Aged-Care Support In Japan : Perspectives And Challenges 
by Olivia S. Mitchell, John Piggott and Satoshi Shimizutani
This article explores economic aspects of the market for long-term care (LTC) in Japan. As the world's most rapidly aging nation, it is of interest to understand that country's current LTC system and projections of LTC utilization patterns and costs, as well as their potential drivers. Since Japan appears likely to experience important shortfalls in LTC in the future, the authors also discuss alternate forms of provision.
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Culture, Infrastructure And International Health Benefits Delivery
by Allen Koski, CEBS
When selecting a health insurance carrier for international employees, it is advantageous to recognize that valid assumptions made when selecting domestic benefits simply do not apply in the international realm and can lead to costly errors. This article examines some scenarios and cultural anomalies that invalidate commonly accepted domestic health insurance practices. It explores strategies for simplifying benefit design, providing access to quality care abroad, assessing costs, minimizing overseas risks and understanding the cultural impact on health care delivery.
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The Employer's Case For Health Management
by Christopher H. Coulter, CEBS
Employers' past solutions to rising health benefit costs—adopting managed care strategies, cost shifting to employees and reducing benefits—are no longer effectively controlling costs and are depressing the value of health benefits for employee recruitment and retention. An alternative strategy is to implement health management approaches that improve the health status of employees. These programs reduce medical costs and have a documented positive impact on workers' compensation, disability costs, absenteeism and productivity. Further, this approach is complementary to health care consumerism as a strategy for health improvement and benefit cost reduction and results in improved employee health, outlook and satisfaction.
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Manufacturing Firms' Decisions Regarding Retiree Health Insurance
by Patricia H. Born and Alice M. Zawacki
The trend for employers to discontinue offering retiree health insurance has profound implications for a large and growing share of the U.S. older population. The authors explore factors related to the firm's decision to offer and contribute to retiree health insurance using data from manufacturing firms. Their findings indicate that while firm characteristics, such as size and age, affect the probability that a firm offers retiree health insurance, employer contributions to this benefit are significantly related to the firm's financial performance and the alternative insurance options available in the market.The article concludes with a brief discussion of policy-related measures with potentially important implications for the future of retiree health benefits.
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Employers' Liability Risk For Managed Care Injuries
by Mark A. Hall
Concerns about employer liability are a major public policy barrier to expanding tort liability for managed health care organizations. To evaluate the extent of these legal concerns, interviews were conducted with key informants, selected to represent a range of legal and demographic characteristics nationwide. These subjects reported a low level of existing concern about liability arising from managed health care, and few indicated that an increase in this threat would likely cause them to drop health benefits. Instead, most said employers would take a wait-and-see approach to theoretical liability threats and would consider responses short of dropping coverage, such as switching to fully insured health benefits, or from
defined benefits to defined contributions.
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