Mutual of Omaha actively monitors our in-force long-term care business, filing rate adjustments when necessary to ensure we keep our promises to policyholders and remain competitive in the marketplace.
We will implement the following in-force rate adjustments effective June 1, 2026.
Impacted Forms Impacted States
LTC13 Pre Montana, North Carolina, Utah
For details on yearly rate adjustment percentages, view the supplemental grid here.
Policyholder Notification Process
Policyholders will receive a letter notifying them at least 60 days prior to the premium rate increase effective date for their policy. Along with the premium rate increase notification letters, most policyholders will receive an adjustment offer if there are options available. The offer will provide the policyholder with a benefit-reduction alternative to help reduce the impact of the premium increase.
Tools Available
Historical rate adjustment information by policy form is available on Sales Professional Access under the Rate Adjustment Page.
Due to our recent administration transition, policyholder reports will be temporarily unavailable on Sales Professional Access. An email with a list of impacted policyholders will be sent to marketers by end of business day, Thursday, March 19, 2026.
For a complete list of affected policy forms and additional key information, including quoting best practices, please review the FAQ.
Long-term care insurance is a core product for Mutual of Omaha, and we intend to remain a key player in this market for years to come. Should you have any further questions, please contact your Sales Director or Account Executive.
In-force LTCi Rate Adjustments Effective June 1, 2026
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