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  • COVID-19 Impact on Long-Term Care Insurance 2020 Survey
    COVID-19 Impact on Long-Term Care Insurance 2020 Survey The Society of Actuaries (SOA) retained Milliman ... to conduct a survey on the impact of COVID-19 on Long-Term Care (LTC) insurance mortality, voluntary lapse ...

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    • Authors: Andrew H Dalton, Robert T Eaton, James Stoltzfus, Michael Bergerson
    • Date: Mar 2021
    • Competency: External Forces & Industry Knowledge
    • Topics: Long-term Care
  • Conducting a Long-Term Care Experience Study
    Security numbers and updated with the more reliable mortality data. However, effective Nov. 1, 2011, the Social ... records in the future. • Same-company life insurance. Life insurance carriers obviously do receive ...

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    • Authors: Matthew John Winegar, Michael Bergerson
    • Date: Jan 2013
    • Competency: Technical Skills & Analytical Problem Solving>Process and technique refinement
    • Publication Name: Long-Term Care News
    • Topics: Long-term Care
  • Reflections from the Chair
    Reflections from the Chair Reflections from the past year as chair of the LTC Section Council. ... podcasts or participating on a Project Oversight Group (POG) for a research project. My biggest hope for ...

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    • Authors: Michael Bergerson
    • Date: Nov 2022
    • Competency: Leadership
    • Publication Name: Long-Term Care News
    • Topics: Long-term Care>Long-term care insurance
  • Utilization: Long-Term Care’s “Middle Child”
    assumption is understated by 10 percent, the disabled life reserve balance would likewise be understated, ... actual amount of understatement in the disabled life reserve balance would often be less than 10 percent ...

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    • Authors: Michael Emmert, Michael Bergerson
    • Date: Dec 2017
    • Competency: Technical Skills & Analytical Problem Solving>Problem analysis and definition; Technical Skills & Analytical Problem Solving>Process and technique refinement
    • Publication Name: Long-Term Care News
    • Topics: Long-term Care>Long-term care insurance
  • Advantages, Disadvantages and Considerations for LTC Policy Buyouts
    increases on LTC business have become a fact of life in many cases and carriers are seeking ways to limit ... reserves. The active life reserve, unearned premium reserve, dis- abled life reserve (DLR) and allo ...

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    • Authors: Michael Bergerson, Jeff Anderson
    • Date: Feb 2020
    • Competency: External Forces & Industry Knowledge; Strategic Insight and Integration; Technical Skills & Analytical Problem Solving
    • Publication Name: Long-Term Care News
    • Topics: Long-term Care
  • So what's the good news?
    So what's the good news? Stories about the good that LTC policies do for some insured. ... serious depression issues. That in- surance was a life preserver for me. I co-facilitate support groups ...

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    • Authors: Michael Bergerson
    • Date: Dec 2016
    • Competency: Strategic Insight and Integration>Big picture view
    • Publication Name: Long-Term Care News
    • Topics: Long-term Care>Long-term care insurance
  • Detail Matters: Level vs. Relative Premium Increases and Their Effect on Actuarial Equivalence in Long-Term Care Insurance
    Detail Matters: Level vs. Relative Premium Increases and Their Effect on Actuarial Equivalence ... calculates a justified rate increase based on the entire life of a policy. So, if a product was priced to yield ...

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    • Authors: John Hebig, Michael Bergerson
    • Date: Apr 2017
    • Competency: External Forces & Industry Knowledge>Actuarial theory in business context
    • Publication Name: Long-Term Care News
    • Topics: Long-term Care>Long-term care insurance