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Oct 26, 2021 • LTCI Partners

Mutual of Omaha- Rate Increases on Pre-2013 Business


From the Desk of

Michael Sladek



From time to time, we must make prudent business decisions necessary for the long-term financial health of Mutual of Omaha. After careful review of our inforce long-term care business, cost of services, claims data and the economic environment, we have made the difficult decision to file and implement rate increases on all long-term care policies issued prior to 2013 with the exclusion of LTC09 in the state of California. 

Mutual of Omaha remains committed to the long-term care insurance marketplace and this reprice does not affect our commitment to you or our policyholders. Mutual of Omaha's Long-Term Care product remains competitive with features and benefits to fit your client's needs. 

What you need to know:

At this time, we have received approval and will be implementing rate increases for North Dakota effective January 1, 2022. We are working closely with the State Insurance Departments regarding the filings and approvals and will promptly communicate to you as we implement additional states. 

Effective Date States Impacted Policy Forms Impacted Benefit Period Overall Rate Increase Per Year



North Dakota NHA, LTA, HCA, LT50, NH50, HCAQ, LTAQ and NHAQ Non-Lifetime 14%



North Dakota NHA, LTA, HCA, LT50, NH50, HCAQ, LTAQ and NHAQ Lifetime 19.6%
  • Additional state effective dates will vary based on policy forms and state approvals.
  • The percentage of rate increases will depend on the policyholder's benefit selections and the individual state's approval.

How will my policyholders be notified?

Upon approval from the state, impacted policyholders will receive a physical letter notifying them of the rate increase at least 60 days prior to the effective date. The notification timeframe could differ by state regulations. 

Where do I find my list of policyholders who will be impacted?

Log into Sales Professional Access (SPA) and go to the reports tab to view a listing of your impacted policyholders. 

Please share this information with your producers. Any additional information and state approvals will be communicated in our weekly Express newsletter. For a complete list of affected policy forms as well as additional key information, please review the FAQ.

Should you have any further questions, please contact your Sales Director or Account Executive.


Employee Photo

Michael Sladek
Vice President, Brokerage Sales
(800) 693-6083
Contact Me


Written by LTCI Partners