2023 Supplemental Health, DI & LTC Conference Agenda

2023 Supplemental Health, DI & LTC Conference Digital Agenda

Wednesday, August 2, 2023

1:00 p.m. - 1:30 p.m. - MEET AND GREET

1:30 p.m. - 2:30 p.m. - GENERAL SESSION

Taking Diversity, Equity, and Inclusion to the Next Level

As the population becomes more diverse, carriers must understand the unique needs of various customer segments, provide products and services to meet those needs, reduce the potential for bias in actuarial data models, and communicate in a culturally competent way. In this panel discussion, industry experts will explore the impact of DEI on our industry from multiple perspectives.

Lacrecia Cade - President & CEO, What-If Collective

Pat Cieslak - Head of DI/LTC Claims, MassMutual

Neil Raden - Founder/Managing Partner, Hired Brains Research

2:30 p.m. - 2:45 p.m. - BREAK

2:45 p.m. - 3:45 p.m.: CONCURRENT SESSIONS

1.1 Creating Meaningful Mental Health Benefits

CHRISTIN KURETICH
Market and Strategy Consultant
Milliman

CHRISTIAN MAINGUY
Senior Global Consultant
Workplace Options

CASSIE MILLS, MS, LPC, LCDC, CRC
Healthy Working LifeConsultant
New York Life Group Benefit Solutions

DANAE GOLDSMITH, Moderator
Senior Director, Strategic Partnerships
Workplace Options

Attend this session for a panel discussion on the current state of mental health concerns and the impacts of mental health issues in the workplace. We will explore how the industry can create benefits and services that provide value to employees and employers.

1.2 Innovating LTC Products for Targeted Markets

CORRI CAMPBELL
National Sales Director
Mutual of Omaha Insurance Company

JEFF LEVIN
Vice President, Head of Care Solutions
OneAmerica

ERIK WENZEL
Senior Product Actuary
Assured Allies

VINCE BODNAR, ASA, MAAA, Moderator 
Chief Actuary & SVP of Insurance Solutions
TCARE Inc.

How is product innovation in the LTC and linked benefit space addressing emerging trends in the market? This session will cover up-and-coming trends and how to create products that target Millennials, Gen Zers, and the middle market.

1.3 Evolve With Epigenetics in DI, LTC, & CI Risk Assessment

ROBERT PHILIBERT, M.D., Ph.D.
Chief Medical Officer, Founder and CEO
Behavioral Diagnostics

MICHELLE PRIVETT
Assistant Vice President, Underwriting Risk Management
Munich Re Life US

LYNDA TURGEON, Moderator
Senior Market Research Analyst
Munich Re Life US

Elevate your risk assessment knowledge by attending this revolutionary session on epigenetics. Together, we’ll discuss the predictive value of epigenetic science in clinical and insurance medicine. You’ll leave with an understanding of how epigenetics captures the heart of the risk for disability insurance, LTC, and CI.

3:45 p.m. - 4:15 p.m. - BREAK

4:15 p.m. - 5:15 p.m.: CONCURRENT SESSIONS

2.1 What’s New in Disability Income Regulations

SUSAN CORONEL
Executive Director, Product Policy
AHIP

KAREN SCHUTTER
Executive Director
Interstate Insurance Compact

Attend this session to hear about recent developments in the regulatory environment and how they impact the current market.

2.2 Proactive Prevention of Fraudulent Supplemental Health Claims

SHERRI CONRAD
Senior Product Consultant
MetLife

JARED JONES
Director, Aflac Trust and Special Investigations Unit
Aflac

JOE REFANO, Moderator
National Product Director, Group Benefits
MetLife

Fraudulent claims are a constant that require monitoring and proactivity to catch and prevent. Find out what tactics some carriers are deploying to ensure that fraudulent claims are discovered and prevented. A panel of supplemental health claim professionals will provide their unique expertise on a widespread industry issue.

2.3 The Future of LTC Sales and Marketing

COURTNEY CRENSHAW
Corporate VP, LTC, IDI, Business Solutions
New York Life

RAMONA NEAL
President
Living Benefit Review

LARRY NISENSON
Chief Growth Officer
Assured Allies

VINCE BODNAR, ASA, MAAA, Moderator 
Chief Actuary & SVP of Insurance Solutions
TCARE Inc.

Sales and marketing continue to change as products, processes and distribution channels evolve.  In this session, four veterans of the LTC industry will discuss recent trends and share their views of the future state of sales and marketing and what it will take to see meaningful expansion.

5:30 p.m. - 6:45 p.m. - EVENING RECEPTION

Thursday, August 3, 2023

7:00 a.m. - 8:00 a.m. - BREAKFAST

8:00 a.m. - 9:15 a.m.: CONCURRENT SESSIONS

3.1 The Economic Impact on LTC Carriers

ROBERT EATON
Principal and Consulting Actuary
Milliman

KIRILL GRIN
Senior Actuarial Analyst
Illumifin

RACHEL KUDLER
Consultant, Actuarial Consulting
Oliver Wyman

ANDY SMITH
Co-Founder and CEO
Slope

 

Attend this session to hear insights into how long-term care insurers are reacting to the current elevated interest rate and inflationary environments. Carriers will share their experiences in:

  • Valuation and financial reporting
  • Pricing and product development
  • Premium rate increases

3.2 Mental Health Risk: Trends and Tips post COVID-19 and Beyond

LORAINE OMAN-GANES, M.D., FRCPC, CCMG, FACMG
Vice President, Medical Director
Gen Re

MIKE TURNER, Moderator
VP, Account Executive
General Re Corporation

We’ll explore:

  • Evolving trends in mental illness, comparing the US to global trends
  • The impact for your business, with a focus on disability insurance
  • Tips for underwriting and claims assessment
  • Future projections and challenges

3.3 Supplemental Health Leadership Roundtable: What Keeps You Up at Night?

SHEFALI DESAI
Head of MassMutual Worksite
MassMutual

DENNIS R. LECLAIR
SVP - Voluntary Benefit Distribution & National Account LAD Sales
Voya Financial ® Employee Benefits

PAUL MONTANARI
Chief Operating Officer
Allstate Benefits and Allstate Health Solutions

STEPHEN RING
Head of Supp. Health Sales
Reliance Matrix

Our leadership panel will discuss emerging industry opportunities, issues, and concerns facing supplemental benefit carriers.

9:15 a.m. - 9:45 a.m. - BREAK

9:45 a.m. - 10:45 a.m.: CONCURRENT SESSIONS

4.1 What Does the Future of Critical Illness Insurance Look Like?

BILL BADE
Consultant
Sydney Consulting

ALVIN HEGGIE
Head of Worksite Product New Business
MassMutual

DAVID HOXWORTH
Regional Vice President, Worksite Sales
Prosperity Group Benefits

KRISTEN WILLEY, Moderator
Lead Distribution Sales Consultant – Supplemental Health
Mutual of Omaha 

Critical Illness insurance products are rapidly evolving. Several carriers are developing their own versions of the product, all taking different approaches. Attend this session to discuss what the “new critical illness” product will look like and explore CI product innovation from the multiple perspectives of an industry consultant, sales rep, and carrier product executive.

4.2 International Long-Term Care

AFIK GAL
Assured Allies (Israel)

SONG-SONG LIAO
President
Song-Song & Associates LLC

VINCE BODNAR, ASA, MAAA, Moderator
Chief Actuary & SVP of Insurance Solutions
TCARE Inc.

This session will cover long-term care programs and/or insurance coverage from an international perspective.

4.3 Underwriting Unique and Emerging Occupations

MICHAEL ASH-DOLLOWITCH
Director and Chief Underwriter, IDI
The Standard

KATHLEEN COUGHLIN
Head of DI Underwriting
MassMutual

KAREN RUGG, Moderator
Head of Individual DI Underwriting
Berkshire Life

Define the occupation, risk, and current environment for unique and emerging occupations/industries. How do we underwrite them versus traditional occupations, and how can we get comfortable making offers to them?

4.4 New GAAP Accounting Standards

GREGORY MACKENZIE
Principal, Actuarial Consulting
Oliver Wyman

JACK PIZZO
Senior Manager, Actuarial Consulting
Oliver Wyman

Accounting Standards Update (ASU) 2018-12, Targeted Improvements for Long-Duration Contracts (LDTI), is now effective. This session will explore how the industry has been tackling the new standard, including considerations specific to individual disability and long-term care insurance, and look at two case studies examining unique blocks of business.

10:45 a.m. - 11:15 a.m. - BREAK

11:15 a.m. - 12:15 p.m.: CONCURRENT SESSIONS

5.1 Occupations Have Changed. Have We?

JODY ELMORE
Director, Risk Management, Underwriting
Munich Re Life US

RICHARD POLLARD
Head of DI Product, Pricing and Underwriting Policy
Guardian Life

DAVE STEINBRUNNER, ASA, MAAA, Moderator
Assistant Actuary and GSI Underwriter
Ameritas

What has changed with occupations? Why does it matter to our business? Join this session for a history of occupation classes in the disability income industry, why these classes matter, and the impact on pricing and underwriting decisions. Also, have you ever wondered why the industry has historically not insured certain occupations and the answer is “because it never has”?  We will further explore some occupations in the context of expanding insurability and answering this question in a more meaningful way.

5.2 Is the Great Resignation Over?

TONY PERRONE
Vice President, Talent Management
Northwestern Mutual

WES STEELE
Chief Executive Officer
Steele Benefit Services

MELISSA J. SULLIVAN
Director of Human Resources and Operations
Sullivan & Worcester LLP

KRISTEN WILLEY, Moderator
Lead Distribution Sales Consultant-Supplemental Health
Mutual of Omaha

Employee resignations and turnover have slowed down from the unprecedented levels seen during the pandemic. This panel of experts will discuss the status of the “Great Resignation” and the state of talent recruitment and retention amid the changing economic landscape.

5.3 Uncovering the Latest Critical Illness and Accident Insurance Findings

STEVE WOODS
Senior Vice President
Gen Re 

TERRY LUCAS, Moderator
Product Manager
Voya Financial

Increase your overall knowledge of supplemental health trends in this session on Gen Re’s critical illness and accident insurance 2022 market survey results. You’ll hear about key trends, based on both insight from carriers and internal research. Whether you are considering developing a critical illness or accident 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 the market.

5.4 Longevity Risks: Trouble and Opportunity

CHRIS BARTLEY, FSA, MAAA
Sr. Actuary
CNO Financial

WILL KETTERER
Obra Capital

DENNIS LU, FSA, FCIA, CERA  
Senior Manager
Oliver Wyman Inc.

This session will cover current trends in persistency and how LTC carriers manage their business according to these trends. It will also explore potential opportunities for new business strategies as other carriers and reinsurers find these longevity risks attractive.

12:15 p.m. - 1:15 p.m. - LUNCH

1:15 p.m. - 2:15 p.m.: CONCURRENT SESSIONS

6.1 Caregiving: What Does the Future Hold?

WINONA BERDINE 
Director
FTI Consulting

VINCE BODNAR, ASA, MAAA, Moderator
Chief Actuary & SVP of Insurance Solutions
TCARE Inc.

Hear from a panel of experts on the economics of caregiving, new senior living arrangements, CARE-BOTS, and more.

6.2 Facing Disability Income Claims Challenges

HOLLY CRAWFORD, FLMI, ALHC, ACS
Director, Individual Disability and Supplemental Health Claims
Mutual of Omaha

SOPHIA HORSMAN, HIA, DIA, ALHC, LTCP, HCAFA, DIF
Senior Disability Claims Consultant, IDI Claims
The Standard

KIMBERLY TOMASELLI, CPA, FLMI, ALHC, ARA
Assistant Vice President Claims
Munich Re Life US

TRAVIS TANGEMAN, Moderator
Product Director and Actuary
Mutual of Omaha

What are your biggest challenges in disability claims? Join this session to hear industry experts discuss factors to consider when adjudicating some of the more complex claims disability insurers face today.

6.3 The Latest on IDI Product and Innovation

KARL ANDERSON
Principal
Karl Anderson Consulting, Inc.

This session will provide an overview of key themes emerging in IDI product development, including new entrants, new product types, and a changing landscape for existing products.

6.4 Supplemental Health Regulatory Update

RIKKI PELTA
Counsel
ACLI

HUNTER SEXTON, JD, MHA
Compliance Consultant
Sydney Consulting Group 

JULIE POHJOLA, Moderator
Solution Enablement Lead
Cigna

Join us for an update on state and federal regulations relevant to supplemental health products, followed by a consultant’s view of the filing landscape.

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

2:45 p.m. - 4:00 p.m.: CONCURRENT SESSIONS

7.1 Supplemental Health Buzz Group

ASHLEE BORCAN, FSA, MAAA, Moderator
Principal and Consulting Actuary
Milliman

TERRY LUCAS, Moderator
Product Manager
Voya Financial

TAYLOR MCKINNON, Moderator
Compliance Consultant
Milliman

JULIE POHJOLA, Moderator
Solution Enablement Lead
Cigna

JOE REFANO, Moderator
National Product Director, Group Benefits
MetLife

Attend this session for small group discussions on various hot topics in the supplemental health space. Groups will report their findings to the full group at the end. You’ll gain insights into the latest challenges and opportunities directly from your peers.

7.2 LTC Consumer Focus Group

ELIZABETH CASWELL
Director, Markets Research
LIMRA

VINCE BODNAR, ASA, MAAA, Moderator
Chief Actuary & SVP of Insurance Solutions
TCARE Inc.

Experience a live consumer focus group react to and discuss the costs of LTC, how they plan to deal with long-term-care in financial planning, and LTC insurance products.

7.3 DI Hot Topics

KATHLEEN COUGHLIN
Head of DI Underwriting
MassMutual

KAREN RUGG
Head of Individual DI Underwriting
Guardian/Berkshire Life

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

4:00 p.m. - 4:15 p.m. - BREAK

4:15 p.m. - 5:30 p.m. - GENERAL SESSION

The Engaged, Evolved, and Elevated Consumer: Mastering Next-Level Strategies to Transform Today's Insurance Industry

In today's rapidly evolving marketplace, customer expectations have soared to unprecedented heights, leaving many businesses scrambling to keep up. On top of that, it's not just Millennials and Gen Z demanding more; every generation and demographic group is redefining their requirements for the modern workplace and marketplace. Insurance leaders must find ways for their businesses to adapt and evolve in order to stay afloat or risk being left behind within the next 12 to 18 months.

Join Paul Moya, renowned global business strategy expert and CEO of Millennial Labs, as he delves into the heart of this monumental shift during his dynamic, high-energy keynote presentation. Paul will uncover the latest industry trends, challenges, and data-driven opportunities for enhancing customer engagement, retention, and overall satisfaction.

But that's not all. He'll also reveal the most prevalent pitfalls that companies often stumble into and provide actionable insights for catapulting your people, products, and profits to new heights.

Prepare for an engaging, interactive experience as Paul invites attendees to come prepared to share their burning questions and greatest frustrations, opening the floor for questions and sparking a spirited dialogue. Don't miss this chance to learn, connect, and supercharge your business strategy for the ever-changing landscape of customer expectations and marketplace competition.

Paul Moya - Founder & Chief Executive Officer, Millennial Labs

Friday, August 4, 2023

7:00 a.m. - 8:00 a.m. - BREAKFAST

Breakfast/Actuarial Professionalism

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

 

This session will focus on professionalism case studies that deal with key scenarios and touch on the code of conduct. The discussion will also include updates on the Actuarial Standards of Practice (ASOPs) and any changes in CE requirements.

8:00 a.m. - 9:00 a.m. - GENERAL SESSION

Choosing Success

Have you ever seen a “walking quadriplegic”? Meet Abby Stephens. In 1996, just one week before her wedding, she was in a car accident that left her paralyzed from the neck down. Doctors said she would never walk again, but with unwavering faith, determination, and a positive attitude, she took her first steps just three months later. This was not the first, nor last, difficult challenge in Abby’s life.

As an inspirational keynote speaker and entertainer, Abby has been WALKING on stages for over two decades, bringing with her a natural performing and story-telling ability that inspires others to make the choices that will bring them joy and success in every aspect of life. Her compassion for others is demonstrated with engaging heart and humor while teaching her audiences how to find new ways to reach their goals when life throws all its crazy twists and turns.

Abby Stephens - Inspirational Keynote Speaker and Entertainer

9:00 a.m. - 9:30 a.m. - BREAK

9:30 a.m. - 10:30 a.m.: CONCURRENT SESSIONS

8.1 The Keys to Efficient DI Underwriting

TERRY SCHUH
Assistant Director DI Underwriting
Northwestern Mutual

ELAINE STEELE
Director, Digital Operations - DI New Business & Underwriting
Mass Mutual

KATHLEEN COUGHLIN, Moderator
Head of DI Underwriting
MassMutual

DI underwriters work in a fast-paced production environment under demanding time constraints. Carriers have more tools in the underwriting toolbox than ever, and interactions have become less personal. This session will explore how DI underwriters can ensure they are using the right tools and tactics for an accurate risk assessment in a timely manner.

8.2 Digitalize It!

DAVID GONZALEZ
Director of Carrier Growth
Ideon

KEEGAN KENFIELD
Chief Operations Officer
CloudBind Insurance

JODI OSTENDORF
Senior Digital Customer Experience Owner
New York Life Insurance Company

KATHERINE CLUTTER, Moderator
Actuarial Analyst II
Combined Insurance

Join us for a panel discussion on how the supplemental health insurance industry is digitalizing its products and customer experiences to better connect with today’s workforce.

8.3 Fraud and Fraud Prevention In Long Term Care

REINALDO CARVAJAL
SIU Director
Genworth

SHARI MUELLER
AD Special Investigation Unit
Northwestern Mutual

STEVE WOODS, Moderator
Senior Vice President
Gen Re

Come listen to a panel of experts as they discuss current and future fraud identification and prevention methods.

10:30 a.m. - ADJOURN