Description: The author discusses health care practices in Japan and how the US could successfully adopt some of them.

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

Description: As a dementing disorder progresses, those affected become more dependent, requiring increasing personal care. This articlle discusses the economic and emotional impact of cognitive claims on families and on the LTC industry, practices under the current industry paradigm, new research, and treatments on the horizon.

Description: Discussion of the movement toward principle-based reserves for LTC insurance.

Description: Despite a clear need and demographics which should be favorable to LTCI growth, the market remains stalled due to lack of understanding on the consumer side, and uncertainty on carriers' side. The 3 key risk areas for carriers are morbidity, terminations, and investment earnings. Financial market innovations which can address these include: repackaging risks as derivative securities, interest rate swaps and options, and inflation swaps.

Description: The article focuses on some of the major challenges and considerations an insurance carrier faces with pricing, management, and administration of LTC Combo Products.

Description: Approaches to filing, approving and implementing LTC rate increases impact policyholder behavior regarding retaining/modifying their coverage.

Description: The article looks at the impact of voluntarily offering nonforfeiture benefits at the time of a rate increase on ALR and future profits.

Description: Description of benefit reduction options that are available to insureds at the time of a rate increase and how regulators may view them.

Description: There are many ways to manage a long-term care closed block of policies but some of the common ones are rate increases, enhancement of claim practices and helping policyholders to remain independent and thriving at home.