2022 Supplemental Health, DI & LTC Conference

With new regulations and approaches to healthcare systems and delivery being considered, this session will highlight how supplemental health, DI and LTC products may be impacted by federal and state activities. The potential topics that will be discussed by our panel include:

• A look at the evolving role of data privacy regulations for life and health insurers
• Trends in regulations that may impact the cost and utilization of healthcare
• A forward look at what the remainder of 2022 looks like for government decisions in healthcare for the COVID pandemic
• What to be aware of with this year’s mid-term elections and the future

Panelists will discuss what made LTC so successful during its golden age in the 1990s. Topics will include group LTC, distribution, product innovation, and actuarial perspectives. What would it take to replicate this success three decades later?

As an industry, how do we attract, develop, and retain new DI underwriting talent? This discussion will also include teaching underwriters the art and science of underwriting while developing them for the world of new tools, data analytics, and automated underwriting.

How well do we truly understand the products and benefits in the supplemental health market space? Do we feel like our supplemental health plans align with the customer’s medical experience? The objective of this session isn’t to review claims, it’s to have an honest discussion on developing products that pay claims in alignment with an insured’s medical experience. Join us for a panel discussion to level set and gain insight on building supplemental health products and solutions with a focus on the customer experience.

Join us for a panel discussion on how the supplemental health insurance industry has adapted to configuring COVID into our everyday business practices, including pricing new products, anticipating claims, marketing benefit features, and more!

Historically, those with HIV infection have encountered significant morbidity and diminished life expectancy. However, the effective treatments now available have markedly altered those outcomes for many. Join us to review the most current research around HIV as we take a look at the potential disability risk of persons living with HIV infection and at the factors which influence that risk.

Everywhere we turn there is conversation regarding inequity and disparity in the U.S as it relates to health and wellbeing. All too often, a person’s gender, race, education, income, or ZIP code dictates how healthy they are. In the first part of this session, Cigna's Medical Director will present on what Cigna is seeing in terms of health, equity, and disparities for those living in areas impacted by Social Determinants of Health (SDoH) and the interplay between SDoH and racial health disparities. In the panel discussion following, we will discuss what carriers can do to address these issues and the impact these issues have on supplemental health products.

There are many states looking at developing public long-term care programs of their own. What is the latest update? What are ways the private long-term care industry can benefit from these public programs?

Prior to the COVID-19 pandemic, carriers were feverishly introducing strategies to support their multi-year roadmaps. And overnight it all changed. Consumers and businesses began to shelter in place and in-person meetings, as we knew them, became a thing of the past. For those of us in Product, Actuarial, Underwriting, and Marketing, we’ve adapted with Teams and Zoom. It’s been a different story for Distribution and Sales. Traditionally, we have succeeded through strong interpersonal and networking skills. There’s discussion that this will matter less as the pandemic rages on with new variants, despite vaccines and boosters, and tomorrow’s sales reps will need to be comfortable with customer-relationship management (CRM) systems, and we will need to demonstrate how our products can benefit our customers. But, is this really feasible? Join us as we discuss the value of today's and tomorrow’s insurance rep/broker/buyer relationship, how carriers and intermediaries must partner, and direct distribution platforms.

Increase your overall knowledge on supplemental health trends with an informative session hosted by Gen Re on Critical Illness and Accident insurance. During this event, Gen Re will report on their 2021 market survey results and touch on trends based on insight from carriers as well as 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 this market.

Perspectives on LTC Projection Assumptions: Discussion around (1) sources of data, (2) method for identifying assumptions, (3) methods for testing sensitivity of assumptions, and (4) monitoring assumptions including process and frequency. Emphasis is expected to be on (2) identifying assumptions given all the particular assumptions that are part of stand-alone and combination LTCI projections.

COVID, remote employment, high inflation, high turnover — what does it all mean for Disability Insurance? Is it here to stay?

Join us for an executive roundtable discussion on the changes DI faces in underwriting and product development for new medical, financial, and occupational risks. How does the DI industry get ready for the future?

This session will explore the impact of inflation on the cost of LTC services and how that will ultimately flow to policyholder benefits. The speakers will address considerations when setting short and long term views of the cost of care.

Providing disability income coverage on a GSI basis is a great way for employers to supplement their LTD plans by covering a larger percentage of an employee’s income in the event of a disability. This session will address some of the unique challenges that employers and insurers both face when providing such coverage on a voluntary and employer paid basis. Come and join us to learn more!

Companies have been forced to re-evaluate how to recruit and retain talent in the wake of record employee resignations and turnover. This panel of HR and Benefits experts will discuss how companies are addressing the war for talent from multiple perspectives, the strategies employed by different organizations, and some of the differences between industries.

The struggle is real in how employees perceive Voluntary Benefits in the market. In a lot of situations, perception is reality. Enrolling for coverage is one thing, but feeling the value and driving a positive experience is another. Join this session to obtain a better understanding of how employees interpret Voluntary Benefits. Research and a panel discussion will touch on the critical points to improve the employee view.

Come hear from two industry sales veterans on how the landscape is changing for the distribution of Individual Disability.

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

The 2021 conference took a deep dive into claims automation — learn how the journey is progressing. In addition, this session will discuss current trends and best practices for Supplemental Health claims.

This session aims to address three important questions when it comes to LTC wellness programs:

• What are the differences between pre-claim, at claim, and on claim wellness programs?
• What types of solutions are being offered or considered?
• How will you measure impact?

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

LTC combination products have experienced strong growth in recent years, with many changes in product design. Our panelists will discuss the various product designs and current design trends. They will also discuss marketing best practices and ways the industry can address the confusion agents and consumers have in understanding combination products.

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

The COVID lockdown pushed us several years into the future, in terms of both telehealth and virtual work.  But that’s just the start: the remainder of the decade will see continuing improvement in new processes, software, and technology that could both lower costs and improve outcomes.  How can management avoid pitfalls and make the best of these new challenges and opportunities?  

Breakfast is available for those who are not attending the Actuarial Professionalism (Breakfast Session).

Join this fun and creative interactive session and connect with industry peers. Participants will have a chance to get reacquainted with some key tenets of Actuarial Professionalism while also discussing the appropriate courses of action when confronted with “real life” scenarios. An exciting mix of different approaches will keep participants on their toes while they earn required professionalism continuing education credits.

Long-term remote and hybrid work environments, blurring lines between personal and professional lives, a rise in retirements, and Generation Z’s entrance into the workforce are transforming the insurance industry’s employment landscape and reshaping the future of work. With competition for talent at an all-time high and the Great Reshuffle permeating the industry, insurers must infuse new tactics into traditional recruitment and retention strategies in order to attract, develop and build a bench of loyal employees. To appeal to a more expansive and diverse talent pool, insurers are recruiting for skills, not experience, and conveying an authentic employer brand that resonates with seasoned professionals and emerging talent alike. Meanwhile, savvy leaders are identifying high potential employees and creating individualized retention and development plans to increase engagement and retention.

Hear from a panel of experts from companies that have piloted Aging in Place services and technology with LTC insurance companies. What has gone well? What hasn’t? What have we learned so far? What looks promising?

When a new underwriting tool makes its debut on the market, it’s hard to know if it’s a passing novelty or an innovation with staying power. Smart carriers and reinsurers (and even the vendors themselves) take a thorough approach to evaluating its pragmatic application before implementing. In this session, we will hear how Guardian Life revolutionized their underwriting process in early 2020 leveraging medical claims data in underwriting. The session will include a moderated discussions of the rigorous process Guardian Life engaged in for evaluating and productionalizing claims billing data.

Carriers have often focused on increasing wellness benefit utilization to increase the overall value that Supplemental Health products provide, but how is this accomplished?  Which approaches have been successful and which ones not so much?  In this interactive session, we will be discussing various strategies that have been tried to increase wellness utilization, the pros and cons of each, and the results that these approaches have had.   

Come listen to an update on how sales to the middle market are progressing as well as an update on the tools being used to market, enroll, and administer to these individuals.

Join us for an update on state and federal regulations relevant to supplemental health products, followed by Q&A.

A panel of long-term care providers will discuss the impacts that COVID-19 has had on their industry, covering the clinical, financial, staffing, and other aspects of the business.

Join this fun and creative interactive session and connect with industry peers. Participants will have a chance to get reacquainted with some key tenets of Actuarial Professionalism while also discussing the appropriate courses of action when confronted with “real life” scenarios. An exciting mix of different approaches will keep participants on their toes while they earn required professionalism continuing education credits.