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“It’s a tremendous opportunity that has pretty specific challenges,” said Brendan Gallagher, who heads the senior care business at insurance broker Arthur J. Gallagher & Co. (AJG.N). Some senior living facilities could see insurance rate hikes in 2019 as high as 30 percent, according to insurance broker Willis Towers Watson. (WLTW.O) best place to buy cufflinks. Fewer insurers are offering coverage today than they were five years ago and some Lloyd’s of London members stopped writing the coverage during the past year, said John Atkinson, managing partner at Willis..

Some insurers are dropping coverage of those communities entirely while others are avoiding litigious locations such as Kentucky, Illinois and Florida, said insurers and brokers. While the pullback threatens to raise costs for families, other insurers are expanding, betting on the industry’s strong growth prospects best place to buy cufflinks. The number of people living in U.S. residential care facilities has grown by over 10 percent to 812,000 between 2010 and 2016, according to the most recent data from the U.S. Centers for Disease Control and Prevention..

As the industry gears up for the arrival of the greying 74-million baby boom generation, senior living facilities have grown even faster. The number of rooms in those centers has risen up by a fifth since 2013, according to the National Investment Center for Seniors Housing & Care (NIC), which collects data for the 99 largest U.S. metro areas best place to buy cufflinks. While aging is a global phenomenon and the U.S. society is relatively younger than those in Europe and north Asia, its greater dependence on senior centers confronts it with challenges other nations may yet have to grapple with..

More so than previous U.S. generations, today’s elderly often live far away from their children best place to buy cufflinks. In Europe, seniors tend to live much closer to their relatives or in communities that provide generous government services for the elderly. In many Asian and African communities, multiple generations commonly live together. Not only do more people move into retirement communities, but they tend to do it later than they used to, resulting in more frequent and severe injuries, insurance professionals say..

“People are living longer and they are more frail,” said Gloria Holland, vice president of finance at Capital Senior Living Corp (CSU.N), a Dallas-based company that runs 129 communities across the country best place to buy cufflinks. A spokeswoman for Sunrise Assisted Living, where Smith lived, said the company had policies and procedures in place to help promote resident safety. “Anytime we lose a member of our community we are deeply saddened,” she said. Falls are the biggest risk. Allegations of falls account for nearly half of all assisted living claims that insurer CNA Financial Group (CNA.N) closed in 2016 and 2017, the company said. (Graphic: