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Health Insurance from a Non-Actuary's Viewpoint
profession's perspective on health care cost, insurer's role in medical care management, relationships between ... uncompensated care. From Record of Society of Actuaries Vol. 18, No. 1A. Group health plans;Health care costs;Health ...- Authors: Norman E Hill, Peter LePort, William Carter Henning, Harold C Yancy
- Date: Apr 1992
- Competency: External Forces & Industry Knowledge>External forces and business performance; Strategic Insight and Integration>Big picture view
- Publication Name: Record of the Society of Actuaries
- Topics: Economics>Health economics; Health & Disability>Health care; Health & Disability>Health insurance; Public Policy
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Small Talk Newsletter, November 2005, Issue No. 25
individual life, disability income or long-term care insurance. Two important changes are about to af- ... benefit without involvement of an insurer. The primary source of debt protection remains in the credit ...- Authors: Society of Actuaries, Roger Annin, Christopher Hause, Norman E Hill, Terry Long, James Thompson, Philip Velazquez, Daniel Winslow, Denise Love, Donna K Ferguson
- Date: Nov 2005
- Publication Name: Small Talk
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Regulatory Update for 2014
exemption. Currently, it is $300 million ordinary life direct plus assumed premiums for a company and $600 million ... would be divided between “Primary Securities” and “Other Securities.” Primary Securities would be regu- ...- Authors: Norman E Hill
- Date: Mar 2015
- Publication Name: Small Talk
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Worksite Marketing
there has been some interest in selling long-term-care cover- age on a worksite basis. For ages under 65 ... attempt to retain their coverage by converting to direct billing. Often, Preauthorized Check System (PAC) ...- Authors: Norman E Hill
- Date: Dec 1998
- Publication Name: Small Talk
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Small Companies & Federal vs. State Regulation
companies started tocome under fire in the early ’90s. Primary causes were insolvencies of several large life ... concern over rate increases on existing long term care products. Once again, minimum loss ratios have been ...- Authors: Norman E Hill
- Date: Sep 1999
- Competency: External Forces & Industry Knowledge
- Publication Name: Small Talk
- Topics: Public Policy
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Is There A Spof in Your Future?
• GICS • Equity-indexed annuities • Long-term care Current problems with product filing are due in ... life, annuity, variable, disability, or long-term care. The working group stated that their hope was that ...- Authors: Norman E Hill
- Date: Dec 2000
- Competency: External Forces & Industry Knowledge
- Publication Name: Small Talk
- Topics: Annuities; Health & Disability; Life Insurance
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Regulatory Update for 2013
PBR a. Non-variable annuities and long-term care (VM22 and VM25, respectively)—No firm proposals ... the primary demand for PBR and reserve reductions. Also, these products seem to be the primary products ...- Authors: Norman E Hill
- Date: Mar 2014
- Competency: External Forces & Industry Knowledge
- Publication Name: Small Talk
- Topics: Financial Reporting & Accounting>Statutory accounting
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The Actuarial Opinion Model Regulation AOMRTakes Center Stage
toughest regulatory state). 2. Regulators — their primary objection was that a Section 7 reserve opinion ... requirements to measure liabilities for long-term care and non-cancelable disability. These products ...- Authors: Norman E Hill
- Date: Jun 2000
- Competency: External Forces & Industry Knowledge
- Publication Name: The Financial Reporter
- Topics: Financial Reporting & Accounting>Statutory accounting
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Updated Regulatory Gamut—From OFC to PBR and In Between
provision that, on heavily coinsured term insurance, direct versus ceded modal pre- mium differences would ... annuities and health insurance, including long-term care. Summary As always, there are a host of regulatory ...- Authors: Norman E Hill
- Date: Nov 2009
- Competency: External Forces & Industry Knowledge; Technical Skills & Analytical Problem Solving
- Publication Name: Small Talk
- Topics: Public Policy
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Principle-Based Reserves PBR – More Trends, But Not Resolution
(VM21) and health insur- ance, including long-term care (VM25). If SVL was adopted among the states, completely ... to require separate cash flow projections for direct and reinsurance ceded portions. 7. Numerous ...- Authors: Norman E Hill
- Date: Dec 2008
- Competency: External Forces & Industry Knowledge>Actuarial theory in business context
- Publication Name: Small Talk
- Topics: Financial Reporting & Accounting>Statutory accounting