2024年高级生活和长期护理提供者的一般和专业责任基准报告

2024 GENERAL ANDPROFESSIONAL LIABILITYBENCHMARK REPORT For senior living and long-term care providers September 2024 Contents Introduction ............................................................................................................................. 1Scope…….. .........................................................................................................................................................1Oliver Wyman & Marsh............................................................................................................. 2About Oliver Wyman.........................................................................................................................................2About Marsh .....................................................................................................................................................2Executive Summary................................................................................................................... 3Background .......................................................................................................................................................3Data………...........................................................................................................................................................3Senior Living: Countrywide Findings .................................................................................................................5Long-Term Care: Countrywide Findings............................................................................................................7Senior Living: Cost Comparison.........................................................................................................................9Inflation……........................................................................................................................................................91.COVID-19 Pandemic Claims....................................................................................... 112.Senior Living Indemnity and Expense Statistics ......................................................... 123.Long-Term Care Indemnity and Expense Statistics..................................................... 154.Claim Costs by Close Lag ........................................................................................... 175.Large Loss Activity .................................................................................................... 186.Senior Living Cause of Loss ....................................................................................... 197.Long-Term Care Cause of Loss................................................................................... 228.Senior Living State-Specific Statistics ........................................................................ 258.1.State Comparison...........................................................................................................................258.2.California ........................................................................................................................................278.3.Florida.............................................................................................................................................298.4.Illinois .............................................................................................................................................318.5.New York ........................................................................................................................................338.6.Pennsylvania...................................................................................................................................358.7.Texas……………………………………………………………………………………………………………………………. ............379.Long-Term Care State-Specific Statistics.................................................................... 399.1.State Comparison...........................................................................................................................399.2.California ........................................................................................................................................41 9.3.Colorado .........................................................................................................................................439.4.Connecticut ....................................................................................................................................45 9.5.Florida.............................................................................................................................................479.6.Georgia ...........................................................................................................................................499.7.Kentucky.....................................................................................................