Longevity risk in retirement has always been a serious concern, in that it is part of the ensemble of risks in planning for retirement readiness. In turn, retirement readiness is closely linked to the three critical aspects of retirement: funding, investment returns, and withdrawal of one’s retirement assets.
This paper will examine some of the most important changes in the commercial health insurance market during 2015, using data from the S&P Healthcare Claims Indices.
In October 2013, S&P Dow Jones Indices (S&P DJI) launched the S&P Healthcare Claims Indices (the indices). This new index series is designed to provide an independent, timely measure of the changes in healthcare expenditures and utilization for individuals enrolled in commercial health insurance plans in the United States.
Anyone who’s ever read a prospectus knows that “past performance is no guarantee of future results.” The sentence has almost assumed the status of a cliché, but one of the less-appreciated properties of clichés is that they’re true.