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.

Description: Chairperson’s column discussing the recent activities of the SOA’s Reinsurance Section.

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: Recent advances in mortality modeling have enabled applicant-specific quantification of mortality risk in life insurance applicants using laboratory and physical measurements. Relative to more conventional underwriting, this approach identifies a small population of significantly under-priced policy and a much larger, cross-subsidizing group whose risk is presently overestimated. Applicants placed in the highest percentile by this scoring methodology are more than 10X as likely to die in a given period as their demographic peers, and represent approximately 5% of short-term claims. Implications for product design are substantial in both the short- and long-term, as the possibilities for adverse selection grow, and the opportunity for fully individualized pricing raises the more distant prospect of products with as many rate classes as applicants.

Description: Business leadership lessons from non-business leaders: interpersonal skills and people management

Description: Update on the Long Term Care Section activities, including new council members, research, and educating policymakers, the public, and other industry associations on developments in health care regulation.

Description: This paper presents a brief history of life insurance risk assessment and explores a future including wearable devices, genetic testing and digital health data

Description: Chairperson's corner discussing the recent name to the L&D (formerly MPD), the winners of the Leadership Inspiration contest, and how to commit and aspire to your 2016 resolutions.

Description: The appeal of the actuarial profession to women.