Description: This paper uses a mortality surge model to estimate the total financial impact on the U.S. insurance industry of a flu pandemic. It does not attempt to determine the probability of such a pandemic.

Description: Private LTC insurers are paving the way for value-based care through working to implement care management programs that improve the lives of their policyholders before and during a claim. However, measuring the effectiveness of these new programs is a challenging task. In this article, we will explore powerful tools that can enhance traditional effectiveness studies and address some of their existing weaknesses.