Description: Proposes setting premiums such that inflation and age could change the premium over time, rather than prefunding. The value may be to change the approach to pricing LTC and improve the risk.

Description: The author analyzes why LTCi is so risky, capital-intensive and unprofitable, and then makes the case that if we rethink the fundamental way a stand-alone LTCi should work, it can be transformed into a successful product.

Description: New for 2017, we are introducing a series of articles by experienced industry professionals who are relatively new to long-term care (LTC).

Description: Mergers and Acquisitions: Appraising a block of Long Term Care business. From Long-Term Care Newsletter, August 2001, Issue No. 5.

Description: Discussion of landing spots and alternative options available to insureds at the time of an LTC rate increase.

Description: New for 2017, we are introducing a series of articles by experienced industry professionals who are relatively new to long-term care (LTC).

Description: In this article, we will describe EY’s five-pillar approach that balances practicality with comprehensiveness, and how this applies to LTC model validation.

Description: Article discusses the impact of regulation on rate stabilization for long-term care insurance. From Long-Term Care Newsletter, December 2002, Issue No. 7.

Description: A recent Society of Actuaries study calculates safety and stability for current Long Term Care Insurance premiums.

Description: A discussion of the accomplishments of a small group of industry leaders with a variety of opinions on the subject have held a National Conversation on Long-Term Care Financing. This group includes long-term care industry experts from the public policy, research, actuarial, sales and marketing, retirement, government, and the insurance industry sectors. The intent of the group is to discuss comprehensive solutions to the long-term care crisis and provide well vetted financing system approaches.