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 September 1, 2025.
*The state of New York requires a 90-day notification period for all policyholders. Therefore, the effective date for the affected NY policies indicated below will be October 1, 2025.
Impacted Forms Impacted States
LTC04I New York*
LTC09M New York*
LTC13 Pre Alaska, Nebraska
For details on yearly rate adjustment percentages, view the supplemental grid here.
Policyholder Notification Process
New York policyholders will receive a letter notifying them at least 90 days prior to the premium rate increase effective date as outlined above. Alaska and Nebraska policyholders will receive a letter notifying them at least 60 days prior to the premium rate increase effective date as outlined above. 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
Additional resources are available on Sales Professional Access, including:
- A list of impacted policyholders on the Reports page
- Historical rate adjustment information by policy form on the Rate Adjustment page
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 us.
Inforce LTCi Rate Adjustments Effective September 1, 2025, and October 1, 2025
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