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 November 1, 2026.
GEORGIA
| Policy Forms Impacted | 2026 Overall Rate Increase |
| LTC04G | 15.0% |
| LTC04I | 15.0% |
| LTC04I7 | 15.0% |
| LTC06UI | 15.0% |
| LTC09M | 15.0% |
| LTC09U | 15.0% |
| LTC13 Pre | 14.9% |
WEST VIRGINIA
| Policy Forms Impacted | 2026 Overall Rate Increase | 2027 Overall Rate Increase |
| LTC13 Pre | 26.9% | 4.1% |
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. A list of impacted policyholders is available on the reports page in SPA.
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 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.