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Detail matters: Level vs. relative premium increases and their effect on actuarial equivalence in long-term care insurance02 May 2017 - By Mike A. Bergerson and John Hebig - Article

Insurers must carefully consider the impact of rate changes on their bottom line—not just in terms of raw numbers, but in how they relate to experience and the potential for future profits or losses across the spectrum of benefits.

Landing spots: Offsetting premium increases through changes to inflation protection14 March 2016 - By John Hebig and Mike A. Bergerson - Article

Insurers are increasingly using inflation protection landing spots as they look to balance premiums and costs.

Benefit reductions to offset LTC premium increases: Evaluating options14 March 2016 - By John Hebig and Mike A. Bergerson - Article

Rate increases in the long-term care insurance market are continuing, and there are several possible benefit reduction options that insures can—and in some cases must—make available to policyholders.


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