Description: This article explores several ideas about in-force management and product innovation that may help the industry to reboot, in order to continue protecting Americans against the financial

Description: Three long-term care claimants lead very full lives, thanks to making the most of their employer-sponsored group long-term care insurance coverage, in terms of using it through intelligent and conservative benefit utilization.

Description: This presentation from Session 87PD of the SOA 1996 Colorado Springs Meeting is about managing long-term-care persistency risk. The panelists comment on: 1. findings from the SOA 1995 Long-Term-Care Experience Report, 2. pricing implications, and 3. steps taken to affect persistency results. From the Record of the Society of Actuaries, Vol. 22, No. 2.

Description: This article incorporates the NAIC long-term care insurance model regulation to discuss the appropriateness of rate increases by monitoring emerging experience to manage the risk. This includes experience analysis issues, maximum rate increase calculations, business considerations and valuation issues. From Long-Term Care, December 2003, Issue 10

Description: Disability insurers are showing an increasing interest in benefits that tie closely to long-term care. Several insurers have developed disability products that offer additional disability benefits based on the loss of activities of daily living, while others offer options to convert disability policies into long-term care policies. From Record of Society of Actuaries, Vol. 30, No. 1.

Description: This panel at the SOA 1998 New York Annual Meeting discusses current developments in the market for long-term-care insurance including underwriting, regulatory activity, pricing and plan design.

Description: Panel discussion of varying views on: substandard underwriting with prudent pricing, qualified vs. nonqualified plans and the need for IRS clarifications, rate stabilization and aggressive pricing, noncancellable products and product features.

Description: This session discussion is about nonforfeiture values for long-term care: valuation of different approaches [cash surrender value, return of premium, reduced paid-up, extended term, shortened benefit period], sensitivity testing, implications for marketing and regulatory status. From Record of Society of Actuaries Vol. 19, No. 1A.

Description: Panelists at this session of the SOA 2000 Las Vegas Spring Meeting discuss proposed changes to the NAIC model for Long Term Care Insurance designed to promote initial rate adequacy and decrease the role of rate increases in maintaining profitability.

Description: New insurance product concept to cover elder care