factors. It is the hope that this information will spur thought-provoking discussions and debates that impact your work regarding these hypotheses.

Description: Feature article discussing combination long-term care products.

Description: Long-term care policy buyouts have been discussed within the industry lately as an additional policyholder option alongside a premium rate increase. This article discusses potential advantages and disadvantages of long-term care policy buyouts from the perspective of insurance carriers, regulators, and policyholders. It also explores certain key actuarial considerations relating to long-term care policy buyouts including potential approaches to valuing a buyout, adverse selection, and reinsurance.

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.