Mutual of Omaha actively monitors our inforce 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 inforce rate adjustments effective February 1, 2026.
The state of Massachusetts requires a 90-day notification period for all policyholders. Therefore, the effective date for the affected MA policies indicated below will be March 1, 2026.
Impacted Forms Impacted States
LTC13 Pre Maryland, Ohio, Oklahoma, Illinois, Kansas, Massachusetts
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 no later than end of business Wednesday, November 26, 2025.
Any additional information and state approvals will be communicated in our weekly Express newsletter. 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.
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