What is Long Term Care?

Long term care involves services that meet a person’s health or personal care needs. Services help people live as independently and safely as possible. Long term care can be provided in the home by a paid or unpaid caregiver, in a community location such as an adult day care, or in a facility such as a nursing home or assisted living facility.​​

Pursuant to House Bill 493, which became effective during the 2017 legislative session, long-term care insurers are required to provide a one-time notice to their insureds advising that information about long-term care rate requests may be found on this web page. Receiving this notice does not necessarily imply that your long-term care insurance company is requesting a rate increase at this time. To determine if your long-term care insurance company is requesting an increase, please look under the "Long-Term Care Hearing Information" and the "Long-Term Care Rate Information" tabs below. To be notified of future rate hearings, rate approvals or other insurance industry news, please subscribe to email noti​fications​. 

Long-Term Care Hearing Information:

Pursuant to Section 11-703(d) of Maryland's Insurance Article, the Maryland Insurance Administration is required to hold rate hearings, at least quarterly, to review long-term care insurance rate filings received by the Commissioner during the preceding 3-month period. However, a hearing is not required if the Commissioner has not received a long-term care insurance rate filing during the preceding 3-month period.

September 17, 2026

Long-Term Care Hearing Scheduled for September 17, 2026​​

Actuarial Memorandums:
John Hancock 4062 MD
John Hancock ICC10 LTC 11
John-Hancock-ICC10-LTC-11-2012
John Hancock LTC 02 MD
​John-Hancock LTC 03 MD

John Hancock LTC 03 MD 108

John Hancock LTC 03 MD 610

​John-Hancock-LTC-03-MD-2007

John-Hancock LTC 06 MD

John-Hancock LTC 06 MD 996

MedAmerica SPL 336

Transamerica Life ICC13 TLC4

Union Security Insurance 6062 MD​ 

To view information on hearing information from prior years, cli​ck here.

Long-Term Care Approved Rates

• 2026 Approved Rates
  
• 2025 Approved Rates​
  
• 2024 Approved Rates​​

​​​Consumer Resources:

• ​​Long Term Care Insurance Rate Review Process​
  
• Companies Approved to Sell Long-Term Care Insurance
  
• File a Complaint
  
• Maryland Health Care Commission's Long Term Care Planning Toolkit​
  
• A Consumer Guide to the Maryland Long-Term Care Insurance Partnership Program
• ​Additional Consumer Information about long-term care insurance from the National Association of Insurance Commissioners
• A Shopper's Guide to Long-Term Care Insurance​ 
  
• What You Need to Know About Long-Term Care Insurance​
  
• Long-Term Care Insurance Rate Review Process in ​Maryland
  
• Long-Term Care Frequently Asked Questions​
  

​To learn more about insurance-related resources for older adults, click here​.​​ ​