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Joe Neary

FSA, MAAA
Actuary
Eden Prairie, MN, US

Joe Neary is an actuary with the Minneapolis office of Milliman. He joined the firm in 2016.

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Experience

Prior to joining Milliman in June 2016, Joe graduated from the University of Minnesota where he majored in Mathematics and minored in Statistics and Economics.

Since joining Milliman, Joe's primary area of concentration has been long-term care insurance. He has assisted clients with in-force management, including state insurance department rate filings (both pre- and post-rate stability regulation), financial projections, experience analyses, and compliance issues. Joe's experience comprises both individual and group blocks of business.

Publications

Read their latest work

Article

Long-Term Care Focus: Q4 2025

10 December 2025 - by Mike Bergerson, Robert Eaton, Nicole Gaspar, Jordan Olds, Joe Neary, Juliet Spector, Jeff Anderson, Anders Hendrickson, Joe Long, Annie Gunnlaugsson, Fiona Ng, Lucy Ouyang, James Stoltzfus
In this issue, we highlight key initiatives, research, and upcoming studies from Milliman’s LTC consultants, including enhancements to our LARA platform, the impact of post-pandemic experience on LTC insurance, and the next iteration of our Milliman Long-Term Care Guidelines (Guidelines).
Article

Long-Term Care Focus: Q2 2025

11 July 2025 - by Juliet Spector, Mike Bergerson, Robert Eaton, Joe Neary, Courtney Williamson, Jeff Anderson, Jeremy Hamilton, Andrew Duxbury, Bryan Rask, Annie Gunnlaugsson
This Long-Term Care (LTC) Focus newsletter showcases some of the projects that Milliman LTC consultants are working on now.
Article

Long-Term Care Focus: Q1 2025

17 February 2025 - by Juliet Spector, Mike Bergerson, Robert Eaton, Joe Neary, Courtney Williamson, Jeff Anderson, Jeremy Hamilton, Andrew Duxbury, Bryan Rask, Annie Gunnlaugsson
This Long-Term Care (LTC) Focus newsletter showcases some of the projects that Milliman LTC consultants are working on now.
Article

長期介護フォーカス：2025年第1四半期

17 February 2025 - by Juliet Spector, Mike Bergerson, Robert Eaton, Joe Neary, Courtney Williamson, Jeff Anderson, Jeremy Hamilton, Andrew Duxbury, Bryan Rask, Annie Gunnlaugsson
本四半期号のフォーカス・ニュースレターでは、ミリマンの長期介護（LTC）のコンサルタントが現在取り組んでいるプロジェクトについて紹介します。
Article

長期介護フォーカス：2024年第3四半期

11 September 2024 - by Juliet Spector, Annie Gunnlaugsson, Robert Eaton, Mike Bergerson, Joe Neary, Evan Pollock, Courtney Williamson, Randy Beams, Susan Knutson
本四半期号のフォーカス・ニュースレターでは、ミリマンの長期介護（LTC）のコンサルタントが現在取り組んでいるプロジェクトについて紹介します。
Article

Long-Term Care Focus: Q3 2024

11 September 2024 - by Juliet Spector, Annie Gunnlaugsson, Robert Eaton, Mike Bergerson, Joe Neary, Evan Pollock, Courtney Williamson, Randy Beams, Susan Knutson
In our third quarter 2024 Long-Term Care (LTC) Focus newsletter, we showcase some of the projects that Milliman LTC consultants are working on now.
Article

Impacts and considerations of statistical bias in LTC due to benefit reductions

31 August 2024 - by Jeff Anderson, Joe Neary, Courtney Williamson
When developing assumptions and analyzing experience on blocks of long-term care insurance business, actuaries to consider the impact of benefit reductions.
Article

Coinsurance for Long-term Care: Another viable benefit reduction option for rate increases?

16 June 2022 - by Joe Neary, Courtney Williamson
As an LTC benefit reduction option, coinsurance could allow for maximum coverage, reduce the impact of a rate increase and lower liability for the insurer.
Article

LTCの共同保険：料率上昇に対する実行可能な給付金削減オプションか？

16 June 2022 - by Joe Neary, Courtney Williamson
LTC給付金削減オプションの一つとして、共同保険が最大限の保障を可能にし、料率引き上げの影響を減らし、保険会社の負債を低下させる可能性があります。