Description: Intro article for newsletter focused on group long-term care products.

Description: Distribution’s Bird’s-Eye View of the Life Combo Marketplace

Description: Explore wellness programs and their effectiveness within the LTC industry by attending the Considerations for LTC Wellness Programs webcast. You will experience discussions about design tactics and evaluation processes for programs, as well as discovering ways to assist policyholders achieve a sustainable and equitable life. There will also be a conversation about the current regulatory environment as it relates to LTC wellness programs. This webinar will focus on subsets of insured populations that are high risk of claim in order to properly manage care decisions and ensure unfair bias is avoided. Learn how to test for unfair bias and determine best possibilities on how to guard against this when testing is unavailable.

Description: This article discusses the ways reinsurers support ceding companies: 1. Sharing morbidity risk. 2. Sharing other risks such as return on investment. 3. Sharing of expertise such as providing underwriting advice. 4. Sharing financial resources. 5. Sharing the role of consumer protection.

Description: This article describes Medicare Supplement and short-term care products in more detail, and we compare their risk profiles. We explore the concept that these two products—when offered together—may provide a complementary hedge of certain policyholder behavior risks.

Description: Both the SOA and AARP will showcase their recent research projects highlighting the impact of marginalization on aging and retirement. Learn how being a member of a marginalized group changes your outcomes as well as your perspective on aging and retirement.

Description: "Establishing Methods for Annual Updates to Cohort Life Expectancies – R. Dale Hall, FSA, CERA, MAAAManaging Director of Research, Society of Actuaries Research Institute Longevity Disparity across Communities in the United States – Lijia Guo, Ph.D., ASA, MAAA , US Government Accountability Office, Applied Research and Methods Division, Washington DC"

Description: Our understanding of the biology of aging is increasing rapidly, creating insight into how and why any organism is aging. Some of the mechanisms by which the process of aging occurs in mammals are sufficiently well understood that clinical trials targeting them in humans to improve later life health and longevity are now being undertaken. Translating results seen in mammals to humans has the potential to increase life expectancy far beyond what we have seen historically. Come explore the current state and outlook of research.

Description: "Demographic components of Future Potential Old-Age Support Ratios – Kirill Andreev, Ph.D., United Nations, Population Division, New York, Mila Andreeva, KAMA Consulting Effect of internal Migration on the Health of Taiwan’s Elderly People – Jack C. Yue, Ph.D., – National Chengchi University, Department of Statistics, Taipei, TaiwanPopulation Aging and Canada’s Social Contract: Covid-19 Catalyst for Change – Douglas Andrews, FSA, FCIA, Ph.D., Lori J. Curtis, Ph.D., – University of Waterloo"

Description: As the topic of affordable long-term care (LTC) insurance comes into focus in political conversations, we often find ourselves thinking, “What is going to happen to the private LTC insurance industry going forward?” The need for LTC in the United States is not going away, especially as the population continues to age. With this in mind, this article explores three possible future paths for LTC insurance funding and the associated implications for the private LTC industry.