July 2018 Issue
   Use Private Placement To Open Doors
      Charles L. Arnold
   Expenses Matter
      Karl Kreunen
   All Guarantees Are Not Created Equal
      Luke Cosme
General Interest
   Point-Of-Need Care Funding...The Journey Continues
      Barry J. Fisher
Marketing Update
   Recurring Premium Products Fuel Continued Growth Of Asset-Based Long Term Care Products
      Dennis Martin
Special Insert
   2018 Milliman LTCI Survey
      Claude Thau
Monthly Commentary
   Impaired Risk Review...
   Idiopathic Pulmonary Fibrosis
      Robert Goldstone, MD, FACE, FLMI
   The Benefits Brief...
   Hot Tips For HSAs
      Janet LeTourneau, ACFCI
   Disability Insurance Insights..
   Disability Insurance: Insuring Peace Of Mind
      Eugene Cohen
   Economic Behavior...
   Unintended Consequences And Magical Numbers
      Jack Marrion
   The Last Word On LTCI...
      Ronald R. Hagelman Jr., CLTC, CSA, LTCP
The Cover
       Cover Artist: David Howard

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