Description: From the Editor: This issue of Long-Term Care News attempts to address how LTC insurers manage investment risk and morbidity misestimation risks.

Description: Reasons reinsurance of legacy long-term care insurance is difficult to achieve.

Description: Advisers and Consumers have a difficult task in choosing appropriate inflation protection - this article address the challenges and provides suggestions.

Description: The article focuses on some of the major challenges and considerations an insurance carrier faces with pricing, management, and administration of LTC Combo Products.

Description: Why and how to set up an advance directive, in case a health event renders you unable to make your own medical to decisions.

Description: Although rate structures where low-cost cohorts subsidize high cost cohorts may be justified from a actuarial, marketing, or legal standpoint, the subsidization creates risks which must be understood and monitored. This article presents the concept of subsidization signature to measure and interpret the effects of rate subsidization, and to assess the sustainability of rating structures and the sensitivity of business mix assumptions.