LTC Rate-Hike Tracker
Editorial coverage of approved rate increases across major long-term care insurance carriers. Q2 2026 launch covers Genworth Financial — the largest in-force LTC book and the most active rate-filer in the industry. Other carriers (Mutual of Omaha, Northwestern Mutual, New York Life, Brighthouse) join in Q3 2026. Sourced from regulatory filings, state insurance department records, and named press coverage.
National Rate Trends
Average approved rate-increase percentage by quarter (placeholder data — live data populates Q2 2026)
FEATURED ANALYSIS
Genworth's 2026 Rate-Filing Trajectory
$31.8B NPV approved through Q3 2025. Connecticut policyholders received 97% avg increases (range 79-173%). Massachusetts denied a 161% request as "unjust, unfair, inequitable." What it means for Genworth's in-force book.
Coverage Status by Carrier
Browse by Carrier
Detailed historical rate-filing analysis for each covered carrier — per-carrier hubs publish Q3 2026 alongside the initial SERFF curation cycle.
Genworth Financial
$31.8B NPV approved · Largest in-force LTC book
Coverage status: Closed Block
Mutual of Omaha
Active sales
Coverage status: Active
Northwestern Mutual
QuietCare brand
Coverage status: Active
New York Life
MyCare Family hybrid
Coverage status: Active
Brighthouse Financial
SmartCare product
Coverage status: Active
Notable Rate-Filing Events
Genworth — Q2'26 release| Carrier | State | Policy Series | Increase | Year | Status |
|---|---|---|---|---|---|
| Genworth | Connecticut | Multiple in-force series | 97% avg Range 79–173% |
2022 | APPROVED |
| Genworth | Massachusetts | In-force series | 161% requested 0% approved |
2023 | DENIED · LITIGATED |
| Genworth | Florida | Privileged Choice + Classic Select | 98.1% phased ~25.6% × 3 |
~2018 | APPROVED |
| Genworth | California | Partnership-qualified policies | ≤40% Regulatory cap |
Ongoing | CAP |
| Genworth | New York | Multiple in-force series | Various DFS reform 2023 |
2023+ | METHODOLOGY REFORM |
Per-event detail and citations on the Genworth carrier page. Other carriers (Mutual of Omaha, Northwestern Mutual, New York Life, Brighthouse) coverage rolling out Q3 2026. Per-state SERFF filing detail for the 8 target states arrives in the same release.
EDITORIAL DISCLAIMER
The Long Term Care Desk provides this data for educational and research purposes only. Rate-filing approvals are subject to individual state insurance department review and may vary based on specific policy riders, inflation options, and underwriting classes. Always consult your insurance carrier or a licensed fiduciary professional before making changes to your coverage.
Browse by State
Eight states tracked, prioritized by in-force LTC policyholder concentration. Per-state hubs publish Q3 2026 alongside the initial SERFF curation cycle.