Description: Experience reporting forms (ERFs) are submitted by LTC insurers each year tracking their experience by year for earned premium, incurred claims, policy reserves, claim counts and policies in force.

Description: Morbidity improvement has been a hot topic in the LTC market in the past year. This session will provide an update of studies performed in the industry to review historical data for morbidity improvement and considerations that actuaries should take when determining what level of morbidity improvement to include in their best estimate assumptions.