Description: Protecting oneself in older age from risks is the sine qua non of retirement planning. But far too many people don’t approach retirement (or retirement planning) well. From a policy perspective, we know about half the senior population will have some sort of long-term care event. We need to recognize that long-term care risk is a component not just of aging but of retirement. Placing long term care solutions in the retirement space is critical to reaching the bulk of the population. Combined with the additional element—recognition of risk—this would be both a powerful protection but also a natural one for individuals to understand.

Description: Article about the future roles in health insurance.

Description: I recommend a Social Security deferral product, and two annuity enhancements. I then discuss the challenges faced in getting such products distributed.

Description: LTCI Pricing and Product Development Trends from an actuarial survey. by James C. Berger from Long-Term Care Newsletter, December 2002, Issue No. 7.

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: This is a letter to Kathleen Sebelius, Secretary of the U.S. Department of Health and Human Services [HHS] from the SOA and AAA. The letter asks that the law prohibiting use of genetic information in underwriting not be extended to Long-Term Care Insurance as has been proposed by HHS.

Description: Article examines consistency across different underwriting manuals for LTCI.

Description: Description of benefit reduction options that are available to insureds at the time of a rate increase and how regulators may view them.

Description: The article looks at the impact of voluntarily offering nonforfeiture benefits at the time of a rate increase on ALR and future profits.

Description: Chairperson's update on the Long-Term Care Insurance Section