Description: This paper presents some preliminary results of an analysis of data from a regional municipality in Ontario to assess long term care risks. The data includes information on the optimal level of care at one or more points in time for each individual under study modelled using a Markov process.

Description: Panelists at this session of the SOA 1998 Annual Meeting discuss the results of two SOA research projects. One study looks at mortality rates as a function of lapse rates. The other study develops a model for relating mortality and lapse rates.