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: Proposes setting premiums such that inflation and age could change the premium over time, rather than prefunding. The value may be to change the approach to pricing LTC and improve the risk.

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: 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.

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: Discussion of landing spots and alternative options available to insureds at the time of an LTC rate increase.

Description: Following up on recent articles on claim reserves and retrospective testing, this article examines some data quality and methodology issues related to calculating LTCI claim reserves.