Description: This web page contains a link to a research report that highlights the characteristics of combination plans that serve to reduce the risks to insurers issuing life or annuity products linked to long-term care insurance. Observations are provided to assist in the understanding of the factors that explain the profit change sensitivity results and the natural hedging against major risks that inherently is present within the linked products.

Description: This article explores the possibility of using innovations from the financial markets to reduce some portion of the LTC risk and thus encourage the growth of the product.

Description: Full version of Health Section News, December 1998, Issue No. 36.

Description: The implications of the new long-term care law for individuals, employers, insurers and providers, and the federal government.

Description: This is a chart that estimates spending on long-term care for older adults in the year 2004 from an article entitled Long-Term Care is Poised for Growth.

Description: This is a graphic that depicts the real risk of needing long-term care.

Description: The Deficit Reduction Act of 2005 established the nationwide expansion of a Long–Term-Care Partnership program into which any state can choose to participate. This article describes that program and what it means for a person insured under a qualifying long-term-care insurance policy.

Description: Full version of Long-Term Care Newsletter, December 2007, Issue No. 20.

Description: The implications of the new long-term care law for individuals, employers, insurers and providers, and the federal government.

Description: Issues relating to the1998 Balanced Budget Act BBA on Medicare Supplement Carriers. Discusses High-Deductible options, open enrollment provisions, pre-existing condition limitations, new provider payment methods and preventive benefits Issue No. 36.