---
title: Mutual of Omaha Announces In-Force Rate Actions in AL, MT, PA, SC, TN and VA
description: MOO In-Force
image: https://www.ltcipartners.com/hubfs/Brokerage/Brokerage%20Logos%20for%20Blogs/MOO%20Logo-1%20(1).png
---

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[Jun 29, 2026

### John Hancock in-force rate action for select states

](https://www.ltcipartners.com/carriernews/john-hancock-in-force-rate-action-for-select-states)

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Sep 20, 2022 • [LTCI Partners](https://www.ltcipartners.com/carriernews/author/ltci-partners)

## Mutual of Omaha Announces In-Force Rate Actions in AL, MT, PA, SC, TN and VA

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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 be implementing the following inforce rate adjustments effective December 1, 2022. *

****The state of Virginia requires a 75-day notification period for all policyholders. Therefore, the effective date for the affected VA policies indicated below will be January 1, 2023****. *

| **Impacted Forms** | **Impacted States** |
| --- | --- |
| LTC04G | Alabama, Tennessee |
| LTC04I | Alabama, Pennsylvania, Tennessee, and South Carolina |
| LTC04I7 | Alabama, Pennsylvania, Tennessee, and South Carolina |
| LTC09M | Alabama, Pennsylvania, Tennessee, and South Carolina |
| LTC06UI | Alabama, Pennsylvania, Tennessee, and South Carolina |
| LTC09U | Alabama, Pennsylvania, Tennessee, and South Carolina |
| LT50, NH50, HCA, NHA, LTA   | Montana and Virginia |
| HCAQ, NCAQ, LTAQ | Montana |
| LT50, LT53 | Massachusetts |

*For details on yearly rate adjustment percentages, *[*view the supplemental grid here*](https://nam10.safelinks.protection.outlook.com/?url=http%3A%2F%2Fblogs.mutualofomaha.com%2Fexpress%2Ffiles%2F2022%2F09%2FRate-Adjustment-Grid_12.1.2022-003.pdf&data=05%7C01%7Cmichael.simenstad%40ltcipartners.com%7C3c74a1873efa4d73064908da9b116c18%7Ce6f978e175d44db0904e5b79fb778570%7C0%7C0%7C637992796371433231%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=vKZxg%2BMgXV2WUEnjWgoH8GVdZ9BWxMZO27UTpuRt%2BKs%3D&reserved=0)*.*

**Policyholder Notification Process**

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

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. 

## Written by [LTCI Partners](https://www.ltcipartners.com/carriernews/author/ltci-partners)

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