PROGRAM AGENDA 2011
MAY 4th –6th, 2011, ALBUQUERQUE, NEW MEXICO
WEDNESDAY MAY 4th – click on Speaker name to view bio
Registration
Time
1:00pm – 5:00pm
Speaker
Early Bird- Underwriting
3:00pm- 5:00pm
This is an open forum that
includes topics of interest
for underwriting.
Margaret Czellecz,
Lifeplans
Early Bird - Claims
3:00pm – 5:00pm
This is an open forum that
includes topics of interest
for claims.
Juanita Calahan,
New York Life LTC
Welcome Reception/Dinner
6:00pm - 9:00pm
THURSDAY MAY 5th
SESSIONS
President’s Welcome
TIME
8:00am – 8:15am
Session Description
Speaker(s)
Stephen Serfass,
Drinker, Biddle, and
Reath, LLC
“Oh My Aching Back”
Back disorders are quite
common among all ages
with varies symptoms,
treatments, and recovery.
What are the considerations
for both LTCI underwriting
and claims?
8:15am – 9:45am
Underwriting Disorders
of the Spine and taking
appropriate risks
• Common back
disorders of LTCI
underwriting
concern
• Types of
treatments
• Determining LTCI
insurability
LTCI Claims Experience
for Disorders of the
Spine
• Characteristics of
the LTCI claim
database used in
this analysis
• Characteristics of
Dr. Deborah Van
Dommelen,
Northwestern Mutual
and Dr. Stephen
Holland, Univita
Health
•
•
•
•
Break
9:45am –
10:00am
“LTC Underwriting to
10:00amClaims – Objects in the
11:00am
rear view mirror are not
always as they may
appear”
We may wonder at the time
of claim, just how this
person was approved by the
underwriter. We will get an
opportunity to understand
both perspectives
•
•
•
•
“Market Conduct Exams”
Unravel the mystery of
Market Conduct
Examinations: why they are
performed and what role
ERM (Enterprise Risk
Management) is playing in
today's exams.
those claiming for
disorders of the
spine
Significant
comorbidity
Claims duration
and expenditures
(open and closed)
Opportunities for
recovery
Intervention
strategies
11:00am –
12:00 noon
An interactive panel
discussion in
review of case
studies connecting
underwriting
determinations to
claims
administration
High risk yet
favorable factors at
underwriting that
lead to claims risk
administration
Risk factors on
both sides that
make it reasonable
yet very real
Market Conduct
Examinations:
• What are they?
• Why are they
done?
• What can a
company learn
from preparing for
them?
• What is ERM
(Enterprise Risk
Management) and
what role is it
playing in today's
market conduct
exams?
• Success strategies
/ best practices
Pam Kreager, Univita
Health, Joann
Masters, Metlife
Angela Hoteling,
Compliance Officer,
MedAmerica and
Mike Rafalko,
Drinker, Biddle &
Reath, LLP
LUNCH
12:00 – 1:00pm
“ LTC Future Challenges
and Solutions”
Come listen to two experts
share information on the
exploration of the hopes,
worries, and needs of
families impacted by a
family
member’s need for long
term care.
1:00pm- 2:00pm
“Long Term Care Claims:
Past and Future”
This presentation will
address what we have
observed in existing long
term care claims and how
we expect future long term
care claims to emerge.
2:00pm – 3:00pm
• People greatly
underestimate the
impact that a family
member’s long term
care needs have on
their own lives; their
marriages, work
commitments, care
giving abilities,
financial stability
and future financial
security.
• Claims associates’
awareness and
understanding of
the impact of a long
term care event on
not only the Insured
but their families
and friends creates
compassion which
is at the heart of
providing greater
Claims service.
•
•
•
•
•
BREAK
3:00pm – 3:15pm
"ABANDON HOPE ALL YE
WHO ENTER HERE”,
This interactive session is
designed to equip you, the
3:15pm – 4:30pm
•
What is a typical
duration of claim?
How many
policyholders will
exhaust their
benefit period, and
how much time will
they have left?
What are the top 3
claim events –
frequency vs. cost?
What are existing
problems with
coding Long Term
Care claims?
What are the
projections and
expectations as the
US population ages
The phrase once
identified by Dante
as being inscribed
Kathy O’Brien, R.N.,
M.S. Senior
Gerontologist, Mature
Market Institute,
MetLife and Janet
Gale, Marketing,
Genworth
Juliet Spector, FSA,
MAAA, Consulting
Actuary, Milliman
Mike Rafalko,
Drinker, Biddle &
Reath, LLC, Peter
Smalbach, Genworth
underwriter and claims
professional, with the most
important rules you can
implement to avoid a lawsuit
and to mitigate the harm to
your company in the event
that an action is filed.
•
•
•
•
FRIDAY May 6th
Breakfast
7:30am – 8:25am
on the gates of hell,
might just as
appropriately
appear on the
doors of our
modern
courthouses -- at
least from the
perspective of an
insurance carrier
Insurance carriers
have never been
popular defendants
LTCI carriers, with
their aged and
infirm client base,
represent a
particularly
vulnerable target
from the
perspective of an
opportunistic
plaintiff attorney
The LTCI carrier's
best defense is
often the
preventative
measures it
implements to
avoid litigation long
before a legal
action is ever filed
And few employees
are better situated
to influence the
outcome of a legal
dispute than those
in underwriting and
claims
and Karen Smyth,
Prudential
“COPD And Other Lung
Disorders”
This is an educational
session to better
understand respiratory
disorders
8:30am – 9:30am
•
•
BREAK
9:30am-9:45am
“Communicating with
agents”
An interactive session with
a focus on maximizing
communication, education,
and training for agents
9:45am –
11:00am
•
•
•
Wrap-up
11:00am
11:30am
-
COPD as well as
other frequentlyencountered lung
conditions (e.g.
bronchiectasis,
pulmonary nodules
etc.) are common
with LTCI.
The latest
developments with
respect to
diagnostics,
treatment,
prognosis and
morbidity
implications
associated with
respiratory
conditions.
Define ‘people
styles’ in
communication
Objective is an
ease of doing
business with the
agents and
company
Presenting
sensitive matters
especially related
to declines.
Dr. Trevor Rabie
M.D, Intercede
Health
Rob Brown, Mass
Mutual
Ann-Marie Salmon,
Mass Mutual,
Elizabeth Roberge,
Mass Mutual,
Jim Barrett,
Underwriting Assist
Demerri Bond,
Mutual of Omaha