Description: Medical management programs have traditionally addressed more acute and short-term issues with chronic disease. As LTC becomes an important product in the insurance industry, including disease management is likely to be valuable for reducing costs and prolonging the healthy, premium-paying portion of a claimant's life.

Description: As a dementing disorder progresses, those affected become more dependent, requiring increasing personal care. This articlle discusses the economic and emotional impact of cognitive claims on families and on the LTC industry, practices under the current industry paradigm, new research, and treatments on the horizon.

Description: Discussion of the recent promulgation of the mega rule interpreting HIPAA and GINA and the potential impact of the mega rule on long-term care insurers' use of genetic information in underwriting coverage.

Description: A summary of pathology, risk factors, treatments, public health issues, and economic costs of Alzheimer's Disease.

Description: Overview on current trends in medical practice impacting the LTC insurance business with a focus on dementia, risk stratification, and predictive modeling.

Description: Discussion of the movement toward principle-based reserves for LTC insurance.

Description: The author discusses health care practices in Japan and how the US could successfully adopt some of them.

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: There are many ways to manage a long-term care closed block of policies but some of the common ones are rate increases, enhancement of claim practices and helping policyholders to remain independent and thriving at home.

Description: Despite a clear need and demographics which should be favorable to LTCI growth, the market remains stalled due to lack of understanding on the consumer side, and uncertainty on carriers' side. The 3 key risk areas for carriers are morbidity, terminations, and investment earnings. Financial market innovations which can address these include: repackaging risks as derivative securities, interest rate swaps and options, and inflation swaps.