Description: Panelists provide an overview of long-term-care insurance. They present basic information relating to how the product works, unique pricing and risk considerations, marketing, and reserve and capital requirements. From the Record of the Society of Actuaries, Vol. 31, No. 1, Session 48

Description: This is a research report that highlights the characteristics of combination plans that serve to reduce the risks to insurers issuing life or annuity products linked to long-term care insurance. Observations are provided to assist in the understanding of the factors that explain the profit change sensitivity results and the natural hedging against major risks that inherently is present within the linked products.

Description: The Deficit Reduction Act of 2005 established the nationwide expansion of a Long–Term-Care Partnership program into which any state can choose to participate. This article describes that program and what it means for a person insured under a qualifying long-term-care insurance policy.

Description: Panelists at this session of the SOA 1995 Vancouver Spring Meeting discuss current Long Term Care Insurance issues, including plan designs and other activities in the market, and state and federal regulatory and legislative activities.

Description: This article discusses the rationale behind having premiums for long term care insurance that vary by gender. Differences in LTC morbidity and practical aspects of gender distinct rates are discussed.

Description: Panelists discuss the various styles of underwriting being used in both the individual and the group long-term-care markets. From the Record of the Society of Actuaries, Vol. 25, No. 2.

Description: Panelists provide an overview of the current status of the long-term-care insurance industry and discuss growth, regulation changes, rate stabilization, underwriting and claims management. From the Record of the Society of Actuaries, Vol. 31, No. 1, Session 62

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: Panelists discuss the pros and cons of using a care manager in order to receive either benefits or enhanced benefits in long term care plans. From the Record of the Society of Actuaries, Vol. 24, No. 2.

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