Description: Discussion of the movement toward principle-based reserves for LTC insurance.

Description: The LTCI Section Council Chairperson talks about the transition within the Council and the LTC newsletter editorial board as well as what type of tranistion the LTC insurance industry will make.

Description: A discussion of the accomplishments of a small group of industry leaders with a variety of opinions on the subject have held a National Conversation on Long-Term Care Financing. This group includes long-term care industry experts from the public policy, research, actuarial, sales and marketing, retirement, government, and the insurance industry sectors. The intent of the group is to discuss comprehensive solutions to the long-term care crisis and provide well vetted financing system approaches.

Description: The article focuses on some of the major challenges and considerations an insurance carrier faces with pricing, management, and administration of LTC Combo Products.

Description: This article describes how Long-Term Care products and riders may be filed with the Compact, and provides an update on current regulatory trends.

Description: Discussion of the recent promulgation of the mega rule interpreting HIPAA and GINA and the potential impact of the mega rule on long-term care insurers' use of genetic information in underwriting coverage.

Description: Advisers and Consumers have a difficult task in choosing appropriate inflation protection - this article address the challenges and provides suggestions.

Description: Stakeholders in a specific state (Minnesota) were interviewed about the potential value -- and obstacles -- of a catastrophic backstop program to handle long term care (LTC) financing needs. The design would entail a payroll deduction which would produce a fund to pay LTC expenses once a deductible period (of 1 to 4 years, depending on income) was reached. This design was believed to encourage enrollees to cover the front end better than done today, whether by private insurance or other means.

Description: The Deficit Reduction Act of 2005 established the nationwide expansion of a Long–Term-Care Partnership program into which any state can choose to participate. This article describes that program and what it means for a person insured under a qualifying long-term-care insurance policy.

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.