Description: A discussion of the efforts to implement straight through processing and standardization of the HIPAA form for long term care claims data.

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: State regulators' review of predominant LTC Risks after review of year-end AG51 reports.

Description: At the 2012 ILTCI Conference in Las Vegas, a group of Long-term Care Industry professionals decided we wanted to do something a little bit different. We wanted the audience of our session, "Underwriting and Claims: From the Outside Looking In", to hear from the people who matter most to the LTC industry………our constituents. And we wanted the audience to have the opportunity to discuss issues with these constituents in an open, upfront format.

Description: I recommend a Social Security deferral product, and two annuity enhancements. I then discuss the challenges faced in getting such products distributed.

Description: A recent Society of Actuaries study calculates safety and stability for current Long Term Care Insurance premiums.

Description: This article describes how Long-Term Care products and riders may be filed with the Compact, and provides an update on current regulatory trends.

Description: I propose a Social Security deferral product and two annuity enhancements. Then I address the challenges in getting such products distributed.

Description: Recently, the SCAN Foundation, AARP, LeadingAge, and HHS funded economic modeling conducted by Milliman and the Urban Institute around LTC reform elements. The LTC industry has over the years also generated ideas to address the on-coming expansion of LTC needs in the U.S. For this article, we have brought together three individuals who have long involvement with LTC financing to discuss some of the recent ideas and provide some perspectives on their pluses and minuses.

Description: How do combo products fit in the new statutory valuation framework?