Description: I recommend a Social Security deferral product, and two annuity enhancements. I then discuss the challenges faced in getting such products distributed.

Description: This article provides an overview of the relationship to COVID-19 to issues related to caregiving, family and long-term care, and related SOA research. The SOA has addressed these topics in several research reports not related to COVID-19 and in recent reports related to COVID-19. It is currently working on new projects to help people better address some of the issues. The article also includes some highlights of efforts by ASEC, the ERISA Advisory Council 2020 projects, and an educational program focused on these issues. It then focuses on a number of things that employers might do to be supportive in addressing these issues. The employer issues focus on employees, retirees and caregiving employers. In thinking about this, employers can focus on financial wellness programs, employee assistance programs, and prepaid legal programs. A list of topics to considered for educational offers is included.

Description: Most industry professionals acknowledge that funding retirement needs will almost always require disciplined savings over a period of decades. Today, we are less than 30 years from the second half of the 21st Century. However, a majority of the Millennial and Gen Z generations are either not eligible for or are not using today's tax-preferred options for funding retiree medical and Long Term Care (LTC).

Description: The article provides a summary of key issues presented at the 2023 U.S. Living to 100 Symposium focused on the interests of retirement professionals and retirees. It provides an overview of the subjects covered. The discussion focused on the well-being of retirees and the development of the retirement system. It is focused on late-in-life issues and having the best life possible during that period. It balances technical and lifestyle issues, with an emphasis on mortality and longevity trends and influences. Some of the topics discussed include the impact of COVID, climate, housing, and age-friendly communities. The Elder Tech Symposium was merged into Living to 100 and includes discussion of a variety of technology approaches to improve lives and simplify support. The symposium recognized that the decisions needed and concerns during retirement are different later in life, particularly as people decline.

Description: The SOA Research Institute has executed research for over twenty years on some repeating themes and topics. The reports build on each other and add content. This article summarizes and discusses a summary report on long-term care, caregiving and housing linked to long-term care and caregiving.