October 1, 2019 | Long-Term Care Newsletter
LTC Underwriting Guide Update
The LTC field underwriting guide has been newly updated as previously announced at the April 2019 Underwriting Operation teleconference. TENS units are now accepted and clients with TENS units currently in use will be rated based on their specific health condition.

CLICK HERE to view the updated underwriting guide
Premium Rate Action
Effective December 1, 2019 , Mutual of Omaha will be implementing rate action on in-force business in  Arkansas , Iowa , New Mexico , Ohio , Oklahoma , and Pennsylvania . Policyholders will receive a letter notifying them at least 90 days prior to the premium rate increase. Click the link below for more information.

CLICK HERE for more info on the December rate adjustments

CTP 2020 Minimum Daily Benefit Levels
The minimum daily benefit levels for Partnership policies applied for in 2020 will be $292.00 for nursing home care and $146.00 for home care . The 2020 minimum levels represent a 3.0% increase from 2019.
The annual allowable minimums also pertain to existing policyholders who wish to reduce their daily benefit, depending on carrier availability.

CLICK HERE for more info regarding the 2020 minimum daily benefit levels

New Hampshire Revising DRA Standards
The State of New Hampshire recently acknowledged that their DRA National Partnership criteria was not in compliance with the federal DRA Partnership standards and will be revising their criteria to meet federal standards. Upon the completion of the revision, it will be confirmed that all states in Compact comply with the federal standards for compact.
Premium Rate Action

Effective September 23, 2019 , Genworth implemented rate action on in-force business in Virginia for the  Pre-PCS ™ product series. Click the link below for more information.

CLICK HERE for more info on rate action in Virginia


Effective September 23, 2019 , Genworth implemented rate action on in-force business in  Wisconsin and New Jersey (Alabama Group Trust policies only) for the Privileged Choice™ and  Classic Select ™ product series. Click the link below for more information.

CLICK HERE for more info on rate action in Wisconsin
CLICK HERE for more info on rate action in New Jersey (Alabama Group Trust policies only)




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