LONG TERM CARE INSURANCE--MANUAL FOR REGULATORS

长期护理保险——监管机构手册

• 批准号: 3505877
• 负责人: GORDON R TRAPNELL
• 金额: $ 7.6万
• 依托单位: ACTUARIAL RESEARCH CORPORATION
• 依托单位国家: 美国
• 财政年份: 1990
• 资助国家: 美国
• 起止时间: 1990-05-01 至 1993-08-31
• 项目状态: 已结题
• 来源: https://reporter.nih.gov/project-details/3505877
• 关键词: computer program /software; computer simulation; extended care; governmental health /scientific organization; handbook; health care model; health care service utilization; health insurance; health related legal; model design /development; nursing homes; person with disability

DESCRIPTION: (From The Applicant's Abstract) Phase I produced a manual for the financial regulation of long term care insurance, covering such subjects as the crucial policy provisions, problems in insuring clauses, nonforfeiture provisions, underwriting practices, valid methods to monitor cumulative loss ratios, circumstances in which premium rate increases should be approved, methods to compute reserve and solvency standards, and tables that may be used as the basis of valuation standards. In Phase II, two advanced actuarial computer models will be developed that can be used by state insurance regulators to carry out their responsibilities to assure value to consumers and financial soundness of the insurers. The first model, the ARC LTC Insurance Financial Regulation Model, will provide the basis for assessing whether the benefits contained in a LTC policy are reasonable compared to the premium rate, monitoring ongoing loss ratios, reviewing rate increases, computing reserve standards and mandatory nonforfeiture benefit tables. The second model, the ARC LTC Insurance Solvency Standards Model, will provide the basis for setting solvency standards for insurers and to assess the level of capital that is needed to cover the potential losses from adverse experience. These models will be marketed to state insurance departments, consumer groups, and insurance companies.

描述：（来自申请人的摘要）第一阶段制作了一本手册， 长期护理保险的财务监管，包括 重点研究了保单条款、保险条款中存在的问题、 非没收条款，承保实践，有效的监控方法 累计损失率，保险费率上升的情况 准备金和偿付能力标准的计算方法，以及 可用作估值标准基础的表格。 在第二阶段，将开发两种先进的精算计算机模型， 国家保险监管机构可以用来执行他们的 确保对消费者的价值和财务稳健的责任 保险公司 第一种模式，ARC LTC保险金融监管 模型，将提供评估是否包含效益的基础 与保险费率相比，LTC政策中的保险费率是合理的， 持续的损失率，审查费率增加，计算准备金标准 和强制性非没收福利表。 第二种型号ARC LTC 保险偿付能力标准模型，将提供基础的设置 保险公司偿付能力标准，并评估 需要弥补不利经验带来的潜在损失。 这些模型 将向州保险部门、消费者团体和 保险公司