MassMutual
Public-record file on MassMutual's long-term care insurance business. Four grounded metrics, every figure linked to source. Updated quarterly.
- NAIC #65935 — Massachusetts Mutual Life Insurance Company
1. NAIC Complaint Index
RAW COUNTS ONLY — NO PUBLISHED INDEX
Raw complaint counts for MassMutual's Accident & Health line (which includes LTC) located in regulatory filings, but not a published comparable complaint index. Counts are absolute, not market-share-normalized.
| Year | A&H complaints | LTC-specific |
|---|---|---|
| 2020 | 4 | 2 |
| 2019 | 12 | 5 |
| 2018 | 6 | 3 |
2. Sales status
Discontinued standalone individual LTC sales nationwide in January 2021. Administration of the closed block has been outsourced to LifeCare Assurance Company.
HYBRID PRODUCT OFFERED
CareChoice One; CareChoice Select (whole life + LTC riders)
Source: MassMutual public disclosures; LTC News review (2021)
3. Rate-hike history
| State | Year | Approved | Affected | Context & source |
|---|---|---|---|---|
| Pennsylvania | 2022 | 38.7% Requested: 35.8% |
~4,964 policyholders | Pennsylvania Insurance Department approved an average 38.7% increase, effective for renewals on and after October 14, 2022. Source: Pennsylvania Insurance Department LTC Rate Decision Summary (MassMutual); SERFF Tracking #: MILL-132937942 |
| New York | 2024 | 37.5% | — | NY state regulators approved consecutive annual 37.5% increases for four years starting in 2024. Reported example: $3,181 annual premium in 2024 rising to over $11,000 by 2028. Source: ThinkAdvisor (2025-08-04) |
| National | 2018 | — Requested: 77% |
~54,000 policyholders | Historical: 2018 request for average 77% rate hike affecting approximately 54,000 policyholders. Source: AM Best news coverage (2018) |
4. Block size
IN-FORCE LIVES (LEGACY FIGURE)
72,000
As of 2018
2018 figure tied to the 77% rate-hike request affecting ~54,000 policyholders; total in-force was approximately 72,000. More recent figure not publicly disclosed.
Source: AM Best news (2018)
METRICS DELIBERATELY OMITTED
Claims-paid ratio, denial rate, average elimination period, and lawsuit count are not on this page because they are not reportable per-carrier from public sources. See the Carrier File methodology for the full omission explanation.