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.
Genworth Rate Increases by State
Every state's approved Genworth long-term care rate actions from 2016 to 2026, with the policy series, the increase allowed and a link to the regulator document behind each row.
SEE THE STATE TABLE arrow_forwardFEATURED ANALYSIS
Genworth LTC Rate Increases: 2018–2025 Filing History
$34.5B NPV approved through Q1 2026. 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
$34.5B NPV approved · Largest in-force LTC book
Legacy block (Privileged Choice, Classic Select, Cornerstone, Choice II) plus new CareScout Care Assurance line as of October 2025.
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
Rate-filing data on this page is compiled from NAIC SERFF filings and state insurance department public records. Approvals vary by state, policy series, inflation rider configuration, and underwriting class — we capture the public-record cumulative-increase percentage at the policy-series-and-state level. See our methodology for source mapping and our editor bio for credentialing.
RELATED — CARRIER FILE
The full LTC Carrier File
Eight major carriers, four grounded metrics each: NAIC complaint indices, current sales status, recent state-DOI rate-filing approvals, and disclosed block size. Every figure linked to its primary source. Updated quarterly.
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.