The Challenging but Promising Environment for LTC Insurance. Susan Coronel, America s Health Insurance Plans
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1 The Challenging but Promising Environment for LTC Insurance Susan Coronel, America s Health Insurance Plans
2 Agenda NAIC LTCI Structure & Responsibilities Interstate Compact State Level What We Need to Monitor & Address Federal LTC Financing Policy Options
3 Additional Groups to Monitor NAIC LTCI Related Committee Structure & Responsibilities Senior Issues Task Force LTC B/E Task Force LTC Innovation WG Health Actuarial Task Force LTC Actuarial WG LTC Pricing SubG Interstate Compact D Committee Market Conduct Speed to Market SERFF Advisory Board LTC Valuation SubG
4 NAIC LTCI Related Committee Structure & Responsibilities LTCi B/E Task Force charges include coordinating all NAIC work related to LTCI assessing financial solvency of LTCi carriers evaluating financial reporting and actuarial valuation standards looking at state rate increase activity to achieve greater predictability/transparency coordinating state actions aimed at revising state guarantee fund laws monitoring the development of regulatory policy of LTCi short duration LTCi considering product innovations and the development of potential state/federal solutions for stabilization the LTCi market LTCi B/E Task Force released results of the state reported carrier financial solvency status surveys on 9/6/17 Industry believes the results are actuarially flawed
5 NAIC LTCI Related Committees Structure & Responsibilities NAIC Senior Issues considers LTCI related policy issues, regulatory standards and revisions to NAIC LTCi Models Latest changes to the LTC Models & Guidance Manual adopted in Currently considering new Models for short duration LTCI and updating LTCI Shoppers Guide LTC Actuarial, Pricing and Valuation Groups Asset Adequacy Testing of LTC Reserves Continued discussion on recoupment of past losses. Expect an LTC resource document but not a Model change Will monitor new asset adequacy over the next few years and review current LTC exhibits for current relevance LTCI Innovation Private Market Options for Financing Long-Term Care Services adopted. The report is intended to provide regulators, policymakers, consumers and other stakeholders an overview of LTC financing mechanisms to consider in the private market 5
6 10 Recommendations of NAIC LTC Innovations Subgroup 1. Permit retirement plan participants to make a distribution from 401(k), 403(b) or IRAs to purchase LTCI with no early withdrawal tax 2. Allow creation of LTC Savings Accounts, similar to HSAs and/or enhance use of HSAs for LTC expenses and premiums 3. Remove the HIPAA requirement to offer 5% compound inflation with LTCI and remove DRA requirement to include inflation protection and allow the States to determine the % of inflation protection 4. Allow flexible premium structures and/or cash value beyond return of premium 5. Allow products that combine LTC coverage with various insurance products (including products that morph into LTCI) 6. Support innovation by improving alignment between federal law and NAIC models 7. Create a more appropriate regulatory environment for Group LTCI and worksite coverage 8. Establish more generous federal tax incentives 9. Explore adding a home care benefit to Medicare or Medicare Supplement and/or Medicare Advantage plans 10. Federal education campaign around retirement security and importance of planning for potential LTC needs
7 Interstate Compact Map & LTC Compact LTC States + PR Non-Compact State 6 Compact State but Opt-Out for LTC (AZ, CT, HI, IN, MT & NJ) WA OR CA AK NV ID UT AZ MT WY NM CO ND SD NE KS OK TX MN WI IA MO AR LA IL MS MI IN KY TN AL OH WV SC GA FL VA NC PA NY VT NJ DE MD CT ME NH MA RI HI Ed. 9/20/17.
8 Interstate Compact IIPRC just completed 5-year review cycle for LTCI Revised standards went into effect on 10/17 IIPRC just received and closed out its first rate increase filing Expect carriers to file as their blocks age if experience warrants Industry needs to encourage all remaining non Compact and opt-out states to join IIPRC for LTC in order promote speed to market
9 State Level Key Issues to Monitor & Address Legislative/regulatory initiatives that will impede carriers ability to implement actuarially justified rate increases Appropriate actuarial standards of review for LTCI, LTCI rate increases and the marketplace generally Legislative/regulatory initiatives that will expand and promote LTCI as well as new and innovative solutions to the nation s expanding LTC funding problem State adoption of the current NAIC LTCi Models Legislative/ regulatory initiatives that would take LTCI out of the excepted benefit category and treat inappropriately as health Retroactive application of any legislative/regulatory initiative that is harmful to LTCI Impact of any legislative/ regulatory initiative that may be a barrier to combination products and other future innovative LTCI products
10 Federal Policy Options to Strengthen the Financing of Long-Term Care
11 OVERVIEW The aging of the baby-boom generation the 78.2 million Americans poses major challenges for policymakers. Over half of all Americans turning age 65 today will need LTC at some point in their lives. The Department of Health and Human Services estimates that individuals and their families pay for 52% of LTC expenditures outof-pocket. Medicaid pays about 34% and other public programs (such as benefits for veterans) cover about 10%. Private LTC insurance covers less than 3% of expenditures.
12 KEY POLICY POINTS TO REMEMBER LTC costs jeopardize Medicaid LTCI saves Medicaid dollars LTC services are expensive Life expectancy is on the rise LTCI helps millions of Americans and their families manage future costs for their LTC needs LTCI is a viable alternative for many
13 Crucial Question Facing Policymakers With Medicare and Medicaid already burdened by high costs, it is clear that public programs intended to meet the needs of the elderly will be severely stressed in the years ahead. A crucial question facing policymakers is how to create the right balance between public and private responsibilities between the obligation of government to provide a safety net for those who need it, and the obligation of citizens to provide for themselves to the extent they are able to do so.
14 AHIP strongly encourages the Congress/ Administration to enact the following federal LTC enhancements 1. Allowing employers to offer LTC insurance through cafeteria plans and flexible spending arrangements. 2. Removing barriers that prevent retirement plans from investing directly in LTC insurance (the within plan approach). 3. Allowing individuals with existing Health Savings Accounts (HSAs) to make additional contribution to their HSA to pay for LTC insurance. 4. Establishing a federal education campaign program around retirement security and the importance for planning for LTC.
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