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

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: A review of the Australian retirement incomes system and an assessment of necessary changes to improve its effectiveness.

Description: The results of new research on the current state and future opportunity of the retirement market in China.

Description: An overview of the issues behind reimbursing providers on a bundled or packaged basis. The article presents the potential advantages offered by the proponents as well as the criticisms and obstacles to implementing this type of payment system.

Description: Congress once again turns to defined benefit pension plans as a misguided source for financing programs that have nothing to do with retirement.

Description: Top down approach to retirement results in wasting the human capital of retirees. We should concentrate, instead on allowing our clients to use their human capital to the fullest extent possible, and structure retirement products around that premise.

Description: Analysis of the impact of disease progression and treatment on life expectancy provides perspective on the long term costs to the health care system of chronic medical conditions.

Description: This paper discusses the Total Career Benchmark Model, consistent with Retirement 20/20 principles, focuses on reconstructing and maintaining a consistent and reasonable sharing of risks and rewards amongst the four stakeholders: Individuals, Society, Employers and the Markets. Modern technology provides the necessary tools. A series of benchmarks are used for tax limits, target pensions, accrual to date etc. The self adjusting, consistent benchmarks under the TCB Model, means that all stakeholders speak the same language. Individuals and Employers can easily compare what they have to what they need – and more importantly can see how to accrue what is needed. An individual’s ability to tax shelter income over a career is not dependent on the design of any employer pension plan. All funds allocated to an individual remain the individual’s and are not used to subsidize another person – except for the inherent risk sharing of an annuity – by hidden transfers of value.

Description: A discussion about the increasing risks associated with the National Flood Insurance Program in the U.S., including discussion of its history as well as key issues associated with its continuation in its present form.