Description: Mortality data and results for care home residents in England and Wales. Looking at numbers of death may indicate that there are fewer rate, but diving deep into various sub segments and looking at death rates, tells a different story.

Description: This article incorporates the NAIC long-term care insurance model regulation to discuss the appropriateness of rate increases by monitoring emerging experience to manage the risk. This includes experience analysis issues, maximum rate increase calculations, business considerations and valuation issues. From Long-Term Care, December 2003, Issue 10

Description: The article provides an overview of the federal tax treatment of long-term care insurance contracts, including a brief history of the tax treatment of long-term care insurance, the requirements that must be satisfied in order to be treated as qualified long-term care insurance under the Internal Revenue Code, and a brief discussion of qualified long-term care combination products and chronic and terminal illness accelerated death benefits offered under life insurance contracts.

Description: Article examines consistency across different underwriting manuals for LTCI.

Description: This article addresses the complexities and practicalities of constructing a continuance curve from long-term care LTC claims data.

Description: This article covers a panel discussion on “The Future of Long-Term Care” at the 1987 annual meeting.

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

Description: This article discusses the problems facing long-term care insurance. These include slowing sales, large premium increases and carriers exiting the market. The author suggests that the public needs to be better educated and that insurers need to find innovative ways to design products that are sustainable, yet sufficiently affordable to be attractive to a wide variety of buyers.

Description: New products should address having acceptable carrier risks and at the same time enhance the product’s value to consumers to pave the way for broader acceptance.