Description: We see a problem in the long-term care insurance industry because we don’t have a standard process. The majority of agents and advisors, who sell a variety of products, are often at a loss for what to do with LTCI.

Description: The author discusses the Genetic Information Nondiscrimination Act of 2008 GINA and its ultimate effect on the long-term care industry in general, and on current and future insureds, specifically.

Description: This article discusses the details of being classified as cognitively impaired, particularly the relationship between being classified as cognitively impaired and subsequent mortality experience and the effect of cognitive impairment on mortality rates.

Description: A discussion about change. Change is constant and will continue—some of it predictable; some of it not. Knowledge is the best tool for understanding change, and this publication is a great forum for allowing the best and brightest to share.

Description: This article encourages the reader to visit the LTC Section's webpage for current information about the section, LTC-related articles and other relevant content.

Description: 2nd part of a two part article on long term care insurance pricing. Covers investment earnings, RBC, long-term effects, lapses and loss ratios. From Long-Term Care Newsletter, October 2000, Issue No. 3.

Description: The Impact of Tax Reform on Federal LTCI Deductibility for Business Owners.

Description: Observations from the author's experiences auditing blocks of LTCI business.

Description: Actuarial equivalence in long term care rate increases may be unattainable in a system that has so many limitations.

Description: Discussion of rate differences by family tier and risk class for LTC and Medicare Supplement plans, and to what extent these differences are fair, ethical, legal, or actuarially sound.