Description: This essay highlights that the healthcare of the future should offer unversal coverage, preserve competitiveness, research cost and quality and offer free or low cost preventative services.

Description: Charts for the Housing Wealth Effects, Boomer Refinancing, Housing Debt, and Retirement Saving Adequacy—1989-2007 monograph.

Description: This study revisits and updates the termination experience of single family mortgages originated during the early 1980s under the purview of the FHA and insured under the FHA's Mutual Mortgage Fund Insurance MMIF. It also provides a summary of the lessons learned from the study.

Description: This presentation concentrates on the regression analysis of three waves of data 2001, 2003, and 2005 from the Consumption and Activities Mail Survey CAMS. The CAMS collects consumption data from a random subset of respondents in the Health and Retirement Study HRS . The HRS is a nationally representative sample of persons who were aged 51 to 61 in 1992 and their spouses or partners. The survey is longitudinal in nature, with the baseline interview conducted in 1992 and subsequent waves occurring every two years. [Comments on long-term care needs and reverse mortgages will be offered at oral presentation without quantitative data.] From 'Needs and Spending in Retirement: Unraveling the Mystery' Symposium, Washington, D.C. October 2007.

Description: The author incorporates inflation-indexed bonds into the retiree asset allocation problem and illustrates how Liability Driven Investing LDI can be applied to individual investors. From the 2011 Enterprise Risk Management Symposium, March 2011.

Description: This paper summarizes and evaluates the CLASS Act's provisions and concludes it appears an expensive program. The paper proposes and discusses a Social Security/Long Term Care plan forming a four-pillar model for long term care. From the 2011 Enterprise Risk Management Symposium, March 2011.

Description: 'This paper looks at the issue of the timing the commencement of income annuities from the perspective of a real life client scenario.' From the 2011 Enterprise Risk Management Symposium, March 2011.

Description: The basic thesis posed by this overview is that a mixed strategy, involving both savings and labor force components for the challenge of the graying of the developed world is a good public, corporate, and individual strategy. From The Old-Age Crisis - Actuarial Opportunities -The 1996 Bowles Symposium, M-RS99-1.

Description: Appendix B presents several life samples comparing the benefits and funding before versus after the addition of the DROP feature. From Design and Actuarial Aspects of Deferred Retirement Option Programs, M-RS03-2.

Description: Chapter 2 describes the general categories of results that the study gleaned from the vast amount of data gathered: active mortality rates, disablement rates, termination rates, retirement rates, retiree morality, disabled mortality, interest rates, and salary scales. From A Study of Public Employees Retirement Systems, M-RS96-1.