Description: Three long-term care claimants lead very full lives, thanks to making the most of their employer-sponsored group long-term care insurance coverage, in terms of using it through intelligent and conservative benefit utilization.

Description: Consideration of the LTC Actuarial Standard of Practice

Description: A defense of the CLASS Act from the perspective of the private long term care insurance industry.

Description: A discussion of reverse mortgages, and their suitability for meeting the long term care needs of seniors who want to stay in their homes.

Description: Announcement of changes to the LTC Section, and a preview of the articles in the December 2009 issue of Long Term Care News, with topics including Health care reform and LTC vs. Medicaid.

Description: Recently, the SCAN Foundation, AARP, LeadingAge, and HHS funded economic modeling conducted by Milliman and the Urban Institute around LTC reform elements. The LTC industry has over the years also generated ideas to address the on-coming expansion of LTC needs in the U.S. For this article, we have brought together three individuals who have long involvement with LTC financing to discuss some of the recent ideas and provide some perspectives on their pluses and minuses.

Description: A discussion of issues and developments that threaten the collective confidence of the LTC insurance industry, including job cutting, changes in reporting requirements, and compliance audits.

Description: An examination of LTCI rate increases from three different perspectives: the insurance company, the policyholder, and the insurance department.

Description: A personal experience of joining the LTC industry and a brief perspective on how to address challenges facing the industry.

Description: A model for an effective, cost efficient national public LTC/LTCI education program that will increase LTCI sales nationwide.