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Objectivity matters. Today, more than ever.

Independent for over 70 years, Milliman delivers market-leading services and solutions to clients worldwide. With no agenda, other than getting it right.

Through a team of professionals ranging from actuaries to clinicians, technology specialists to plan administrators, we offer unparalleled expertise in employee benefits, investment consulting, healthcare, life insurance and financial services, and property and casualty insurance.

News

  • 19 February 2019 — Captive Review
    The 2018 Captive Review Power 50
  • 14 September 2018 — Wall Street Journal
    Florence flood threat heightened by underinsured homeowners
See All News

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Long-term care consulting

We offer unmatched depth and breadth of knowledge in long-term care.

CHOMP

Expanding access to quality healthcare for a California community.

Global retirement

Helping clients understand and navigate retirement risk

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insight

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Featured Topics

  1. Analytics and modeling
  2. Enterprise risk management
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  4. Life insurance
  5. Solvency II

Recent stories

  • Multiemployer health and welfare fund statistics: Fall 2019
  • Pension Funding Index December 2019
  • Value of care categories
  • Hedge Cost Index November 2019
Solvency II

Recalculation of the Transitional Measure on Technical Provisions

insightMilliman insight

All insightHealthcareEmployee Benefits and InvestmentInsuranceRisk Management and Financial Services
LTC 1
Long-term care insurance valuation: An industry survey of assumptions and methodologies
LTC 2
Case study: Long-term care insurance first principles modeling
LTC 3
Mechanics and basics of long-term care rate increases

Long-term care insurance

  • Is your spouse contagious?

    By Allen J. Schmitz, Ali Yeager, Jeremy Hamilton | 22 November 2019

    How does spousal contagion influence long-term care needs?

  • Long-Term Care Insurance Fraud, Waste and Abuse Risk Management

    By Robert Eaton | 30 July 2019

    This survey is intended to share insurance company risk management practices and perspectives so that stakeholders may have a common understanding when discussing waste, fraud, and abuse in long-term care insurance.

  • Observations on Emergence of Earnings under US GAAP Targeted Improvements

    By François Dauphin, William C. Hines | 01 April 2019

    This paper illustrates the potential impacts of Accounting Standards Update 2018-12, Targeted Improvements for Long-Duration Contracts relative to current US GAAP accounting with respect to four blocks of business: level term insurance, single premium immediate annuities, long-term care insurance and universal life insurance.

  • Milliman Combination Product Experience Study

    By Carl A. Friedrich, Allen J. Schmitz | 21 March 2019

    Milliman announces the results of the first-of-its-kind, industry-wide study that examines insurers’ experience with combination products-- those that couple life or annuity policies with Long-Term Care or Chronic Illness riders.

  • The Long-Term Care Medical Symposium: Views from experts outside of the LTC industry

    By Michael Fossberg, Shawna Meyer, Robert Eaton | 01 February 2019

    This report aims to provide the long-term care insurance (LTCI) actuary with an environmental context for considering morbidity and other macro factors that may affect LTCI experience in the long term.

  • Challenges of runoff LTC and outsourcing to mitigate risk

    By Jeff Anderson, Van Beach | 15 January 2019

    There has been some consolidation in the long-term care (LTC) insurance market, but there are also many orphaned blocks as companies have pivoted away from LTC but retained the risk on their existing policies.

  • Case study part 3: Improving financial projections for long-term care insurance with predictive analytics

    By Missy Gordon, Joe Long | 17 August 2018

    This article walks through an illustrative case study for a company that transitions from using traditional techniques to using predictive analytics to develop a claim termination assumption.

  • Are Medicare Advantage plans ready for the high costs of long-term care?

    By Christopher J. Giese, Allen J. Schmitz | 12 June 2018

    There are a number of factors that may influence how Medicare Advantage plans offer and price new long-term care benefits.

  • Case study part 2: Improving financial projections for long-term care insurance with predictive analytics

    By Missy Gordon, Joe Long | 25 April 2018

    This study dives deeper into how predictive analytics can be used to help overcome some of the challenges in developing accurate financial projections of long-term care insurance.

  • Utilization: A review of two projection methods

    By Jeremy Hamilton, Tim F. Kempen | 25 April 2018

    This article focuses on two methods for using current utilization levels to develop utilization assumptions for future durations: an “average utilization” method and a “distribution” method.

See More Articles

  • 24 January 2018

    Tax reform impact on LTC insurance and other long-tailed health business: An actuarial perspective

    This article gives an overview of the key provisions in the new tax law and provides an actuarial perspective on the effect the new law could have on long-term care insurance and long-tailed health business generally.

  • 12 January 2018

    Utilization: Long-term care's middle child

    This article discusses key factors in accurately calculating utilization and what they mean for long-term care insurance products and premiums.

  • 12 January 2018

    Case study: Improving financial projections for long-term care insurance with predictive analytics

    This article walks through the progression from developing long-term care projection assumptions using traditional methods to doing so using predictive analytics.

  • 25 August 2017

    First principles modeling for LTC: A series summary

    Companies have experienced significant benefits from their first principles models. This article summarizes key topics from a series of articles about first principles modeling for long-term care insurance.

  • 08 May 2017

    Making claims: Applications of predictive analytics in long-term care

    This article explores the current long-term care predictive analytics landscape.

  • 03 May 2017

    Rate increases in three easy steps: A summary of the 2016 Milliman LTC Rate Increase Survey

    Milliman performed a comprehensive survey in September 2016 related to long-term care rate increase filings.

  • 03 May 2017

    Recouping past LTC losses

    Both insurance carriers and regulators are generally in agreement that long-term care insurers should not be able to recoup past losses through premium rate increases.

  • 02 May 2017

    Detail matters: Level vs. relative premium increases and their effect on actuarial equivalence in long-term care insurance

    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.

Insurance

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  • Featured videos

    • Benefits of the cloud - thumb (2)Benefits of running in the cloud(5:59)
    • MG-ALFA Moving forward - ThumbnailMG-ALFA: Moving forward through the years(5:59)
    • Liability exposure - ThumbnailThe evolving landscape of liability exposure(5:26)
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About Milliman


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For more than seven decades, Milliman has combined technical expertise with business acumen to create elegant solutions for our clients. 

Today, we are helping companies take on some of the world's most critical and complex issues, including retirement funding and healthcare financing, risk management and regulatory compliance, data analytics and business transformation.


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