Actuarial Aspects of Long Term Care
In: Springer Actuarial Ser.
Intro -- Foreword -- Contents -- Dependence: Definitions and Facts -- 1 Interactions of LTC Morbidity and Mortality -- 1.1 Introduction -- 1.2 Basic Concepts -- 1.3 Compression of Mortality -- 1.4 Compression of Morbidity -- 1.5 Interactions of LTC Morbidity and Mortality -- 1.6 Mechanisms Underlying Morbidity Compression -- 1.7 ADL Versus CI Morbidity -- 1.8 ADL Versus CI Mortality -- 1.9 Discussion -- 1.10 Conclusion -- References -- 2 Long Term Care in the United States -- 2.1 Introduction -- 2.1.1 Legal Environment -- 2.1.2 Community Living Assistance Services and Supports Act -- 2.2 Social Environment -- 2.2.1 Economic Dependency -- 2.2.2 Age and Gender -- 2.2.3 Income -- 2.2.4 Assets -- 2.2.5 Affordability of Long-Term Services and Supports -- 2.3 Measurement Tools -- 2.3.1 The Sullivan Index -- 2.3.2 1985 National Nursing Home Survey -- 2.3.3 Long Term Care Intercompany Experience Studies -- 2.4 Diagnosis -- 2.5 Evolution of the Insurance Market -- 2.6 Salient Differences Between the United States and France -- 2.6.1 Jurisdictions -- 2.6.2 Actuarial Memorandum -- 2.6.3 Gender -- 2.6.4 Social Insurance -- 2.6.5 Cost-of-Living Adjustments -- 2.6.6 Premium Persistency -- 2.6.7 Cash Versus Reimbursement -- 2.6.8 Reserves -- 2.6.9 Facultative Versus Mandatory -- 2.6.10 Mutuals and Mutuelles -- 2.6.11 Loss Ratios -- 2.6.12 Marketing Distribution -- 2.7 Conclusion -- Bibliography -- 3 Long Term Care in France -- 3.1 Introduction -- 3.2 Social Stakes -- 3.2.1 Demography: Aging of the Population -- 3.2.2 Nature of the Risks -- 3.2.3 Sizable Out-of-Pocket Costs -- 3.3 Definitions -- 3.3.1 The Iso-Resource Groups Grid -- 3.3.2 Activities of Daily Living -- 3.3.3 Cognitive Tests -- 3.4 Public Sector -- 3.4.1 Social Insurance -- 3.4.2 Allowance for Personal Autonomy -- 3.5 The Insurance Market -- 3.5.1 By the Numbers -- 3.5.2 Individual Insurance.