Description: Panelists discuss the pros and cons of using a care manager in order to receive either benefits or enhanced benefits in long term care plans. From the Record of the Society of Actuaries, Vol. 24, No. 2.

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: Panel discussion of varying views on: substandard underwriting with prudent pricing, qualified vs. nonqualified plans and the need for IRS clarifications, rate stabilization and aggressive pricing, noncancellable products and product features.

Description: An excerpt from a presentation at the 2014 Living to 100 Symposium, this article describes an open-source model for use by actuaries attempting to estimate future health benefit costs, discusses its strengths and limitations, and projects that spending for those age over 65 will take more than $13 trillion by 2055, about 50 percent of total medical expenditures.

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: Rhode Island’s unique “global Medicaid waiver” pursues a potentially dangerous national policy trend: long-term care LTC rebalancing without strong eligibility controls. Resulting cost overruns could seriously damage the state’s social safety net. To maximize the global waiver’s opportunity, minimize its danger, and become a LTC financing model for the country, policy makers need to recognize the issues discussed in this report and pursue the recommended additional research and analysis.

Description: A glossary of terms.

Description: Essay offers a vision of health care where everyone is covered, everyone is eligible, receives fair pricing, receives vital information and is taxed the same.

Description: This study identifies large categories of conditions that long-term care insurance LTCI carriers previously might have avoided because of a lack of data. This study estimates claims, mortality, and lapse rates for several conditions. Many of the conditions are further analyzed into risk categories, some of which would be insurable at standard rates.

Description: There is a wide range of literature on aging and health care. We sample this literature and find it fits into the subcategories of theoretical aging, medical significance of aging, treatment of the elderly, and resource allocation to the elderly. Themes are that financial arrangements can cause inefficient and ineffective care and that care guidelines need to developed specifically for the elderly rather than extrapolating guidelines for younger patients.