Description: Discussion of the impact of the ACA on RBS and required surplus for a health plan

Description: The editorial explores the reasons for the current low interest rates and introduces the February/March 2016 issue of The Actuary in which experts offer strategies on how to cope with the complex issues facing insurance companies and investment actuaries.

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: Established as part of the 1998 Utah State legislative session, the State of Utah's Children's Health Insurance Program CHIP delivers much-needed health insurance to children that are not eligible for Medicaid and who are below certain poverty levels. From Prescription Drugs Monograph, M-HB04-1.

Description: Many top-performing businesses aren’t just risk aware, but rather risk intelligent. Such a posture helps prepare companies for a major event and can demonstrate to a regulator or auditor that an appropriately strong control framework is in place. Better still, companies gain real strategic value from a “risk adjusted” understanding not only of their threats and vulnerabilities, but also the upside opportunities associated with various risks. It starts with having both qualitative and quantitative information to identify, assess and manage risks. Strategic risk management, at its core, is about creating value by increasing transparency and accountability, and quality of information. More than a mere compliance exercise, effective risk management enables more informed strategic decision making, increased accountability and transparency, a greater likelihood of organizational success, and – ultimately – competitive advantage, as borne out by many studies that correlate risk management and financial results.

Description: Defines Accelerated Underwriting programs as a transformational trend, and outlines a process for evaluating mortality implications of such programs.

Description: It is, without doubt, the poorest people in the world who are most in need of the security that insurance brings. Renata De Leers and Queenie Chow discuss why the micro-insurance market has low penetration, and why actuaries are so well placed to assist insurers in understanding their clients' needs.

Description: The five words for ERM are transparency, discipline, alignment, adaptability and resilience. This article focuses on transparency, discipline and resilience.

Description: To increase awareness of current research, cognitive treatments, brain exercise programs and overall long-term care, we will be adding a regular feature to the LTC Section newsletter, tentatively called the “Cognitive Corner.” This feature will provide a place to share existing academic research and health-related outcomes related to cognitive factors. It is the hope that this information will spur thought-provoking discussions and debates that impact your work regarding these hypotheses.