{ "title": "Genworth long-term care rate actions by state", "publisher": "The Long Term Care Desk", "url": "https://longtermcaredesk.com/rate-tracker/genworth/", "sourcesLastChecked": "2026-10-11", "note": "Each action carries the URL of the document the figures were read from. Not a complete list of Genworth rate actions.", "states": { "AL": { "state": "Alabama", "actions": [ { "year": 2025, "date": "2025-08-25", "policy_series": "Privileged Choice, Classic Select (non-AARP)", "requested_pct": null, "approved_pct": "0% to 37.5%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5ALNJALGTCh2R9.pdf", "sort": "2025-08-25" }, { "year": 2025, "date": "2025-08-25", "policy_series": "Privileged Choice Flex", "requested_pct": null, "approved_pct": "0% to 37.5%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5ALFlexR4.pdf", "sort": "2025-08-25" }, { "year": 2024, "date": "2024-08-05", "policy_series": "Choice 1 (Alabama group trust)", "requested_pct": null, "approved_pct": "4.85% to 90.40% in total, by benefit period and inflation protection", "phasing": "Four steps", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4ALNJALGTR10.pdf", "sort": "2024-08-05" }, { "year": 2023, "date": "2023-05-30", "policy_series": "Privileged Choice, Classic Select (AARP and non-AARP)", "requested_pct": null, "approved_pct": "15%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4ALGTCh2R8.pdf", "sort": "2023-05-30" }, { "year": 2018, "date": "2018-12-10", "policy_series": "Pre-PCS, PCS I, PCS II group-trust certificates issued in 23 other states", "requested_pct": null, "approved_pct": "Pre-PCS 39% limited / 72% lifetime; PCS I and PCS II 55% limited / 72% lifetime", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V3ALGTR4.pdf", "sort": "2018-12-10" } ], "state_rules": [ { "rule": "Alabama regulates Genworth group-trust certificates issued to residents of other states, so an Alabama approval can raise premiums for certificate holders elsewhere.", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V3ALGTR4.pdf" } ], "lookup_url": null, "note": null }, "AK": { "state": "Alaska", "actions": [ { "year": 2026, "date": "2026-08-17", "policy_series": "Privileged Choice and Classic Select", "requested_pct": null, "approved_pct": "Non-AARP: 15.9% lifetime, 20.8% limited; AARP: 20.5% limited (policies with greater than 1% inflation protection only)", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5AKCh2R12_081726.pdf", "sort": "2026-08-17" }, { "year": 2025, "date": "2025-06-09", "policy_series": "Privileged Choice Flex", "requested_pct": null, "approved_pct": "0% to 27.1% (without Revised Married Discount: lifetime 27.1% or 8.5%, limited 0% or 11.1%; with Revised Married Discount: 0% except limited with greater than 1% inflation protection 8.6%)", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5AKFlex1R6.pdf", "sort": "2025-06-09" }, { "year": 2024, "date": "2024-08-05", "policy_series": "Privileged Choice, Classic Select", "requested_pct": null, "approved_pct": "Non-AARP: 6.3% lifetime, 8.4% limited; AARP: 9.9% limited (policies with greater than 1% inflation protection only)", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4AKCh2R10.pdf", "sort": "2024-08-05" }, { "year": 2022, "date": "2022-08-29", "policy_series": "Privileged Choice, Classic Select", "requested_pct": null, "approved_pct": "Non-AARP: 23.7% limited, 116% lifetime; AARP: 22.2% limited (policies with greater than 1% inflation protection)", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V322AKCh2R8.pdf", "sort": "2022-08-29" }, { "year": 2019, "date": "2019-05-20", "policy_series": "Policy forms 7042, 7044, 7042 Rev, 7044 Rev", "requested_pct": "12.20% (12.00% on the AARP 2019 Round 5 filing)", "approved_pct": "12.20% (12.00% AARP)", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "California Department of Insurance, Long Term Care Rate Increase History, Genworth Life Ins Co (NAIC 70025), as of 12/2019", "source_type": "regulator", "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/05-health/01-ltc/upload/GenworthLifeInsCoLTCRH2019.pdf", "sort": "2019-05-20" }, { "year": 2017, "date": "2017-06-05", "policy_series": "Privileged Choice, Classic Select", "requested_pct": null, "approved_pct": "Non-AARP 35.7%; AARP 37.8%", "phasing": "AARP phased: 15% / 19.8% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/159794V2AKR3.pdf", "sort": "2017-06-05" } ], "state_rules": [ { "rule": "California's multi-state history marks Alaska as not reviewing long-term care rate increase filings (as of 2019). That is California's note about Alaska, not a statement from Alaska's regulator.", "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/05-health/01-ltc/upload/GenworthLifeInsCoLTCRH2019.pdf" } ], "lookup_url": null, "note": "Group certificates and several older rows come from California's multi-state history." }, "AZ": { "state": "Arizona", "actions": [ { "year": 2020, "date": "2020-09-21", "policy_series": "Privileged Choice, Classic Select", "requested_pct": null, "approved_pct": "35.5%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V320AZCh2R4.pdf", "sort": "2020-09-21" }, { "year": 2018, "date": "2018-09-25", "policy_series": "Policy forms 7030, 7031; 7035", "requested_pct": "55 - 72% (55% limited benefits, 72% lifetime benefits)", "approved_pct": "4-38% (7030, 7031); 7-12% (7035)", "phasing": null, "outcome": "approved reduced", "policyholders_affected": null, "serff": null, "source_name": "California Department of Insurance, Long Term Care Rate Increase History, Genworth Life Ins Co (NAIC 70025), as of 12/2019", "source_type": "regulator", "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/05-health/01-ltc/upload/GenworthLifeInsCoLTCRH2019.pdf", "sort": "2018-09-25" }, { "year": 2018, "date": "2018-08-09", "policy_series": "Policy forms 7042, 7044, 7042 Rev, 7044 Rev (rate stability forms)", "requested_pct": "46.20% and 50.30% (two filings)", "approved_pct": "17.00%", "phasing": null, "outcome": "approved reduced", "policyholders_affected": null, "serff": null, "source_name": "California Department of Insurance, Long Term Care Rate Increase History, Genworth Life Ins Co (NAIC 70025), as of 12/2019", "source_type": "regulator", "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/05-health/01-ltc/upload/GenworthLifeInsCoLTCRH2019.pdf", "sort": "2018-08-09" }, { "year": 2018, "date": "2018-02-02", "policy_series": "Policy forms 7042, 7044, 7042 Rev, 7044 Rev (loss ratio forms)", "requested_pct": "51.50%", "approved_pct": "35.00%", "phasing": null, "outcome": "approved reduced", "policyholders_affected": null, "serff": null, "source_name": "California Department of Insurance, Long Term Care Rate Increase History, Genworth Life Ins Co (NAIC 70025), as of 12/2019", "source_type": "regulator", "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/05-health/01-ltc/upload/GenworthLifeInsCoLTCRH2019.pdf", "sort": "2018-02-02" }, { "year": 2017, "date": "2017-06-26", "policy_series": "PCS I (non-AARP, non-Partnership)", "requested_pct": null, "approved_pct": "6.0% limited benefit periods; 58% lifetime benefit periods", "phasing": null, "outcome": "approved reduced", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635AZR3.pdf", "sort": "2017-06-26" } ], "state_rules": [], "lookup_url": null, "note": null }, "AR": { "state": "Arkansas", "actions": [ { "year": 2025, "date": "2025-05-19", "policy_series": "Choice I", "requested_pct": null, "approved_pct": "Lifetime: 13% (no or 1% inflation), 21% (greater than 1% inflation). Limited: 19% (no or 1% inflation), 14% (greater than 1% inflation)", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5ARCh1R11.pdf", "sort": "2025-05-19" }, { "year": 2025, "date": "2025-02-10", "policy_series": "Privileged Choice & Classic Select", "requested_pct": null, "approved_pct": "Non-AARP, greater than 1% inflation: lifetime 25%, limited 15%. AARP, greater than 1% inflation: lifetime 0%, limited 25%. No or 1% inflation: 0%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5ARCh2R10.pdf", "sort": "2025-02-10" }, { "year": 2025, "date": "2025-02-10", "policy_series": "Privileged Choice Flex", "requested_pct": null, "approved_pct": "Greater than 1% inflation: 15% (lifetime and limited). With Revised Married Discount: limited/greater than 1% inflation 15%, lifetime 0%. No or 1% inflation: 0%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5ARFlex1R5.pdf", "sort": "2025-02-10" }, { "year": 2024, "date": "2024-05-13", "policy_series": "Choice 1", "requested_pct": null, "approved_pct": "15% for all four benefit-period and inflation groups", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4ARCh1R10.pdf", "sort": "2024-05-13" }, { "year": 2024, "date": "2024-02-05", "policy_series": "Privileged Choice & Classic Select (AARP and non-AARP); Privileged Choice Flex", "requested_pct": null, "approved_pct": "15%, except 0% for limited benefit periods with no or 1% inflation", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4ARCh2R9.pdf", "sort": "2024-02-05" }, { "year": 2023, "date": "2023-01-30", "policy_series": "Privileged Choice & Classic Select (AARP and non-AARP); Privileged Choice Flex", "requested_pct": null, "approved_pct": "25% for policies with greater than 1% inflation protection", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4ARCh2R8.pdf", "sort": "2023-01-30" }, { "year": 2023, "date": "2023-01-03", "policy_series": "PCS I and PCS II", "requested_pct": null, "approved_pct": "PCS I: 1.8% (limited), 12.6% (lifetime). PCS II: 25%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4AROBLSPOR9.pdf", "sort": "2023-01-03" } ], "state_rules": [], "lookup_url": null, "note": null }, "CA": { "state": "California", "actions": [ { "year": 2026, "date": "2026-07-20", "policy_series": "Choice I (California Partnership, policy form 7037C)", "requested_pct": null, "approved_pct": "40% phased", "phasing": "13.3%, 13.3%, 13.4% simple", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5CAPCH1R10_072026.pdf", "sort": "2026-07-20" }, { "year": 2024, "date": "2024-08-26", "policy_series": "PCS II, Choice 1 (non-Partnership, issued before 7/1/2002)", "requested_pct": null, "approved_pct": "0% to 60% (PCS II: lifetime 12.1% or 60% phased, limited 0% or 43.3% phased; Choice 1: 17.5% or 43.5% phased)", "phasing": "Phased amounts in two steps: 26.5%, 26.5% (60%); 19.7%, 19.7% (43.3%); 19.8%, 19.8% (43.5%), compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4CANPCS2Ch1R9.pdf", "sort": "2024-08-26" }, { "year": 2024, "date": "2024-08-26", "policy_series": "PCS II, Choice 1, Choice 1 CADE, Choice 1 Unbundled, Choice 1 Reprice (non-Partnership, issued on or after 7/1/2002)", "requested_pct": null, "approved_pct": "41.4% to 96.3% phased", "phasing": "96.3% as 25.2%, 25.2%, 25.2%; 78.5% as 21.3%, 21.3%, 21.3%; 41.8% as 19.1%, 19.1%; 41.4% as 18.9%, 18.9% (all compounded)", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4CANPCS2Ch1R8.pdf", "sort": "2024-08-26" }, { "year": 2023, "date": "2023-03-27", "policy_series": "Pre-PCS (non-Partnership)", "requested_pct": null, "approved_pct": "0% limited benefit period; 63.1% phased lifetime benefit period", "phasing": "17.7%, 17.7%, 17.7% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4CANPR6.pdf", "sort": "2023-03-27" }, { "year": 2022, "date": "2022-03-14", "policy_series": "PCS II, Choice 1 (non-Partnership, issued before 7/1/2002)", "requested_pct": null, "approved_pct": "PCS II: 36% limited, 101.6% phased lifetime; Choice 1: 44% phased limited, 131% phased lifetime", "phasing": "101.6% as 42%, 42%; 44% as 20%, 20%; 131% as 52%, 52% (compounded)", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V322CAOBR6.pdf", "sort": "2022-03-14" }, { "year": 2022, "date": "2022-03-14", "policy_series": "PCS II, Choice 1, Unbundled, Reprice, California Discount Enhancement (CADE) (non-Partnership, issued on or after 7/1/2002)", "requested_pct": null, "approved_pct": "0% limited benefit period; 51% lifetime benefit period", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V322CANPR6.pdf", "sort": "2022-03-14" }, { "year": 2021, "date": "2021-08-09", "policy_series": "California Partnership: Choice 1, Choice 1 Reprice AARP, Choice 1 Unbundled AARP", "requested_pct": null, "approved_pct": "Choice 1: 57.4%; Choice 1 Reprice AARP: 56.9%; Choice 1 Unbundled AARP: 81.7% (each includes a 40% increase approved in 2020 plus an unimplemented 2015 approval)", "phasing": "Choice 1 over five years: 13.3%, 13.3%, 13.3%, 13.3%, 4.2% simple; the AARP series over six years", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V321Ch1CAPR7Rev.pdf", "sort": "2021-08-09" }, { "year": 2019, "date": "2019-02-19", "policy_series": "Non-Partnership: Pre-PCS, PCS I, PCS II, Choice 1, CADE, CA-Reprice, Unbundled", "requested_pct": null, "approved_pct": "80% (PCS I, PCS II, Choice 1); 45% (Pre-PCS, CADE, CA-Reprice, Unbundled)", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V319CANPRSLR.pdf", "sort": "2019-02-19" } ], "state_rules": [ { "rule": "California does not approve an increase above 40% on California Partnership policies. Genworth's notices show those increases phased so no single year is above 13.3%.", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V321Ch1CAPR7Rev.pdf" }, { "rule": "The California Department of Insurance publishes a rate increase history for each long-term care insurer, covering California and other states.", "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/05-health/01-ltc/rate-history.cfm" } ], "lookup_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/05-health/01-ltc/rate-history.cfm", "note": null }, "CO": { "state": "Colorado", "actions": [ { "year": 2025, "date": "2025-04-28", "policy_series": "PCS I and PCS II", "requested_pct": null, "approved_pct": "PCS I: 20% (lifetime and limited). PCS II lifetime: 19% (no or 1% inflation protection), 17% (greater than 1%). PCS II limited: 0% (no or 1%), 17% (greater than 1%)", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5COPCSPCS2R11.pdf", "sort": "2025-04-28" }, { "year": 2024, "date": "2024-05-27", "policy_series": "Privileged Choice Flex (non-Revised Married Discount policies)", "requested_pct": null, "approved_pct": "Limited benefit period: 52.9% (greater than 1% inflation protection), not applicable (no or 1%). Lifetime: 26.3% (no or 1%), 82.5% (greater than 1%)", "phasing": "52.9%: 15.2% x3; 26.3%: 12.4% x2; 82.5%: 22.2% x3, all compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4COFlexR4.pdf", "sort": "2024-05-27" }, { "year": 2023, "date": "2023-05-22", "policy_series": "Privileged Choice and Classic Select", "requested_pct": null, "approved_pct": "Limited benefit period: 57.7% (greater than 1% inflation protection), not applicable (no or 1%). Lifetime: 33.9% (no or 1%), 126.4% (greater than 1%)", "phasing": "57.7%: 16.4% x3; 33.9%: 15.7% x2; 126.4%: 31.3% x3, all compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4COCh2R8.pdf", "sort": "2023-05-22" }, { "year": 2023, "date": "2023-05-08", "policy_series": "Choice 1", "requested_pct": null, "approved_pct": "Limited benefit period: 39.5% (greater than 1% inflation protection), not applicable (no or 1%). Lifetime: 66.4% (no or 1%), 38.1% (greater than 1%)", "phasing": "39.5%: 18.1% x2; 66.4%: 18.5% x3; 38.1%: 17.5% x2, all compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4COLSPOR9.pdf", "sort": "2023-05-08" }, { "year": 2021, "date": "2021-07-19", "policy_series": "Privileged Choice Flex", "requested_pct": null, "approved_pct": "31.3%", "phasing": "14.6%, 14.6% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V321COFlexR1.pdf", "sort": "2021-07-19" } ], "state_rules": [], "lookup_url": null, "note": null }, "CT": { "state": "Connecticut", "actions": [ { "year": 2026, "date": null, "policy_series": "Individual policies sold in Connecticut from 2002 to 2005 (Partnership and non-Partnership)", "requested_pct": "58.5% to 98.2%", "approved_pct": "32% to 65%", "phasing": null, "outcome": "approved reduced", "policyholders_affected": null, "serff": null, "source_name": "Connecticut Office of Policy and Management, Connecticut Partnership for Long-Term Care Quarterly Update (July to September 2026)", "source_type": "regulator", "source_url": "https://portal.ct.gov/-/media/opm/hhs/ltc/july26.pdf", "note_public": "Decided July 2026.", "sort": "2026-00-00" }, { "year": 2026, "date": null, "policy_series": "Individual policies sold in Connecticut from 2004 to 2012 (Partnership and non-Partnership)", "requested_pct": "20% to 212%", "approved_pct": "27.1% to 42.3%", "phasing": null, "outcome": "approved reduced", "policyholders_affected": null, "serff": null, "source_name": "Connecticut Office of Policy and Management, Connecticut Partnership for Long-Term Care Quarterly Update (July to September 2026)", "source_type": "regulator", "source_url": "https://portal.ct.gov/-/media/opm/hhs/ltc/july26.pdf", "note_public": "Decided July 2026.", "sort": "2026-00-00" }, { "year": 2024, "date": "2024-05-20", "policy_series": "Privileged Choice Flex (non-Revised Married Discount policies)", "requested_pct": null, "approved_pct": "33.1% to 104.6%", "phasing": "33.1%: 10%,10%,10% compounded; 55.3%: 15.8%,15.8%,15.8% compounded; 104.6%: 19.6%,19.6%,19.6%,19.6% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4CTFlexR4.pdf", "sort": "2024-05-20" }, { "year": 2024, "date": null, "policy_series": "Flex I policies sold to individuals in Connecticut from 2012 to 2014 (Partnership and non-Partnership)", "requested_pct": "76.4% average (46.1% to 139.0%)", "approved_pct": "50% average (0%, 30%, 50% and 90% by benefit period and inflation type)", "phasing": null, "outcome": "approved reduced", "policyholders_affected": null, "serff": null, "source_name": "Connecticut Office of Policy and Management, Connecticut Partnership for Long-Term Care Quarterly Update (July to September 2024)", "source_type": "regulator", "source_url": "https://portal.ct.gov/-/media/opm/hhs/ltc/july24.pdf", "sort": "2024-00-00" }, { "year": 2023, "date": "2023-12-18", "policy_series": "PCS II", "requested_pct": null, "approved_pct": "79% to 185%", "phasing": "79%: 21.41% x3 compounded; 98%: 25.57% x3 compounded; 185%: 41.78% x3 compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4CTLSPOR9.pdf", "sort": "2023-12-18" }, { "year": 2023, "date": "2023-02-20", "policy_series": "Pre-PCS, PCS I (lifetime benefit periods)", "requested_pct": null, "approved_pct": "32.2% (Pre-PCS); 35.3% (PCS I)", "phasing": "PCS I: 10.6%, 10.6%, 10.6% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4CTR9.pdf", "sort": "2023-02-20" }, { "year": 2023, "date": null, "policy_series": "Individual policies sold in Connecticut from 2004 to 2012 (Partnership and non-Partnership)", "requested_pct": "119% average", "approved_pct": "25% - 60%", "phasing": null, "outcome": "approved reduced", "policyholders_affected": null, "serff": null, "source_name": "Connecticut Office of Policy and Management, Connecticut Partnership for Long-Term Care Quarterly Update (July to September 2023)", "source_type": "regulator", "source_url": "https://portal.ct.gov/-/media/opm/hhs/ltc/july23.pdf", "sort": "2023-00-00" }, { "year": 2023, "date": null, "policy_series": "Individual policies sold in Connecticut from 2002 to 2005 (Partnership and non-Partnership)", "requested_pct": "136%", "approved_pct": "37% - 45%", "phasing": null, "outcome": "approved reduced", "policyholders_affected": null, "serff": null, "source_name": "Connecticut Office of Policy and Management, Connecticut Partnership for Long-Term Care Quarterly Update (July to September 2023)", "source_type": "regulator", "source_url": "https://portal.ct.gov/-/media/opm/hhs/ltc/july23.pdf", "sort": "2023-00-00" }, { "year": 2022, "date": null, "policy_series": "Individual policies (series not named)", "requested_pct": null, "approved_pct": "97% average (79% to 173%)", "phasing": null, "outcome": "approved reduced", "policyholders_affected": 2000, "source_name": "CT Mirror, January 27, 2025", "source_type": "press", "source_url": "https://ctmirror.org/2025/01/27/genworth-financial-ct-long-term-care-insurance/", "note_public": "More than 2,000 Connecticut policyholders. Slightly less than Genworth asked for.", "sort": "2022-00-00" } ], "state_rules": [], "lookup_url": null, "note": null }, "DE": { "state": "Delaware", "actions": [ { "year": 2024, "date": "2024-05-06", "policy_series": "Choice 1", "requested_pct": null, "approved_pct": "15.8% to 96.7%", "phasing": "Three annual steps: limited no/1% inflation 15.8% (5%, 5%, 5%); limited >1% inflation 96.7% (25.3% x3); lifetime no/1% 68.9% (19.1% x3); lifetime >1% 92.5% (24.4% x3), compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4DECh1R9.pdf", "sort": "2024-05-06" }, { "year": 2018, "date": "2018-12-10", "policy_series": "Pre-PCS, PCS I, PCS II group-trust certificates (group policy issued in Alabama)", "requested_pct": null, "approved_pct": "Pre-PCS 39% limited / 72% lifetime; PCS I and PCS II 55% limited / 72% lifetime", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V3ALGTR4.pdf", "sort": "2018-12-10" } ], "state_rules": [], "lookup_url": null, "note": null }, "DC": { "state": "District of Columbia", "actions": [ { "year": 2026, "date": "2026-08-17", "policy_series": "My Future, My Plan 1.0 and 2.0 (group certificates; decided by Washington, D.C.)", "requested_pct": null, "approved_pct": "10%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5DCMFMP1&2R6_081726.pdf", "sort": "2026-08-17" }, { "year": 2024, "date": "2024-08-05", "policy_series": "My Future, My Plan 1.0 and 2.0", "requested_pct": null, "approved_pct": "10%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4DCMFMP1&2R4.pdf", "sort": "2024-08-05" }, { "year": 2023, "date": "2023-12-04", "policy_series": "AARP Group", "requested_pct": null, "approved_pct": "10%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4DCAARPR3.pdf", "sort": "2023-12-04" }, { "year": 2023, "date": "2023-04-17", "policy_series": "Privileged Choice, Classic Select; Privileged Choice Flex; Choice 1; My Future, My Plan 1.0 and 2.0", "requested_pct": null, "approved_pct": "10% (9.7% for one Privileged Choice/Classic Select lifetime cell)", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4DCCh1R9.pdf", "sort": "2023-04-17" }, { "year": 2021, "date": "2021-04-05", "policy_series": "Privileged Choice, Classic Select (AARP and non-AARP)", "requested_pct": null, "approved_pct": "10%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V321DCR6FBO.pdf", "sort": "2021-04-05" } ], "state_rules": [], "lookup_url": null, "note": "Washington, D.C. also decides increases for AARP Group and My Future, My Plan certificates held in many other states." }, "FL": { "state": "Florida", "actions": [ { "year": 2018, "date": null, "policy_series": "Series not named in the report", "requested_pct": "310%", "approved_pct": "130%", "phasing": null, "outcome": "approved reduced", "policyholders_affected": null, "serff": null, "source_name": "WFTV Action 9 (Orlando), published January 8, 2019", "source_type": "press", "source_url": "https://www.wftv.com/news/action-9/action-9-investigates-insurance-premium-hikes/900641993", "date_label": "2018 (approx.)", "note_public": "Florida's regulator told WFTV the approval came with a seven-year lock against more increases.", "sort": "2018-00-00" } ], "state_rules": [], "lookup_url": null, "note": "An agent notice from 2018 reported a phased 98.1% increase on Privileged Choice and Classic Select. That notice is no longer online and we could not re-check it, so it is not in the table. We found no Florida action after 2018." }, "GA": { "state": "Georgia", "actions": [ { "year": 2025, "date": "2025-07-14", "policy_series": "PCS II; Choice I", "requested_pct": null, "approved_pct": "15% (0% for PCS II limited benefit period with no or 1% inflation protection)", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5GAPCS2Ch1R11.pdf", "sort": "2025-07-14" }, { "year": 2024, "date": "2024-01-15", "policy_series": "Privileged Choice, Classic Select (AARP and non-AARP)", "requested_pct": null, "approved_pct": "15% (0% for limited benefit period with no or 1% inflation protection)", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4GACh2R9.pdf", "sort": "2024-01-15" }, { "year": 2019, "date": "2019-12-09", "policy_series": "Privileged Choice, Classic Select (AARP and non-AARP)", "requested_pct": null, "approved_pct": "12%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V319GAR5SPO_120919.pdf", "sort": "2019-12-09" } ], "state_rules": [], "lookup_url": null, "note": null }, "HI": { "state": "Hawaii", "actions": [ { "year": 2025, "date": "2025-08-25", "policy_series": "PCS II", "requested_pct": null, "approved_pct": "112% phased lifetime benefit periods; 64.6% phased limited benefit periods", "phasing": "45.6%, 45.6% compounded (lifetime); 28.3%, 28.3% compounded (limited)", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5HIPCS2R8.pdf", "sort": "2025-08-25" }, { "year": 2024, "date": "2024-01-29", "policy_series": "Pre-PCS, PCS I", "requested_pct": null, "approved_pct": "Pre-PCS: 38.9% phased limited, 114.1% phased lifetime; PCS I: 71.72% phased limited, 130.9% phased lifetime", "phasing": "Pre-PCS: 25%, 11.1% / 25%, 25%, 25%, 9.6%; PCS I: 25%, 25%, 9.9% / 25%, 25%, 25%, 18.2% (compounded)", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4HIOB-R8R7.pdf", "sort": "2024-01-29" }, { "year": 2017, "date": "2017-08-14", "policy_series": "Policy forms 7035", "requested_pct": "67 - 100% (67% limited benefits, 100% lifetime benefits)", "approved_pct": "68.50%", "phasing": null, "outcome": "approved reduced", "policyholders_affected": null, "serff": null, "source_name": "California Department of Insurance, Long Term Care Rate Increase History, Genworth Life Ins Co (NAIC 70025), as of 12/2019", "source_type": "regulator", "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/05-health/01-ltc/upload/GenworthLifeInsCoLTCRH2019.pdf", "sort": "2017-08-14" }, { "year": 2017, "date": "2017-08-14", "policy_series": "Policy forms 7042, 7044, 7042 Rev, 7044 Rev", "requested_pct": "12.80%", "approved_pct": "8.90%", "phasing": null, "outcome": "approved reduced", "policyholders_affected": null, "serff": null, "source_name": "California Department of Insurance, Long Term Care Rate Increase History, Genworth Life Ins Co (NAIC 70025), as of 12/2019", "source_type": "regulator", "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/05-health/01-ltc/upload/GenworthLifeInsCoLTCRH2019.pdf", "sort": "2017-08-14" } ], "state_rules": [], "lookup_url": null, "note": null }, "ID": { "state": "Idaho", "actions": [ { "year": 2021, "date": "2021-08-30", "policy_series": "PCS I, PCS II, Choice 1", "requested_pct": null, "approved_pct": "PCS I: 36% phased limited, 45.1% phased lifetime; PCS II and Choice 1: 29.9% phased", "phasing": "36% as 10.8%, 10.8%, 10.8%; 45.1% as 13.2%, 13.2%, 13.2%; 29.9% as 9.1%, 9.1%, 9.1% (compounded)", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V321IDSPOR7.pdf", "sort": "2021-08-30" }, { "year": 2017, "date": "2017-07-20", "policy_series": "Policy forms 7040 (group)", "requested_pct": "100.00%", "approved_pct": "35.00%", "phasing": null, "outcome": "approved reduced", "policyholders_affected": null, "serff": null, "source_name": "California Department of Insurance, Long Term Care Rate Increase History, Genworth Life Ins Co (NAIC 70025), as of 12/2019", "source_type": "regulator", "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/05-health/01-ltc/upload/GenworthLifeInsCoLTCRH2019.pdf", "sort": "2017-07-20" }, { "year": 2017, "date": "2017-02-16", "policy_series": "Policy forms 7042, 7044, 7042 Rev, 7044 Rev", "requested_pct": "53.30% (AARP 2017 Round 2 filing)", "approved_pct": "15.00%", "phasing": null, "outcome": "approved reduced", "policyholders_affected": null, "serff": null, "source_name": "California Department of Insurance, Long Term Care Rate Increase History, Genworth Life Ins Co (NAIC 70025), as of 12/2019", "source_type": "regulator", "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/05-health/01-ltc/upload/GenworthLifeInsCoLTCRH2019.pdf", "sort": "2017-02-16" }, { "year": 2016, "date": "2016-05-09", "policy_series": "Policy forms 50023, 7021; 7000, 7020; 7031, 7032; 7035", "requested_pct": "43% to 111% depending on form and benefit period", "approved_pct": "15.00%", "phasing": null, "outcome": "approved reduced", "policyholders_affected": null, "serff": null, "source_name": "California Department of Insurance, Long Term Care Rate Increase History, Genworth Life Ins Co (NAIC 70025), as of 12/2019", "source_type": "regulator", "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/05-health/01-ltc/upload/GenworthLifeInsCoLTCRH2019.pdf", "sort": "2016-05-09" } ], "state_rules": [], "lookup_url": null, "note": null }, "IL": { "state": "Illinois", "actions": [ { "year": 2026, "date": "2026-03-02", "policy_series": "Choice I", "requested_pct": null, "approved_pct": "Issued before 1/1/2003: lifetime 70.8% phased (no or 1% inflation) or 94.3% phased (greater than 1% inflation); limited 0% (no or 1% inflation) or 95.2% phased (greater than 1% inflation). Issued on or after 1/1/2003: lifetime 160.5% phased (no or 1% inflation) or 198% phased (greater than 1% inflation); limited 0% (no or 1% inflation) or 191.8% phased (greater than 1% inflation)", "phasing": "70.8% as (30.7%, 30.7% compounded); 94.3% as (39.4%, 39.4% compounded); 95.2% as (39.7, 39.7% compounded); 160.5% as (37.6%, 37.6%, 37.6% compounded); 198% as (43.9%, 43.9%, 43.9% compounded); 191.8% as (42.9%, 42.9%, 42.9% compounded)", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5ILCh1R10_030226.pdf", "sort": "2026-03-02" }, { "year": 2026, "date": "2026-03-02", "policy_series": "PCS I (policies issued before 1/1/2003)", "requested_pct": null, "approved_pct": "11.2% (lifetime benefit periods); 0% (limited benefit periods)", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5ILPCS1R12%20_030226.pdf", "sort": "2026-03-02" }, { "year": 2024, "date": "2024-10-07", "policy_series": "PCS II (policies issued before 1/1/2003)", "requested_pct": null, "approved_pct": "Lifetime: 28.6% (no or 1% inflation), 85.8% phased (greater than 1% inflation). Limited: not applicable (no or 1% inflation), 74.6% phased (greater than 1% inflation)", "phasing": "85.8% as (36.3%, 36.3% compounded); 74.6% as (32.1%, 32.1% compounded)", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4ILPCS2R10.pdf", "sort": "2024-10-07" }, { "year": 2017, "date": "2017-07-17", "policy_series": "Privileged Choice and Classic Select", "requested_pct": null, "approved_pct": "51.5%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/159794V2ILR1.pdf", "sort": "2017-07-17" } ], "state_rules": [], "lookup_url": null, "note": null }, "IN": { "state": "Indiana", "actions": [ { "year": 2023, "date": "2023-12-21", "policy_series": "Individual long-term care, forms 7000 et al, 7020 et al", "requested_pct": "226.9%", "approved_pct": null, "phasing": null, "outcome": "pending", "policyholders_affected": 6138, "serff": "GEFA-133923854", "source_name": "Indiana Department of Insurance, Rate Watch data file", "source_type": "regulator", "source_url": "https://www.in.gov/idoi/files/All_Rate_Watch_Filings.csv", "sort": "2023-12-21" }, { "year": 2023, "date": "2023-12-21", "policy_series": "Individual long-term care, forms 7037B et al", "requested_pct": "225.2%", "approved_pct": null, "phasing": null, "outcome": "pending", "policyholders_affected": 2985, "serff": "GEFA-133923833", "source_name": "Indiana Department of Insurance, Rate Watch data file", "source_type": "regulator", "source_url": "https://www.in.gov/idoi/files/All_Rate_Watch_Filings.csv", "sort": "2023-12-21" }, { "year": 2023, "date": "2023-02-27", "policy_series": "PCS I, PCS II, Choice 1, Privileged Choice and Classic Select (Partnership, Non-Partnership and AARP)", "requested_pct": null, "approved_pct": "Three-phase increase; the notice gives no percentages", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635INRem.pdf", "note_public": "Phase 2 was paused on November 8, 2022 in coordination with the Indiana regulator and resumed on February 27, 2023.", "sort": "2023-02-27" }, { "year": 2021, "date": "2021-09-11", "policy_series": "Individual long-term care, forms 50024A, 7045IN Rev, 7045IN, 7043IN Rev, 7043IN and others", "requested_pct": "68.8%", "approved_pct": "17.3%", "phasing": null, "outcome": "approved reduced", "policyholders_affected": 14652, "serff": "GEFA-131319421", "source_name": "Indiana Department of Insurance, Rate Watch data file", "source_type": "regulator", "source_url": "https://www.in.gov/idoi/files/All_Rate_Watch_Filings.csv", "sort": "2021-09-11" }, { "year": 2021, "date": "2021-07-30", "policy_series": "Individual long-term care, form 7052 INP", "requested_pct": "51.6%", "approved_pct": "8%", "phasing": null, "outcome": "approved reduced", "policyholders_affected": 2626, "serff": "GEFA-132654644", "source_name": "Indiana Department of Insurance, Rate Watch data file", "source_type": "regulator", "source_url": "https://www.in.gov/idoi/files/All_Rate_Watch_Filings.csv", "sort": "2021-07-30" }, { "year": 2019, "date": "2019-09-20", "policy_series": "Individual long-term care, forms 50000 et al, 7021 et al, 6484 et al, 62100 et al", "requested_pct": "140.1%", "approved_pct": null, "phasing": null, "outcome": "denied", "policyholders_affected": 2218, "serff": "GEFA-131306370", "source_name": "Indiana Department of Insurance, Rate Watch data file", "source_type": "regulator", "source_url": "https://www.in.gov/idoi/files/All_Rate_Watch_Filings.csv", "note_public": "Filed December 2017; closed as disapproved in September 2019.", "sort": "2019-09-20" }, { "year": 2016, "date": "2016-07-05", "policy_series": "Individual long-term care, forms 50024A, 7044 Rev et al, 7042 Rev et al and others", "requested_pct": "87.1%", "approved_pct": "13.8%", "phasing": null, "outcome": "approved reduced", "policyholders_affected": 15088, "serff": "GEFA-130261848", "source_name": "Indiana Department of Insurance, Rate Watch data file", "source_type": "regulator", "source_url": "https://www.in.gov/idoi/files/All_Rate_Watch_Filings.csv", "sort": "2016-07-05" } ], "state_rules": [], "lookup_url": "https://www.in.gov/idoi/compliance-rates-and-forms/rate-watch2/", "note": null }, "IA": { "state": "Iowa", "actions": [ { "year": 2024, "date": "2024-01-15", "policy_series": "Privileged Choice & Classic Select", "requested_pct": null, "approved_pct": "Non-AARP: limited/greater than 1% inflation 70.2% phased; lifetime/greater than 1% inflation 164.3% phased; lifetime/no or 1% inflation 24.3%. AARP: limited/greater than 1% inflation 71.5% phased; lifetime not applicable", "phasing": "70.2% as (19.4%, 19.4%, 19.4% compounded); 164.3% as (27.5%, 27.5%, 27.5%, 27.5% compounded); 71.5% as (19.7%, 19.7%, 19.7% compounded)", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4IACh2R9.pdf", "sort": "2024-01-15" }, { "year": 2024, "date": "2024-01-15", "policy_series": "Privileged Choice Flex", "requested_pct": null, "approved_pct": "Limited: 0% (no or 1% inflation), 131.1% phased (greater than 1% inflation). Lifetime: 10.4% (no or 1% inflation), 190% phased (greater than 1% inflation). With Revised Married Discount: limited/greater than 1% inflation 110.8% phased; all other groups 0%", "phasing": "131.1% as (23.3%, 23.3%, 23.3%, 23.3% compounded); 190% as (30.5%, 30.5%, 30.5%, 30.5% compounded); 110.8% as (20.5%, 20.5%, 20.5%, 20.5% compounded)", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4IAFlexR4.pdf", "sort": "2024-01-15" }, { "year": 2019, "date": "2019-07-08", "policy_series": "Privileged Choice and Classic Select", "requested_pct": null, "approved_pct": "Non-AARP 27.3% phased; AARP 30% phased", "phasing": "Non-AARP: 17.9%, 8.0% cumulative. AARP: 17.9%, 10.26% cumulative", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V319IACh2SPO.pdf", "sort": "2019-07-08" }, { "year": 2019, "date": "2019-05-27", "policy_series": "Pre-PCS, PCS I, PCS II, Choice 1", "requested_pct": null, "approved_pct": "39% phased (Pre-PCS and PCS I, all benefit periods; PCS II and Choice, limited benefit periods); 63.89% phased (PCS II and Choice, lifetime benefit periods)", "phasing": "39% as 17.9%, 17.9% cumulative; 63.89% as 17.9%, 17.9%, 17.9% cumulative", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V219IAR5.pdf", "sort": "2019-05-27" } ], "state_rules": [ { "rule": "Iowa law requires the Iowa Insurance Division to review long-term care rate increases, and the insurer must document the need. The page states no cap or phase-in rule.", "source_url": "https://iid.iowa.gov/consumer-connection/2023-11-09/consumer-connection-long-term-care-insurance-premium-increases" } ], "lookup_url": null, "note": null }, "KS": { "state": "Kansas", "actions": [ { "year": 2021, "date": "2021-11-29", "policy_series": "Privileged Choice and Classic Select", "requested_pct": null, "approved_pct": "53%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V321KSCh2R6.pdf", "sort": "2021-11-29" }, { "year": 2021, "date": "2021-11-29", "policy_series": "Privileged Choice Flex", "requested_pct": null, "approved_pct": "13.4%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V321KSFlexR1.pdf", "sort": "2021-11-29" }, { "year": 2021, "date": "2021-11-29", "policy_series": "My Future, My Plan 1.0, 2.0 and AARP Group (group certificates)", "requested_pct": null, "approved_pct": "26.1%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V321KSMFMPR1.pdf", "sort": "2021-11-29" }, { "year": 2020, "date": "2020-01-28", "policy_series": "Privileged Choice and Classic Select", "requested_pct": null, "approved_pct": "37.2%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "GoldenCare agent notice restating Genworth bulletin (Wayback Machine copy; live page now 404)", "source_type": "agent notice", "source_url": "http://web.archive.org/web/20211130072621/https://goldencareagent.com/in-force-rate-action-announcement-kansas-privileged-choice-and-classic-select-2/", "sort": "2020-01-28" }, { "year": 2019, "date": "2019-12-30", "policy_series": "Pre-PCS, PCS I, PCS II, Choice 1", "requested_pct": null, "approved_pct": "Pre-PCS: 39% (limited), 117% (lifetime). PCS I, PCS II, Choice 1: 55% (limited), 72% (lifetime)", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V319KSR4.pdf", "sort": "2019-12-30" }, { "year": 2017, "date": "2017-08-15", "policy_series": "Privileged Choice and Classic Select", "requested_pct": null, "approved_pct": "40%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "GoldenCare agent notice restating Genworth bulletin (Wayback Machine copy; live page now 404)", "source_type": "agent notice", "source_url": "http://web.archive.org/web/20230604140458/https://goldencareagent.com/in-force-rate-action-announcement-kansas-privileged-choice-and-classic-select/", "sort": "2017-08-15" } ], "state_rules": [], "lookup_url": null, "note": null }, "KY": { "state": "Kentucky", "actions": [ { "year": 2024, "date": "2024-04-29", "policy_series": "Privileged Choice & Classic Select (non-AARP)", "requested_pct": null, "approved_pct": "Limited: not applicable (no or 1% inflation), 52.6% phased (greater than 1% inflation). Lifetime: 41.2% phased (no or 1% inflation), 52.2% phased (greater than 1% inflation)", "phasing": "52.6% as (30%, 17.4% compounded); 41.2% as (30%, 8.6% compounded); 52.2% as (30%, 17.1% compounded)", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4KYCh2R9.pdf", "sort": "2024-04-29" }, { "year": 2024, "date": "2024-01-22", "policy_series": "Privileged Choice Flex", "requested_pct": null, "approved_pct": "Limited: 0% (no or 1% inflation), 52% phased (greater than 1% inflation). Lifetime: 41.1% phased (no or 1% inflation), 51.7% phased (greater than 1% inflation)", "phasing": "52% as (30%, 16.9% compounded); 41.1% as (30%, 8.5% compounded); 51.7% as (30%, 16.7% compounded)", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4KYFlexR4.pdf", "sort": "2024-01-22" }, { "year": 2024, "date": "2024-01-22", "policy_series": "PCS II", "requested_pct": null, "approved_pct": "Limited: 33.8% phased (no or 1% inflation), 69% phased (greater than 1% inflation). Lifetime: 69% phased (both inflation groups)", "phasing": "33.8% as (30%, 2.9% compounded); 69% as (30%, 30% compounded)", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4KYPCS2R10.pdf", "sort": "2024-01-22" }, { "year": 2021, "date": "2021-01-19", "policy_series": "Privileged Choice and Classic Select", "requested_pct": null, "approved_pct": "20%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V321KYCh2R6.pdf", "sort": "2021-01-19" } ], "state_rules": [ { "rule": "Every long-term care rate increase in Kentucky needs prior approval from the Commissioner.", "source_url": "https://apps.legislature.ky.gov/CommitteeDocuments/25/12002/Oct%2002%202019_KDOI%20LTC%20Rate%20Review%20Process%20%2810.02.19%29.pdf" }, { "rule": "The Kentucky Department of Insurance told legislators in October 2019 that it requires increases above 30% to be phased in over several years. This is the department describing its practice in a slide deck, not the text of a statute.", "source_url": "https://apps.legislature.ky.gov/CommitteeDocuments/25/12002/Oct%2002%202019_KDOI%20LTC%20Rate%20Review%20Process%20%2810.02.19%29.pdf" }, { "rule": "Kentucky's minimum loss ratio for long-term care policies is 60%.", "source_url": "https://apps.legislature.ky.gov/CommitteeDocuments/25/12002/Oct%2002%202019_KDOI%20LTC%20Rate%20Review%20Process%20%2810.02.19%29.pdf" } ], "lookup_url": "https://filingaccess.serff.com/sfa/home/KY", "note": null }, "LA": { "state": "Louisiana", "actions": [ { "year": 2024, "date": "2024-05-06", "policy_series": "Privileged Choice, Classic Select (AARP and non-AARP)", "requested_pct": null, "approved_pct": "20%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4LACh2R9.pdf", "sort": "2024-05-06" }, { "year": 2023, "date": "2023-04-03", "policy_series": "Privileged Choice, Classic Select (AARP and non-AARP)", "requested_pct": null, "approved_pct": "19% to 24%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4LACh2R8.pdf", "sort": "2023-04-03" } ], "state_rules": [], "lookup_url": null, "note": null }, "ME": { "state": "Maine", "actions": [ { "year": 2026, "date": "2026-02-09", "policy_series": "Choice I (policies with greater than 1% inflation protection)", "requested_pct": null, "approved_pct": "1.8% (lifetime benefit periods); 3.5% (limited benefit periods)", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5MECh1R11_020926.pdf", "sort": "2026-02-09" }, { "year": 2025, "date": "2025-08-11", "policy_series": "PCS II (policies with greater than 1% inflation protection)", "requested_pct": null, "approved_pct": "30.8% (lifetime benefit periods); 34.6% (limited benefit periods)", "phasing": "30.8%: 14.35%, 14.35% compounded; 34.6%: 16%, 16% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5MEPCS2R11.pdf", "sort": "2025-08-11" }, { "year": 2025, "date": "2025-07-21", "policy_series": "Privileged Choice and Classic Select issued prior to 9/30/2004 (policies with greater than 1% inflation protection)", "requested_pct": null, "approved_pct": "34.8% (lifetime benefit periods); 3.1% (limited benefit periods)", "phasing": "34.8%: 16.1%, 16.1% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5MECh2LRR10.pdf", "sort": "2025-07-21" }, { "year": 2025, "date": "2025-07-02", "policy_series": "Privileged Choice and Classic Select issued on or after 10/1/2004 (matched to Genworth's notice; the regulator does not name the series)", "requested_pct": "233%; 124%", "approved_pct": "76%; 50%", "phasing": "76% spread over three years at 20.8% each year; 50% spread over two years at 22.5%", "outcome": "approved reduced", "policyholders_affected": 1274, "serff": null, "source_name": "Maine Bureau of Insurance press release, July 2, 2025", "source_type": "regulator", "source_url": "https://www.maine.gov/pfr/insurance/sites/maine.gov.pfr.insurance/files/inline-files/Genworth%20LTC%20insurance%20press%20release%20%28070225%29.pdf", "sort": "2025-07-02" }, { "year": 2025, "date": "2025-07-02", "policy_series": "Privileged Choice Flex (matched to Genworth's notice; the regulator does not name the series)", "requested_pct": "178% (lifetime, high benefit increase option); 111% (limited); 9.9% (lifetime, low)", "approved_pct": "99.1%; 54.3%; 1.0%; 84.3% for the couple-discount row", "phasing": "25.8% for 3 years; 24.2% for 2 years; 22.6% for 3 years", "outcome": "approved reduced", "policyholders_affected": 391, "serff": null, "source_name": "Maine Bureau of Insurance press release, July 2, 2025", "source_type": "regulator", "source_url": "https://www.maine.gov/pfr/insurance/sites/maine.gov.pfr.insurance/files/inline-files/Genworth%20LTC%20insurance%20press%20release%20%28070225%29.pdf", "sort": "2025-07-02" }, { "year": 2025, "date": "2025-07-02", "policy_series": "Series not named by the regulator", "requested_pct": "120%", "approved_pct": "45.4%", "phasing": "20.6% for 2 years", "outcome": "approved reduced", "policyholders_affected": 349, "serff": null, "source_name": "Maine Bureau of Insurance press release, July 2, 2025", "source_type": "regulator", "source_url": "https://www.maine.gov/pfr/insurance/sites/maine.gov.pfr.insurance/files/inline-files/Genworth%20LTC%20insurance%20press%20release%20%28070225%29.pdf", "sort": "2025-07-02" }, { "year": 2025, "date": "2025-07-02", "policy_series": "Series not named by the regulator", "requested_pct": "25% (lifetime); 21.9% (limited)", "approved_pct": "25%; 21.9%", "phasing": null, "outcome": "approved", "policyholders_affected": 130, "serff": null, "source_name": "Maine Bureau of Insurance press release, July 2, 2025", "source_type": "regulator", "source_url": "https://www.maine.gov/pfr/insurance/sites/maine.gov.pfr.insurance/files/inline-files/Genworth%20LTC%20insurance%20press%20release%20%28070225%29.pdf", "sort": "2025-07-02" }, { "year": 2022, "date": "2022-06-13", "policy_series": "PCS I, PCS II, Choice 1", "requested_pct": null, "approved_pct": "0% to 63.1%", "phasing": "PCS II lifetime 35%: 16.2%, 16.2% compounded; Choice 1 lifetime 63.1%: 27.7%, 27.7% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V3MEOBSPOR8.pdf", "sort": "2022-06-13" } ], "state_rules": [ { "rule": "In its 2025 Genworth decision the Bureau required any approved increase above 25% to be spread over two or three years.", "source_url": "https://www.maine.gov/pfr/insurance/sites/maine.gov.pfr.insurance/files/inline-files/Genworth%20LTC%20insurance%20press%20release%20%28070225%29.pdf" }, { "rule": "Maine LTC increases need the Superintendent's prior approval and apply to a whole class; policyholders get at least 90 days' notice.", "source_url": "https://www.maine.gov/pfr/insurance/node/977" }, { "rule": "Insurers must tell Maine policyholders about a rate increase filing within thirty days of filing it, and policyholders may comment or request a hearing.", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4MEPCS-MFMPFilingNotice.pdf" } ], "lookup_url": null, "note": null }, "MD": { "state": "Maryland", "actions": [ { "year": 2026, "date": "2026-05-11", "policy_series": "Privileged Choice Flex (policies without Revised Married Discount)", "requested_pct": null, "approved_pct": "15% (0% for limited benefit period with no or 1% inflation protection)", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5MDFlexR6_051126.pdf", "sort": "2026-05-11" }, { "year": 2025, "date": null, "policy_series": "Privileged Choice Flex ('Flex 1', form 7052MD), policies not subject to revised couples discount", "requested_pct": "180% (lifetime, high inflation option); 129% (lifetime, low); 105% (limited, high)", "approved_pct": null, "phasing": "Company proposes 15% a year under the Maryland cap: 10 years of 15% plus 2.7%; 7 years of 15% plus 12.7%; 6 years of 15% plus 7.7%", "outcome": "pending", "policyholders_affected": null, "serff": null, "source_name": "Genworth actuarial memorandum (August 2025) posted by Maryland Insurance Administration for the 12/16/2025 hearing", "source_type": "regulator", "source_url": "https://insurance.maryland.gov/Consumer/Documents/agencyhearings/Actuarial-Memorandum-for-Genworth-Life-7052MD.pdf", "note_public": "Heard by the Maryland Insurance Administration on December 16, 2025.", "sort": "2025-00-00" }, { "year": 2024, "date": "2024-12-18", "policy_series": "Group long-term care, form 7046MD", "requested_pct": "51.5%", "approved_pct": null, "phasing": "Company proposes 15% for 3 years and 7.6% in the last year", "outcome": "pending", "policyholders_affected": null, "serff": null, "source_name": "Genworth actuarial memorandum posted by Maryland Insurance Administration for the 12/18/2024 hearing", "source_type": "regulator", "source_url": "https://insurance.maryland.gov/Consumer/Documents/agencyhearings/Genworth-Life-Memo-7046MD.pdf", "sort": "2024-12-18" }, { "year": 2024, "date": "2024-08-12", "policy_series": "PCS I", "requested_pct": null, "approved_pct": "52.1% (lifetime benefit period); 34.8% (limited)", "phasing": "15%, 15%, 15% compounded (lifetime); 15%, 15%, 1.9% compounded (limited)", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4MDPCSR7.pdf", "sort": "2024-08-12" }, { "year": 2023, "date": "2023-10-23", "policy_series": "My Future, My Plan 1.0; Privileged Choice Flex (inflation protection greater than 1%)", "requested_pct": null, "approved_pct": "My Future, My Plan 1.0: 52.1%; Privileged Choice Flex: 32.3%", "phasing": "MFMP: 15%, 15%, 15% compounded; Flex: 15%, 15% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4MDFlexMFMPR3.pdf", "sort": "2023-10-23" }, { "year": 2021, "date": "2021-04-12", "policy_series": "Privileged Choice, Classic Select; Privileged Choice Flex; Choice 1", "requested_pct": null, "approved_pct": "Privileged Choice / Classic Select 32.25%; Privileged Choice Flex 26.56%; Choice 1 52.1%", "phasing": "PC/CS: 15%, 15% compounded; Flex: 12.5%, 12.5% compounded; Choice 1: 15%, 15%, 15% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V321MDR6FBO.pdf", "sort": "2021-04-12" } ], "state_rules": [ { "rule": "Maryland caps a long-term care renewal premium increase at 15% in any 12 months (COMAR 31.14.01.04), so larger approvals arrive as yearly steps of up to 15%.", "source_url": "https://insurance.maryland.gov/Consumer/Documents/agencyhearings/Actuarial-Memorandum-for-Genworth-Life-7052MD.pdf" }, { "rule": "The Maryland Insurance Administration holds public hearings on long-term care rate increase requests and posts each company's actuarial memorandum beforehand.", "source_url": "https://insurance.maryland.gov/Consumer/Pages/Long-Term-Care-Hearing-December-16.aspx" } ], "lookup_url": null, "note": null }, "MA": { "state": "Massachusetts", "actions": [ { "year": 2026, "date": "2026-02-23", "policy_series": "PCS I", "requested_pct": null, "approved_pct": "119.7% (lifetime benefit periods); 97.7% (limited benefit periods)", "phasing": "119.7%: 30%, 30%, 30% compounded; 97.7%: 30%, 30%, 17% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5MAPCS1-Ch1R12_022326.pdf", "sort": "2026-02-23" }, { "year": 2026, "date": "2026-02-23", "policy_series": "PCS II", "requested_pct": null, "approved_pct": "86.3% to 87.7%", "phasing": "Two steps: 36.5%, 36.5% compounded (86.3%) or 37%, 37% compounded (87.7%)", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5MAPCS1-Ch1R12_022326.pdf", "sort": "2026-02-23" }, { "year": 2026, "date": "2026-02-23", "policy_series": "Choice I", "requested_pct": null, "approved_pct": "85% (lifetime benefit periods); 86.3% (limited benefit periods)", "phasing": "85%: 36%, 36% compounded; 86.3%: 36.5%, 36.5% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5MAPCS1-Ch1R12_022326.pdf", "sort": "2026-02-23" }, { "year": 2025, "date": "2025-12-15", "policy_series": "AARP Group (group certificates; decided by Washington, D.C.)", "requested_pct": null, "approved_pct": "10%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5DCAARPGroupR5_121525.pdf", "sort": "2025-12-15" }, { "year": 2025, "date": "2025-12-08", "policy_series": "Privileged Choice and Classic Select (non-AARP and AARP)", "requested_pct": null, "approved_pct": "100% (0% for limited benefit periods with no or 1% inflation protection)", "phasing": "26%, 26%, 26% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5MACh2R11_120825.pdf", "sort": "2025-12-08" }, { "year": 2025, "date": "2025-08-11", "policy_series": "My Future, My Plan 1.0 and 2.0 (group certificates; decided by Washington, D.C.)", "requested_pct": null, "approved_pct": "10%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5DCAssocGrpMFMP1%262R5.pdf", "sort": "2025-08-11" }, { "year": 2024, "date": "2024-08-05", "policy_series": "My Future, My Plan 1.0 and 2.0", "requested_pct": null, "approved_pct": "10%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4MAMFMP1%262R4.pdf", "sort": "2024-08-05" }, { "year": 2024, "date": "2024-05-27", "policy_series": "Privileged Choice Flex", "requested_pct": null, "approved_pct": "10% to 50% (30% for policies with Revised Married Discount)", "phasing": "50%: 25%, 25% compounded; 30%: 15, 15% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4MAFlexR4.pdf", "sort": "2024-05-27" }, { "year": 2023, "date": "2023-02-13", "policy_series": "Pre-PCS, PCS I, Choice 1", "requested_pct": null, "approved_pct": "40%", "phasing": "13.3%, 13.3%, 13.4% simple", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4MAR7.pdf", "sort": "2023-02-13" }, { "year": null, "date": null, "policy_series": "Individual policies (series not named)", "requested_pct": "161%", "approved_pct": null, "phasing": null, "outcome": "denied", "policyholders_affected": null, "serff": null, "source_name": "CT Mirror (Andrew Brown and Jenna Carlesso), 2025-01-27", "source_type": "press", "source_url": "https://ctmirror.org/2025/01/27/genworth-financial-ct-long-term-care-insurance/", "date_label": "Reported Jan 2025", "sort": "2023-00-00", "note_public": "The regulator called the request \"unjust, unfair and inequitable.\" Genworth sued the department." } ], "state_rules": [ { "rule": "The Massachusetts Division of Insurance acts only on individual long-term care policies; it does not approve rate changes for employer group or association policies, which are approved in the state where the group policy was issued.", "source_url": "https://www.ca1.uscourts.gov/sites/ca1/files/citations/Long-Term%20Care%20Insurance%20Rate%20Increase%20Questions%20and%20Answers%20_%20Mass.gov_.pdf" }, { "rule": "Massachusetts requires at least 90 days' notice before a long-term care rate increase takes effect.", "source_url": "https://www.ca1.uscourts.gov/sites/ca1/files/citations/Long-Term%20Care%20Insurance%20Rate%20Increase%20Questions%20and%20Answers%20_%20Mass.gov_.pdf" }, { "rule": "The Division may cap an increase and require it to be spread over several years; this is described as a practice, with no fixed percentage given.", "source_url": "https://www.ca1.uscourts.gov/sites/ca1/files/citations/Long-Term%20Care%20Insurance%20Rate%20Increase%20Questions%20and%20Answers%20_%20Mass.gov_.pdf" } ], "lookup_url": null, "note": "We could not confirm how the lawsuit over the denied 161% request ended. Genworth's later notices say Massachusetts allowed the 2025 and 2026 increases listed here." }, "MI": { "state": "Michigan", "actions": [ { "year": 2026, "date": "2026-08-17", "policy_series": "AARP Group: My Future, My Plan 1.0 and 2.0", "requested_pct": null, "approved_pct": "10%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5MIMFMP1&2R6_081726.pdf", "sort": "2026-08-17" }, { "year": 2024, "date": "2024-08-05", "policy_series": "AARP Group: My Future, My Plan 1.0 and 2.0", "requested_pct": null, "approved_pct": "10%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4MIMFMP1&2R4.pdf", "sort": "2024-08-05" }, { "year": 2023, "date": "2023-10-02", "policy_series": "Privileged Choice & Classic Select (AARP policies only)", "requested_pct": null, "approved_pct": "Greater than 1% inflation: limited 53.4% phased; lifetime 139.94% phased", "phasing": "53.4% as 23.85%, 23.85% compounded; 139.94% as 54.9%, 54.9% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4MICh2R9.pdf", "sort": "2023-10-02" }, { "year": 2023, "date": "2023-09-25", "policy_series": "Privileged Choice Flex", "requested_pct": null, "approved_pct": "Greater than 1% inflation: limited 78%; lifetime 126%. With Revised Couples Discount: limited/greater than 1% inflation 105%; lifetime not applicable", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4MIFlexR4.pdf", "sort": "2023-09-25" }, { "year": 2021, "date": "2021-10-18", "policy_series": "AARP Group", "requested_pct": null, "approved_pct": "10%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V321MIAARPR1.pdf", "sort": "2021-10-18" }, { "year": 2019, "date": "2019-07-22", "policy_series": "Classic Select (non-AARP)", "requested_pct": null, "approved_pct": "20.3%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V319MICSR4SPO.pdf", "sort": "2019-07-22" } ], "state_rules": [], "lookup_url": null, "note": null }, "MN": { "state": "Minnesota", "actions": [ { "year": 2025, "date": "2025-02-17", "policy_series": "PCS I", "requested_pct": null, "approved_pct": "24% (lifetime benefit period), 10.3% (limited)", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5MNPCSR10.pdf", "sort": "2025-02-17" }, { "year": 2024, "date": "2024-11-04", "policy_series": "Privileged Choice and Classic Select", "requested_pct": null, "approved_pct": "Lifetime benefit period: 5.3% (no or 1% inflation protection), 95.3% (greater than 1%). Limited: not applicable (no or 1%), 44% (greater than 1%)", "phasing": "95.3%: 25%, 25%, 25% compounded; 44%: 20%, 20% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5MNCh2R9.pdf", "sort": "2024-11-04" }, { "year": 2024, "date": "2024-10-07", "policy_series": "Choice 1", "requested_pct": null, "approved_pct": "Lifetime benefit period: 110.8% (no or 1% inflation protection), 129.2% (greater than 1%). Limited: 95.2% (no or 1%), 110.8% (greater than 1%)", "phasing": "Four annual steps: 110.8% = 20.5% x4; 129.2% = 23.9%, 23.9%, 23.9%, 20.5%; 95.2% = 18.2% x4, compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4MNCh1R10.pdf", "sort": "2024-10-07" }, { "year": 2023, "date": "2023-06-05", "policy_series": "Privileged Choice Flex (policies with greater than 1% inflation protection)", "requested_pct": null, "approved_pct": "81.6% (limited benefit period), 100% (lifetime). No or 1% inflation protection: not applicable", "phasing": "81.6%: 22%, 22%, 22% compounded; 100%: 26%, 26%, 26% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4MNFlexR3.pdf", "sort": "2023-06-05" }, { "year": 2022, "date": "2022-04-04", "policy_series": "Privileged Choice and Classic Select", "requested_pct": null, "approved_pct": "52% (non-AARP); 71.1% (AARP)", "phasing": "52%: 23.3%, 23.3% compounded; 71.1%: 30.8%, 30.8% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V322MNCh2R7.pdf", "sort": "2022-04-04" }, { "year": 2021, "date": "2021-03-08", "policy_series": "Privileged Choice Flex", "requested_pct": null, "approved_pct": "50.06%", "phasing": "22.5%, 22.5% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V321MNFlexR1.pdf", "sort": "2021-03-08" }, { "year": 2020, "date": "2020-03-30", "policy_series": "Privileged Choice and Classic Select", "requested_pct": null, "approved_pct": "Forms 7044/7042: 34.56%. Forms 7044Rev/7042Rev: 49.33%. AARP Privileged Choice: 27.08%", "phasing": "34.56%: 16%, 16%; 49.33%: 22.2%, 22.2%; 27.08%: 15%, 10.5%, cumulative", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V320MNR5FBO.pdf", "sort": "2020-03-30" }, { "year": 2016, "date": "2016-10-03", "policy_series": "Privileged Choice 2 / Classic Select 2; Privileged Choice 2.1 / Classic Select 2.1", "requested_pct": null, "approved_pct": "39% (series 2); 26.5% (series 2.1)", "phasing": "39%: 15% / 15% / 5% over 3 years; 26.5%: 15% / 10% over 2 years, compound", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/159794V2MNR2.pdf", "sort": "2016-10-03" } ], "state_rules": [], "lookup_url": null, "note": null }, "MS": { "state": "Mississippi", "actions": [ { "year": 2023, "date": "2023-08-07", "policy_series": "Privileged Choice Flex", "requested_pct": null, "approved_pct": "19% to 25%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4MSFlexR3.pdf", "sort": "2023-08-07" }, { "year": 2019, "date": "2019-05-20", "policy_series": "Privileged Choice, Classic Select", "requested_pct": null, "approved_pct": "16% (non-AARP); 17.2% (AARP)", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/159794V319MSR4.pdf", "sort": "2019-05-20" } ], "state_rules": [], "lookup_url": null, "note": null }, "MO": { "state": "Missouri", "actions": [ { "year": 2024, "date": "2024-10-28", "policy_series": "PCS II", "requested_pct": null, "approved_pct": "Lifetime benefit periods 0%; limited benefit periods 44% phased", "phasing": "44% as (20%, 20% compounded)", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4MOPCS2R9.pdf", "sort": "2024-10-28" }, { "year": 2024, "date": "2024-10-07", "policy_series": "Privileged Choice & Classic Select", "requested_pct": null, "approved_pct": "Issued before 7/1/2004 (non-AARP): lifetime 43.4% phased (no or 1% inflation) or 116% phased (greater than 1% inflation); limited/greater than 1% inflation 55.1% phased. Issued on or after 7/1/2004 (AARP and non-AARP): lifetime 4.7% (no or 1% inflation) or 106.0% phased (greater than 1% inflation); limited/greater than 1% inflation 54.3% phased", "phasing": "43.4% as (19.7%, 19.7% compounded); 116% as (29.2%, 29.2%, 29.2% compounded); 55.1% as (24.5%, 24.5% compounded); 106.0% as (27.2%, 27.2%, 27.2% compounded); 54.3% as (24.2%, 24.2% compounded)", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4MOCh2R10.pdf", "sort": "2024-10-07" }, { "year": 2024, "date": "2024-08-12", "policy_series": "Privileged Choice Flex", "requested_pct": null, "approved_pct": "Greater than 1% inflation: lifetime 124.8% phased; limited 77.2% phased. With Revised Married Discount: limited/greater than 1% inflation 104.8% phased. No or 1% inflation: not applicable", "phasing": "124.8% as (31%, 31%, 31% compounded); 77.2% as (21%, 21%, 21% compounded); 104.8% as (27%, 27%, 27% compounded)", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4MOFlexR4.pdf", "sort": "2024-08-12" }, { "year": 2024, "date": "2024-01-15", "policy_series": "Choice 1", "requested_pct": null, "approved_pct": "Limited: 33.8% phased (no or 1% inflation), 103% phased (greater than 1% inflation). Lifetime: 72.2% phased (no or 1% inflation), 95.3% phased (greater than 1% inflation)", "phasing": "33.8% as (25%, 7% compounded); 103% as (25%, 25%, 25%, 3.95% compounded); 72.2% as (25%, 25%, 10.2% compounded); 95.3% as (25%, 25%, 25% compounded)", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4MOCh1R9.pdf", "sort": "2024-01-15" }, { "year": 2019, "date": "2019-06-17", "policy_series": "PCS II (non-AARP, non-partnership)", "requested_pct": null, "approved_pct": "55% (limited benefit periods); 72% (lifetime benefit periods)", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V319MOR4PCS2.pdf", "sort": "2019-06-17" }, { "year": 2019, "date": "2019-05-20", "policy_series": "PCS I and Choice 1 (non-AARP, non-partnership)", "requested_pct": null, "approved_pct": "55% (limited benefit periods); 72% (lifetime benefit periods)", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V319MOR4SPO.pdf", "sort": "2019-05-20" } ], "state_rules": [], "lookup_url": null, "note": null }, "MT": { "state": "Montana", "actions": [ { "year": 2025, "date": "2025-03-03", "policy_series": "My Future, My Plan 1.0 and My Future, My Plan 2.0", "requested_pct": null, "approved_pct": "15.1%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5MTMFMP1&2R4.pdf", "sort": "2025-03-03" }, { "year": 2025, "date": "2025-01-27", "policy_series": "Privileged Choice, Classic Select (non-AARP)", "requested_pct": null, "approved_pct": "Lifetime benefit periods: 3.2% (no or 1% inflation protection) or 46% (greater than 1%); limited benefit periods: 0%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5MTCh2R9.pdf", "sort": "2025-01-27" }, { "year": 2019, "date": "2019-05-21", "policy_series": "Policy forms 7000, 7020; 7030, 7031, 7032; 7035", "requested_pct": "74-85% (7000, 7020); 53-62% (7030, 7031, 7032); 37-84% (7035)", "approved_pct": "0-15.5% (7000, 7020); 0-19.9% (7030, 7031, 7032); 0-20% (7035)", "phasing": null, "outcome": "approved reduced", "policyholders_affected": null, "serff": null, "source_name": "California Department of Insurance, Long Term Care Rate Increase History, Genworth Life Ins Co (NAIC 70025), as of 12/2019", "source_type": "regulator", "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/05-health/01-ltc/upload/GenworthLifeInsCoLTCRH2019.pdf", "sort": "2019-05-21" }, { "year": 2018, "date": "2018-03-22", "policy_series": "Policy forms 7000, 7020; 7030, 7031; 7035; 7042, 7044 (and Rev)", "requested_pct": "81 - 93% (7000, 7020); 72 - 82% (7030, 7031); 55 - 107% (7035); 56.40% (7042, 7044)", "approved_pct": "4.40% (7000, 7020); 12.40% (7030, 7031); 12.90% (7035); 7.30% (7042, 7044)", "phasing": null, "outcome": "approved reduced", "policyholders_affected": null, "serff": null, "source_name": "California Department of Insurance, Long Term Care Rate Increase History, Genworth Life Ins Co (NAIC 70025), as of 12/2019", "source_type": "regulator", "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/05-health/01-ltc/upload/GenworthLifeInsCoLTCRH2019.pdf", "sort": "2018-03-22" }, { "year": 2017, "date": "2017-01-23", "policy_series": "Policy forms 7000, 7020; 7030, 7031, 7032; 7035; 7042, 7044 (and Rev); 7040", "requested_pct": "86 - 79% (7000, 7020); 132 - 122% (7030-7032); 71 - 113% (7035); 47.90% (7042, 7044); 100.00% (7040)", "approved_pct": "6.10% (7000, 7020); 12.50% (7030-7032); 10.60% (7035); 5.70% (7042, 7044); 32.50% (7040)", "phasing": null, "outcome": "approved reduced", "policyholders_affected": null, "serff": null, "source_name": "California Department of Insurance, Long Term Care Rate Increase History, Genworth Life Ins Co (NAIC 70025), as of 12/2019", "source_type": "regulator", "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/05-health/01-ltc/upload/GenworthLifeInsCoLTCRH2019.pdf", "sort": "2017-01-23" } ], "state_rules": [], "lookup_url": null, "note": null }, "NE": { "state": "Nebraska", "actions": [ { "year": 2024, "date": "2024-09-09", "policy_series": "Privileged Choice 2 and Classic Select 2; Privileged Choice 2.1 and Classic Select 2.1 (policies with greater than 1% inflation protection)", "requested_pct": null, "approved_pct": "Series 2: 24.1% (lifetime), 34.9% (limited). Series 2.1: 28.7% (lifetime), 38.5% (limited). No or 1% inflation protection: not applicable", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4NECh2R9.pdf", "sort": "2024-09-09" }, { "year": 2024, "date": "2024-09-09", "policy_series": "Privileged Choice Flex (policies without Revised Married Discount, greater than 1% inflation protection)", "requested_pct": null, "approved_pct": "39.3% (lifetime), 49.2% (limited)", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4NEFlexR4.pdf", "sort": "2024-09-09" }, { "year": 2024, "date": "2024-09-09", "policy_series": "Choice 1", "requested_pct": null, "approved_pct": "Greater than 1% inflation protection: 18% (lifetime), 21.6% (limited). No or 1% inflation protection: 0%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4NECh1R10.pdf", "sort": "2024-09-09" }, { "year": 2023, "date": "2023-08-28", "policy_series": "Privileged Choice and Classic Select (policies with greater than 1% inflation protection)", "requested_pct": null, "approved_pct": "Privileged Choice: 22.8% (limited), 32.5% (lifetime). Classic Select: 20.8% (limited), 15.4% (lifetime)", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4NECh2R8.pdf", "sort": "2023-08-28" }, { "year": 2022, "date": "2022-04-11", "policy_series": "Choice 1", "requested_pct": null, "approved_pct": "93.1% (limited), 61.3% (lifetime)", "phasing": "93.1%: 50%, 28.7% compounded; 61.3%: 50%, 7.5% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V322NELSPOR8.pdf", "sort": "2022-04-11" }, { "year": 2021, "date": "2021-06-28", "policy_series": "Privileged Choice Flex", "requested_pct": null, "approved_pct": "68.2%", "phasing": "50%, 12.1% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V321NEFlexR1.pdf", "sort": "2021-06-28" }, { "year": 2020, "date": "2020-08-03", "policy_series": "Privileged Choice and Classic Select", "requested_pct": null, "approved_pct": "Forms 7044/7042: 67.7% (limited), 135.8% (lifetime). Forms 7044Rev/7042Rev and AARP Privileged Choice: 42.4% (limited), 91.1% (lifetime)", "phasing": "Three annual steps: 18.8%, 33.1%, 12.5% or 24.1% each, cumulative", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V320NER5FBO.pdf", "sort": "2020-08-03" }, { "year": 2019, "date": "2019-04-01", "policy_series": "PCS I, PCS II, Choice 1", "requested_pct": null, "approved_pct": "PCS I: 40% (limited), 72.95% (lifetime). PCS II: 34% (limited), 66.2% (lifetime). Choice 1: 106.1% (limited), 164.6% (lifetime)", "phasing": "72.95%: 50%, 15.3%; 66.2%: 50%, 10.8%; 106.1%: 50%, 37.4%; 164.6%: 50%, 50%, 17.6%, cumulative", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V219NER4.pdf", "sort": "2019-04-01" } ], "state_rules": [], "lookup_url": null, "note": null }, "NV": { "state": "Nevada", "actions": [ { "year": 2023, "date": "2023-12-18", "policy_series": "PCS II and Choice 1", "requested_pct": null, "approved_pct": "PCS II totals 18.50% to 169.00%; Choice 1 totals 99.00% to 210.00%, by benefit period and inflation protection", "phasing": "PCS II: up to six annual phases (e.g. lifetime with greater than 1% inflation protection 17.93% a year for six phases = 169.00%). Choice 1: eight annual phases (8.98%, 14.86%, 14.47% or 15.19% a year)", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4NVLSPOR10.pdf", "sort": "2023-12-18" } ], "state_rules": [], "lookup_url": null, "note": null }, "NH": { "state": "New Hampshire", "actions": [ { "year": 2024, "date": "2024-08-12", "policy_series": "Privileged Choice Flex (policies with greater than 1% inflation protection)", "requested_pct": null, "approved_pct": "72.8% to 128.7%", "phasing": "Steps of 20% a phase: 128.7% = 20%, 20%, 20%, 20%, 10.3% compounded; 72.8% = 20%, 20%, 20% compounded; 113.8% = 20%, 20%, 20%, 20%, 3.1% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4NHFlexR4.pdf", "sort": "2024-08-12" }, { "year": 2023, "date": "2023-11-27", "policy_series": "PCS I", "requested_pct": null, "approved_pct": "173% (limited benefit periods); 404% (lifetime benefit periods)", "phasing": "6 phases for limited (five of 20%, then 9.7%); 9 phases for lifetime (eight of 20%, then 17.2%)", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4NHOBLSPOR9.pdf", "sort": "2023-11-27" }, { "year": 2023, "date": "2023-11-27", "policy_series": "PCS II", "requested_pct": null, "approved_pct": "160.78% to 643.01%", "phasing": "Up to 11 phases of 20%", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4NHOBLSPOR9.pdf", "sort": "2023-11-27" }, { "year": 2023, "date": "2023-11-27", "policy_series": "Choice 1", "requested_pct": null, "approved_pct": "198.60% to 643.01%", "phasing": "Up to 11 phases of 20%", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4NHOBLSPOR9.pdf", "sort": "2023-11-27" }, { "year": 2023, "date": "2023-11-27", "policy_series": "Privileged Choice and Classic Select", "requested_pct": null, "approved_pct": "198.6% to 519.2%", "phasing": "Up to 10 phases of 20%", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4NHCh2FBOR8.pdf", "sort": "2023-11-27" } ], "state_rules": [], "lookup_url": null, "note": null }, "NJ": { "state": "New Jersey", "actions": [ { "year": 2025, "date": "2025-12-15", "policy_series": "AARP Group (group certificates; decided by Washington, D.C.)", "requested_pct": null, "approved_pct": "10%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5DCAARPGroupR5_121525.pdf", "sort": "2025-12-15" }, { "year": 2025, "date": "2025-08-11", "policy_series": "My Future, My Plan 1.0 and 2.0 (group certificates; decided by Washington, D.C.)", "requested_pct": null, "approved_pct": "10%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5DCAssocGrpMFMP1%262R5.pdf", "sort": "2025-08-11" }, { "year": 2024, "date": "2024-12-09", "policy_series": "AARP Group (group certificates; decided by Washington, D.C.)", "requested_pct": null, "approved_pct": "10%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4DCAARPGrpR4.pdf", "sort": "2024-12-09" }, { "year": 2024, "date": "2024-08-05", "policy_series": "Choice 1 (New Jersey certificates under the Alabama Group Trust)", "requested_pct": null, "approved_pct": "4.85% to 90.40% total, by benefit period and inflation protection (90.40% lifetime with greater than 1% inflation; 67.20% lifetime with no or 1%; 54.40% limited with greater than 1%; 4.85% limited with no or 1%)", "phasing": "4 phases: e.g. 15.00%, 15.00%, 20.00%, 20.00% for the 90.40% cell", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4ALNJALGTR10.pdf", "sort": "2024-08-05" }, { "year": 2024, "date": "2024-08-05", "policy_series": "PCS II (New Jersey and Massachusetts certificates under the Alabama Group Trust)", "requested_pct": null, "approved_pct": "17.67% to 62.12% total (62.12% lifetime with greater than 1% inflation; 17.67% lifetime with no or 1%; 57.64% limited with greater than 1%)", "phasing": "4 phases: e.g. 10.00%, 10.00%, 15.75%, 15.75% for the 62.12% cell", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4ALNJMAALGTR10.pdf", "sort": "2024-08-05" }, { "year": 2024, "date": "2024-08-05", "policy_series": "My Future, My Plan 1.0 and 2.0 (group certificates; decided by Washington, D.C.)", "requested_pct": null, "approved_pct": "10%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4DCMFMP1%262R4.pdf", "sort": "2024-08-05" }, { "year": 2023, "date": "2023-05-30", "policy_series": "Privileged Choice and Classic Select (New Jersey certificates under the Alabama Group Trust)", "requested_pct": null, "approved_pct": "15%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4ALGTCh2R8.pdf", "sort": "2023-05-30" }, { "year": 2023, "date": "2023-05-22", "policy_series": "Choice 1 (New Jersey certificates under the Alabama Group Trust)", "requested_pct": null, "approved_pct": "3.8% to 15%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4ALGTCh1R9.pdf", "sort": "2023-05-22" }, { "year": 2022, "date": "2022-08-29", "policy_series": "Privileged Choice Flex (New Jersey-issued individual policies)", "requested_pct": null, "approved_pct": "33.1%", "phasing": "10%, 10%, 10% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V322NJFlexR1.pdf", "sort": "2022-08-29" }, { "year": 2017, "date": "2017-02-15", "policy_series": "Genworth long-term care policies in New Jersey (series not named)", "requested_pct": "683%", "approved_pct": "33.1%", "phasing": "10.0% per year for three years", "outcome": "approved reduced", "policyholders_affected": 9843, "serff": null, "source_name": "New Jersey Department of Banking and Insurance, Consent Order E19-74", "source_type": "regulator", "source_url": "https://www.nj.gov/dobi/division_insurance/enforcement/e19_74.pdf", "note_public": "Genworth applied in September 2015. In 2019 the regulator fined Genworth $10,000 because its letters left out the 683% it had asked for.", "sort": "2017-02-15" } ], "state_rules": [ { "rule": "New Jersey certificates issued under Genworth's Alabama group trust have their increases decided by Alabama, not by New Jersey's regulator.", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4ALGTCh2R8.pdf" }, { "rule": "New Jersey requires at least 45 days' notice to policyholders before a long term care rate increase is implemented, and the carrier must request approval at least 60 days before sending that notice.", "source_url": "https://www.nj.gov/dobi/division_insurance/enforcement/e19_74.pdf" }, { "rule": "In 2017 DOBI directed Genworth to tell New Jersey policyholders the size of the increase it had requested alongside the amount allowed.", "source_url": "https://www.nj.gov/dobi/division_insurance/enforcement/e19_74.pdf" } ], "lookup_url": null, "note": "Many New Jersey policyholders hold certificates under a group policy issued in Alabama or Washington, D.C. Those increases are decided by that state, not by New Jersey. We found no New Jersey notice dated 2026 and none that names 2027; phased increases from 2024 are still working through." }, "NM": { "state": "New Mexico", "actions": [ { "year": 2021, "date": "2021-08-09", "policy_series": "Pre-PCS, PCS I, PCS II, Choice 1", "requested_pct": null, "approved_pct": "Pre-PCS: 8% (limited), 119.2% (lifetime). PCS I: 68.9% (limited), 141.7% (lifetime). PCS II: 106.3% (limited), 190.6% (lifetime). Choice 1: 206% (limited), 343.4% (lifetime)", "phasing": "Pre-PCS lifetime 29.9% x3; PCS I 19.1% x3 / 34.2% x3; PCS II 27.3% x3 / 42.7% x3; Choice 1 25.1% x5 / 34.7% x5, all compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V321NMLSPOR7.pdf", "sort": "2021-08-09" }, { "year": 2021, "date": "2021-08-09", "policy_series": "Privileged Choice Flex", "requested_pct": null, "approved_pct": "46.6%", "phasing": "21.1%, 21.1% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V321NMFlexR1.pdf", "sort": "2021-08-09" }, { "year": 2020, "date": "2020-07-06", "policy_series": "Privileged Choice and Classic Select", "requested_pct": null, "approved_pct": "8.25% (policies issued before January 1, 2004); 6% (issued on or after January 1, 2004)", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V320NMCh2R5.pdf", "sort": "2020-07-06" }, { "year": 2020, "date": "2020-02-03", "policy_series": "Pre-PCS, PCS I, PCS II, Choice 1", "requested_pct": null, "approved_pct": "15% (limited and lifetime benefit periods)", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V320NMR6.pdf", "sort": "2020-02-03" }, { "year": 2019, "date": "2019-07-01", "policy_series": "Privileged Choice and Classic Select", "requested_pct": null, "approved_pct": "6%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V319NMCh2SPO.pdf", "sort": "2019-07-01" }, { "year": 2019, "date": "2019-01-22", "policy_series": "Pre-PCS, PCS I, PCS II, Choice 1", "requested_pct": null, "approved_pct": "15% (limited and lifetime benefit periods)", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "GoldenCare agent notice restating Genworth bulletin (Wayback Machine copy; live page now 404)", "source_type": "agent notice", "source_url": "http://web.archive.org/web/20190819213717/https://goldencareagent.com/in-force-rate-action-announcement-new-mexico-pre-pcs-pcs-i-pcs-ii-choice-1/", "sort": "2019-01-22" } ], "state_rules": [], "lookup_url": null, "note": null }, "NY": { "state": "New York", "actions": [ { "year": 2023, "date": "2023-06-15", "policy_series": "PCS I, PCS II", "requested_pct": null, "approved_pct": "271.3%", "phasing": "30%, 30%, 30%, 30%, 30% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4NYR7.pdf", "sort": "2023-06-15" }, { "year": 2023, "date": "2023-06-15", "policy_series": "Choice 1", "requested_pct": null, "approved_pct": "143.7%", "phasing": "19.5%, 19.5%, 19.5%, 19.5 compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4NYR7.pdf", "sort": "2023-06-15" }, { "year": 2023, "date": "2023-06-15", "policy_series": "My Future, My Plan 1.0 and 2.0", "requested_pct": null, "approved_pct": "79.4% (1.0); 66.4% (2.0)", "phasing": "1.0: 21.5%, 21.5%, 21.5% compounded; 2.0: 18.5%, 18.5%, 18.5% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4NYMFMPR2.pdf", "sort": "2023-06-15" }, { "year": 2021, "date": "2021-09-27", "policy_series": "Privileged Choice and Classic Select (Partnership and non-Partnership)", "requested_pct": null, "approved_pct": "69%", "phasing": "30%, 30% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V321NYCh2R6rev.pdf", "sort": "2021-09-27" }, { "year": 2021, "date": "2021-09-27", "policy_series": "Privileged Choice Flex 1 and Flex 2 (Partnership and non-Partnership)", "requested_pct": null, "approved_pct": "69%", "phasing": "30%, 30% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V321NYFlexR1rev.pdf", "sort": "2021-09-27" } ], "state_rules": [ { "rule": "DFS says it will keep encouraging phase-in of significant LTC premium increases and mitigation options (a stated practice in its report, not a numeric cap).", "source_url": "https://www.dfs.ny.gov/system/files/documents/2026/01/2025_ltc_biennial_report_20251219.pdf" } ], "lookup_url": null, "note": "New York policies are written by Genworth Life Insurance Company of New York. We found no New York notice after June 2023." }, "NC": { "state": "North Carolina", "actions": [ { "year": 2024, "date": "2024-12-09", "policy_series": "PCS II (policies issued on or after 2/1/2003)", "requested_pct": null, "approved_pct": "56.3% (lifetime benefit period); 25% (limited)", "phasing": "Lifetime: 25%, 25% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4NCPCS2R8.pdf", "sort": "2024-12-09" }, { "year": 2023, "date": "2023-12-11", "policy_series": "Privileged Choice Flex", "requested_pct": null, "approved_pct": "5.0% to 56.3%", "phasing": "Limited >1% inflation: 40% (25%, 12% compounded); lifetime >1% inflation: 56.3% (25%, 25% compounded)", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4NCFlexR3.pdf", "sort": "2023-12-11" }, { "year": 2019, "date": "2019-04-08", "policy_series": "PCS II; Choice 1", "requested_pct": null, "approved_pct": "PCS II 95.31% cumulative; Choice 1 39.92% (limited) / 75% (lifetime) cumulative", "phasing": "PCS II: 25%, 25%, 25%; Choice 1: 25%, 5.8%, 5.8% (limited) and 25%, 25%, 12% (lifetime)", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V319NCSPO.pdf", "sort": "2019-04-08" } ], "state_rules": [], "lookup_url": null, "note": null }, "ND": { "state": "North Dakota", "actions": [ { "year": 2025, "date": "2025-11-10", "policy_series": "Privileged Choice Flex", "requested_pct": null, "approved_pct": "Without Revised Married Discount: lifetime 15% (no or 1% inflation protection), 65.6% (greater than 1%); limited 0% (no or 1%), 28.4% (greater than 1%). With Revised Married Discount: 44.2% for limited benefit period with greater than 1% inflation protection, 0% otherwise", "phasing": "65.6%: 28.7%, 28.7% compounded; 44.2%: 20.1%, 20.1% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5NDFlexR6.pdf", "sort": "2025-11-10" }, { "year": 2021, "date": "2021-01-04", "policy_series": "Privileged Choice Flex", "requested_pct": null, "approved_pct": "66.4%", "phasing": "29%, 29% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V321NDFlexR1.pdf", "sort": "2021-01-04" }, { "year": 2017, "date": "2017-11-20", "policy_series": "Pre-PCS, PCS I, PCS II", "requested_pct": null, "approved_pct": "Pre-PCS: 18% (limited), 72.8% (lifetime). PCS I and PCS II: 72.8% (limited and lifetime)", "phasing": "20% / 20% / 20% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V2NDR4.pdf", "sort": "2017-11-20" } ], "state_rules": [], "lookup_url": null, "note": null }, "OH": { "state": "Ohio", "actions": [ { "year": 2025, "date": "2025-06-02", "policy_series": "Privileged Choice & Classic Select (AARP and non-AARP)", "requested_pct": null, "approved_pct": "Lifetime: 9.5% (no or 1% inflation), 52.1% phased (greater than 1% inflation). Limited: 0% (no or 1% inflation), 52.1% phased (greater than 1% inflation)", "phasing": "52.1% as (15%, 15%, 15% compounded)", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5OHCh2R10.pdf", "sort": "2025-06-02" }, { "year": 2025, "date": "2025-06-02", "policy_series": "Privileged Choice Flex (policies without Revised Married Discount)", "requested_pct": null, "approved_pct": "Lifetime: 35.3% phased (no or 1% inflation), 52.1% phased (greater than 1% inflation). Limited: 0% (no or 1% inflation), 52.1% phased (greater than 1% inflation)", "phasing": "35.3% as (15%, 15%, 2.3% compounded); 52.1% as (15%, 15%, 15% compounded)", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5OHFlex1R5.pdf", "sort": "2025-06-02" }, { "year": 2025, "date": "2025-06-02", "policy_series": "Choice I", "requested_pct": null, "approved_pct": "15% for all four benefit-period and inflation groups", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5OHCh1R11.pdf", "sort": "2025-06-02" }, { "year": 2024, "date": "2024-06-17", "policy_series": "PCS II", "requested_pct": null, "approved_pct": "Greater than 1% inflation: limited 80%; lifetime 95%. No or 1% inflation: not applicable", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4OHPCS2R10.pdf", "sort": "2024-06-17" }, { "year": 2024, "date": "2024-02-26", "policy_series": "Privileged Choice & Classic Select (AARP and non-AARP)", "requested_pct": null, "approved_pct": "15%, except 0% for limited benefit periods with no or 1% inflation", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4OHCh2R9.pdf", "sort": "2024-02-26" }, { "year": 2022, "date": "2022-05-16", "policy_series": "Pre-PCS, PCS I, PCS II", "requested_pct": null, "approved_pct": "Pre-PCS 5.8% (limited) / 54.2% (lifetime); PCS I 51.1% (limited) / 128% (lifetime); PCS II 47.6% (limited) / 98.9% (lifetime)", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V322OHR7.pdf", "sort": "2022-05-16" } ], "state_rules": [], "lookup_url": null, "note": null }, "OK": { "state": "Oklahoma", "actions": [ { "year": 2026, "date": "2026-01-19", "policy_series": "My Future, My Plan 1.0 and 2.0 (group certificates)", "requested_pct": null, "approved_pct": "52.1%", "phasing": "15%, 15%, 15% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5OKMFMP1&2R6_011926.pdf", "sort": "2026-01-19" }, { "year": 2025, "date": "2025-05-05", "policy_series": "Choice I", "requested_pct": null, "approved_pct": "32.3% for all four listed categories (lifetime and limited benefit periods, with and without more than 1% inflation protection)", "phasing": "15%, 15% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5OKCh1R11.pdf", "sort": "2025-05-05" }, { "year": 2025, "date": "2025-01-07", "policy_series": "PCS II", "requested_pct": null, "approved_pct": "Lifetime benefit period: 51.4% (no or 1% inflation protection), 118% (greater than 1%). Limited benefit period: 0% (no or 1%), 37.9% (greater than 1%)", "phasing": "51.4%: 15.0% x 2, 14.5% x 1 compounded. 118%: 15.0% x 5, 8.4% x 1 compounded. 37.9%: 15.0% x 2, 4.3% x 1 compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5OKPCS2R11.pdf", "sort": "2025-01-07" }, { "year": 2024, "date": "2024-12-09", "policy_series": "Privileged Choice and Classic Select", "requested_pct": null, "approved_pct": "Lifetime benefit period: 11% (no or 1% inflation protection), 32.3% (greater than 1%). Limited benefit period: 0% (no or 1%), 32.3% (greater than 1%)", "phasing": "32.3% phased 15%, 15% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5OKCh2R10.pdf", "sort": "2024-12-09" }, { "year": 2024, "date": "2024-12-09", "policy_series": "Privileged Choice Flex (including policies with Revised Married Discount)", "requested_pct": null, "approved_pct": "Lifetime benefit period: 28.3% (no or 1% inflation protection), 32.3% (greater than 1%). Limited benefit period: 32.3% (greater than 1%). Revised Married Discount policies: 32.3% for limited benefit period with greater than 1% inflation protection only", "phasing": "28.3% phased 15%, 11.6% compounded; 32.3% phased 15%, 15% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4OKFlex1R5.pdf", "sort": "2024-12-09" }, { "year": 2023, "date": "2023-05-01", "policy_series": "Choice 1", "requested_pct": null, "approved_pct": "32.3% (limited benefit period with greater than 1% inflation protection; lifetime benefit period, both inflation groups). Limited with no or 1% inflation: not applicable", "phasing": "15%, 15% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4OKLSPOR9.pdf", "sort": "2023-05-01" }, { "year": 2023, "date": "2023-01-03", "policy_series": "PCS II (policies with greater than 1% inflation protection)", "requested_pct": null, "approved_pct": "32.3% (limited and lifetime benefit periods)", "phasing": "15%, 15% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4OKPCS2LSPOR9.pdf", "sort": "2023-01-03" }, { "year": 2022, "date": "2022-11-14", "policy_series": "Privileged Choice Flex (policies with greater than 1% inflation protection, including Revised Couples Discount policies)", "requested_pct": null, "approved_pct": "32.3%", "phasing": "15%, 15% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4OKFlexR3.pdf", "sort": "2022-11-14" }, { "year": 2022, "date": "2022-04-04", "policy_series": "Privileged Choice and Classic Select", "requested_pct": null, "approved_pct": "32.3%", "phasing": "15%, 15% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V322OKCh2R7.pdf", "sort": "2022-04-04" }, { "year": 2021, "date": "2021-04-26", "policy_series": "Choice 1", "requested_pct": null, "approved_pct": "32.3% (limited and lifetime benefit periods)", "phasing": "15%, 15% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V321OKLSPOR7.pdf", "sort": "2021-04-26" }, { "year": 2020, "date": "2020-11-09", "policy_series": "Privileged Choice Flex", "requested_pct": null, "approved_pct": "32.3%", "phasing": "15%, 15% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V320OKFlexR1.pdf", "sort": "2020-11-09" }, { "year": 2020, "date": "2020-03-30", "policy_series": "Privileged Choice and Classic Select", "requested_pct": null, "approved_pct": "32.25%", "phasing": "15%, 15% cumulative", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V320OKR5FBO.pdf", "sort": "2020-03-30" }, { "year": 2019, "date": "2019-03-11", "policy_series": "Privileged Choice and Classic Select", "requested_pct": null, "approved_pct": "10%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/159794V319OKCh2.pdf", "sort": "2019-03-11" }, { "year": 2017, "date": "2017-10-16", "policy_series": "Pre-PCS, PCS I, PCS II", "requested_pct": null, "approved_pct": "10% (limited and lifetime benefit periods)", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V2OKR4.pdf", "sort": "2017-10-16" }, { "year": 2016, "date": "2016-08-08", "policy_series": "Privileged Choice and Classic Select", "requested_pct": null, "approved_pct": "10.00%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/159794V2OKR2.pdf", "sort": "2016-08-08" } ], "state_rules": [], "lookup_url": null, "note": null }, "OR": { "state": "Oregon", "actions": [ { "year": 2024, "date": "2024-05-13", "policy_series": "Privileged Choice, Classic Select (non-AARP)", "requested_pct": null, "approved_pct": "0% to 15% (limited benefit period with no or 1% inflation protection: 0%; all other groups: 15%)", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4ORCh2R9.pdf", "sort": "2024-05-13" }, { "year": 2020, "date": "2020-03-15", "policy_series": "Pre-PCS (50000), PCS I (7000AN, 7020AF), PCS II (7030AN, 7031AN), Choice I (7035AV), Choice II (7042OR, 7044OR, 7042OR Rev, 7044OR Rev)", "requested_pct": "48% to 100% depending on policy form and benefit duration", "approved_pct": "48% for Choice II, 62% average for Choice I, and 0% for all other policies", "phasing": null, "outcome": "approved reduced", "policyholders_affected": 8554, "serff": "GEFA-131267305, GEFA-131165167, GEFA-131165165, GEFA-131165096, GEFA-131165158", "source_name": "Oregon Division of Financial Regulation, Rate Filing Decision, February 18, 2020", "source_type": "regulator", "source_url": "https://dfr.oregon.gov/insure/health/long-term-care/Documents/rate-decisions/20200218-Genworth-life-insurance.pdf", "sort": "2020-03-15" }, { "year": 2017, "date": "2017-06-08", "policy_series": "Policy forms 7042, 7044, 7042 Rev, 7044 Rev", "requested_pct": "48.30%", "approved_pct": "28.98%", "phasing": null, "outcome": "approved reduced", "policyholders_affected": null, "serff": null, "source_name": "California Department of Insurance, Long Term Care Rate Increase History, Genworth Life Ins Co (NAIC 70025), as of 12/2019", "source_type": "regulator", "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/05-health/01-ltc/upload/GenworthLifeInsCoLTCRH2019.pdf", "sort": "2017-06-08" }, { "year": 2016, "date": "2016-04-26", "policy_series": "Policy forms 7000, 7020, 7030, 7031, 7035", "requested_pct": "42% to 130% depending on form and benefit period (7035: 42 - 58%)", "approved_pct": "42.00%", "phasing": null, "outcome": "approved reduced", "policyholders_affected": null, "serff": null, "source_name": "California Department of Insurance, Long Term Care Rate Increase History, Genworth Life Ins Co (NAIC 70025), as of 12/2019", "source_type": "regulator", "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/05-health/01-ltc/upload/GenworthLifeInsCoLTCRH2019.pdf", "sort": "2016-04-26" } ], "state_rules": [], "lookup_url": "https://dfr.oregon.gov/insure/health/long-term-care/Pages/rate-decisions.aspx", "note": null }, "PA": { "state": "Pennsylvania", "actions": [ { "year": 2026, "date": "2026-01-19", "policy_series": "Privileged Choice Flex", "requested_pct": null, "approved_pct": "0% to 42.1% (lifetime benefit: 42.1% with no or 1% inflation, 27.7% with greater than 1%; limited benefit: 0% and 4.1%; with Revised Married Discount: 0% except 3.2% for limited benefit with greater than 1% inflation)", "phasing": "42.1% is phased 30%, 9.3% compounded; other cells single step", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5PAFlexR6_011926.pdf", "sort": "2026-01-19" }, { "year": 2025, "date": "2025-12-15", "policy_series": "AARP Group (group certificates; decided by Washington, D.C.)", "requested_pct": null, "approved_pct": "10%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5DCAARPGroupR5_121525.pdf", "sort": "2025-12-15" }, { "year": 2024, "date": "2024-09-09", "policy_series": "PCS I (Rate Stability policies issued on or after 9/16/2002)", "requested_pct": null, "approved_pct": "17.5% (lifetime benefit periods); 36.7% (limited benefit periods)", "phasing": "36.7% is phased 16.9%, 16.9% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4PAPCSR9.pdf", "sort": "2024-09-09" }, { "year": 2024, "date": "2024-03-04", "policy_series": "Pre-PCS", "requested_pct": null, "approved_pct": "15.4% (limited benefit periods); 82.6% (lifetime benefit periods)", "phasing": "82.6% is phased 30%, 30%, 8% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4PAPrePCS-R10.pdf", "sort": "2024-03-04" }, { "year": 2023, "date": "2023-10-30", "policy_series": "PCS II", "requested_pct": null, "approved_pct": "37% to 118.2% by issue date, benefit period and inflation protection", "phasing": "Phased over 2 or 3 steps, first steps 30%", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4PALSPOR9.pdf", "sort": "2023-10-30" }, { "year": 2023, "date": "2023-07-03", "policy_series": "Choice 1", "requested_pct": null, "approved_pct": "66.9% to 119.7% by issue date, benefit period and inflation protection", "phasing": "Phased over 2 or 3 steps of up to 30%", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4PACh1R9.pdf", "sort": "2023-07-03" }, { "year": 2022, "date": "2022-12-19", "policy_series": "Privileged Choice Flex (policies with greater than 1% inflation protection)", "requested_pct": null, "approved_pct": "91% to 119.7%", "phasing": "99.4%: 30%, 30%, 18% compounded; 119.7%: 30%, 30%, 30% compounded; 91%: 30%, 30%, 13% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4PAFlexR3.pdf", "sort": "2022-12-19" }, { "year": 2022, "date": "2022-11-18", "policy_series": "Choice 2 and 2.1, forms 7044 and 744 Rev (Privileged Choice / Classic Select generation)", "requested_pct": "75.3%", "approved_pct": "75.3% (requested increase approved)", "phasing": "staged over a 4-year period", "outcome": "approved", "policyholders_affected": 11859, "serff": "GEFA-133237749", "source_name": "Pennsylvania Insurance Department, Long-Term Care Insurance Rate Decision", "source_type": "regulator", "source_url": "https://www.pa.gov/content/dam/copapwp-pagov/en/insurance/documents/consumers/documents/genworth%20choice%202%202.1%20gefa-133237749%20decision%20summary.pdf", "sort": "2022-11-18" }, { "year": 2021, "date": "2021-03-03", "policy_series": "Choice I, form 7035", "requested_pct": "83.8% average (policies issued before 9/16/2002); 60.9% average (issued on or after)", "approved_pct": "20%", "phasing": null, "outcome": "approved reduced", "policyholders_affected": 12900, "serff": "GEFA-132644871 & GEFA-132644872", "source_name": "Pennsylvania Insurance Department, Long-Term Care Insurance Rate Decision", "source_type": "regulator", "source_url": "https://www.pa.gov/content/dam/copapwp-pagov/en/insurance/documents/consumers/documents/rate%20filing%20decision%20--genworth%20gefa-132644871%20%20gefa-132644872.pdf", "sort": "2021-03-03" } ], "state_rules": [], "lookup_url": "https://www.pa.gov/agencies/insurance/posted-filings-reports-company-orders/posted-product-and-rate-filings", "note": null }, "RI": { "state": "Rhode Island", "actions": [ { "year": 2026, "date": "2026-03-23", "policy_series": "Privileged Choice Flex", "requested_pct": null, "approved_pct": "0% to 72.8% (lifetime benefit: 32.3%; limited benefit: 0% with no or 1% inflation, 72.8% with greater than 1%; with Revised Married Discount: 0% except 20% for limited benefit with greater than 1% inflation)", "phasing": "32.3%: 15%, 15% compounded; 72.8%: 20%, 20%, 20% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5RIFlexR1_032326.pdf", "sort": "2026-03-23" }, { "year": 2026, "date": "2026-03-09", "policy_series": "PCS I", "requested_pct": null, "approved_pct": "50.3% (lifetime benefit periods); 11.2% (limited benefit periods)", "phasing": "50.3% is phased 22.6%, 22.6% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5RIPCS1R10_030926.pdf", "sort": "2026-03-09" }, { "year": 2025, "date": "2025-12-15", "policy_series": "AARP Group (group certificates; decided by Washington, D.C.)", "requested_pct": null, "approved_pct": "10%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5DCAARPGroupR5_121525.pdf", "sort": "2025-12-15" }, { "year": 2025, "date": "2025-08-11", "policy_series": "My Future, My Plan 1.0 and 2.0 (group certificates; decided by Washington, D.C.)", "requested_pct": null, "approved_pct": "10%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5DCAssocGrpMFMP1%262R5.pdf", "sort": "2025-08-11" }, { "year": 2023, "date": "2023-02-20", "policy_series": "PCS II, Choice 1", "requested_pct": null, "approved_pct": "25.7% to 71.9%", "phasing": "Two compounded steps each: 12.2%, 23.6%, 24.4% or 31.1%", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4RISPOR7.pdf", "sort": "2023-02-20" }, { "year": 2021, "date": "2021-12-06", "policy_series": "Privileged Choice and Classic Select (AARP and non-AARP)", "requested_pct": null, "approved_pct": "95.3%", "phasing": "25%, 25%, 25% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V321RICh2FBOR6.pdf", "sort": "2021-12-06" } ], "state_rules": [], "lookup_url": null, "note": null }, "SC": { "state": "South Carolina", "actions": [ { "year": 2026, "date": "2026-05-04", "policy_series": "Choice I", "requested_pct": null, "approved_pct": "25%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5SCCh1R12_050426.pdf", "sort": "2026-05-04" }, { "year": 2025, "date": null, "policy_series": "PCS I; PCS II; Choice I; Privileged Choice, Classic Select (including AARP); Privileged Choice Flex", "requested_pct": "PCS I 32.4% (lifetime) / 0% (limited); PCS II 0% to 105%; Choice I 64.4% to 100%; Privileged Choice/Classic Select 0% to 371%; Privileged Choice Flex 0% to 181%", "approved_pct": null, "phasing": null, "outcome": "pending", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer filing notice (pro.genworth.com)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4SCFilingNotice.pdf", "sort": "2025-00-00" }, { "year": 2023, "date": "2023-08-21", "policy_series": "Privileged Choice, Classic Select", "requested_pct": null, "approved_pct": "10% to 25%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4SCCh2R9.pdf", "sort": "2023-08-21" }, { "year": 2022, "date": "2022-08-29", "policy_series": "PCS II", "requested_pct": null, "approved_pct": "15% (limited benefit period); 25% (lifetime)", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V3SCLSPOR8.pdf", "sort": "2022-08-29" } ], "state_rules": [ { "rule": "Genworth notifies South Carolina policyholders when it files for an increase, and they can send comments to the Department of Insurance (LTCObjections@doi.sc.gov).", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4SCFilingNotice.pdf" } ], "lookup_url": null, "note": null }, "SD": { "state": "South Dakota", "actions": [ { "year": 2023, "date": "2023-10-09", "policy_series": "Privileged Choice Flex (policies with greater than 1% inflation protection)", "requested_pct": null, "approved_pct": "78.4% (limited), 127% (lifetime). Policies with Revised Couples Discount: 105% (limited), not applicable (lifetime)", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4SDFlexR4.pdf", "sort": "2023-10-09" }, { "year": 2022, "date": "2022-10-17", "policy_series": "PCS II and Choice 1", "requested_pct": null, "approved_pct": "PCS II limited: 0% (1% or no inflation protection), 80% (greater than 1%). PCS II lifetime: 35%, 95%. Choice 1 limited: 0%, 105%. Choice 1 lifetime: 80%, 105%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4SDLSPOR9.pdf", "sort": "2022-10-17" }, { "year": 2021, "date": "2021-04-05", "policy_series": "Privileged Choice and Classic Select", "requested_pct": null, "approved_pct": "40.2% (non-AARP); 39.9% (AARP Privileged Choice)", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V321SDR6FBO.pdf", "sort": "2021-04-05" }, { "year": 2021, "date": "2021-01-04", "policy_series": "PCS II and Choice 1", "requested_pct": null, "approved_pct": "PCS II: 26% (limited), 53% (lifetime). Choice 1: 55% (limited), 72% (lifetime)", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V321SDLSPOR7.pdf", "sort": "2021-01-04" }, { "year": 2020, "date": "2020-11-16", "policy_series": "Privileged Choice Flex", "requested_pct": null, "approved_pct": "66.3%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V320SDFlexR1.pdf", "sort": "2020-11-16" }, { "year": 2020, "date": "2020-03-30", "policy_series": "Privileged Choice and Classic Select", "requested_pct": null, "approved_pct": "21.6% (non-AARP); 20.8% (AARP Privileged Choice)", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V320SDR5FBO.pdf", "sort": "2020-03-30" }, { "year": 2018, "date": "2018-06-04", "policy_series": "PCS I, PCS II, Choice 1", "requested_pct": null, "approved_pct": "55% (limited), 72% (lifetime)", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V3SDSPO.pdf", "sort": "2018-06-04" }, { "year": 2016, "date": "2016-09-19", "policy_series": "Privileged Choice and Classic Select", "requested_pct": null, "approved_pct": "47.8%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/159794V2SDR2.pdf", "sort": "2016-09-19" } ], "state_rules": [], "lookup_url": null, "note": null }, "TN": { "state": "Tennessee", "actions": [ { "year": 2024, "date": "2024-06-10", "policy_series": "Choice 1", "requested_pct": null, "approved_pct": "105.00% (limited, no or 1% inflation); 133.00% (limited, greater than 1% inflation); 113.00% (lifetime, no or 1% inflation); 143.00% (lifetime, greater than 1% inflation)", "phasing": "Four phases. Limited/no or 1% inflation: 35.00%, 20.00%, 20.00%, 5.40%. Limited/greater than 1%: 35.00%, 20.00%, 20.00%, 19.80%. Lifetime/no or 1%: 35.00%, 20.00%, 20.00%, 9.50%. Lifetime/greater than 1%: 35.00%, 25.00%, 20.00%, 20.00%", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4TNCh1R10.pdf", "sort": "2024-06-10" }, { "year": 2024, "date": "2024-02-12", "policy_series": "Privileged Choice & Classic Select", "requested_pct": null, "approved_pct": "Non-AARP: limited 0% (no or 1% inflation) or 77.23% phased (greater than 1%); lifetime 36.62% phased (no or 1%) or 158.94% phased (greater than 1%). AARP: limited 0% or 76.42% phased; lifetime 35% or 156.84% phased", "phasing": "77.23% as (30%, 20%, 9.4% compounded); 36.62% as (35%, 1.2% compounded); 158.94% as (35%, 20%, 20%, 20%, 11% compounded); 76.42% as (35%, 20%, 8.9% compounded); 156.84% as (35%, 20%, 20%, 20%, 10.1% compounded)", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4TNCh2R8.pdf", "sort": "2024-02-12" }, { "year": 2024, "date": "2024-02-05", "policy_series": "PCS II", "requested_pct": null, "approved_pct": "Limited: 8.5% (no or 1% inflation), 95.2% phased (greater than 1% inflation). Lifetime: 52.2% phased (no or 1% inflation), 118.9% phased (greater than 1% inflation)", "phasing": "95.2% as (35%, 20.5%, 20% compounded); 52.2% as (35%, 12.7% compounded); 118.9% as (35%, 20%, 20%, 12.6% compounded)", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4TNPCS2R10.pdf", "sort": "2024-02-05" }, { "year": 2024, "date": "2024-01-22", "policy_series": "Privileged Choice Flex", "requested_pct": null, "approved_pct": "Limited: not applicable (no or 1% inflation), 96.34% phased (greater than 1% inflation). Lifetime: 1.8% (no or 1% inflation), 143.97% phased (greater than 1% inflation). With Revised Married Discount: limited/greater than 1% inflation 95% phased; lifetime not applicable", "phasing": "96.34% as (35%, 21.2%, 20% compounded); 143.97% as (35%, 25.5%, 20%, 20% compounded); 95% as (35%, 20.3%, 20% compounded)", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4TNFlexR3.pdf", "sort": "2024-01-22" } ], "state_rules": [], "lookup_url": null, "note": null }, "TX": { "state": "Texas", "actions": [ { "year": 2025, "date": "2025-02-24", "policy_series": "PCS I and PCS II", "requested_pct": null, "approved_pct": "PCS I: 12.1% (lifetime benefit period), 0% (limited). PCS II with greater than 1% inflation protection: 77.3% (lifetime), 56% (limited). PCS II with no or 1% inflation protection: 0%", "phasing": "PCS II 77.3% phased 25%, 25%, 13.5% compounded; PCS II 56% phased 25%, 24.8% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5TXPCSPCS2R11.pdf", "note_public": "The notice says Genworth agreed not to seek further increases on PCS I and PCS II policies in Texas.", "sort": "2025-02-24" }, { "year": 2025, "date": "2025-02-24", "policy_series": "Privileged Choice Flex, policies with Revised Married Discount", "requested_pct": null, "approved_pct": "25% for limited benefit period policies with greater than 1% inflation protection; 0% for all other listed categories", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5TXFlex1R5.pdf", "sort": "2025-02-24" }, { "year": 2023, "date": "2023-10-09", "policy_series": "Privileged Choice and Classic Select", "requested_pct": null, "approved_pct": "Limited benefit period, greater than 1% inflation protection: 68%. Lifetime, no or 1% inflation protection: 17.9%. Lifetime, greater than 1% inflation protection: 77.2%. Limited, no or 1% inflation: not applicable", "phasing": "68% phased 25%, 25%, 7.5% compounded; 77.2% phased 25%, 25%, 13.4% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4TXCh2R8.pdf", "sort": "2023-10-09" }, { "year": 2023, "date": "2023-10-09", "policy_series": "My Future, My Plan 1.0 and 2.0 (group certificates)", "requested_pct": null, "approved_pct": "58.5%", "phasing": "26%, 25.8% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4TXMFMPR3.pdf", "sort": "2023-10-09" }, { "year": 2021, "date": "2021-11-01", "policy_series": "Privileged Choice Flex", "requested_pct": null, "approved_pct": "With Benefit Increase Option: 36.9% (limited), 94.3% (lifetime). No Benefit Increase Option: 18.1% (limited), 51.5% (lifetime)", "phasing": "36.9% phased 17%, 17% compounded; 94.3% phased 39.4%, 39.4% compounded; 51.5% phased 23.1%, 23.1% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V321TXFlexR1.pdf", "sort": "2021-11-01" } ], "state_rules": [ { "rule": "When Texas approves a long-term care rate increase, the insurer must let the policyholder adjust benefits to offset the cost.", "source_url": "https://tdi.texas.gov/CONSUMER/long-term-rate-faq.html" } ], "lookup_url": null, "note": null }, "UT": { "state": "Utah", "actions": [ { "year": 2020, "date": "2020-03-16", "policy_series": "Privileged Choice, Classic Select", "requested_pct": null, "approved_pct": "10.5%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V320UTR5FBO.pdf", "sort": "2020-03-16" }, { "year": 2018, "date": "2018-09-11", "policy_series": "Policy forms 7020, 7035; 7030, 7031, 7032", "requested_pct": "55 - 72% (55% limited benefits, 72% lifetime benefits)", "approved_pct": "55-72%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "California Department of Insurance, Long Term Care Rate Increase History, Genworth Life Ins Co (NAIC 70025), as of 12/2019", "source_type": "regulator", "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/05-health/01-ltc/upload/GenworthLifeInsCoLTCRH2019.pdf", "sort": "2018-09-11" }, { "year": 2018, "date": "2018-07-23", "policy_series": "Policy forms 7021", "requested_pct": "39 - 202% (39% limited benefits, 202% lifetime benefits)", "approved_pct": "30 - 60%", "phasing": null, "outcome": "approved reduced", "policyholders_affected": null, "serff": null, "source_name": "California Department of Insurance, Long Term Care Rate Increase History, Genworth Life Ins Co (NAIC 70025), as of 12/2019", "source_type": "regulator", "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/05-health/01-ltc/upload/GenworthLifeInsCoLTCRH2019.pdf", "sort": "2018-07-23" }, { "year": 2018, "date": "2018-05-18", "policy_series": "Policy forms 7042, 7044, 7042 Rev, 7044 Rev", "requested_pct": "54.00% (59.70% on the AARP 2017 Round 3 filing)", "approved_pct": "32.00% (33.60% AARP)", "phasing": null, "outcome": "approved reduced", "policyholders_affected": null, "serff": null, "source_name": "California Department of Insurance, Long Term Care Rate Increase History, Genworth Life Ins Co (NAIC 70025), as of 12/2019", "source_type": "regulator", "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/05-health/01-ltc/upload/GenworthLifeInsCoLTCRH2019.pdf", "sort": "2018-05-18" } ], "state_rules": [], "lookup_url": null, "note": null }, "VT": { "state": "Vermont", "actions": [ { "year": 2025, "date": "2025-12-15", "policy_series": "AARP Group (group certificates; decided by Washington, D.C.)", "requested_pct": null, "approved_pct": "10%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth field bulletin (In-Force Rate Action Announcement, producer use)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5DCAARPGroupR5_121525.pdf", "sort": "2025-12-15" }, { "year": 2024, "date": "2024-11-22", "policy_series": "Individual LTC (series not named)", "requested_pct": "96% average; 208% highest", "approved_pct": null, "phasing": null, "outcome": "pending", "policyholders_affected": 44, "serff": "GEFA-134411670", "source_name": "Vermont Department of Financial Regulation, Long-Term Care Rate Increase Filings Under Consideration with DFR (dated 9/15/25)", "source_type": "regulator", "source_url": "https://dfr.vermont.gov/sites/finreg/files/documents/VT%20DFR%20pending%20LTC%20rate%20increases%209.16.25.pdf", "sort": "2024-11-22" }, { "year": 2024, "date": "2024-10-21", "policy_series": "Individual LTC (series not named)", "requested_pct": "233% average; 356% highest", "approved_pct": null, "phasing": null, "outcome": "pending", "policyholders_affected": 256, "serff": "GEFA-134411657", "source_name": "Vermont Department of Financial Regulation, Long-Term Care Rate Increase Filings Under Consideration with DFR (dated 9/15/25)", "source_type": "regulator", "source_url": "https://dfr.vermont.gov/sites/finreg/files/documents/VT%20DFR%20pending%20LTC%20rate%20increases%209.16.25.pdf", "sort": "2024-10-21" }, { "year": 2024, "date": "2024-09-25", "policy_series": "Individual LTC (series not named)", "requested_pct": "254% average; 355% highest", "approved_pct": null, "phasing": null, "outcome": "pending", "policyholders_affected": 4, "serff": "GEFA-134411679", "source_name": "Vermont Department of Financial Regulation, Long-Term Care Rate Increase Filings Under Consideration with DFR (dated 9/15/25)", "source_type": "regulator", "source_url": "https://dfr.vermont.gov/sites/finreg/files/documents/VT%20DFR%20pending%20LTC%20rate%20increases%209.16.25.pdf", "sort": "2024-09-25" }, { "year": 2024, "date": "2024-08-30", "policy_series": "Individual LTC (series not named)", "requested_pct": "297% average; 547% highest", "approved_pct": null, "phasing": null, "outcome": "pending", "policyholders_affected": 1774, "serff": "GEFA-134411681", "source_name": "Vermont Department of Financial Regulation, Long-Term Care Rate Increase Filings Under Consideration with DFR (dated 9/15/25)", "source_type": "regulator", "source_url": "https://dfr.vermont.gov/sites/finreg/files/documents/VT%20DFR%20pending%20LTC%20rate%20increases%209.16.25.pdf", "sort": "2024-08-30" }, { "year": 2023, "date": "2023-11-07", "policy_series": "Choice 2 (Privileged Choice / Classic Select generation)", "requested_pct": "189%", "approved_pct": "21%", "phasing": null, "outcome": "approved reduced", "policyholders_affected": 2084, "serff": "GEFA-133030281", "source_name": "Vermont Department of Financial Regulation, Long-Term Care Rate Increase Filings Approved by DFR (dated 9/16/25)", "source_type": "regulator", "source_url": "https://dfr.vermont.gov/sites/finreg/files/documents/VT%20DFR%20approved%20LTC%20rate%20increases%209.16.25%20SERFF%20TRACKING.pdf", "sort": "2023-11-07" }, { "year": 2022, "date": "2022-12-07", "policy_series": "Pre-PCS", "requested_pct": "85%", "approved_pct": null, "phasing": null, "outcome": "denied", "policyholders_affected": 43, "serff": "GEFA-133030248", "source_name": "Vermont Department of Financial Regulation, Long-Term Care Rate Increase Filings Approved by DFR (dated 9/16/25)", "source_type": "regulator", "source_url": "https://dfr.vermont.gov/sites/finreg/files/documents/VT%20DFR%20approved%20LTC%20rate%20increases%209.16.25%20SERFF%20TRACKING.pdf", "sort": "2022-12-07" }, { "year": 2019, "date": "2019-12-04", "policy_series": "Choice 2", "requested_pct": "85.8%", "approved_pct": "22.4%", "phasing": null, "outcome": "approved reduced", "policyholders_affected": 2345, "serff": "GEFA-131702650", "source_name": "Vermont Department of Financial Regulation, Long-Term Care Rate Increase Filings Approved by DFR (dated 9/16/25)", "source_type": "regulator", "source_url": "https://dfr.vermont.gov/sites/finreg/files/documents/VT%20DFR%20approved%20LTC%20rate%20increases%209.16.25%20SERFF%20TRACKING.pdf", "sort": "2019-12-04" } ], "state_rules": [], "lookup_url": "https://dfr.vermont.gov/document/vermont-dfr-approved-long-term-care-rate-increases-91625-serff-tracking", "note": null }, "VA": { "state": "Virginia", "actions": [ { "year": 2026, "date": "2026-07-31", "policy_series": "Group long-term care (policy form 7046)", "requested_pct": "36.8%", "approved_pct": null, "phasing": null, "outcome": "pending", "policyholders_affected": 15429, "serff": "GEFA-135040337", "source_name": "Virginia SCC Bureau of Insurance, pending LTC rate filings table", "source_type": "regulator", "source_url": "https://www.scc.virginia.gov/boi/SERFFInquiry/LtcFilings.aspx", "sort": "2026-07-31" }, { "year": 2025, "date": "2025-02-28", "policy_series": "Group long-term care (policy form 7046)", "requested_pct": "14.1%", "approved_pct": "14.1%", "phasing": null, "outcome": "approved", "policyholders_affected": 17263, "serff": "GEFA-133868432", "source_name": "Virginia SCC Bureau of Insurance rate request summary (Part 2)", "source_type": "regulator", "source_url": "https://www.scc.virginia.gov/boi/SERFFInquiry/Attachments/LH/RateSummary/GEFA-133868432_131779975_RRS2.pdf", "sort": "2025-02-28" }, { "year": 2024, "date": "2024-12-09", "policy_series": "PCS II", "requested_pct": "84.7%", "approved_pct": "80.7% average; 34.5% to 85.5%", "phasing": "Genworth bulletin: lifetime/high-inflation 85.5% phased (16.7% x4 compounded); limited/high-inflation 79.8% phased (15.8% x4); lifetime/no-or-1%-inflation 34.5% phased (7.7% x4)", "outcome": "approved reduced", "policyholders_affected": 4668, "serff": "GEFA-133450195", "source_name": "Virginia SCC Bureau of Insurance rate request summary (Part 2)", "source_type": "regulator", "source_url": "https://www.scc.virginia.gov/boi/SERFFInquiry/Attachments/LH/RateSummary/GEFA-133450195_131364934_RRS2.pdf", "sort": "2024-12-09" }, { "year": 2024, "date": "2024-12-09", "policy_series": "Choice 1 (two filings: forms issued before and on/after 10/1/2003)", "requested_pct": "103.9% and 103.5% (two filings)", "approved_pct": "26.8% average and 27.3% average; 25% to 39%", "phasing": null, "outcome": "approved reduced", "policyholders_affected": "1,554 and 189", "serff": "GEFA-133450229; GEFA-133450198", "source_name": "Virginia SCC Bureau of Insurance rate request summary (Part 2)", "source_type": "regulator", "source_url": "https://www.scc.virginia.gov/boi/SERFFInquiry/Attachments/LH/RateSummary/GEFA-133450229_131364901_RRS2.pdf", "sort": "2024-12-09" }, { "year": 2024, "date": "2024-09-27", "policy_series": "PCS I; Choice 1; Privileged Choice and Classic Select; Privileged Choice Flex (six filings)", "requested_pct": "PCS I 25.3% avg (11.7% limited / 43.0% lifetime); Choice 1 62.4% and 63.7% avg (29.8% to 79.2%); Privileged Choice/Classic Select 47.9% avg (46.7% to 53.8%) and 18.8% avg (15% to 50%); Flex 49.1% avg (45.2% to 51.9%)", "approved_pct": null, "phasing": null, "outcome": "pending", "policyholders_affected": "411; 1,236; 158; 10,744; 48; 2,889", "serff": "GEFA-134080693; GEFA-134080689; GEFA-134080688; GEFA-134080690; GEFA-134080700; GEFA-134257408", "source_name": "Virginia SCC Bureau of Insurance, pending LTC rate filings table", "source_type": "regulator", "source_url": "https://www.scc.virginia.gov/boi/SERFFInquiry/LtcFilings.aspx", "note_public": "Filed September to December 2024.", "sort": "2024-09-27" }, { "year": 2024, "date": "2024-06-10", "policy_series": "Privileged Choice and Classic Select", "requested_pct": "111.6%", "approved_pct": "47.7% average; 0% to 105.8%", "phasing": null, "outcome": "approved reduced", "policyholders_affected": 15320, "serff": "GEFA-133450231", "source_name": "Virginia SCC Bureau of Insurance rate request summary (Part 2)", "source_type": "regulator", "source_url": "https://www.scc.virginia.gov/boi/SERFFInquiry/Attachments/LH/RateSummary/GEFA-133450231_131364871_RRS2.pdf", "sort": "2024-06-10" } ], "state_rules": [ { "rule": "Every LTC rate increase must be filed with the Bureau of Insurance, which may approve, disapprove, or approve a lower rate.", "source_url": "https://www.scc.virginia.gov/consumers/insurance/health-insurance-consumer/long-term-care-insurance-rate-increases/" }, { "rule": "Insurers must tell policyholders about a rate increase request within 60 days of filing it, and policyholders can comment to the Bureau (LTCRateComment@scc.virginia.gov).", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4VACh2FlexFilingNotice.pdf" }, { "rule": "Increases are reviewed under 14VAC5-200-153; the Bureau cites a 60% minimum lifetime loss ratio in its decisions.", "source_url": "https://www.scc.virginia.gov/boi/SERFFInquiry/Attachments/LH/RateSummary/GEFA-133450231_131364871_RRS2.pdf" } ], "lookup_url": "https://www.scc.virginia.gov/boi/SERFFInquiry/LtcFilings.aspx", "note": "Virginia publishes both what Genworth asked for and what the Bureau allowed. Six requests on individual policies filed in late 2024 were still pending when we last checked." }, "WA": { "state": "Washington", "actions": [ { "year": 2024, "date": "2024-05-20", "policy_series": "Privileged Choice, Classic Select (AARP and non-AARP)", "requested_pct": null, "approved_pct": "30%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4WACh2R9.pdf", "sort": "2024-05-20" }, { "year": 2021, "date": "2021-09-13", "policy_series": "Pre-PCS, PCS I, PCS II, Choice 1", "requested_pct": null, "approved_pct": "30%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V321WASPOR7.pdf", "sort": "2021-09-13" }, { "year": 2019, "date": "2019-09-09", "policy_series": "Choice 1", "requested_pct": null, "approved_pct": "30%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V319WASPOR4.pdf", "sort": "2019-09-09" }, { "year": 2017, "date": "2017-04-25", "policy_series": "Policy forms 7042, 7044, 7042 Rev, 7044 Rev", "requested_pct": "48.50% (53.70% on the AARP 2017 Round 2 filing)", "approved_pct": "48.50%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "California Department of Insurance, Long Term Care Rate Increase History, Genworth Life Ins Co (NAIC 70025), as of 12/2019", "source_type": "regulator", "source_url": "https://www.insurance.ca.gov/01-consumers/105-type/95-guides/05-health/01-ltc/upload/GenworthLifeInsCoLTCRH2019.pdf", "sort": "2017-04-25" } ], "state_rules": [ { "rule": "Washington requires prior approval of LTC rate increases by the Office of the Insurance Commissioner, and the OIC says it cannot deny a justified, lawful increase.", "source_url": "https://insurance.wa.gov/long-term-care-insurance-rate-increases" } ], "lookup_url": null, "note": null }, "WV": { "state": "West Virginia", "actions": [ { "year": 2025, "date": "2025-09-22", "policy_series": "Privileged Choice, Classic Select (non-AARP and AARP)", "requested_pct": null, "approved_pct": "35% (lifetime, inflation >1%); 30% (limited, inflation >1%); 0% for no or 1% inflation", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5WVCh2R11.pdf", "sort": "2025-09-22" }, { "year": 2025, "date": "2025-09-22", "policy_series": "Privileged Choice Flex", "requested_pct": null, "approved_pct": "0% to 10.7%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5WVFlexR6.pdf", "sort": "2025-09-22" }, { "year": 2023, "date": "2023-12-11", "policy_series": "Privileged Choice, Classic Select", "requested_pct": null, "approved_pct": "23.4% to 61.5%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4WVCh2R8.pdf", "sort": "2023-12-11" }, { "year": 2023, "date": "2023-11-13", "policy_series": "Choice 1", "requested_pct": null, "approved_pct": "40.2% to 103%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4WVCh1R9.pdf", "sort": "2023-11-13" } ], "state_rules": [], "lookup_url": null, "note": null }, "WI": { "state": "Wisconsin", "actions": [ { "year": 2025, "date": "2025-02-10", "policy_series": "PCS I", "requested_pct": null, "approved_pct": "33.1% phased (10%, 10%, 10% compounded)", "phasing": "Three steps of 10%, implemented in 2025, 2027 and 2029", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V5WIPCSR8.pdf", "sort": "2025-02-10" }, { "year": 2024, "date": "2024-09-23", "policy_series": "AARP Group: My Future, My Plan 1.0 and 2.0", "requested_pct": null, "approved_pct": "64.8%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4WIMFMP1&2R5.pdf", "sort": "2024-09-23" }, { "year": 2024, "date": "2024-04-22", "policy_series": "Privileged Choice & Classic Select (AARP and non-AARP)", "requested_pct": null, "approved_pct": "0% to 190.5% depending on benefit period and inflation protection: limited/no or 1% inflation 0.00%; limited/greater than 1% inflation 53.30%; lifetime/no or 1% inflation 2.50%; lifetime/greater than 1% inflation 190.50%", "phasing": "Multi-year, 7 numbered phases. Lifetime with greater than 1% inflation: 50.00% (phase 1), 50.00% (phase 4), 29.10% (phase 7). Limited with greater than 1% inflation: 50.00% (phase 1), 2.50% (phase 4). Lifetime with no or 1% inflation: 2.50% (phase 1).", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4WICh2R9.pdf", "sort": "2024-04-22" }, { "year": 2024, "date": "2024-04-22", "policy_series": "Privileged Choice Flex", "requested_pct": null, "approved_pct": "0% to 161.2% depending on benefit period, inflation protection and married discount. Without Revised Married Discount: limited/greater than 1% inflation 88.60%; lifetime/greater than 1% inflation 161.20%; no or 1% inflation 0.00%. With Revised Married Discount: limited/greater than 1% inflation 98.50%; all other groups 0.00%", "phasing": "Multi-year, 7 numbered phases. Without Revised Married Discount, lifetime/greater than 1% inflation: 50.00% (phase 1), 50.00% (phase 4), 16.10% (phase 7); limited/greater than 1% inflation: 50.00% (phase 1), 25.70% (phase 4). With Revised Married Discount, limited/greater than 1% inflation: 50.00% (phase 1), 32.30% (phase 4).", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4WIFlexR4.pdf", "sort": "2024-04-22" }, { "year": 2024, "date": "2024-04-22", "policy_series": "PCS II and Choice 1", "requested_pct": null, "approved_pct": "PCS II: 77.16% total for all four benefit/inflation groups. Choice: 94.87% total for all four groups", "phasing": "PCS II: 10.00% in phases 1, 3, 5, 7, 9 and 11 (0.00% in the even phases). Choice 1: 10.00% in phases 1, 3, 5, 7, 9, 11 and 13 (0.00% in the even phases).", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4WIPCS2R9.pdf", "sort": "2024-04-22" }, { "year": 2023, "date": "2023-07-03", "policy_series": "Choice 1 (policies issued on or after 1/1/2002)", "requested_pct": null, "approved_pct": "15.7% to 114%: limited benefit period 15.7% (no or 1% inflation) or 112% (greater than 1% inflation); lifetime benefit period 88.2% (no or 1% inflation) or 114% (greater than 1% inflation)", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4WICh1R9.pdf", "sort": "2023-07-03" }, { "year": 2022, "date": "2022-01-31", "policy_series": "AARP Group: My Future, My Plan 1.0 and 2.0", "requested_pct": null, "approved_pct": "103%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V3WIMFMPR2.pdf", "sort": "2022-01-31" }, { "year": 2020, "date": "2020-11-16", "policy_series": "Privileged Choice Flex", "requested_pct": null, "approved_pct": "66.3%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V320WIFlexR1.pdf", "sort": "2020-11-16" }, { "year": 2020, "date": "2020-06-22", "policy_series": "Privileged Choice (AARP policies)", "requested_pct": null, "approved_pct": "23.6%", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (In-Force Rate Action Announcement)", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V320WIAARPR5.pdf", "sort": "2020-06-22" } ], "state_rules": [ { "rule": "For long-term care policy forms first introduced before January 2, 2002, a rate change filing in Wisconsin must show the new rates will not raise premiums more than 50% cumulatively over three years.", "source_url": "https://oci.wi.gov/Documents/OCIForms/RateFilings.PDF" }, { "rule": "For policies issued on or after January 1, 2002, a rate increase triggers loss ratio standards unless OCI finds it is an 'exceptional' increase (Wis. Adm. Code Ins 3.455).", "source_url": "https://oci.wi.gov/Pages/Regulation/Bulletin20010723LTC.aspx" } ], "lookup_url": "https://oci.wi.gov/Pages/Companies/PolicyFormsRateFilingSearch.aspx", "note": "Wisconsin's regulator does not publish a list of approved long-term care increases, so every Wisconsin row comes from Genworth's notices and shows only what was allowed, not what was asked." }, "WY": { "state": "Wyoming", "actions": [ { "year": 2024, "date": "2024-04-08", "policy_series": "Privileged Choice and Classic Select", "requested_pct": null, "approved_pct": "Limited benefit period: 0% (no or 1% inflation protection), 71.6% (greater than 1%). Lifetime: 50.4% (no or 1%), 214.8% (greater than 1%)", "phasing": "71.6%: 15%, 15%, 15%, 12.8%; 50.4%: 15%, 15%, 13.7%; 214.8%: 33.2% x4, all compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4WYCh2R9.pdf", "sort": "2024-04-08" }, { "year": 2023, "date": "2023-11-20", "policy_series": "Privileged Choice Flex", "requested_pct": null, "approved_pct": "Limited benefit period, greater than 1% inflation protection: 59.5%. Lifetime benefit period, no or 1% inflation protection: 27.1%", "phasing": "59.5%: 15%, 15%, 15%, 4.9% compounded; 27.1%: 15%, 10.5% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4WYFlexR4.pdf", "sort": "2023-11-20" }, { "year": 2023, "date": "2023-11-13", "policy_series": "Choice 1", "requested_pct": null, "approved_pct": "Limited benefit period: 82.9% (no or 1% inflation protection), 107.4% (greater than 1%). Lifetime: 103.9% (no or 1%), 130.4% (greater than 1%)", "phasing": "82.9%: 16.3% x4; 107.4%: 20% x4; 103.9%: 19.5% x4; 130.4%: 23.2% x4, all compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V4WYCh1R10.pdf", "sort": "2023-11-13" }, { "year": 2021, "date": "2021-03-29", "policy_series": "Privileged Choice and Classic Select", "requested_pct": null, "approved_pct": "44.15%", "phasing": "15%, 15%, 9% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V321WYR6FBO.pdf", "sort": "2021-03-29" }, { "year": 2020, "date": "2020-11-16", "policy_series": "Privileged Choice Flex", "requested_pct": null, "approved_pct": "49.3%", "phasing": "15%, 15%, 12.9% compounded", "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V320WYFlexR1.pdf", "sort": "2020-11-16" }, { "year": 2020, "date": "2020-03-16", "policy_series": "Privileged Choice and Classic Select", "requested_pct": null, "approved_pct": "12.8% (non-AARP); 12.7% (AARP Privileged Choice)", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V320WYR5FBO.pdf", "sort": "2020-03-16" }, { "year": 2018, "date": "2018-04-16", "policy_series": "Choice 1", "requested_pct": null, "approved_pct": "55% (limited benefit period), 72% (lifetime)", "phasing": null, "outcome": "approved", "policyholders_affected": null, "serff": null, "source_name": "Genworth producer bulletin (pro.genworth.com), In-Force Rate Action Announcement", "source_type": "carrier", "source_url": "https://pro.genworth.com/riiproweb/productinfo/pdf/158635V2WYR4.pdf", "sort": "2018-04-16" } ], "state_rules": [], "lookup_url": null, "note": null } } }