Risk-Adjusted Estimation and Graduation of Transition Intensities for Disability and Long-Term Care Insurance: A Multi-State Model Approach

Risk-Adjusted Estimation and Graduation of Transition Intensities for Disability and Long-Term Care Insurance: A Multi-State Model Approach

This paper introduces a methodology for estimating transition intensities in a multi-state model for disability and long-term care insurance. We propose a novel framework that integrates observable risk factors, such as demographic (age and sex), lifestyle (smoking and exercise habits) and health-re...

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Bibliographic Details
Main Authors: Beatriz A. Curioso, Gracinda R. Guerreiro, Manuel L. Esquível
Format: Article
Language:English
Published: MDPI AG 2025-06-01
Series:Risks
Subjects:
multi-state models
long-term care
disability insurance
transition intensity approach
graduation
data simulation
Online Access:https://www.mdpi.com/2227-9091/13/7/124
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