Description: Many Americans will need long term care in future years, yet only 10 percent of those 50 and over have LTC insurance, and public programs are not funded to provide care for all who need it. The Long Term Care Section and the Forecasting and Futurism Section have co-sponsored a Delphi study, code named “Land This Plane,” with a lofty objective: to create a vision for how America ought to deal with the impending Long Term Care crisis. This article describes the results of the study that were available at the time this article was written.

Description: Description of French long term care claim evaluation system

Description: For a long time the primary focus of private LTC insurance companies has been to educate the public about the need for private LTC insurance and to make the product more acceptable to a wider population. To this end there have been numerous changes to the product design to make this product more acceptable to general population. However, one of the things that may have been overlooked in those product design changes is the need for alignment of policyholder and insurance company’s interests, which is to make coverage more affordable and to reduce adverse selection. Incentivizing good behavior from policyholders can not only make LTC insurance policies less expensive but also help policyholders make better health choices, which can help them stay healthy for a longer time. These incentives may also reduce some of the inherent risks in a long term care policy and may help in increasing the sales of private LTC insurance.

Description: This article is about the most significant issues and trends that may impact long-term care LTC risks, care delivery and protection in the future.

Description: A physician discusses white matter lesions on the brain - their nature, causes, severity, importance, associated risks, and underwriting implications for long term care insurance.

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: Look into history of long-term care insurance industry to understand the forces that shaped current industry's position and to identify new directions.

Description: Article about the future roles in health insurance.

Description: Projecting Policy Persistency by Bruce Stahl from Long-Term Care Newsletter, September 2004, Issue No. 12.

Description: To increase awareness of current research, cognitive treatments, brain exercise programs and overall long-term care, we will be adding a regular feature to the LTC Section newsletter, tentatively called the “Cognitive Corner.” This feature will provide a place to share existing academic research and health-related outcomes related to cognitive factors. It is the hope that this information will spur thought-provoking discussions and debates that impact your work regarding these hypotheses.