2021 Supplemental Health, DI and LTC Conference Agenda

*All times EDT

Wednesday, August 4, 2021

11:00 a.m. - 12:00 p.m. - OPENING REMARKS AND GENERAL SESSION 1

Beyond COVID: The New U.S. Healthcare Landscape

In the midst of a pandemic, we saw record utilization of virtual care, capital flowing to healthcare disrupters like never before, and clinical innovation happening at an unprecedented pace — all against a backdrop of an aging population, continued shifts in consumer preferences, an unsustainable industry cost structure, and evolving regulation.  While some trends will persist and others will be a flash in the pan, it’s clear that healthcare is changing.  But what will the US healthcare landscape look like in five years, and how can we prepare?  Sam Glick, leader of the Oliver Wyman Health Innovation Center, will share his perspective from working with hundreds of leading healthcare organizations across the country.

Sam Glick - Partner and Leader, Oliver Wyman Health Innovation Center – Health and Life Sciences, Oliver Wyman

12:00 p.m. - 12:30 p.m. - BREAK

12:30 p.m. - 1:30 p.m.: BREAKOUT SESSIONS

1.1 Data Analytics in Insurance

JULIA DRUCE
Data Science Manager
Munich Re

JACK NORBY, FSA, MAAA, Moderator
Director and Actuary, Voluntary Benefits
Trustmark

In this session, we’ll discuss how Big Data will change business practices and what it means for the insurance industry going forward. Learn how to identify a data science problem, choose the right tools, what the limitations are, and how to explain and validate the results. Explore a case study showing the use of multivariate statistical analysis such as Generalized Linear Models and Machine Learning Models. 

1.2 You’re Doing It Wrong

JOHN O’LEARY
President, CEO
O’Leary Marketing

BOB YEE
Actuary
Assured Allies

WINONA BERDINE, CLTC, LTCP, HIA, MHP, HCSA, Moderator
Vice President, Business Development
RGA

Why is it so hard to be creative in the LTCI space? Let me count the reasons; state regulations, federal guidance, education, distribution, pricing, underwriting — the list goes on.  Come listen to industry experts discuss hurdles and potential solutions to what’s keeping us from developing new, innovative LTCI products.

1.3 LTC Pre-Claims Population Management

DEBAPRIYA (Deb) MITRA
Senior Vice President, Business Strategy and New Ventures
Genworth

JOHN PALMER
Vice President, LTC Operations and Claims
CNA

JOHN SNELSON
Claims Manager, LTC Solutions
New York Life

In this session, our panelists will discuss the opportunities, challenges, and considerations that exist in developing wellness initiatives for our policyholders before claim. We will also discuss the impact of policyholder engagement as well as methods for measuring success.

1.4 COVID-19 — Is It Truly the New Normal?

CURRY BRADLEY
Chief Marketing Officer and Executive Vice President
Winston Benefits, Inc.

MIKE GOOLSBY
National Practice Leader
GIS

BRIAN INGLIS
President
PEC

MARC LOWER
National Sales Leader
Aon-AVBES

CHRIS MORRIS
Marketing Consultant
Benefit Communications, Inc.

EJ SEBELLE
Assistant Vice President, Product Development
MetLife

JOSEPH REFANO, Moderator
National Product Director
MetLife

The session will examine how COVID-19 has reshaped the supplemental health industry. What is here to stay (aka “The New Normal”) and what will go back to normal? This session will also look at how carriers responded to the pandemic, and specifically where they were successful and where they struggled.

1:30 p.m. - 2:00 p.m. - BREAK

2:00 p.m. - 3:00 p.m.: BREAKOUT SESSIONS

2.1 The New Morbidity Trajectory

DALE HALL
Managing Director of Research
Society of Actuaries

JIM FILMORE
Vice President and Actuary
Munich Re

JONAH YEARICK, FSA, MAAA, CERA, Moderator
Director and Actuary
The Standard

The COVID-19 pandemic has had an impact on nearly every aspect of daily life. In this session, our panel will discuss COVID’s impact on IDI morbidity experience as observed over the first year, offer comparisons in light of other insurance lines of business, and share some thoughts on how the on-going effects, and recovery from the disease, will continue to shape morbidity patterns into the future.

2.2 Innovation in LTC Claims Management

CHRISTIE CONWAY, CSA, NAPW
Vice President, LTC Client Services
AssuriCare

KLAAS STIJNEN
Chief Product Officer and Co-founder
Montoux

Ninety percent of all Americans want to age at home. However, many people are transitioning into facility based care earlier than needed. Our experts will present insights in what is driving premature transitions into facility based care and advancements in lifestyle management support and the use of data, analytics and technology to help improve and maintain policyholders’ health and wellbeing in order to age at home for longer.

2.3 The Art of Quick Product Updates

ROBERT MAYER
Director, Product Management and Development
Aetna

KATHERINE READ, CLU, ChFC
AVP, Supplemental Benefits Products
Voya Financial

REBECCA WINTERS, Moderator
Senior Voluntary Product Manager
Voya Financial

The supplemental health market continues to evolve at a rapid pace! Carriers who are able to quickly update and refresh products can have a significant advantage over carriers who are less nimble. In this session, we’ll discuss what strategies can increase a carrier’s flexibility and responsiveness to market change.

2.4 Supplemental Health in the Individual Market

KATHERINE CLUTTER,
Actuarial Analyst 
Combined Insurance

STEPHEN FOX, FSA, MAAA
Head of Supplemental Health Pricing & Product Management
MassMutual

JENNIFER HOWARD, FSA, MAA
Consulting Actuary
Milliman

HENRY TREVOR
Assistant Vice President Group Underwriting, Worksite Solutions
Chubb Workplace Benefits

SUSAN WAGNER, Moderator
Head of Worksite Product Strategy & Implementation
MassMutual

 

This session will examine the ways that insurers are reaching out to the individual market and some of the challenges unique to this space.

3:00 p.m. - 3:15 p.m. - BREAK

3:15 p.m. - 4:15 p.m.: BREAKOUT SESSIONS

3.1 Selling DI to the Middle Market, Millennials and Non-traditional Workers

JARED CARLSON
Vice President, Individual Sales and Assurity Ventures
Assurity Life

BRUCE SCHEIBER, FLMI, ACS, Moderator
Director of Underwriting Services
Assurity Life

In this session, we will dive into emerging marketing and sales strategies to attract new insureds to disability income. We will explore the rapidly evolving sales, underwriting and application processing methods which are emerging in an effort to modernize the insurance industry’s approach to potential new insureds.

3.2 LTC Aging in Place Solutions: Meet Emerging Service Providers

VINCE BODNAR, Facilitator
Chief Actuary
Bain Capital Insurance

SANGEETA AGARAWAI
Founder and CEO
Helpsy Health

GARY GERMAN
CEO
Nonnatech

DAVE JACOBS
Managing Director and Co-founder
HomeThrive

KELLY PRCHAL
Co-founder
Allied Virtual Care

RANDY WILLIAMS
Co-founder
WellSaid

ELLEN YOON, GBDS
Senior Partner, Cognitive Process Transformation
IBM Services

Aging in place tech vendors give 5-10 minute speed pitches.

3.3 Supplemental Health Distribution

ALVIN HEGGIE
MMFA Distribution Strategy Leader
MassMutual

CHRISTIN KURETICH
Strategic Consultant
Milliman

Distribution is an essential element of a successful voluntary strategy – without aligned distribution a carrier’s products, services, and support processes are expenses whereas when you add distribution to the mix those things become assets. This workshop will discuss voluntary employee benefit distribution and various perspectives on how technology has taken a progressive role in the process.

3.4 How Innovation is Changing the Supplemental Health Marketplace

VEER GIDWANEY
CEO
Brella Insurance

REBECCA WINTERS
Sr., Voluntary Product Manager
Voya

ASHLEE BORCAN, FSA, MAA, Moderator & Presenter
Principal and Consulting Actuary
Milliman

Join our review of various creative innovations, from product design and marketing to administration. We will discuss the impact of innovation on how we service the consumer.  What’s here to stay? What is a passing fad?

Thursday, August 5, 2021

11:00 a.m. - 12:00 p.m.: BREAKOUT SESSIONS

4.1 DI Regulatory Update: Noise from the Hill

STEVE CLAYBURN, FSA, MAAA
Senior Actuary, Health Insurance and Reinsurance
ACLI

DAVID STEINBRUNNER, ASA, MAAA, Moderator
Director, Assistant Actuary and GSI Underwriter
Ameritas

Connect with your peers and industry experts as we shed light on regulatory issues impacting the disability income industry, so you can avoid any unexpected bumps in the road.

4.2 New Alternative LTC Product Trends and Innovation

LINDA CHOW, FSA, MAAA
Senior Manager
EY

MOHAMMAD REZA
Head of Hybrid Long-Term Care Solution
New York Life

SANJIT PURI, MD, ASA, MAAA
Senior Director
Optum Advisory Services

SANJA ZEHNDER, FSA, MAAA
Senior Managing Actuary
CNO Financial

This session will provide an overview to the alternative LTC product trends and innovation, including:

  • Latest industry trend and innovation in the Hybrid (Life/LTC) product market.
  • Short Term Care (STC) product development update and how have products changed.
  • Latest development in the Managed LTC space (Medicare LTC and Medicaid LTC).

4.3 That’s My Take -This session has been cancelled

BRICE CAMPBELL
Vice President, Sales
Cigna

DANI MCCAULEY
Customer Experience Leader
Aon

JOSEPH REFANO, Moderator
National Product Director
MetLife

During this session, we will ask experts in the supplemental health group industry to share their take on controversial industry issues and debate their position on relevant hot topics. Audience members will get the opportunity to weigh in on the debate and share their opinions.

4.4 Medical Data? We Don’t Need No Stinkin’ Medical Data!

LAURA SANDERSON
Accident and Health Product Director
MetLife

SHANNON SHAFER
Director, Customer Experience
Voya Financial

KAMRAN MALIK, Moderator
Consulting Actuary

With the entry of medical carriers into the supplemental health market, the claims submission and adjudication process has seen a push towards integrating medical claims data. This workshop will discuss the challenges and potential solutions for meeting this growing market need, especially for carriers lacking their own internal medical data.

12:00 p.m. - 12:45 p.m. - BREAK

12:45 p.m. - 1:45 p.m.: BREAKOUT SESSIONS

5.1 Medical Records — They've Gone Electronic

NICK ZAMBRUNO
Growth Insurance Lead
Human API

KAREN RUGG, Moderator
Second Vice President, Disability Underwriting
Berkshire Life

What’s the story on Electronic Medical Records (EMR)? When did they start? Why do we use them? How are they being used today? Where’s it all headed? Get a brief history on Electronic Medical Records, learn how these are being used today in DI for underwriting/claims and discuss what the future might hold.

5.2 Pricing Considerations for New LTC Products

MATT WINEGAR
Director and Actuary, Product Design
Pacific Life

KIRILL GRIN, Moderator
Senior Actuarial Analyst
LTCG

If you are a long-term care pricing actuary, you won’t want to miss this session. The topics covered will include:

  • New valuation considerations required for pricing (PBR, VM 20 implementation)
  • Morbidity and mortality assumptions
  • Low interest rates

Bring your questions for our panel of experts.

5.3 LTCI: Who's Selling What to Whom? How and Why?

BARRY FISHER
Principal
Ice Floe Consulting, LLC

RONALD HAGELMAN, Jr., CLTC, CSA, LTCP
Principal
Ice Floe Consulting

JEFF LEVIN, Moderator
Divisional Vice President, Care Solutions ILFS
OneAmerica

 

Are you a trendsetter or trend follower? Come listen as we discuss at what ages and in what demographic markets we see the largest LTCI sales and where the opportunities are. We will consider trends by generation, whether we should bifurcate the market, and if different products are needed for different generations.

5.4 Underwrite This

BRET FREDERICKSEN
Director, Underwriting Select Benefits
Symetra

MARY JOHNSON
Director, Marketing Underwriter
RGA

PAUL PETER, Moderator
Assistant Vice President
Companion Life

This interactive session will provide a look at real life underwriting examples of CI, Accident and Hospital Indemnity cases in the group market.

1:45 p.m. - 2:15 p.m. - BREAK

2:15 p.m. - 3:30 p.m.: BREAKOUT SESSIONS

6.1 DI Hot Topics

KATHLEEN COUGHLIN, Facilitator
Head DI Underwriter, Enterprise Technology & Experience
MassMutual

KAREN RUGG, Facilitator
Second Vice President, Disability Underwriting
Berkshire Life

Join us for an interactive, fast-paced discussion about the current and future challenges the DI Industry is facing.

6.2 LTC Distributors: We Have Something to Say!

PEGGY FORTSON, LTCP, CLTC, CSA
President
Long Term Care Choices, Inc.

GENE PLAUCHE II, CLTC, LUTCF, FSS
Regional Director
First Protective

JEFF SATHER
Vice President, Training and Development, Asset Based LTC Specialist
One Resource Group

JEFF LEVIN, Moderator
Divisional Vice President, Care Solutions ILFS
OneAmerica

Join and participate in a session where we will discuss what distributors have to say about products and the market. What are you selling to whom and why? Would you sell something different if available? Why is it hard to sell LTC? What would attract more people to distribution?

6.3 Supplemental Health Buzz Group

Facilitators:
ASHLEE BORCAN
Principal and Consulting Actuary
Milliman

KATHERINE CLUTTER
Actuarial Student
Combined

DAN PAFFUMI
Director, Actuarial and Underwriting
Aetna

JOSEPH REFANO
National Product Director
MetLife

RICHARD SCHAEFER
Chief Actuary
Allstate

SUE WAGNER
Lead Workplace Protection, Product Development
MassMutual

REBECCA WINTERS
Sr. Voluntary Product Manager
Voya

In this session, attendees will break into small groups to discuss current events, challenges and opportunities in the supplemental health industry.

Friday, August 6, 2021

11:00 a.m. - 12:00 p.m. - GENERAL SESSION 2

The Potential Impact of “Long COVID”

VINCE BODNAR, Moderator
Chief Actuary
Bain Capital Insurance

With broad vaccinations, the crisis of COVID appears to be nearing an end. But not for everyone. Some of those infected with COVID-19 never fully recovered. Scientists are studying post-acute sequelae of SARS-CoV-2 infection (PASC), also called “Long COVID.” This panel of experts will share the latest on this chronic condition, and what it might mean for the insurance industry.

Katherine Hempstead - Senior Policy Adviser, Robert Wood Johnson Foundation

Dave Rengachary, M.D. - Senior Vice President and Head of Underwriting, U.S. Mortality Markets, RGA Reinsurance Company

Susan C. Winckler, RPh, Esq. - Chief Executive Officer, Reagan-Udall Foundation for the FDA

12:00 p.m. - 12:30 p.m. - BREAK

12:30 p.m. - 1:30 p.m.: BREAKOUT SESSIONS

7.1 Actuarial Professionalism

DALE HALL, FSA, MAAA, CFA, CERA
Managing Director, Research
Society of Actuaries

ACHILLES NATSIS, FSA, MAAA
Health Research Actuary
Society of Actuaries

Join this interactive session and connect with your industry peers while reviewing and discussing the professionalism structure and requirements for U.S. actuaries.

7.2 Individual Disability Insurance Guaranteed Standard Issue 101

TAMMI ROBERTS
Director
Unum

DAVE STEINBRUNNER
Director, Assistant Actuary and GSI Underwriter
Ameritas Life

What is Individual Disability Insurance Guaranteed Standard Issue (GSI) and why is this an important benefit? Providing GSI coverage is a great solution for employers to supplement their LTD plans by covering a larger percentage of the employee’s income in the event of a disability. This session will provide a high-level overview of what GSI is for both voluntary and employer paid coverage and how GSI simplifies the underwriting process. Come and join us to learn more!

7.3 What’s New in LTC Underwriting?

AFIK GAL
Co-Founder and Chief Product Officer
Assured Allies

JOHN WATT
Assistant Vice President, Facultative Underwriting
Hannover Life Reassurance Company of America

REBECCA TIPTON, FSA, MAAA, Moderator
Director, Actuary, Health Insurance Products
Thrivent

It may sound trite, but change is the only constant and LTC underwriting is not immune. Attend this session to hear the latest. Will accelerated underwriting transform LTC as it has other insurance products? Can artificial intelligence improve the process? Are we even asking the right underwriting questions? What impact will the new administration have on health regulations? Bring your questions for our panel of experts.

7.4 Supplemental Health Regulatory Update

CINDY GOFF
Vice President, Supplemental Benefits and Group Insurance
ACLI

STACEY KORON
Principal and Compliance Consultant
Milliman

Join us for an update on state and federal regulations relevant to supplemental health products, followed by Q&A. We plan to discuss New Mexico’s extra-territorial requirements, loss ratio review requirements by states, and regulations on value adds, as well as other recent regulations.

1:30 p.m. - 2:00 p.m. - BREAK

2:00 p.m. - 3:00 p.m.: BREAKOUT SESSIONS

8.1 Actuarial Professionalism (Live replay of 7.1)

DALE HALL, FSA, MAAA, CFA, CERA
Managing Director, Research
Society of Actuaries

ACHILLES NATSIS, FSA, MAAA
Health Research Actuary
Society of Actuaries

Join this interactive session and connect with your industry peers while reviewing and discussing the professionalism structure and requirements for U.S. actuaries.

8.2 DI Underwriting — Unique and Emerging Occupations

KATHLEEN COUGHLIN, RHU
Head DI Underwriter, DI Risk Management and Governance
MassMutual

LYNN RATHBUN, FLMI, AVP
Disability Income Underwriting
Illinois Mutual

TERRY SCHUH, FLMI
Technical Underwriting Consultant
Northwestern Mutual

RICHARD DIXON, Moderator
AVP, Underwriting Services
Munich Re

Define the occupation, risk and current environment for unique and emerging occupations/industries. How do we underwrite them? (Examples: Marijuana and Social Media Industries)

8.3 It's An Open and Shut Case. Or is it?

JASON BUSHEY
Director of Actuarial and Reinsurance
LifeSecure Insurance Company

MATTHEW GATES
Consulting Actuary
UHAS, a Division of Risk Strategies

WINONA BERDINE, CLTC, LTCP, HIA, MHP, HCSA, Moderator
Vice President, Business Development
RGA

Listen in as industry experts discuss the pros and cons of creating an Open Enrollment season for LTCI. We will touch on distribution options, education, underwriting process and enrollment, and pricing.

8.4 2021 U.S. Critical Illness Market Survey Results and Analysis

KAYLA ROONEY
Supplemental Benefits Account Executive
GenRe

JOSEPH REFANO, Moderator
National Product Director
MetLife

Increase your overall knowledge on supplemental health trends with an informative session hosted by Gen Re on Critical Illness insurance. During this event, Gen Re will report on their 2021 market survey results and touch on trends based on both insight from carriers as well as internal research.  Whether you are considering developing a Critical Illness product or have been in this industry for years, be prepared to leave this event with a better understanding of the current and future state of this market.

3:00 p.m. - ADJOURN