Thought Leadership

2017 Long Term Care Actuarial Benchmark Report

Aon/AHCA 2017 Long Term Care General Liability and Professional
Liability Actuarial Analysis

Aon/AHCA report: severity, frequency of claims to increase for
long term care providers in 2018

The Aon/AHCA 2017 Long Term Care General Liability and Professional Liability Actuarial Analysis reports increasing liability costs for the Long Term Care profession.

Now in its 15th edition, the Long Term Care Actuarial Analysis provides estimates of loss rates, or the cost of liability to skilled nursing care centers on a per-bed basis. The projected national 2018 loss rate, which is a combination of claim severity and frequency, is expected to increase to $2,450 per occupied bed. This means that a nursing center with 100 occupied beds can expect approximately $245,000 in liability expenses in 2018.

Aon Long Term Care Benchmark Reports
Aon publishes the Professional and General Liability Benchmark for Long Term Care Providers annually. 2017 was the 15th edition of our report. In 2017, we analyzed and published frequency, severity and loss rate statistics at a countrywide level and for 16 states where we had sufficient data. The 2017 report covered more than 211,000 occupied beds or about 16% of the US exposure. Please contact the following people if you need more information or a copy of the 2017 benchmark report.

Kanika Vats, FCAS, MAAA, MBA

Christian Coleianne, FCAS, MAAA

The data call for the 2018 benchmark is now open. If you’d like to participate in our benchmark please visit the 2018 Data Call web page.

Read the press release.

Approximately 18,300 individual non-zero claims from long term care facilities were aggregated. The 28 providers represented in the national study operate approximately 211,200 long term care beds, consisting of skilled nursing facility beds and a number of independent living, assisted living, home health care and rehabilitation beds. They represent approximately 16 percent of the beds in the United States.

Note to editors An abstract of the report and graphics illustrating results from the 2017 Aon/AHCA Long Term Care General Liability and Professional Liability Actuarial Analysis are available upon request.

About AHCA/NCAL The American Health Care Association and National Center for Assisted Living (AHCA/NCAL) represents more than 12,000 non-profit and proprietary skilled nursing centers, assisted living communities, sub-acute centers and homes for individuals with intellectual and development disabilities. By delivering solutions for quality care, AHCA/NCAL aims to improve the lives of the millions of frail, elderly and individuals with disabilities who receive long term or post-acute care in our member facilities each day. For more information, please visit or