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

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.

Description: Discussion of the movement toward principle-based reserves for LTC insurance.

Description: One of the dangers in any sort of modeling, whether for insurance experience or in financial portfolios, is becoming too reliant upon statistics and models, and not keeping reasoned, experienced judgment in sight. This article provides ways to address adverse experience possibilities resulting from misestimation risk.

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

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