Description: The Supplemental Health, DI & LTC Conference provides a unique opportunity to consider a cross-functional view of supplemental health products, individual disability insurance, and long-term care standalone and combination products.

Description: Expect to cover key points from the Living to 100 conference around living and social environments for the elderly. Following the review will be a discussion about implications related to LTCI plans and policies around living environments. It will conclude with a peak behind the curtain for pricing for CCRCs.

Description: The author reviews the impact of health care exchanges becoming operational in 2014, and he offers ideas for efficient risk identification and ways to measure the results.

Description: 1994 SOA Meeting, San Antonio. This session on physician reimbursements focused on arrangements that might be offered by managed care companies, such as HMOs. It included an overview of key definitions, concepts, and incentive compensation arrangements.

Description: Telehealth benefits, obstacles, and delivery systems

Description: As a follow-up to a previous five-part series on accounting for ceded reinsurance under LDTI, this article focuses on one issue that has, until now, been left without a general solution—how to measure the reinsured portion of a direct loss from capping a net premium ratio or flooring a liability. After acknowledging limited guidance on the issue, the article describes the various events that can lead to a loss, how reinsurance protects against loss, and how that is translated into formulas for measuring the reinsured portion of a loss.

Description: This model arose from a project to evaluate the cost of a health care access' program to provide comprehensive medical care to uninsureds in Minnesota, for the Minnesota Health Care Access Commission. The project was to provide estimates of the impact on per-person and aggregate costs for various participation percentages in the access program. In order to evaluate those costs, the antiselection model described in this was developed. Of note, this was the ACTUARIAL EDUCATION AND RESEARCH FUND 1991 PRACTITIONERS AWARD WINNER. From Actuarial Research Clearing House 1991, VOL. 2.

Description: The article provides a summary of key issues presented at the 2023 U.S. Living to 100 Symposium focused on the interests of retirement professionals and retirees. It provides an overview of the subjects covered. The discussion focused on the well-being of retirees and the development of the retirement system. It is focused on late-in-life issues and having the best life possible during that period. It balances technical and lifestyle issues, with an emphasis on mortality and longevity trends and influences. Some of the topics discussed include the impact of COVID, climate, housing, and age-friendly communities. The Elder Tech Symposium was merged into Living to 100 and includes discussion of a variety of technology approaches to improve lives and simplify support. The symposium recognized that the decisions needed and concerns during retirement are different later in life, particularly as people decline.

Description: In this session, the presenters will discuss implementation challenges with US GAAP Long Duration Targeted Improvements (LDTI) for life and annuity products, and methods and changes to actuarial models their organizations use to overcome the challenges. Presenters will specifically discuss the following topics: The current GAAP reporting framework can create challenges with transparency for annuity insurers. Many annuity insurers report on adjusted earning measures in addition to US GAAP, believing the adjusted measures more accurately reflect earnings. Using a variable annuity framework, presenters will discuss key differences between GAAP and adjusted earnings measures, key challenges and their solutions for LDTI implementation, and the potential for LDTI to reduce the need for adjusted earnings measures and increase transparency. For FAS 60 based life products, insurers need to update and modernize the assumption setting process. Presenters will cover methods and the decision process whether to use existing data or new experience studies to review product experience and set assumptions. There is a lack of clarity and guidance for development and implementation of LDTI in a reinsurance framework. For reinsured life products, LDTI guidance is clear on the direct side of the financial statements, but the guidance is less clear on reinsurance ceded values. Presenters will discuss methods and changes to actuarial financial models that are needed in order to ensure the direct and ceded values are consistent.

Description: "Issues surrounding end-of-life and palliative care are not well understood and there is little research in the actuarial literature. From an actuarial perspective, however, end-of-life is important because of the significant cost to the healthcare system. Ian Duncan will discuss some of his research on the financial implications of end-of-life care, as well as the outcomes of a palliative care program. Dr. Matzo is an engaging personality with decades of experience in gerontology and palliative nursing, including training and teaching professionals in the field. Dr. Matzo focuses on educating the public on the importance and benefits of palliative care and hospice (care given in the final six months of life). In this session on “Palliative Care Public Education,” Dr. Matzo will give us an overview of the benefits of palliative care and how this knowledge empowers the individual to make important decisions about their healthcare options. Attendees will have the opportunity to discuss the role that the actuarial profession may play in this area."