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: 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: This is a chart on missed assumptions impact on Long Term Care Insurance ROE from an article in The Actuary Magazine entitled Long-Term Care is Poised for Growth.

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

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.