Description: Discussion of the items the AAA work group is reviewing with regards to the NAIC Model Regulation for Long-Term Care for premiums sufficiency and pricing. From Long-Term Care Newsletter, August 2002, Issue No. 6.

Description: This 1981 session dealt with individual accident and health rate regulation issues. Topics included the history of regulations and their primary purpose or need. From Record of Society of Actuaries, Vol. 7, No. 2.

Description: Panelists at this session of the SOA 2001 Annual Meeting discuss pricing issues and business risks associated with life, annuity, medical expense and disability income insurance products and compare them to long-term care [LTC].

Description: This discussion is on the availability of utilization and cost experience data for group medical care insurance coverages. Specifically, it highlights the role of the Society of Actuaries in intercompany data collection, employer demands for sophisticated utilization data for comparison by industry and geographic location, sources of industry-wide data, data resource potential of health claims processing by the National Electronic Information Corporation, and antitrust implications. From Record of the Society of Actuaries 1981, Volume 7, No. 4.

Description: The presenters will provide insights into fraud and abuse risk in the health insurance industry, including an examination of traditional and predictive modeling techniques for both prevention and detection. Emphasis will be placed on current and emerging risks. Canadian examples and perspectives will be offered, but the applications for attendees to use in practice are non-nation specific.

Description: 1994 SOA Meeting, San Francisco. This session discussed variable annuities and how direct companies use reinsurance to mitigate death and investment risk. Variable annuities and the enhanced death benefit were addressed from the direct and reinsurance sides.

Description: The primary focus of this 1997 presentation from the 32nd Actuarial Research Conference is the adaptation of the representative scenario method such that the distribution of the primary rates used for product pricing, are consistent, regardless of the initial random number seed. A preliminary question is how many stochastically generated scenarios are required for consistency. This presentation looks at the implications of: the use of antithetic random normal deviates upon the scenario process, ways of modifying the candidate list, and the choice function within the representative scenario process.

Description: Four experts offer their insights into long term care and long term care insurance.

Description: Presented at the Living to 100 Symposium, January 2011. This paper examines the relationship between the earliest stages of dementia—mild cognitive impairment—and mortality. Using data from long-term care insurance applicants, and linking this to the Social Security Master Death File, the authors focus on the classification results of two cognitive screens used at various times in the underwriting process. Applying the Cox Proportional Hazards Model as well as relative mortality ratio analysis, the authors show that the proportion of individuals classified as cognitively impaired have significantly higher relative mortality compared to those classified as cognitively intact.

Description: This article discusses the details of being classified as cognitively impaired, particularly the relationship between being classified as cognitively impaired and subsequent mortality experience and the effect of cognitive impairment on mortality rates.