Description: This paper examines how the costs in Canada of life insurance, medical care, disability, and retirement are impacted by increases in longevity. The paper then examines possible courses that policy action may take, and then proposes directions that employers may take in designing employee benefit programs.

Description: This is the informal discussion transcript for Session 4A: Longevity in the Public Eye from the January 4-6, 2017 Living to 100 Symposium in Orlando.

Description: This paper summarizes and evaluates the CLASS Act's provisions and concludes it appears an expensive program. The paper proposes and discusses a Social Security/Long Term Care plan forming a four-pillar model for long term care. From the 2011 Enterprise Risk Management Symposium, March 2011.

Description: This paper examines how income sources change when married women in Britain, the U.S., and Germany are widowed, and it draws inferences about the income consequences of specific retirement and survivorship provisions. .

Description: The purpose of this paper is to identify the changes in the structure and composition of families and to discuss the implications of those changes for Social Security reform.

Description: This paper proposes, for long-term care, a new funding model in which social insurance and private insurance will pay for the bulk of the costs, supplemented by personal payment. If these sources fail, public welfare will serve as a safety net.

Description: This paper sets out some of the changes that have taken place in the State National Insurance Pension system in the United Kingdom. From The Old-Age Crisis - Actuarial Opportunities - The 1996 Bowles Symposium, M-RS99-1.

Description: Essays show a new system that will encompass minor changes to the current health insurance system, it will allow consumers to sign up for Federal Employees Health Benefit Plan and be administered like Medicare but with more benefits and emphasis on preventive care.

Description: Elderly women living alone experience some of the highest poverty rates in the United States. One reason for their financial frailty is that they face more longevity risk than men. Existing financial products that can mitigate this risk are not attractive to many people. Can alternative vehicles for pooling longevity risk be developed outside the insurance market that would appeal to these individuals? This paper suggests some risk-pooling approaches and compares their effectiveness and viability.

Description: This paper summarizes the benefits and financing of the Medicare program, its financial status, and how the nation's impending demographic changes will affect the cost of the program. From The Old-Age Crisis - Actuarial Opportunities - The 1996 Bowles Symposium, M-RS99-1.