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: A discussion of insurance claims processing and payment systems, and how to achieve the minimum possible number of errors.

Description: Description of French long term care claim evaluation system

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: In the United States today, approximately 12 percent of individuals age 65 and over and 0.8 percent of persons 45–65 years old have Alzheimer’s disease AD or a related disorder ADRD1.

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: Answers to questions that have surfaced with regard to recent trends in the use of psychiatric medications, including relative effectiveness compared to prescribing patterns, drivers of prescribing patterns, classification and indications for recently publicized drugs, role of primary care providers, preventive use ofdementia medications, and new developments in the field.

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