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21 January 2026 - by Christopher J. Giese, Annie Gunnlaugsson, Evan Pollock, Kevin Brown
On average a 65-year-old would need to set aside $135,000 to cover expected future lifetime costs of long-term care, according to Milliman research.
Article
31 December 2025 - by Sam Smetek, Annie Gunnlaugsson, Christopher J. Giese, Quentin Clemens
Average LTC insurance premiums increased steadily over the last decade, but incurred claims rose at a faster rate, according to our analysis.
Article
10 December 2025 - by Mike Bergerson, Robert Eaton, Nicole Gaspar, Jordan Olds, Joe Neary, Juliet Spector, Jeff Anderson, Anders Hendrickson, Joe Long, Annie Gunnlaugsson, Fiona Ng, Lucy Ouyang, James Stoltzfus
In this issue, we highlight key initiatives, research, and upcoming studies from Milliman’s LTC consultants, including enhancements to our LARA platform, the impact of post-pandemic experience on LTC insurance, and the next iteration of our Milliman Long-Term Care Guidelines (Guidelines).
Article
11 July 2025 - by Juliet Spector, Mike Bergerson, Robert Eaton, Joe Neary, Courtney Kronlokken, Jeff Anderson, Jeremy Hamilton, Andrew Duxbury, Bryan Rask, Annie Gunnlaugsson
This Long-Term Care (LTC) Focus newsletter showcases some of the projects that Milliman LTC consultants are working on now.
Article
10 July 2025 - by Christopher J. Giese, Annie Gunnlaugsson, Jeremy Hamilton
We examine why long-term care coverage in Medicare Advantage likely is not enough, along with the challenges of offering more comprehensive policies.
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17 February 2025 - by Juliet Spector, Mike Bergerson, Robert Eaton, Joe Neary, Courtney Kronlokken, Jeff Anderson, Jeremy Hamilton, Andrew Duxbury, Bryan Rask, Annie Gunnlaugsson
This Long-Term Care (LTC) Focus newsletter showcases some of the projects that Milliman LTC consultants are working on now.
Article
11 September 2024 - by Juliet Spector, Annie Gunnlaugsson, Robert Eaton, Mike Bergerson, Joe Neary, Evan Pollock, Courtney Kronlokken, Randy Beams, Susan Knutson
In our third quarter 2024 Long-Term Care (LTC) Focus newsletter, we showcase some of the projects that Milliman LTC consultants are working on now.
Article
07 May 2024 - by Evan Pollock, Christopher J. Giese, Annie Gunnlaugsson
We examine long-term care (LTC) plan designs through the lens of LTC actuarial value, a concept offering fresh perspective on the space.
Article
15 March 2024 - by Juliet Spector, Annie Gunnlaugsson, Robert Eaton, Mike Bergerson, Jeff Anderson, Jeremy Hamilton, Daniel A. Nitz, Alyssa Lu, John Hebig, Courtney Kronlokken, Tim Kempen, Evan Pollock, Kevin Brown
This Long-Term Care (LTC) Focus newsletter showcases some of the projects that Milliman LTC consultants are working on now.
Article
02 November 2023 - by Christopher J. Giese, Annie Gunnlaugsson, Evan Pollock
As states consider long-term care programs, we examine differences in payroll taxes under a front-end design, given the diverse environments across the U.S.