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Al’s area of expertise is senior healthcare products, with a primary focus on long-term care (LTC) insurance. He has worked with most of the major LTC insurance carriers in the United States, assisting with product development, financial projections, appraisals, compliance issues, and experience analysis.
Al is an expert witness on issues relating to rating, underwriting, and financial projections. He has also testified before the United States Congress on actuarial implications of the CLASS Act—the LTC reform provision in the Patient Protection and Affordable Care Act.
Al is also involved in LTC on the international front, working with Milliman’s Hong Kong office on projects in Singapore and Japan. In addition, Al leads the International Actuarial Association LTC topic team.
Al has assisted clients with Medicare bid preparation and Medicaid LTC rate analysis. He has also worked with various healthcare reform projects and initiatives that examine innovative approaches to healthcare financing.
Prior to joining Milliman, Al worked for eight years at an insurance company in life insurance and LTC product development.
Al has written numerous articles for the Society of Actuaries, Milliman, and other publications. He is a frequent speaker at industry meetings.
He is a co-author of the LTC insurance Study Note that is used by the Society of Actuaries Education and Examination Committee as required reading for its Design and Pricing Exam.