Description: This is a chart on missed assumptions impact on Long Term Care Insurance ROE from an article in The Actuary Magazine entitled Long-Term Care is Poised for Growth.

Description: Despite a clear need and demographics which should be favorable to LTCI growth, the market remains stalled due to lack of understanding on the consumer side, and uncertainty on carriers' side. The 3 key risk areas for carriers are morbidity, terminations, and investment earnings. Financial market innovations which can address these include: repackaging risks as derivative securities, interest rate swaps and options, and inflation swaps.

Description: Full version of Long-Term Care Newsletter, September 2005, Issue No. 15.

Description: Full version of Long-Term Care Newsletter, August 2007, Issue No. 19.

Description: Issue No. 36. Article discusses new Medicare Options for Seniors Private Fee-For-Service plans and Medicare Medical Savigns Accounts MSA

Description: This article addresses the complexities and practicalities of constructing a continuance curve from long-term care LTC claims data.

Description: This article discusses the rationale behind having premiums for long term care insurance that vary by gender. Differences in LTC morbidity and practical aspects of gender distinct rates are discussed.

Description: This is 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.