Description: Proposes setting premiums such that inflation and age could change the premium over time, rather than prefunding. The value may be to change the approach to pricing LTC and improve the risk.

Description: The author analyzes why LTCi is so risky, capital-intensive and unprofitable, and then makes the case that if we rethink the fundamental way a stand-alone LTCi should work, it can be transformed into a successful product.

Description: Considerable attention has been given in the recent past to the likely economic and social impact of Australia’s ageing population. One particular aspect which continues to be the subject of increased commentary and conjecture, is the need and subsequent costs for Long Term Care LTC. In this paper, a multiple state projection model based on a framework by Rickayzen and Walsh 2002 is constructed in order to project the number of people in Australia who are likely to require LTC.

Description: The challenge for LTC Insurance marketers and distributors is to explain the reasons behind actuaries' recent changes to pricing and underwriting while also furthering the cause of LTC Insurance sales.

Description: New for 2017, we are introducing a series of articles by experienced industry professionals who are relatively new to long-term care (LTC).

Description: There is much to be learned as we balance the consumer’s need for LTC now and in the future along with the insurer’s need for sustainability.

Description: Mergers and Acquisitions: Appraising a block of Long Term Care business. From Long-Term Care Newsletter, August 2001, Issue No. 5.

Description: Discussion of landing spots and alternative options available to insureds at the time of an LTC rate increase.

Description: An interview with Dawn Helwig on developments in the Long Term Care market.

Description: New for 2017, we are introducing a series of articles by experienced industry professionals who are relatively new to long-term care (LTC).