Description: Discussion of the separate and joint effects of obesity and diabetes on disability and mortality, and ways these effects can be used to improved insurance pricing and reserving, reverse the increasing rates of obesity and diabetes, and improve current projections of disability and mortality risks.

Description: The Upside to Higher Persistency in LTC Insurance—Effects of Anti-Selection After Policy Issue By John L. Timmerberg from Long-Term Care Newsletter, September 2004, Issue No. 12.

Description: Patterns of Informal and Formal Caregiving among Privately Insured and Non-Privately Insured Disabled Elders Living in the Community by Don Charsky from Long Term Care Newsletter, September 1999, Issue No. 1.

Description: Overview on current trends in medical practice impacting the LTC insurance business with a focus on dementia, risk stratification, and predictive modeling.

Description: This article compares the pros and cons of two methods for projecting LTC utilization: an average utilization method and a distribution method.

Description: Impact of various treatments for Alzheimer's on long term care insurance claims. From Long Term Care Newsletter, Sebtember 1999, Issue No. 1.

Description: There is much to be learned as we balance the consumer’s need for LTC now and in the future along with the insurer’s need for sustainability.

Description: Runoff LTC blocks present a wide range of business risks. Outsourcing certain tasks to third parties can help mitigate these risks.

Description: A discussion of the accomplishments of a small group of industry leaders with a variety of opinions on the subject have held a National Conversation on Long-Term Care Financing. This group includes long-term care industry experts from the public policy, research, actuarial, sales and marketing, retirement, government, and the insurance industry sectors. The intent of the group is to discuss comprehensive solutions to the long-term care crisis and provide well vetted financing system approaches.

Description: The author analyzes why LTCi is so risky, capital-intensive and unprofitable, and then makes the case that if we rethink the fundamental way a stand-alone LTCi should work, it can be transformed into a successful product.