Issued by the American Association of Retired Persons (AARP) Public Policy Institute, this report explores the inadequacies of the state government's review process of long-term care insurance premiums, and offers recommendations to remedy these problems. Authors Steven Lutzky, Lisa Maria B. Alecxih, and Ryan Foreman of the Lewin Group suggest that states require premium reviews by an actuary with training in long-term care insurance, review the process used to set the premiums, and offer consumers comparative rate guides as well as information regarding insurance companies' rate increase histories. The entire report can be downloaded in Adobe Acrobat (.pdf) format. This report is not easily readable online; therefore, printing the report is recommended.