Long-term care
Creating coverage that lasts
Milliman long-term care solutions
Milliman Long-Term Care Guidelines
Milliman long-term care insight
Long-Term Care Focus: Q2 2025
Long-term care coverage in Medicare Advantage: Why it likely is not enough
Historically, Medicare has only covered acute, short-term LTC needs—such as skilled nursing or rehabilitative care following a hospitalization—and did not pay for custodial or ongoing LTC services that many older adults require as they age.
LTC rate increase landscape update
Long-term care rate hikes: Insurers requested an average rate increase of 56%, according to our 2024 survey.
Long-term care rate increase survey 2024
Nearly three-quarters of all submitted rate increases were fully or partially approved, according to Milliman's latest long-term care insurance rate filing survey.

Milliman’s annual U.S. industry LTCI claims projection
We expect long-term care insurance claims to peak in excess of $40 billion annually in the 2040s, excluding any new sales, according to our latest projections.
Long-term care insurance valuation: 2024 report
Milliman conducted its eighth triennial private long-term care insurance (LTCI) valuation survey in 2024.
Long-Term Care Focus: Q1 2025
Estimating Member-Level Treatment Effects with Uplift Modeling
In long-term care, uplift modeling could serve as a valuable tool, helping actuaries and statisticians analyze the effectiveness of new wellness programs.
Integrated and first principles modeling for hybrid life and health products
We discuss the two main model types for modeling Hybrid Life and Health products - a claim cost model and an integrated first-principles model - and the pros and cons of each.
Combination products: An accelerated education
Combination products provide valuable, and often substantial, health insurance coverage in the framework of a life insurance or annuity policy.