Description: The article looks at potential changes in care provider demographics that could ultimately have an impact on the cost of long term care services.

Description: State regulators' review of predominant LTC Risks after review of year-end AG51 reports.

Description: In this article, we will describe EY’s five-pillar approach that balances practicality with comprehensiveness, and how this applies to LTC model validation.

Description: Discussion of the movement toward principle-based reserves for LTC insurance.

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 characteristics of and impediments associated with effective management of the long term care insurance market, particularly as it related to pricing, marketing, and underwriting. From the Record of the Society of Actuaries, Vol. 24, No. 2.

Description: Panelists discuss the role of the valuation actuary in health insurance. From the Record of the Society of Actuaries, Vol. 24, No. 2.

Description: Restoration of Benefits ROB: the provision of a long-term care policy that allows policyholders to restore their maximum benefit period after they have used some or nearly all of their policy benefits to pay for a covered claim event. This is a provision that should be managed closely.

Description: Approaches to filing, approving and implementing LTC rate increases impact policyholder behavior regarding retaining/modifying their coverage.