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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).
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29 April 2024 - by Larry Baeder, Erica S. Baird (formerly, Erica Rode), Peggy Brinkmann, Joe Long, Caleb Stracke, Kweweli Togba-Doya, Gabriele Usan, Meseret Woldeyes
Imputation is a powerful tool for studying the disproportionate impact of race and ethnicity on insurance, so we discuss some uses and limitations.
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29 January 2024 - by Yun-Tien Lee, Victor Morales, Jim Brackett, Joe Long, Thomas Peplow
We explore how actuaries can leverage the programming language Julia to help balance development and runtime costs when creating new products and tools.
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16 October 2023 - by Robert Eaton, Michael Niemerg, Joe Long, Anne Lin
Milliman data science leaders discuss the opportunities and challenges of using machine learning in insurance, particularly within healthcare.
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17 July 2023 - by Jeff Anderson, Robert Eaton, Missy Gordon, Yang Jing, Joe Long, Juliet Spector
This marketing brief depicts the customer journey on a typical long-term-care policy and shows a sample output of the LARA pre-claim risk model, a product that provides insights to help carriers tailor their approach.
Article
01 March 2023 - by Jeff Anderson, Robert Eaton, Missy Gordon, Yang Jing, Joe Long, Juliet Spector
Milliman LARA is a proprietary suite of predictive modeling solutions that help long-term care (LTC) carriers understand and manage individual LTC risk with risk scores and drivers, bringing insights through industry-leading data and models.
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16 February 2023 - by Robert Eaton, Juliet Spector, Jeff Anderson, Joe Long, Brian Hartman, Missy Gordon
The case for proactively managing current and future long-term care (LTC) insurance (LTCI) claims is stronger than ever.
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22 April 2022 - by Bartosz Gaweda, Christoph Krischanitz, Rémi Bellina, Jeff Anderson, Joe Long, Noriyuki Kogo, Saiki Justin Makino, Scott Chow
As traditional insurers face competition from startups, they are well positioned to harness vast amounts of new data with the help of their actuarial teams.
Article
01 December 2021 - by Robert Eaton, Missy Gordon, Jeff Anderson, Juliet Spector, Joe Long
Pre-claim interventions can be an effective method to improve health outcomes, reduce severity of future claims, and reduce overall long-term care claim costs.
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05 April 2021 - by Van Beach, Jonathan Glowacki, Makho Mashoba, Benjamin Buttin, Alexandre Boumezoued, Joe Long, Zohair Motiwalla, Josh Dobiac, Antoine Ly, David South
A comprehensive look at uses of cloud computing and machine learning in the actuarial profession.