Description: Although rate structures where low-cost cohorts subsidize high cost cohorts may be justified from a actuarial, marketing, or legal standpoint, the subsidization creates risks which must be understood and monitored. This article presents the concept of subsidization signature to measure and interpret the effects of rate subsidization, and to assess the sustainability of rating structures and the sensitivity of business mix assumptions.

Description: An examination of LTCI rate increases from three different perspectives: the insurance company, the policyholder, and the insurance department.

Description: We pose a series of identical questions to diverse long-term care insurance industry leaders asking them to share thoughts.

Description: Editor previews the issue

Description: There are many ways to manage a long-term care closed block of policies but some of the common ones are rate increases, enhancement of claim practices and helping policyholders to remain independent and thriving at home.

Description: Chairperson's Corner. Commentary on the changing conditions in the LTC insurance industry,

Description: A discussion of a gathering in Las Vegas of more than 500 insurance agents who discussed various answers to the question: Will there still be a long-term care insurance (LTCi) industry going forward?

Description: This article highlights several innovative ideas in the LTC insurance industry that were discussed at the 2016 ILTCI Conference, including: LifeStage LTC, insurance linked to wearable devices, repackaging existing LTC, retirement accounts, and "uberfication" of home health care.

Description: Overview of market research plan to test consumer interest in 2 new LTC finance options which emerged from the most recent Society of Actuaries' LTC Think Tank

Description: Review of LTC Industry