Description: New for 2017, we are introducing a series of articles by experienced industry professionals who are relatively new to long-term care (LTC).

Description: The article discovers that mortality is higher for females than for males at higher ages, and suggests "stress" as the explanation. It then discusses mental illness research, including recovery therefrom.

Description: New for 2017, we are introducing a series of articles by experienced industry professionals who are relatively new to long-term care (LTC).

Description: A recent Society of Actuaries study calculates safety and stability for current Long Term Care Insurance premiums.

Description: A Discussion of why female mortality is higher than male mortality at higher ages.

Description: In 2015, LIMRA partnered with the SOA on a study that focused on examining individual LTC policy termination experience including both voluntary lapse and mortality results. This work was based on data submitted by 22 LTC carriers representing approximately 75 percent of the LTC lives inforce over the study period 2000-2011. This article discusses an area of emphasis for the policy terminations work which was to better understand the impact of data quality on reported results given the continued difficulty for insurers in accurately distinguishing voluntary lapse activity from deaths.

Description: This article discusses the details of being classified as cognitively impaired, particularly the relationship between being classified as cognitively impaired and subsequent mortality experience and the effect of cognitive impairment on mortality rates.