Key points to consider in the design and delivery of group long-term care insurance services

Article Abstract:

The financial aspects of delivering long-term care (LTC) has become a top concern in the US and LTC insurance may help alleviate the economic constraints posed by caring for the elderly population. Employers may find that providing their employees with LTC insurance might prove viable in the long run. However, this will entail the determination of eligibility requirements for coverage and benefits, the scope of care services and the plan's features, especially affordability. The program's success will eventually depend on planning, constant communication and employer support.

Group insurance

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Financing long-term care: employee needs and attitudes, and the employer's role

Article Abstract:

There is a need for employers to provide some form of long-term care (LTC) insurance for their employees as psychological barriers and aversions keep employees from purchasing such insurance. LTC insurance is quite expensive but employers can still offer it and enjoy cost benefits by offering LTC insurance benefits and combine life annuity through their respective retirement plans.

Direct Health and Medical Insurance Carriers, Hospital and medical service plans, Medical Insurance NEC, Health insurance, Retirement benefits

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Risk management of overseas employees from an insurer's perspective

Article Abstract:

Issues concerning insurance are discussed with emphasis on risk management of overseas employees. The reasons behind insurers' decisions in such cases are examined and rating principles are described.

Evaluation, Risk management

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