May 19, 2021 | Long-Term Care Newsletter
Rate Refresh in 4 Additional States Effective June 1, 2021
Effective June 1, 2021, Mutual of Omaha is refreshing rates for the MutualCare Solutions portfolio in 4 additional states - Delaware, Florida, North Dakota, and South Dakota.
New paper and e-Applications will be required beginning June 1, 2021. Applications must be signed BEFORE June 1, 2021, and received by ARM by 3 PM EST on Friday, June 11, 2021 to be considered for the current rates.
In these states, the Cash Benefit is being changed to 25% of the home health care benefit up to a maximum of $2,000/month, and spousal discounts are being reduced to 15% for cases in which both spouses are issued and 5% for cases in which one spouse is issued.
Updated quoting software and marketing materials will be available for order and download on June 1, 2021. The new application pack cover series will end in _0621.
New Association Marketing Materials

Mutual of Omaha has created new materials to help the the story of how long-term care insurance can benefit association members. Click the links below to view these materials.
CLICK HERE to view the Association Marketing Brochure
CLICK HERE to view the Association Marketing Flyer
Updated Massachusetts Medicare Documents
Effective May 14, 2021, two Massachusetts Medicare documents that must be left with applicants prior to completing the application have been updated. Click the links below to view the updated pieces.
CLICK HERE to view "A Massachusetts Consumer's Guide to Medicare"
CLICK HERE to view "Guide to Choosing a Medigap Policy"
NGL Solidifies its Commitment to LTCi and Gaining Additional Market Share
Following a recent upgrade to A (Excellent) from AM Best, National Guardian Life is looking toward the future and solidifying its commitment to the LTCi industry. “As we look to the future, NGL is committed to further its expansion of our distribution into the long term care marketplace. NGL’s upgraded A (Excellent) rating from AM Best means we can be counted on when policyholders need us most,” said Knut Olson, NGL President & CEO. 
CLICK HERE to view the full article
Updated Brochures for EssentialLTC Enhanced Forthcoming
Brochures for states in which the EssentialLTC product was recently enhanced are still forthcoming. We will keep you posted as to when they are available.
Carrier Covid-19 Reminders
Premium Rate Action
In late May, John Hancock will begin policyholder notifications on the next round of John Hancock and Fortis policy in-force rate actions, which will have an effective date beginning with anniversaries on or after September 1, 2021. John Hancock policies issued in Georgia, Iowa, Massachusetts, and Missouri are affected. Fortis policies issued in New Jersey, Iowa, and New Hampshire are affected. Click the link below for more information.  
CLICK HERE for more info
Premium Rate Action
Effective April 26, 2021, Genworth implemented rate action on in-force business in Arkansas and Oklahoma. Effective May 3, 2021, rate action was implemented in Delaware and Washington DC. Effective May 10, 2021, rate action was implemented in Delaware. May 17, 2021, rate action was implemented in Tennessee. Click the links below for more info.

CLICK HERE for more info about rate action in Arkansas
CLICK HERE for more info about rate action in Oklahoma
CLICK HERE and HERE for more info about rate action in Delaware
CLICK HERE for more info about rate action in Washington DC
CLICK HERE for more info about rate action in Tennessee

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