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.

Description: Growing in popularity, coverage of Independent Provider services under long-term care insurance plans providing home health care benefits presents unique challenges—from product design to claims practices.

Description: Approaches to filing, approving and implementing LTC rate increases impact policyholder behavior regarding retaining/modifying their coverage.

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

Description: The article looks at the impact of voluntarily offering nonforfeiture benefits at the time of a rate increase on ALR and future profits.

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.