Long-Term Care Hearing February 11, 2022

On December 2, 2021, the Maryland Insurance Administration (MIA) received a request from Senior Health Insurance Company of Pennsylvania (SHIP), which is in receivership, to increase rates on long-term care insurance policies, or, in the alternative to reduce benefits offered under those policies.  Pursuant to Title 11, subtitle 7, the MIA is reviewing the proposed rate increase. As part of that review, pursuant to § 2-203 of the Insurance Article, Annotated Code of Maryland and COMAR 31.02.06, the MIA will conduct a quasi-legislative public hearing via zoom on the specific rate increase requests being made on February 11, 2022 at 1:00 p.m.

The purpose of the hearing is for the Receiver to explain the reasons for the rate increases, to explain the new benefit options and for the MIA to consider whether the rate filing is inadequate, unfairly discriminatory, or excessive in relation to benefits. Interested stakeholders will also have the opportunity to provide comments at the hearing. Prior to the hearing, copies of the company's actuarial memorandum will be posted to the MIA's website.

The Form numbers impacted by the rate requests are the following:

SHIP:  10902, 10922, 10955, 10956, 11001, 5000003, FQ-LTC, HHC-1, HHC-3, HHC-4, LTC-1, LTC-3, LTC-6

Given the current COVID-19 situation, to protect the public health, safety, and welfare, the hearing will be held via Zoom.

The hearing will be held:

Friday, February 11, 2022
1:00 P.M. to 4:00 P.M.
Life & Health Insurance Guaranty Corp. Letter
View hearing video H​ERE​​​​

Dial-in Information:

Dial-in: (669) 254-5252
Webinar ID: 160 256 5266

Information for the Maryland Relay Service can be found at doit.maryland.gov/mdrelay

If you wish to provide oral testimony, please RSVP to Nancy Muehlberger.  Testimony will only be heard from those who have RSVP'd in advance of the public hearing.  Interested parties are also encouraged to submit written comments in advance of the hearing date. Written comments and RSVPs should be sent to Nancy Muehlberger, either by email to longtermcare.mia@maryland.gov or by mail to 200 St. Paul Place, Suite 2700, Baltimore, MD 21202 or by fax to 410-468-2038. 

Questions regarding this hearing should be directed to Nancy Muehlberger by phone to 410-468-2050, or by e-mail to nancy.muehlberger@maryland.gov.

Complaints regarding individual policy premium rates, premium increases or particular policy provisions should be directed to the Consumer Complaints Unit. Please call 410-468-2244 or visit the following website for more information on how to file a complaint:


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