• 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
• Long-Term-Care-Insurance-Rate-Review-Process
• Long-Term Care Insurance: Basic Pricing and Rate Increase Concepts (Society of Actuaries Presentation)
• Additional Consumer Information about long-term care insurance from the National Association of Insurance Commissioners
• A Shopper's Guide to Long-Term Care Insurance​ [NAIC-LTC-LP]
• What You Need to Know About Long-Term Care Insurance​​: An Overview and FAQs from the National Association of Insurance Commissioners​

• Insurance Article, Title 18 Long-Term Care Insurance, Annotated Code of Maryland
• Health-General Article, Title 15, Subtitle 4. Qualified State Long-Term Care Insurance Partnership, Annotated Code of Maryland
  

Insurance Regulations addressing Long-Term Care Insurance

• COMAR 31.14: Long-Term Care
• Draft Proposed Regulations

Videos

• Myths and facts about long-term care: Video 

• List of Companies with Approved Individual Long-Term Care Insurance Policies
• List of Companies with Certified Individual Qualified Long-Term Care Insurance Policies for Partnership Programs in Maryland​

Group Policy Form 83500 BFW 5018 (Product Name: GLTC3  ); (SERFF No.PRUD-133537691)

Approved the following:

1)   No increase for policies with No inflation.
2)   21% rate increase, phased in at 10% annually for 2 years, for policies with GPO
3)   21% rate increase, phased in at 10% annually for 2 years, for policies with Auto Inflation

The Company originally requested the following:

1)   33.3 % rate increase for policies with No inflation.
2)   20.9%  rate increase for policies with GPO
3)   20.9% rate increase for policies with Auto Inflation

Approved 10/17/23
Proposed Effective Date: This rate revision will be implemented following state approval and a minimum of a 60-day notification to the certficate holder.

Individual Policy Forms GRP 99507, GRP 99508, and GRP 99509 (Product Name: ILTC1); (SERFF No. PRUD-133495069)

Approved the following:

1)   No increase for policies with No inflation and benefit periods of less than 10 years.
2)   52.1% rate increase, phased in at 15% annually for 3 years for policies with Auto inflation and lifetime or 10 year benefit period
3)   52.1%  rate increase, phased in at 15% annually for 3 years for policies with Auto inflation and benefit periods of less than 10 year
4)   52.1%  rate increase, phased in at 15% annually for 3 years for policies with No Inflation and lifetime or 10 year benefit period

The Company originally requested the following:

1)   43.1% rate increase for policies with No inflation and benefit periods of less than                  10 years.
2)  159.9% rate increase for policies with Auto inflation and lifetime or 10 year benefit period   
3)   63.9%  rate increase for policies with Auto inflation and benefit periods of less than 10 year
4)   137.8% rate increase for policies with No Inflation and lifetime of 10 year benefit period

Approved 10/17/23
Proposed Effective Date: This rate revision will be implemented following state approval and a minimum of a 60-day notification to the policyholder.

Individual Policy Form GRP 112608 (Product Name: ILTC2 ); (SERFF No. PRUD-133537678 )

Approved the following:

1)   No increase for policies with No inflation and benefit periods of less than 10 years.
2)   32.25% rate increase, phased in at 15% annually for 2 years for policies with No Inflation and lifetime or 10 year benefit period
3)   32.25% rate increase, phased in at 15% annually for 2 years for  policies with Auto inflation and lifetime or 10 year benefit period
4)   32.25% rate increase, phased in at 15% annually for 2 years for policies with Auto inflation and benefit periods of less than 10 year

The Company originally requested the following:

1)   21.8% rate increase for policies with No inflation and benefit periods of less than                  10 years 
2)   94.6% rate increase for policies with No Inflation and lifetime or 10 year benefit period
3)   126.1% rate increase for  policies with Auto inflation and lifetime or 10 year benefit period
4)   39.9% rate increase for policies with Auto inflation and benefit periods of less than 10 year

Approved 10/17/23
Proposed Effective Date: This rate revision will be implemented following state approval and a minimum of a 60-day notification to the policyholder.

Individual Policy Form 83500 GR 1067 (Product Name:GLTC2 ); (SERFF No. PRUD-133537668)

Approved: 10% increase for all policies

The Company originally requested: 44.7% for all policies

Approved 10/17/23
Proposed Effective Date: This rate revision will be implemented following state approval and a minimum of a 60-day notification to the certificate holder.

​Individual Policy Form   GRP 113252 and GRP 113252 ED 05/2010 (Product Name: ILTC3) (SERFF No. PRUD-133537664)

Approved the following:

1) A 32.3% rate increase, phased-in at 15% annually for two years, for policies with no inflation and a lifetime or ten year benefit period.

2) A 10% increase for policies with no inflation and a benefit period of less than ten years.

3) A 32.3% rate increase, phased-in at 15% annually for two years, for policies with inflation and a lifetime or ten year benefit period.

4) A 10% rate increase for policies with inflation and a benefit period of less than ten years.

The Company originally requested the following:

1) A 65% rate increase for policies with no inflation and a lifetime or ten year benefit period.

2) A 10% increase for policies with no inflation and a benefit period of less than ten years.

3) A 101.6% rate increase for policies with inflation and a lifetime or ten year benefit period.

4)  A 59.2% rate increase for policies with inflation and a benefit period of less than ten years.

Approved 9/25/23

​Proposed Effective Date: This rate revision will be implemented following state approval and a minimum of a 60-day notification to the policy holder.

Approved the following:

The Company originally requested the following:

Approved 9/25/23

Proposed Effective Date: This rate revision will be implemented following state approval and a minimum of a 60-day notification to the policy holder.​

Group Policy Forms 7050CRT AARP,  approve three annual increases of 15%, for a cumulative increase of 52.1%.  (SERFF No.  GEFA-133486424)

The Company originally requested a 176% rate increase.

Approved 9/20/23

​Proposed Effective Date: The increase will be implemented on policy's billing anniversary date, following a minimum of 60-day certificate holder notification period.

Group Policy Form 83500 COV 5030 (Product Name: GLTC4); approved 4.8% increase for policies with Automatic Inflation Protection or Guaranteed Purchase Option. No increase for policies with No Inflation Protection. (SERFF No. PRUD-133537693)

Company originally requested increases as follows:

Approved 8/31/23

​Proposed Effective Date: The increase will be implemented following state approval and a minimum of a 60-day notification to the certificate holder.

Individual Policy Forms 7052MD (Flex 1); For policies with high inflation/BIO, two annual increases of 15%, for a cumulative increase of 32.3%.  (SERFF No. GEFA-133431957)

Company originally requested increases as follows:

*High BIO does not include policies without BIO or 1% BIO

​Approved 8/31/23
Proposed Effective Date: The increase will be implemented on policy's billing anniversary date, following a 60-day policyholder notification period.

1. Genworth Life Insurance Company

Individual Policy Forms 7042MD, 7044MD, 7042MD Rev. 7044MD Rev. (Choice 2 & 2.1); 15% increase for policies with high inflation/BIO option. (SERFF No. GEFA-133432074)

Company originally requested increases as follows:

117% for policies with lifetime benefits and low BIO

233% for policies with lifetime benefits and high BIO

132% for policies with limited benefits and high BIO

* Low BIO includes policies without BIO and 1% BIO. High BIO includes all other BIO options.

Approved 8/31/23
Proposed Effective Date: The requested rate increase will apply to policies on their billing anniversary date, following a 60-day policyholder notification period.

Individual Policy Forms TLC 1-FP (MD) 402, TOL 1-FP (MD) 402, LI 1-FP (MD) 402, and  MLC 1-FP (MD) 402; approve 2 annual increases of 15%  for a cumulative increase of 32.25%.  (SERFF No. AEGB-133537503)

Company originally requested an annual increase of 156.48%.

Approved 7/11/23

Proposed Effective Date:  The increase will be implemented following approval and after fulfillment of all statutory and contractual requirements, but not before a period of one year has elapsed since the previously approved rate increase effective date if applicable. 

1. Knights of Columbus
   
   
   Individual Policy Form LTC01 and NHC01; approve three annual increases of 11.2% in year one, 11% in year two and 11% in year three for a cumulative increase of 37%. (SERFF No. TRIP-133528285)

   
   

   The company originally requested an annual increase of 37%.
   
   
   ​Approved 6/30/2023
   Proposed Effective Date: The increase will become effectivew as of the next policy anniversary date for each affected policy following the 95 days notification period in advance befre implementing the rate increase.
   ​

1. ​LifeSecure Inurance Company

Policy Form LS-0002, et al (SERFF #LFSC #LFSC-133407502): 15.0% for all policyholders.

​The company originally requested a 15.0% rate increase for all policyholders.

Approved 2/21/2023
Proposed Effective Date: The rate increase will applky upon approval following an appropriate policyholder notification period.​​​

​Policy Forms: 8-P-Q-MD, 8-P-F-Q-MD; approve three annual increases of 15%(Year1), 15%(Year2), and 15% (Year3) for a cumulative increase of 52.1% for policies with 5 years of benefit period, and one annual increase of 15% for policies with 2-3 years of benefit period.  The revised premiums will be guaranteed for 5 years from the start of implementation. (SERFF: ALLB-133322028).

Policy Forms: SR-LTCP et al; approve three annual increases of 15%(Year1), 15%(Year2), and 15%(Year3) for a cumulative increase of 52.1% on policies with inflation protection, and one annual increase of 15% on policies with no inflation protection excluding policies with 2-year benefit periods. (SERFF: LTCG-133077527)

Policy Forms: ML-LTCP TQ (MD) 197, ML-LTCP TQ (MD) 600, FTQ (MD) 197, LTC 5 TQ (MD) 900; approve four annual increases of 15% (Year1), 15% (Year2), 15% (Year3), and 15% (Year4) for a cumulative increase of 74.9% for policies with inflation protection or lifetime benefit period, and one annual increase of 5% for other policies. (SERFF: AEGB-133137588)

​Policy Forms:  P1-15203-A19 and P1-16356-A19: (SERFF: CNAB-133066636)

Approve three annual increases of 15%(Year1), 15%(Year2), and 15% (Year3) for a cumulative amount of 52.1% on policies with AIB rider and unlimited lifetime max benefits.

The Company originally requested an increase of 68.5% on policies with  AIB rider  and unlimited lifetime max benefits.

​Policy Forms: P1-18876-A19, P1-18878-A19: (SERFF: CNAB-133066636)

Approve three annual increases of 15%(Year1), 15%(Year2), and 15% (Year3) for a cumulative amount of 52.1% on policies with AIB rider and unlimited lifetime max benefits.

Approve one annual increase of 15% for policies with AIB rider and non-lifetime max benefits.

The Company originally requested  increases as  71% on policies with  AIB rider and unlimited lifetime max benefits, and 15.9% on policies with  AIB rider  and non-lifetime max benefits.

Policy Forms: Series LTC1 and Series LTC2; approve three annual increases in the amounts of 15%, 15%, and 15% (a cumulative 52.1% increase ) and then no further rate increases. (SERFF: TRST-132996661)

The Company originally requested three annual increases in the amounts of 15%, 15%, and 5.5% (a cumulative 39.5% increase)  and planned to further ask for rate increases until Maryland rates are in line with nationwide rates.

1. Genworth Life Insurance Company

Policy Forms: 50000, 50001, 50003, 50018, 50020, 50021, 50022, 60394, 60407, 60491, 60494, 62100, 7021; approve 52.1% rate increase phased over a three-year period as 15%, 15%, and 15% for policies with lifetime benefits. The Company also agrees that no future rate increases will be sought on these policy forms after this approval: (SERFF: GEFA-132338055).

The Company originally requested 101.1% rate increase phased over a five-year period as 15%, 15%, 15%, 15%, and 15% for policies with lifetime benefits.

1. Allianz Life Insurance Company of North America

Policy Forms: 10-P-Q-MD (GPR); approve the following: (SERFF: ALLB-132894939)

2 - Four Year Benefit Period – 0% rate increase

5 - Eight Year Benefit Period – 15% rate increase

Lifetime Benefit Period – 15% rate increase in year one, and 10% rate increase in year two

 

The Company originally requested the following:

2 - Four Year Benefit Period – 20% rate increase

5 - Eight Year Benefit Period – 45% rate increase

Lifetime Benefit Period – 65% rate increase

Policy Forms: 11-P-Q-MD (GP2); approve the following: (SERFF: ALLB-132819009)

2 - Four Year Benefit Period – 0% rate increase

5 - Eight Year Benefit Period – 10% rate increase

Lifetime Benefit Period – 15% rate increase

 

The Company originally requested the following:
2 - Four Year Benefit Period – 15% rate increase

5 - Eight Year Benefit Period – 25% rate increase

Lifetime Benefit Period – 45% rate increase

1. Genworth Life Insurance Company
   
   Policy Forms: 7050CRT AARP; approve one single 15% rate increase: (SERFF: GEFA-132893949)

The Company originally requested 103% rate increase phased over a six-year period as 15%, 15%, 15%, 15%, 15%, and 1.0%.

1. Genworth Life Insurance Company
   
   Policy Forms: 7035 et al; No increases for those policyholders with issued age 70 or older, or without any inflation protections. For the remaining policies, approve the following schedule as well as offer Lifetime Stable Premium Option (LSPO) to those who subject to the rate increases: (SERFF: GEFA-132755269)
   
   Three annual increases in the amounts of 15%, 15%, and 15%
   
   The Company originally requested five annual increases in the amounts of 15%, 15%, 15%, 15%, and 15% for the same remaining policies.

1. Provident Life and Accident Insurance Company
   Policy Forms:   RLTC03, RLTCP03, LTC03, LTCP03, and LTCT03; No rate change for members with either 2-year benefit period or issue age above 64 or elimination periods of 180 days or more. For the remaining policies,  approve a 3-year plan as follows:(SERFF: UNUM-132732326) 

     

Post - Rate Stability	Year 1	Year 2	Year 3	Cumulative
No Inflation, Non-Lifetime BP	15.0%	12.5%	0.0%	29.4%
No Inflation, Lifetime BP	15.0%	12.5%	0.0%	29.4%
Simple Inflation, Non-Lifetime BP	15.0%	12.5%	12.5%	45.5%
Simple Inflation LS, Non-Lifetime BP	5.4%	5.3%	0.0%	11.0%
Simple Inflation, Lifetime BP	15.0%	12.5%	12.5%	45.5%
Simple Inflation LS, Lifetime BP	5.4%	5.3%	0.0%	11.0%
Compound Inflation, Non-Lifetime BP	15.0%	12.5%	12.5%	45.5%
Compound LS Inflation, Non-Lifetime BP	0.0%	0.0%	0.0%	0.0%
Compound Inflation, Lifetime BP	15.0%	12.5%	12.5%	45.5%
Compound Inflation LS, Lifetime BP	0.0%	0.0%	0.0%	0.0%

The Company originally requested a one-time average 135.2% rate increase.    

1. RiverSource Life Insurance Company

Policy Forms:  30160A-MD and 32100; The company provides the new Benefit Increase Options for policyholders who currently have a 5% Simple or 5% Compound Benefit Increase Option as follows.  No rate changes for existing benefits. ( SERFF: AERS-132727975)

A new 0% Simple Benefit Increase Option, which will be available only to those policyholders who currently have a 5% Simple Benefit Increase Option.
A new 2% Compound Benefit Increase Option and a new 0% Compound Benefit Increase Option, which will be available only to those policyholders who currently have a 5% Compound Benefit Increase Option.

Policy Forms:  30160A-MD; The company provides the new Benefit Increase Options for policyholders who currently have a 5% Simple or 5% Compound Benefit Increase Option as follows.  No rate changes for existing benefits. ( SERFF: AERS-132727968)

A new 0% Simple Benefit Increase Option, which will be available only to those policyholders who currently have a 5% Simple Benefit Increase Option.

A new 2% Compound Benefit Increase Option and a new 0% Compound Benefit Increase Option, which will be available only to those policyholders who currently have a 5% Compound Benefit Increase Option.

Approved 5/28/2021
Proposed Effective Date: second year of the multi-year increase with an initial effective date of October 15, 2021.

Policy Forms:  30225-MD, 30225-MD1 and 30225A-MD1; The company provides the new Benefit Increase Options for policyholders who currently have a 5% Simple or 5% Compound Benefit Increase Option as follows.  No rate changes for existing benefits. ( SERFF: AERS-132727946)

A new 0% Simple Benefit Increase Option, which will be available only to those policyholders who currently have a 5% Simple Benefit Increase Option.

 

A new 2% Compound Benefit Increase Option and a new 0% Compound Benefit Increase Option, which will be available only to those policyholders who currently have a 5% Compound Benefit Increase Option.

1. Genworth Life Insurance Company
   
   Policy Form 7052MD (SERFF #GEFA-132466828): 26.6% rate increase for most policyholders.  Policies with issue age 70 and above, policies with an elimination period of 365 days and policies with no inflation are excluded from the rate increase.
   
   The rate increase will be phased in over two years at 12.5% in year one, and 12.5% in year two.
   
   The Company originally requested a 66.3% rate increase for all policies.

Policy Form 7046MD (SERFF #GEFA-132417374): 21.0% rate increase for most policyholders.  Policies with issue age 65 and above and policies with two year benefit periods are excluded from the rate increase.

The rate increase will be phased in over three years at 10.0% in year one, 10.0% in year two and 0.0% in year three.

The Company originally requested a 65.1% rate increase for all policies.

1. Brighthouse Life Insurance Company
   
   Policy Forms:  H-LTC2J-30, et al., H-LTC3J, et al., H-LTC3JP20, et al., H-LTC3JQ8, et al., H-LTC4JQ9, et al., H-LTC4JFQ17, et al.;  Rate increase schedule below only applies to policies with more than two-year benefit period. (SERFF: MILL-132207211)
    
   Policies with no inflation protection option will receive three annual increases in the amounts of 5%, 5%, 5%
   Policies originally issued with a CPI guaranteed purchase option will receive three annual increases in the amounts of 5%, 5%, 5%
   
   All other policies will receive three annual increases in the amounts of 15%, 15%, 7.5%   
   The Company originally requested a one-time 149% rate increase for all policies. 

1. MedAmerica Insurance Company
   
   Policy Forms:  LTC-CD8-MD,  LTC-CD9-MA-MD, NTQ11-337-MA-MD-601,  LTQ11-336-MA-MD-601,  LTQ11-336-MA-MD-1100,  and  HTQ11-338-MA-MD-601; No rate change for members with either Issue Age above 69 or Home Health Only coverage. For the remaining policies, approve a three-year plan as follows: (SERFF: MILL-132323146)
   
   - For Maryland members with Non-Lifetime Benefit Period: 7.5% in year one, 7.5% in year two, and 0% in year three
   
   - For Maryland members with Lifetime Benefit Period: 12.5% in year one, 12.5% in year two, and 0% in year three
   
   The Company originally requested a one-time 49% rate increase for policies with Non-Lifetime Benefit Period, and a one-time 251% rate increase for policies with Lifetime Benefit Period.   

Policy Forms:  SPL-336; No rate change for members with either no more than 2-year Benefit Period or Issue Age above 64 or Home Health Only coverage. For the remaining policies,  approve a 3-year plan as follows: (SERFF: MILL-132137655)

For Maryland members with No Inflation Protection: 7.5% in year one, 7.5% in year two, and 0% in year three

For Maryland members with Inflation Protection: 12.5% in year one, 10.0% in year two, and 0% in year three
 
The Company originally requested a one-time 66% rate increase for policies with No Inflation Protection, and a one-time 148% rate increase for policies with Inflation Protection.

Approved 1/12/2021
Proposed Effective Date: The rate increase will apply to policies on their next premium payment date following at least a 60‐day policyholder notification period following being filed for use by the Department of Insurance.

1. Genworth Life Insurance Company
   
   Policy Forms 7030R, 7032R (SERFF #GEFA-132431166): 29.4% rate increase for most policyholders. Policies with a benefit period of two (2) years and policies with issue ages 75 or higher are excluded from the rate increase.
   
   The rate increase will be phased in over three years at 15% in year one, 12.5% in year two and 0% in year three.
   
   The Company originally requested a 145% rate increase for policies with lifetime benefits and a 66.7% rate increase for policies with limited benefits.
   
   As part of this approval, the Company is planning to offer the Lifetime Stable Premium Option (LSPO).   The LSPO provides the following:
   · A lifetime premium rate guarantee,
   · A three-year benefit period (six-year benefit period for Shared policies),
   · Retention of prior benefit increases in the Daily Payment Maximum,
   · 1% compound benefit increase going forward, and
   · A choice of (1) a longer elimination period (180 day for facility / 90 day for home care) or (2) 10% coinsurance combined with elimination periods comparable to those of most current policyholders (100 day for facility / 0 day for home care).

1. Metropolitan Life Insurance Company

Policy Forms:  G.LTC5398 and G.LTC5498; Approve five annual increases in the amounts of 10%, 10%, 0%, 0%, and 0%. (SERFF: META-132388213)

The Company originally requested two annual increases in the amounts of 10%, and 10% without the rate lock from year 3 to year 5 for all policies.

1. ​​​​Metropolitan Life Insurance Company

Policy Forms:  GCLTCAARP-04-OP;  Approve five annual increases in the amounts of 10%, 10%, 0%, 0%, and 0% for members with more than "2-Year" benefit period.  (SERFF: META-132388206)

The Company originally  requested two annual increases in the amounts of 10%, and 10% without the rate lock from year 3 to year 5 for all policies. 

1. MedAmerica Insurance Company
   
   Policy Forms:  SPL2‐336‐MD; Rate increase schedule below only applies to policies with Inflation Protection and Cash Benefit Account of no less than $200,000 and Issue Age no more than 64. (SERFF: TRIP-132502007)
   
   Three annual increases in the amounts of 10%, 10%, and 0%
   
   The Company originally requested a one-time 25.6% rate increase for policies with No Inflation Protection, and a one-time 40.1% rate increase for policies with Inflation Protection.

Approved 12/18/2020
Proposed Effective Date: The rate increase will apply to policies on their next premium payment date following at least a 60‐day policyholder notification period following being filed for use by the Department of Insurance. 

Policy Forms:  FC‐336‐MD  and FC‐337‐MD; Rate increase schedule below only applies to policies with Inflation Protection and Benefit Period more than 2 years and Issue Age no more than 64. (SERFF: TRIP-132294133)

Three annual increases in the amounts of 10%, 10%, and 0%

The Company originally wanted 32.5% premium rate increase in Maryland to be consistent with that requested nationwide.

Approved 12/18/2020
Proposed Effective Date: The rate increase will apply to policies on their next premium payment date following at least a 60‐day policyholder notification period following approval by the department of insurance.

1. Genworth Life Insurance Company

Policy Forms 7000AP, 7020BB, 7020V (SERFF # GEFA-132431140): 21% rate increase for most policyholders.  Policies with a benefit period of two (2) years, policies with both a lifetime benefit period and no Benefit Inflation Option and policies with issue ages 75 or higher are excluded from the rate increase.

The rate increase will be phased in over three years at 10% in year one, 10% in year two and 0% in year three.

The Company originally requested a rate increase of 201% for policies with lifetime benefit periods and 63.1% for policies with limited benefit periods.

Approved 12/21/2020
Proposed Effective Date: This rate increase will apply to policies on their billing anniversary date, following a minimum 60-day policyholder notification period.

1. Transamerica Life Insurance Company
   
   Policy Forms:  ICC10 TLC-3; Rate increase schedule below only applies to policies with issue age less than 70. (SERFF: AEGB-131687161)
   
   Three annual increases in the amounts of 14%, 14%, and 0%
   The Company originally requested a one-time 42.33% rate increase for all policies.

Approved 12/10/2020
Proposed Effective Date: The increase will be implemented within 3 months following approval after fulfillment of all statutory and contractual requirements.

Policy Forms:  TLC 1-FP (MD) 402, TOL 1-FP (MD) 402 and LI 1-FP (MD) 402; Rate increase schedule below only applies to policies with issue age less than 70 and with benefit period not less than 3 years. (SERFF: AEGB-131748916)

Three annual increases in the amounts of 15%, 15%, and 0%
 
The Company originally requested a one-time 48% rate increase for all policies.

Approved 11/30/2020
Proposed Effective Date: The increase will be implemented within 3 months following approval after fulfillment of all statutory and contractual requirements.

Policy Forms: GP001 796 (GC001-NH (MD) 796, GC001-LTC (MD) 796, GC001-HCC (MD) 796); Rate increase schedule below only applies to policies with issue age less than 70. (SERFF: AEGB-131748613)

Three annual increases in the amounts of 12.5%, 12.5%, and 0% for policies with benefit inflation protection and with benefit period exceeding 5 years

Three annual increases in the amounts of 10.0%, 10.0%, and 0% for policies with benefit inflation protection and with benefit period no more than 5 years

The Company originally requested a one-time 53% rate increase for all policies.

Approved 11/30/2020
Proposed Effective Date: The proposed rate increase will be implemented following approval and after fulfillment of all statutory and contractual requirements.

Policy Forms: FTQ (MD) 197 as Flex 2 TQ Series, LTC 3 (MD) 1091 (REV92), LTC 3R (MD) 1091 (REV92) as LTC 3 / 4 Series, LTC 5 TQ (MD) 1096 as LTC 5 TQ Series, LTCP (MD) 690 as Golden Care Series, GCPRO-III TQ LTC (MD) 497 and GCPRO-III TQ HHC (MD) 497 as Protector III TQ Series, KLTCP 1 (MD) 690 as Future Care Series, LI-LTCP (MD) 192 and LI-LTCP (MD2) 192 as Future Care 2 NTQ Series, LI-LTCP TQ (MD) 197 as Future Care 2 TQ Series, LI-LTCP TQ (MD) 600 as Future Care Pool TQ Series, LTC-104-194-MD, LTC-105-194-MD, LTC-106-194-MD as TransCare Companion Series, LTC 124-197-MD, LTC 125-197-MD, LTC 126-197-MD as TransCare TQ Series, LTC 304-198-MD, LTC 305-198-MD as TransGenerations Series, 3122 (00) 288 (3132 (00) 288) as LTC GRP Series, GLTP 2 1289 & GHHC 1 189 (GLTC 2 1290 & GHHC 1 189 CERT) as LTC 2 GRP Series, GLTP 3 1091 & GLTP 3R 1091 (GLTC 3 1091 & GLTC 3R 1091) as LTC 3/4 GRP Series; Rate increase schedule below only applies to policies with issue age less than 75. (SERFF: AEGB-131748270)

Three annual increases in the amounts of 15.0%, 15.0%, and 0% for policies with benefit inflation protection and with benefit period exceeding 5 years

Three annual increases in the amounts of 12.5%, 12.5%, and 0% for policies without benefit inflation protection and with benefit period exceeding 5 years

Three annual increases in the amounts of 12.5%, 12.5%, and 0% for policies with benefit inflation protection and with benefit period no more than 5 years

The Company originally requested a one-time 53% rate increase for all policies.

Approved 11/30/2020
Proposed Effective Date: The proposed rate increase will be implemented following approval and after fulfillment of all statutory and contractual requirements.

1. Bankers Life and Casualty Company
   
   Policy Forms: GR-N340, GR-N350, GR-N370, GR-N380;  12.9% rate increase for policyholders with Issue Age under 70. (SERFF: BNLB-132305631)
   
   The 12.9% rate increase will be phased in over two years with 7.5% in year 1 and 5.0% in year.
   
   The Company has agreed with a 3-year rate guarantee from year three to year five.
   
   The Company originally requested a one-time 15% rate increase for all policies with policy forms listed above.

Approved 11/18/2020
Proposed Effective Date: The company will implement this increase to policies on their next billing date following a 45 day policyholder notification period.

1. Berkshire Life Insurance Company of America
   
   Policy Forms:  BG01P(06/04)-MD and  BG01P(01/09)-MD; Rate increase schedule below only apply to policies with issue age less than 76. (SERFF: LFCR-132205390)
   
   BG01P(06/04)-MD: Three-year phase-in increase of 5.0% each year with a cumulative 15.8% increase.
   
   BG01P(01/09)-MD: Three-year phase-in increase of 7.5% each year with a cumulative 24.2% increase.
   
   The Company originally requested a one-time 20% rate increase for all policies with form  BG01P(06/04)-MD, and two-year phase-in increase of 15% each year with a cumulative 32.3% increase for all policies with form  BG01P(01/09)-MD. 

1. Metropolitan Life Insurance Company

Policy Form: GCLTCAARP-06-FC; 7.06% rate increase with a three year rate guarantee. (SERFF: META-132100605)

The Company originally requested a 7.06% rate increase without a rate guarantee.

Approved 9/23/2020

1. Genworth Life Insurance Company

Policy Forms 7035 et al. (SERFF # GEFA-131746748): 15% increase for policies with lifetime benefit periods and 13.5% increase for policies with limited benefit periods, excluding policies issued to policyholders age 70 or older or those that have no benefit inflation.

The Company originally requested a rate increase of 57% for policies with lifetime benefit periods and 35% for policies with limited benefit periods.

Approved 09/08/2020

1. Allianz Life Insurance Company of North America

Policy Forms N-3000-P-MD(Q), N-3000-P-MD(NQ), N-2720-P-MD, N-2721-P-MD, N-2720-P-MD(Q), N-2721-P-MD(Q), N-2720-P-MD(NQ), N-2721-P-MD(NQ) (SERFF # ALLB-132270441): 10% increase for policies with 2 year benefit periods. 10% increase for policies with no inflation protection. 42.3% increase for all other policies. The 42.3% increase will be phased-in over three years as follows: 12.4% in year 1, 12.5% in year 2 and 12.5% in year 3.

The Company will offer a three year rate guarantee from the implementation date of this rate increase.

The Company originally requested a rate increase of 55% for policies with benefit periods of 2 or 3 years, a 95% rate increase for policies with benefit periods of 5 years and a 125% rate increase for policies with lifetime benefits.

Approved 09/02/2020

Proposed Effective Date:
The increase would be effective on a policy’s next anniversary following the implementation date. Policyowners will be notified at least 60 days prior to the effective date of their increase.

1. Massachusetts Mutual Life Insurance Company
   
   Policy Forms: MM-200-P-MD et al., MM-300-P-MD et al., MM-400-P-MD et al., MM-500-P-MD et al., MM-501-P-MD et al., MM-500-P-1-MD et al., MM-501-P-1-MD et al.; Rate increase schedule below only apply to policies with issue age less than 70 and with inflation protection. (SERFF: MILL-131477951)
   
   For policies with benefit periods less than five years: 21.0% phased-in at 10% for two years.
   
   For policies with benefit periods greater than or equal to five years: 33.1% phased-in at 10% for three years for policies with 5% simple inflation protection, 21.0% phased-in at 10% for two years for policies with 3% compound inflation protection, and 60.2% phased-in at 12.5% for four years for policies with 5% compound inflation protection.
   
   The Company has guaranteed rates for affected policies for 5 years from the time of rate increase implementation.
   
   The Company originally requested an average 115.0% cumulative rate increase phased-in multiple years for all policyholders with the above forms.
   
   Approved 08/25/2020

Proposed Effective Date:
This rate increase will apply to policies on their next policy anniversary date following at least 90-day policyowner notification period after approval.

1. ​Continental Casualty Company

Policy Forms P1-N0080, P1-N0081, P1-N0085, P1-N0086, P1-N0095, P1-N0096, P1-N0100, P1-N0101 (SERFF # CNAB-132209399): 42.3% increase for policyholders with comprehensive coverage and inflation coverage.  The increase will be phased-in over three years as follows: 15% in year 1, 12.5% in year 2 and 10% in year 3.

After the implementation of the rate increase, policyholders with non-lifetime benefit periods will have a three year rate guarantee period. 

The Company originally requested a rate increase of 157.6% for all policyholders with inflation coverage. 

Approved 8/14/2020 

1. ​​​Unum Life Insurance Company of America
   
   Policy Forms: GLTC04, RGLTC04; 10.3% increase for policies with CPI/compound inflation, phased-in at 5% annually over two years. (SERFF: UNUM-131893470)
   
   The Company originally requested an 89% rate increase on policies with CPI/compound inflation and a 44% rate increase on policies with simple inflation.
   
   Approved 12/20/19

Proposed Effective Date: The rate increase will apply to policies on their policy anniversary date following a 60-day policyholder notification period.

Policy Forms: B.LTC, TQB.LTC, GLTC95, TQGLTC95; 6.8% rate increase for policies with no inflation, 25.4% rate increase, phased-in at 12% annually over two years for employer funded policies with compound uncapped inflation, 18.8% rate increase, phased-in at 9% annually over two years for employee paid policies with compound uncapped inflation and a 10.3% rate increase, phased-in at 5% annually over two years for employee paid policies with compound and simple capped inflation . (SERFF: UNUM-131905612)

The Company originally requested a 6.8% rate increase for policies with no inflation, a 113.3% rate increase for employer funded policies with compound uncapped inflation, a 155.9% rate increase for employee paid policies with compound uncapped inflation and a 66.3% rate increase for employee paid policies with compound and simple capped inflation.

Approved 12/20/19

Proposed Effective Date: The rate increase will apply to policies on their policy anniversary date following a 60-day policyholder notification period. 

1. Lincoln National Life Insurance Company
   
   Policy Forms: HL-2500MD (2/91), HL-2950MD (2/95); 10.3% increase, phased-in at 5% annually over two years. (SERFF: TRST-132027258)
   
   The Company originally requested a 15% rate increase.
   
   Approved 12/18/19 

Proposed Effective Date:  The increase will be implemented as soon as possible following approval after fulfillment of all statutory and contractual requirements.

1. Allianz Life Insurance Company of North America

Policy Forms:  10-P-Q-MD et al.(GPR) and 11-P-Q-MD et al.(GP2). (SERFF: ALLB-131810182)

Policy GPR affecting 700 Marylanders was submitted seeking a lifetime rate increase of 60% including 12% in 2019. The OCA asked for modifications due primarily to 1) delays in addressing rate correction and 2) a differing outlook of future and past interest earnings resulting in a 2019 composite rate increase of 11.5% and the removal of a requested rate increase of 10% for a benefit plan with only 12 members.

Policy GP2 affecting 330 Marylanders was submitted seeking a lifetime rate increase of 38% including 12% in 2019. The OCA asked for modifications due primarily to 1) delays in addressing rate correction and 2) a differing outlook for future and past interest earnings resulting in two consecutive annual rate increases of 5.5% and the removal of a requested rate increase of 15% for a benefit plan with only 23 members.

Approved 7/2/2019.

1. Continental Casualty Company (SERFF: CNAB-131638175)
   
   The company wanted a one-time 74.8% rate increase for policy forms: P1-43636-A, et al, SR-LTCP et al, & GLTC-3-P-xx-01 et al. Due to the 15% cap on annual rate increase required by COMAR 31.14.01.04(A)(5), they sought a series of at least four 15%s.
    
   OCA approved a cumulative 20.94% increase phased in over a two year period – 12.5% in year 1, 7.5% in year 2 for policy forms:SR-LTCP et al, & GLTC-3-P-xx-01 et al. Form P1-43636-A, et al with 3 members was withdrawn at OCA's request.
   
   Approved 6/4/2019.

Proposed Effective Date:
The rate increase will apply to certificates on their next premium due date following a notification period at least as long as required by Maryland following approval.

1. Physicians Mutual Insurance Company

Policy Forms:  P103, P104 -- 9.3% overall average rate increase approval (SERFF: PHYS-131513008)

Approved 4/26/2019.

1. John Hancock Life Insurance Company (USA)

Policy Forms:  LTC-06 MD -- 12.5% approval (SERFF: MULF-131481804)

Approved 3/18/2019.

1. ​​​MedAmerica Insurance Company
   
   Policy Forms:  LTC-LBP9-MD, LTC-CD8-MD, LTC-CD9-MA-MD, NTQ11-337-MA-MD-601, LTQ11-336-MA-MD-601, LTQ11-336-MA-MD-1100, HTQ11-338-MA-MD-601, HTQ11-338-MA-MD-1100 -- 12.5% approval (SERFF: MILL-131620912)
   
   Approved 12/11/2018

1. CMFG Life Insurance Company
   
   Policy Form 2006-LTC-COMP; 8.7% increase. (SERFF  CUNA-131038026)
   
   Policy Forms 2002-LTC-FAC & 2002-LTCR-HCC; 9.4% increase (SERFF CUNA-131037997)
   
   Approved 12/07/2018

1. Lincoln Benefit Life Company
   
   Policy Forms:  LB-6301-P-MD, LB-6302-P-MD, LB-6303-P-MD, (Q)&(NQ) -- 10% approval (SERFF: LFCR-131610630)
   
   Approved 12/06/2018.

1. State Farm Mutual Automobile Insurance Company
    
   Policy Form 97045MD.1; 14.1% average increase (increases range from 0% to 15%) (SERFF  STLH-131001036)
   
   Policy Form 97059MD;  7.6% average increase (increases range from 0% to 10%)  (SERFF  STLH-130995970)
   
   Policy Form  97058MD; 9.9% average increase (increases range from 0% to 11.5%)  (SERFF  STLH-130975911)
   
   Approved 12/03/2018

1. Transamerica Premier Life Insurance Company
   
   Policy Forms: ML-LTCP TQ (MD) 197 As ML1, ML-LTCP TQ (MD) 600 As MLPool, FTQ (MD) 197 As Flex 2 TQ, and LTC 5 TQ (MD) 900 As LTC 5 TQ -- 15% approval (SERFF: AEGB-131231289)
   
   Approved 11/29/2018

1. Senior Health Insurance Company of Pennsylvania
   
   Policy Forms 10955, 11001, 10956, CSHIC-5003-MD-2, ATL-FQ-LTC, ATL-HHC-3, ATL-HHC-4, ATL-LTC-1(MD), ATL-LTC-1-MD-93, ATL-LTC-6; 13.4% rate increase for policyholders with a 5% compound lifetime inflation rider (SERFF SHPT-131446922).
   
   Approved 11/26/2018. For this filing, an option is provided to policyholders to freeze future inflation increases and receive a 40% decrease in their current premium.
   
   Policy Forms 10618, 10770, 10853, 10855, 10902, 10922, 10955, 10956, 11001, CSHIC-5000, CSHIC-5003, ATL-FQ-LTC, ATL-HHC-1, ATL-HHC-2, ATL-HHC-3, ATL-HHC-4, ATL-LTC-1, ATL-LTC-3, ATL-LTC-6, ACL-LTC-89, WL-NH-225, WL-CAH-231, 2100-5; 14.7% rate increase, phased in at 7.1% annually for two years.  This increase applies for policyholders with non-zero elimination periods who do not have 5% compound lifetime inflation (SERFF SHPT-131436132).
    
   Approved 11/26/2018
   
   Policy Forms 10618, 10853, 10855, 10902, 10922, 10955, 10956, 11001, CSHIC-5003, ATL-FQ-LTC, ATL-HHC-1, ATL-HHC-2, ATL-HHC-3, ATL-HHC-4, ATL-LTC-1, ATL-LTC-3, ATL-LTC-6, ACL-LTC-89, WL-NH-225, WL-CAH-231, 2100-5; 10.9% rate increase, phased in at 5.3% annually for two years.  This increase applies for policyholders with a 0-day elimination period who do not have 5% compound lifetime inflation (SERFF SHPT-131433314). Approved 11/26/2018.   For this filing, an option is provided to policyholders to downgrade their policy to a 110-day elimination period and receive a 30% decrease in their current premium.

1. Metropolitan Life Insurance Company
   
   Policy Form Series: GCLTCAARP-04-OP;  7.06% increase. (SERFF: META-131547763)
   
   Approved 11/15/2018.

Policy Form Series: G.LTC5398 and G.LTC5498 ;  7.06% increase. (SERFF: META-131547747)

Approved 11/15/2018.

Policy Form Series: LTC2-FAC-MD, LTC2-VAL-MD, LTC2-IDEAL-MD, LTC2-PREM-MD;  8.7% increase. (SERFF: META-131547304)

Approved 11/15/2018.

Policy Form Series: LTC2-FAC-MD, LTC2-VAL-MD, LTC2-IDEAL-MD, LTC2-PREM-MD;  12.5% increase. (SERFF: META-131547301)

Approved 11/15/2018

Policy Form Series: LTC-FAC-MD, LTC-VAL-MD, LTC-IDEAL-MD, LTC-PREM-MD;  12.5% increase. (SERFF: META-131547298)

Approved 11/15/2018

Policy Form Series: 1LTC-97-MD-1, 1LTC-97-MD-2, 2LTC-97-MD-1, 2LTC-97-MD-2;  8.5% increase. (SERFF: META-131547291)

Approved 11/15/2018

1. Metropolitan Life Insurance Company

Policy Form LTC2007 (with policy application dated after April 30, 2009); 5.0% increase. (SERFF: META-131546096).

Approved 11/14/2018

Policy Forms LTC-MD.02 Ed. 11-91,  LTC-E-MD.02 Ed. 11-91,  LTC-MD.02 (RPU) Ed. 11-91,  LTC-E-MD.02 (RPU) Ed. 11-91,  LTC-MD.02 Ed. 11-96,  LTC-E-MD.02 Ed. 11-96,  LTC-MD.02 (RPU) Ed. 11-96,  LTC-E-MD.02 (RPU) Ed. 11-96,  LTC.03,  TCL-LTC.04 (MD) Ed. 4/00; 9.6% increase. (SERFF: META-131544789)

Approved 11/14/2018

1. TIAA-CREF Life Insurance Company
   
   Policy Forms LTC-MD.02 Ed. 11-91,  LTC-E-MD.02 Ed. 11-91,  LTC-MD.02 (RPU) Ed. 11-91,  LTC-E-MD.02 (RPU) Ed. 11-91,  LTC-MD.02 Ed. 11-96,  LTC-E-MD.02 Ed. 11-96,  LTC-MD.02 (RPU) Ed. 11-96,  LTC-E-MD.02 (RPU) Ed. 11-96,  LTC.03,  TCL-LTC.04 (MD) Ed. 4/00; 9.6% increase. (SERFF: META-131547135)
   
   Approved 11/14/2018

1. Teachers Insurance and Annuity Association of America
   
   Policy Forms LTC-MD.02 Ed. 11-91,  LTC-E-MD.02 Ed. 11-91,  LTC-MD.02 (RPU) Ed. 11-91,  LTC-E-MD.02 (RPU) Ed. 11-91,  LTC-MD.02 Ed. 11-96,  LTC-E-MD.02 Ed. 11-96,  LTC-MD.02 (RPU) Ed. 11-96,  LTC-E-MD.02 (RPU) Ed. 11-96,  LTC.03,  TCL-LTC.04 (MD) Ed. 4/00; 9.6% increase. (SERFF: META-131547124)
   
   Approved 11/14/2018

1. Lincoln National Life Insurance Company
   
   Policy Forms HL-2500AA (8/90), HL-2950AA (7/92); 5.0% increase. (SERFF: TRST-131168659).
   
   Approved 11/14/2018

1. MedAmerica Insurance Company

Policy Form Series: SPL2‐336‐MD -- 4.2% approval (SERFF: TRIP-131520118 )

Approved 11/8/2018.pproved 11/8/2018.

1. Continental Casualty Company

Policy Form Series: P1-15203, P1-16356, P1-16928, P1-16944, P1-18215, P1-18220, P1-18876, P1-18878, P1-21295, P1-21300, P1-21305, P1-21925, P1-22435, P1-22436, P1-N0022, P1-N0023, P1-N0026, P1-N0027, P1-N0030, P1-N0031, P1-N0034, P1-N0035, P1-N0066 P1-N0070; 15.6% increase -- phased in at 7.5% annually for two years. (SERFF: CNAB-131409199).

Approved 10/4/2018.

1. Genworth Life Insurance Company:
    
   PrePCS:  Policy Forms 50000, 50001, 50003, 50018, 60394, 60407, 50020, 50021, 50022, 60491, 60494, 7021, 62100; 23.6% increase -- phased in over a two year period – 15% in year one, 7.5% in year two. (SERFF GEFA-131159469)
   
   PCS II:  Policy Forms 7030R, 7032R, 62171, 62172, 62173; 28.8% increase -- phased in over a two year period – 15% in year one, 12% in year two. (SERFF GEFA-131159459)
   
   PCS:  Policy Forms 7000AP, 7020BB, 7020V; 32.3% increase -- phased in over a two year period – 15% in year one, 15% in year two. (SERFF GEFA-131159437)
   
   Choice 2 and Choice 2.1 (AARP Policies): Policy Forms 7044MD, 7044MD Rev; 19.9% increase -- phased in over a two year period – 9.5% in year one, 9.5% in year two. (SERFF GEFA-130998447)
   
   Choice 2 and Choice 2.1 (Non-AARP Policies): Policy Forms 7042MD, 7044MD, 7042MD Rev, 7044MD Rev; 19.9% increase -- phased in over a two year period – 9.5% in year one, 9.5% in year two. (SERFF GEFA-130998397)
   
   Choice 1:  Policy Forms 7035 et al; 15% increase. (SERFF GEFA-131159470)
   
   Approved 9/26/2018

1. Unum Life Insurance Company of America

Policy Form Series: NH5092 et al, LTC5092 et al, LTC94, LTC94Q, LTC99, LTC99Q; 15.6% increase -- phased in at 7.5% annually for two years for policies with uncapped inflation coverage. (SERFF: UNUM-131410665).

Approved 7/3/2018.

1. Northwestern Long Term Care Insurance Company

Policy Form​ Series RR.LTC.(0798), RS.LTC.(1101), RS.LTC.(1007), RS.LTC.(0708), & TT.LTC.(1010), ​8.5% overall average rate increase approval (SERFF: NWST-131263159)

Approved​ 6/19/201​8

Policy Form​ Series GR-N050, GR-N100, GR-N105, GR-N160, GR-N165, GR-N240, GR-N250,  GR-N270, GR-N280, 187R, 206A, 223G, 226A, 226G & 228R, 9% approval (SERFF: BNLB-131315020)

Approved​ 06/19/201​8

1. American General Life Insurance Company:

Policy Form​ Series 64028, ​8% approval (SERFF: LTCG-131180280)
 

Approved​ 5/4/201​8 

1. John Hancock Life Insurance Company:
    
   Custom Care II & Essential Care II:  Policy Forms LTC-03 MD & BSC-03 MD; 15.6% increase -- phased in at 7.5% annually for two years. (SERFF MULF-131257459).
   Custom Care II (2007):  Policy Form LTC-03 MD (2007); 15.6% increase -- phased in at 7.5% annually for two years. (SERFF MULF-131257459).
   Custom Care II Enhanced (2010):  Policy Form LTC-03 MD 6/10; 5.0% increase (SERFF MULF-131257459).
   Custom Care II Enhanced: Policy Form LTC-03 MD 1/08; 5.0% increase (SERFF MULF-131257459).
   
   Approved 4/13/2018.

1. Lincoln Benefit Life Company:
   
   Policy Form​ LB-7000-P-MD(Q) & LB-7000-P-MD(NQ), ​5% approval (SERFF LFCR-131298090)
   
   Approved​ 4/9/201​8

1. Brighthouse Life Insurance Company:
   
   Policy Form​ H-LTC3JP20, et al., ​11.5% approval (SERFF MILL-131114362)
   Policy Form​ H-LTC4JQ9, et al., ​5.0% approval (SERFF MILL-131114339)
   Policy Form​ H-LTC3JQ8, et al., ​5.0% approval (SERFF MILL-131114337)
   Policy Form​ H-LTC2J-30, et al., ​10.0% approval (SERFF MILL-131112553)
   
   Approved​ 4/6/201​8

1. LifeSecure Insurance Company:
   
   Policy Form LS-0002, et al.​; ​5% approval (SERFF LFSC-131226285).
   
   Approved​ 3​/​27/201​8.

1. Physicians Mutual Insurance Company:
    
   Policy Form P145MD, P146MD, P147MD, P148MD (SERFF PHYS-131256231): One average 5% increase.
   Policy Form P103MD,  P104MD (SERFF PHYS-131256076): One average 5% increase.
   Policy Form P130MD,  P131MD (SERFF PHYS-131255832): One 10% increase.
   
   Approved 03/14/18.

1. Brighthouse Life Insurance Company:
   
   Policy Forms​ H-LTC3J, et al., H-5AI-2, H-COLR-3, H-NF3, H-IBOR​; ​15% approval (SERFF MILL-131114280).
   
   Approved​ 3​/​5/201​8.

1. John Hancock Life Insurance Company:
    
   Group Long Term Care:  Policy Form GPB-SPR-0007.02; Maximum increase of 35.0% -- phased in at a maximum allowable increase of 13.5% annually for two years, then 4.8% in year three. (SERFF MULF-130851517).
   
   Corporate Choice:  Policy Form P-FACE(2004) MD; 26.6% increase -- phased in at 12.5% annually for two years (SERFF MULF-130851517).
   
   Additional Consumer Options
   
   For Group Long Term Care, those policyholders with 5% inflation may reduce their inflation protection to 4.1%, and totally offset the rate increase.
   
   For Corporate Choice, those policyholders with 5% inflation may reduce their inflation protection to 4.3%, and totally offset the rate increase.
   
   Approved 1/16/2018.
   

1. ​The Prudential Insurance Company of America:

• Policy Form  83500 BFW 5018 (et al) (SERFF PRUD-130918840): one 8.7% increase.
  
  Approved 1/9/2018.

1. Unum Life Insurance Company of America:
   
   Policy Forms

• ​B.LTC, TQB.LTC, GLTC95, TQGLTC95​; ​5.2% approval (SERFF ​UNUM-130965778).
  
  Approved​ 1​/​4/201​8.

1. MedAmerica Insurance Company:

• Policy Form  SPL2‐336‐MD (SERFF TRIP-130982246): one 4.3% increase.
  
  Approved 1/2/2018.

1. Policy Form SPL-336 (SERFF MILL-130533302 ): two phased-in 15% increases with the landing spot option.

• Policy Form LTC-LBP9-MD, LTC-CD8-MD,  LTC-CD9-MD, NTQ11-337-MA-MD-601,  LTQ11-336-MA-MD-601, LTQ11-336-MA-MD-1100, HTQ11-338-MA-MD-601, HTQ11-338-MA-MD-1100 (SERFF MILL-130993131): one 15% increase.
  
  Approved 12/14/17.

1. John Hancock Life Insurance Company:

Policy Forms ICC10-LTC-11; 7.5% approval (SERFF MULF-131066170).

Approved 12/5/2017.

1. Continental Casualty Company
   
   Policy Forms P1-N0080-A19, P1-N0081-A19, P1-N0085-A19, P1-N0086-A19, P1-N0095-A19, P1-N0096-A19, P1-N0100-A19, P1-N0101-A19, P1-N0075-A19, P1-N0076-A19, P1-N0090-A19, P1-N0091-A19 (Only policyholders with automatic increase benefit rider) (SERFF # CNAB-130903197): 32.25% increase phased in at 15% annually over two years
   
   Approved 11/7/2017

1. Principal Life Insurance Company:
    
   Policy Form FR 142 & FR 601 (SERFF TRIP-130609481): two phased-in 15% increases with the landing spot options.
   
   Policy Form FR 406 (SERFF TRIP-130609234): two phased-in 15% increases with the landing spot options.
   
   Approved 10/03/2017.

1. Transamerica Life Insurance Company:
    
   Policy Form FTQ (MD) 197 as Flex 2 TQ Series, LTC 3 (MD) 1091 (REV92), LTC 3R (MD) 1091 (REV92) as LTC 3 / 4 Series, LTC 5 TQ (MD) 1096 as LTC 5 TQ Series, LTCP (MD) 690 as Golden Care Series, GCPRO-III TQ LTC (MD) 497 and GCPRO-III TQ HHC (MD) 497 as Protector III TQ Series, KLTCP 1 (MD) 690 as Future Care Series, LI-LTCP (MD) 192 and LI-LTCP (MD2) 192 as Future Care 2 NTQ Series, LI-LTCP TQ (MD) 197 as Future Care 2 TQ Series, LI-LTCP TQ (MD) 600 as Future Care Pool TQ Series, LTC-104-194-MD, LTC-105-194-MD, LTC-106-194-MD as TransCare Companion Series, LTC 124-197-MD, LTC 125-197-MD, LTC 126-197-MD as TransCare TQ Series, LTC 304-198-MD, LTC 305-198-MD as TransGenerations Series 3122 (00) 288 (3132 (00) 288) as LTC GRP Series, GLTP 2 1289 & GHHC 1 189 (GLTC 2 1290 & GHHC 1 189 CERT) as LTC 2 GRP Series, GLTP 3 1091 & GLTP 3R 1091 (GLTC 3 1091 & GLTC 3R 1091) as LTC 3/4 GRP Series  (SERFF AEGJ-130628892): one15% increase.
   
   Policy Form GP001 796 (GC001-NH (MD) 796, GC001-LTC (MD) 796, GC001-HCC (MD) 796) (SERFF AEGJ-130630263): one15% increase.
   
   Policy Form TLC 1-FP (MD) 402, TOL 1-FP (MD) 402 and LI 1-FP (MD) 402 (SERFF AEGJ-130643915): one15% increase.
   
   Approved 10/03/17.

1. Metropolitan Life Insurance Company
   
   Policy Form LTC2-FAC-MD, LTC2-VAL-MD, LTC2-IDEAL-MD, LTC2-PREM-MD (Policies with application dates after January 15, 2009) (SERFF META-130997063): one15% increase.
   
   Approved 10/10/2017.

1. Kanawha Insurance Company:
   
   Policy Forms 82000 1/01 MD, 82120 9/01; 32.25% increase -- phased-in at 15% annually over two years (SERFF HUMA-130810366)
   
   Approved 10/11/17

Policy Forms 80650 1/97 MD, 80880 NTQ 1/98 MD; 32.25% Policy Forms 80650 1/97 MD, 80880 NTQ 1/98 MD; 32.25% increase phased-in at 15% annually over two years (SERFF HUMA-130807445)

Approved 10/11/17

1. Maryland Life & Health Insurance Guaranty Corporation on behalf of Penn Treaty Network America Insurance Company:
   
   Policy Forms 2400 et al, 2600 et al, 6000 et al, 6500 et al, HHC et al, HHC92 et al, IL94 et al, LTC et al, LTC-300 et al, LTC91 et al, LTC94 et al, NHP et al; 0-88.9% approval (phased-in at no more than 15% annually) (SERFF LTCG-130993460).
   
   Approved 10/04/2017.

1. John Hancock Life Insurance Company:
    
   Advantage Series:  Policy Forms LTC-MD-91, NH-MD-91, LTC-94 MD, LTC-94-MD 9/94, NH-94-MD; 32.25% increase -- phased in at 15% annually over two years (SERFF MULF-130682001).
   
   Gold Series:  Policy Forms LTC-96 MD 9/96, LTC-96 MD 3/97, LTC-96CL MD 9/96, LTC-96CL MD 3/97, NH-99 MD 4/99, LTC2000 MD 4/00; 40.5% increase -- phased in at 12% annually over three years (SERFF MULF-130682001).
   
   Custom Care Series:  Policy Forms LTC-02MD, BSC-02 MD; 32.25% increase -- phased in at 15% annually over two years (SERFF MULF-130682001).
   
   Additional Consumer Options
   
   For the Advantage series, those policyholders with 5% simple or compound inflation may reduce their inflation protection to 3.9%, and totally offset the rate increase.
   
   For the Gold series, those policyholders with 5% simple or compound inflation may reduce their inflation protection to 4.1%, and totally offset the rate increase.
   
   For the Custom Care series, those policyholders with 5% simple or compound inflation may reduce their inflation protection to 4.3%, and totally offset the rate increase.
   
   Approved 8/1/2017.

1. Lincoln National Life Insurance Company:
   Policy Forms HL-2500AA, HL-2525AA, HL-2550AA, HL-2950AA; 15% approval (SERFF TRST-130818155). Approved 6/29/17.

1. ​John Alden Life Insurance Company:
   Policy Forms J-5762-P-MD, J-5762-R1-MD, J-5875-P-MD, J-5875-P-MD (Q)&(NQ), J-5875-R1-MD (Q)&(NQ), J-5875-R2-MD (Q)&(NQ); 15% approval (SERFF LFCR-130749238).
   Approved 3/29/17. 

1. Physicians Mutual Insurance Company: Policy Forms P145MD, P146MD, P147MD, P148MD; 12% on average approval (SERFF PHYS-130755742). Approved 2/14/17.
2. Physicians Mutual Insurance Company: Policy Forms P103MD, P104MD; 13% on average approval (SERFF PHYS-130755481). Approved 2/14/17.
3. Physicians Mutual Insurance Company: Policy Forms P130MD, P131MD; 15% approval (SERFF PHYS-130732148). Approved 2/14/17.
4. Physicians Mutual Insurance Company: Policy Forms P105MD; 15% approval (SERFF PHYS-130755715). Approved 2/14/17.

Agenda
Video

Actuarial Memoranda

• LifeSecure Insurance Co.
• Lincoln National Life Insurance Co.
• Mutual of Omaha Insurance Co. LTC041
• Mutual of Omaha Insurance Co. LTC0417
• Mutual of Omaha Insurance Co. LTC09M
• Mutual of Omaha Insurance Co. LTC06UI
• Mutual of Omaha Insurance Co. LTC09U

• Genworth Choice 1
• Provident Life and Accident Insurance Co.
• RiverSource 30160A MD Subject to Endorsement Form 32100
• RiverSource 30160A MD
• RiverSource 30225 MD 30225 MD1 30225A MD1 

• Genworth Life Insurance Company Policy Form 7046 MD
• Genworth Life Insurance Company Policy Form 7052 MD
• MedAmerica Insurance Company Form SPL2 336 MD

• Allianz Life Insurance Company of North America
• Genworth Life Insurance Company Policy Forms 7000AP 7020BB 7020V
• Genworth Life Insurance Company Policy Forms 7030R 7032R
• Genworth Life Insurance Company Policy Forms 7042MD 7044MD 7042MD-Rev 7044MD-Rev
• MedAmerica Insurance Company Series 11 and Prior
• MedAmerica Insurance Company Simplicity
• Metropolitan Life Insurance Company Form GCLTCAARP-04-OP
• Metropolitan Life Insurance Company Forms G.LTC5398 G.LTC5498

• Bankers Life and Casualty Company
• Berkshire Life Insurance Company of America
• Brighthouse Life Insurance Company
• Continental Casualty Company
• MedAmerica Insurance Company
  
   

• American General Life Insurance Company
• Lincoln National Life Insurance Company
• Metropolitan Life Insurance Company LTC.04
• Metropolitan Life Insurance Company LTC-97
• Metropolitan Life Insurance Company LTC-2007
• Metropolitan Life Insurance Company VIP
• Metropolitan Life Insurance Company VIP2 Applications dated after January 15, 2009
• Metropolitan Life Insurance Company VIP2 Applications dated on or before January15, 2009
• Teachers Insurance and Annuity Association of America
• TIAA CREF Life Insurance Company
• Time Insurance Company II
• Union Security Insurance Company

• Advantage Policy Series
• Custom Care II 2007 Series
• Custom Care II Series
• Custom Care Series
• Gold Policy Series

Prudential Insurance Company of America

• Individual Long-Term Care Insurance Plan 3R MD
• Individual Long-Term Care Insurance Plan 1 MD
• Individual Long-Term Care Insurance Plan 2 MD
• Individual Long-Term Care Insurance Plan 3 MD

UNUM Life Insurance Company of America

• BLTC, TQB.LTC, GLTC95, TQGLTC95
• GLTC04, RGLTC04

• Allianz Form 10-R3
• Allianz Form 11-R3

• Prudential GLTC2 MD
• Prudential GLTC3 MD
• Prudential GLTC4 MD

• Lincoln Benefit Life Company Senior Linc

Lincoln National Life

• Lincoln National Life Insurance Company LTC1 and LTC2 Series

Medamerica

• MedAmerica Insurance Company Series 11 Prior

Metropolitan Life

• Metropolitan Life Insurance Company AARP Group Policy
• Metropolitan Life Insurance Company AARP Group Policy Flex Choice
• Metropolitan Life Insurance Company AARP Group Policy Flex Choice II
• Metropolitan Life Insurance Company LTC.04
• Metropolitan Life Insurance Company LTC97 Series
• Metropolitan Life Insurance Company LTC 2007 Applications After April 30, 2009
• Metropolitan Life Insurance Company VIP 2 Applications after January 15, 2009
• Metropolitan Life Insurance Company VIP 2 Series
• Metropolitan Life Insurance Company VIP Series

State Farm

• State Farm Mutual Automobile Insurance Company 97045 MD.1
• State Farm Mutual Automobile Insurance Company 97058 MD
• State Farm Mutual Automobile Insurance Company 97059 MD

Teachers Insurance

• Teachers Insurance and Annuity Association of America

TIAA CREF

• TIAA-CREF Life Insurance Company
  

• John Hancock Leading Edge

Massachusetts Mutual

• Massachusetts Mutual Life Insurance Co. 200, 300, 400, 500, 511 Series LTC policies

MedAmerica

• MedAmerica Insurance Company Simplicity II

Senior

• Senior Health Insurance Co. Zero Day without 5% compound inflation
• Senior Health Insurance Co. with 5% compound inflation
• Senior Health Insurance Co. without a Zero Day elimination period or 5% compound inflation 

• Bankers Life and Casualty Company

Continental

• Continental Casualty Company

Northwestern

• Northwestern Long-Term Care Insurance Co. QuietCare RR
• Northwestern Long-Term Care Insurance Co. QuietCare RS
• Northwestern Long-Term Care Insurance Co. QuietCare TT

UNUM Life

• Unum Life Insurance Company of America
  

February 12, 2018

Long-Term Care Hearing Scheduled for February 12, 2018
Public Agenda
Full Transcript
Written Comments
Actuarial Memoranda

John Hancock

• John Hancock Custom Care II
• John Hancock Custom Care II 2007
• John Hancock Custom Care II Enhanced 2010
• John Hancock Custom Care II Enhanced

Life Secure

• Life Secure Insurance Company

Lincoln Benefit

• Lincoln Benefit Life LB 7000

Physicians Mutual

• Physicians Mutual MD 2017 Gen 5 Rate Stability
• Physicians Mutual MD 2017 Gen 3C Loss Ratio
• Physicians Mutual MD 2017 Gen 4C Rate Stability
• Physicians Mutual MD 2017 Gen 4S Rate Stability

Transamerica

• Transamerica Premier MD TPLIC Legacy
• Transamerica Premier MD TPLIC Uni

Brighthouse Life

• Brighthouse Life Insurance Company LTC 2 Comprehensive Product
• Brighthouse Life Insurance Company LTC 3 Comprehensive Product
• Brighthouse Life Insurance Company LTC 3 Plus Comprehensive Product
• Brighthouse Life Insurance Company LTC 3 Plus Tax Qualified Comprehensive Product
• Brighthouse Life Insurance Company LTC 4 Comprehensive Product
• Brighthouse Life Insurance Company LTC 4 Nursing Facility Only

Genworth Life

• Genworth Life Insurance Company Choice 1
• Genworth Life Insurance Company Choice 2 and Choice 2.1 AARP
• Genworth Life Insurance Company Chlice 2 and Choice 2.1 NON AARP
• Genworth Life Insurance Company PCS
• Genworth Life Insurance Company PCS II
• Genworth Life Insurance Company Pre PCS

John Hancock

• John Hancock Life Insurance Company Custom Care 3
  

August 28, 2017

Long-Term Care Hearing Scheduled for August 28, 2017
Public AGENDA
Full Transcript
Written Comments
Actuarial Memoranda

CMFG

• CMFG Life Insurance Company Individual LTC Insurance Plan 2002 Series MD
• CMFG Life Insurance Company Individual LTC Insurance Plan 2006 Series MD

Continental Casualty

• Continental Casualty Company Preferred Solution

MedAmerica

• MedAmerica Insurance Company Series 11 Group
• MedAmerica Insurance Company Series 11 Individual

Metropolitan Life

• Metropolitan Life Insurance Company AARP Group
• Metropolitan Life Insurance Company AARP Group-FlexChoice
• Metropolitan Life Insurance Company AARP Group-FlexChoice 2
• Metropolitan Life Insurance Company Life Stage Advantage Series
• Metropolitan Life Insurance Company VIP 2

Penn Treaty

• Penn Treaty Network America Insurance Company
  

May 15, 2017

Long-Term Care Hearing Scheduled for May 15, 2017
Agenda
Written Comments: Prudential, Myron Miller, Clarke Ellis
Full Transcript
Actuarial Memoranda

John Hancock

• John Hancock Life Insurance Co. GPB-SPR-0007.02
• John Hancock Life Insurance Co. P-Face(2004) MD

Kanawha

• Kanawha Insurance Co. 80650 1/97 MD and 80880 NTQ 1/98 MD
• Kanawha Insurance Co. 82000 1/01 MD and 82120 9/01

Lincoln National

• Lincoln National Life Insurance Co.

Medamerica

• Medamerica Insurance Co.

Prudential

• Prudential Insurance Co. of America Group Long-Term Care

UNUM

• UNUM Life Insurance Co. of America Group Long-Term Care
  

March 6, 2017

Long-Term Care Briefing Scheduled for March 6, 2017
Public Agenda
Full Transcript
Written Comments

January 9, 2017

Long-Term Care Hearing Scheduled for January 9, 2017
Long-Term Care Insurance: Basic Pricing and Rate Increase Concepts (Society of Acturary Presentation) January 9, 2017
Written Testimony Received as of January 9, 2017
Full Transcript
Written Testimony (ACLI January 23, 2017)
Actuarial Memoranda

Bankers Life

• Bankers Life and Casualty Co.

John Alden

• John Alden Life Insurance Co.

Northwestern

• Northwestern Long-Term Care Insurance Co. QuietCare RR
• Northwestern Long-Term Care Insurance Co. QuietCare RS
• Northwestern Long-Term Care Insurance Co. QuietCare TT

Physicians Mutual

• Physicians Mutual Insurance Co. P103, 104
• Physicians Mutual Insurance Co. P105
• Physicians Mutual Insurance Co. P130, 131
• Physicians Mutual Insurance Co. P145, 146, 147 148

Senior Health

• Senior Health Insurance Company of Pennsylvania
  

October 27, 2016

Long-Term Care Insurance Rate Increase Public Hearing Held October 27, 2016
Transcript
Written Testimony Received as of October 21, 2016
Written Testimony Received on or after October 27, 2016
Long-Term Care Insurance: Basic Pricing and Rate Increase Concepts (Society of Actuaries Presentation)

April 28, 2016

Long-Term Care Insurance Public Informational Hearing Held April 28, 2016
Transcript and Affidavit of Corrections
Written Testimony​ ​

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