Carrier status
Genworth Financial discontinued new individual long-term care insurance sales in 2019 and operates the legacy in-force LTC book as a closed system. In October 2025, Genworth re-entered standalone LTC sales with a new product, Care Assurance, written through its CareScout Insurance Company subsidiary (40 states active by end of 2025; 4 additional states pending as of February 2026). The legacy block and the new CareScout block are distinct: in-force policyholders on the legacy Privileged Choice / Classic Select / Cornerstone / Choice II series remain in the closed system and remain subject to the rate-action history catalogued below. The company has been the most active rate-filer in the LTC industry by total premium-dollar volume, and its rate-increase trajectory is a leading indicator for the broader closed-block LTC market.
For verified detail on Genworth's NAIC complaint indices, current sales status, and block size, see the Genworth Carrier File.
In-force policy series tracked here: Privileged Choice (2003-2012), Classic Select (2003-2012), Cornerstone (1996-2002), and Choice II (2010-2019). Each series has its own rate-action history; the rate increases on a given Genworth policy depend on the series, the original issue age, the inflation rider configuration, and the state of issue.
National rate-action rollup
Cumulative NPV approved (through Q1 2026)
$34.5B
Per Genworth's Q1 2026 earnings disclosures, up from $31.8B at Q3 2025. Net-present-value basis across all approved Genworth rate-increase actions on the in-force LTC block.
2023 — record approval year
$549M
Annual approved premium increases in 2023, described by CEO Thomas McInerney as a record year. Weighted average increase: 51%.
Approval count 2021-2023
429
Approved rate-increase requests across states between 2021 and end of 2023, with 144 additional requests pending at year-end 2023.
Annual approval run-rate
$300-350M
Typical annual approved premium increases per Genworth's recent disclosure. 2023's $549M is well above this run-rate; CFO Upton signaled higher Q4 2025 approvals after a slower year.
Sources: CT Mirror (January 2025); InsuranceNewsNet (Genworth Q3 2025 reporting); Genworth Q1 2026 earnings coverage. National rollup figures are Genworth-disclosed totals; per-state and per-policyholder impact varies materially.
Genworth rate increases by state
This table lists 286 documented rate actions on Genworth's in-force long-term care policies across 51 states and Washington, D.C. Each row links to the document it came from: a Genworth rate action notice or a state insurance regulator's record. Find your state, then match the policy series printed on your policy or your rate increase letter.
HOW TO READ A ROW
- Policy series is Genworth's product name: PCS I, PCS II, Choice 1, Privileged Choice, Classic Select, Privileged Choice Flex, or My Future, My Plan (group certificates).
- Allowed is the total increase. Most totals differ by benefit period (limited or lifetime) and by whether the policy has inflation protection above 1%.
- Steps shows how a total is spread out. "30%, 30%, 30% compounded" means three yearly increases of 30%, each on top of the last.
- Asked appears only where a regulator published the request. Genworth's own notices give what the state allowed, not what Genworth asked for.
- Date is the date of Genworth's notice, or the regulator's decision or filing date. The increase reaches a policy at its next billing anniversary after written notice.
| State | Actions listed | Most recent | Most recent action |
|---|---|---|---|
| Alabama | 5 | Aug 2025 | Privileged Choice, Classic Select (non-AARP): 0% to 37.5% |
| Alaska | 6 | Aug 2026 | Privileged Choice and Classic Select: Non-AARP: 15.9% lifetime, 20.8% limited; AARP: 20.5% limited ... |
| Arizona | 5 | Sep 2020 | Privileged Choice, Classic Select: 35.5% |
| Arkansas | 7 | May 2025 | Choice I: Lifetime: 13% (no or 1% inflation), 21% (greater than 1% ... |
| California | 8 | Jul 2026 | Choice I (California Partnership, policy form 7037C): 40% phased |
| Colorado | 5 | Apr 2025 | PCS I and PCS II: PCS I: 20% (lifetime and limited). PCS II lifetime: 19% (no or 1% ... |
| Connecticut | 9 | 2026 | Individual policies sold in Connecticut from 2002 to 2005 (Partnership and non-Partnership): 32% to 65% |
| Delaware | 2 | May 2024 | Choice 1: 15.8% to 96.7% |
| District of Columbia | 5 | Aug 2026 | My Future, My Plan 1.0 and 2.0 (group certificates; decided by Washington, D.C.): 10% |
| Florida | 1 | 2018 (approx.) | Series not named in the report: 130% |
| Georgia | 3 | Jul 2025 | PCS II; Choice I: 15% (0% for PCS II limited benefit period with no or 1% inflation ... |
| Hawaii | 4 | Aug 2025 | PCS II: 112% phased lifetime benefit periods; 64.6% phased limited benefit ... |
| Idaho | 4 | Aug 2021 | PCS I, PCS II, Choice 1: PCS I: 36% phased limited, 45.1% phased lifetime; PCS II and ... |
| Illinois | 4 | Mar 2026 | Choice I: Issued before 1/1/2003: lifetime 70.8% phased (no or 1% inflation) ... |
| Indiana | 7 | Dec 2023 | Individual long-term care, forms 7000 et al, 7020 et al: Asked 226.9% (pending) |
| Iowa | 4 | Jan 2024 | Privileged Choice & Classic Select: Non-AARP: limited/greater than 1% inflation 70.2% phased; ... |
| Kansas | 6 | Nov 2021 | Privileged Choice and Classic Select: 53% |
| Kentucky | 4 | Apr 2024 | Privileged Choice & Classic Select (non-AARP): Limited: not applicable (no or 1% inflation), 52.6% phased ... |
| Louisiana | 2 | May 2024 | Privileged Choice, Classic Select (AARP and non-AARP): 20% |
| Maine | 8 | Feb 2026 | Choice I (policies with greater than 1% ...: 1.8% (lifetime benefit periods); 3.5% (limited benefit periods) |
| Maryland | 6 | May 2026 | Privileged Choice Flex (policies without ...: 15% (0% for limited benefit period with no or 1% inflation protection) |
| Massachusetts | 10 | Feb 2026 | PCS I: 119.7% (lifetime benefit periods); 97.7% (limited benefit periods) |
| Michigan | 6 | Aug 2026 | AARP Group: My Future, My Plan 1.0 and 2.0: 10% |
| Minnesota | 8 | Feb 2025 | PCS I: 24% (lifetime benefit period), 10.3% (limited) |
| Mississippi | 2 | Aug 2023 | Privileged Choice Flex: 19% to 25% |
| Missouri | 6 | Oct 2024 | PCS II: Lifetime benefit periods 0%; limited benefit periods 44% phased |
| Montana | 5 | Mar 2025 | My Future, My Plan 1.0 and My Future, My Plan 2.0: 15.1% |
| Nebraska | 8 | Sep 2024 | Privileged Choice 2 and Classic Select 2; ...: Series 2: 24.1% (lifetime), 34.9% (limited). Series 2.1: 28.7% ... |
| Nevada | 1 | Dec 2023 | PCS II and Choice 1: PCS II totals 18.50% to 169.00%; Choice 1 totals 99.00% to ... |
| New Hampshire | 5 | Aug 2024 | Privileged Choice Flex (policies with greater than 1% inflation protection): 72.8% to 128.7% |
| New Jersey | 10 | Dec 2025 | AARP Group (group certificates; decided by Washington, D.C.): 10% |
| New Mexico | 6 | Aug 2021 | Pre-PCS, PCS I, PCS II, Choice 1: Pre-PCS: 8% (limited), 119.2% (lifetime). PCS I: 68.9% (limited), ... |
| New York | 5 | Jun 2023 | PCS I, PCS II: 271.3% |
| North Carolina | 3 | Dec 2024 | PCS II (policies issued on or after 2/1/2003): 56.3% (lifetime benefit period); 25% (limited) |
| North Dakota | 3 | Nov 2025 | Privileged Choice Flex: Without Revised Married Discount: lifetime 15% (no or 1% inflation ... |
| Ohio | 6 | Jun 2025 | Privileged Choice & Classic Select (AARP and ...: Lifetime: 9.5% (no or 1% inflation), 52.1% phased (greater than 1% ... |
| Oklahoma | 15 | Jan 2026 | My Future, My Plan 1.0 and 2.0 (group certificates): 52.1% |
| Oregon | 4 | May 2024 | Privileged Choice, Classic Select (non-AARP): 0% to 15% (limited benefit period with no or 1% inflation ... |
| Pennsylvania | 9 | Jan 2026 | Privileged Choice Flex: 0% to 42.1% (lifetime benefit: 42.1% with no or 1% inflation, ... |
| Rhode Island | 6 | Mar 2026 | Privileged Choice Flex: 0% to 72.8% (lifetime benefit: 32.3%; limited benefit: 0% with no ... |
| South Carolina | 4 | May 2026 | Choice I: 25% |
| South Dakota | 8 | Oct 2023 | Privileged Choice Flex (policies with ...: 78.4% (limited), 127% (lifetime). Policies with Revised Couples ... |
| Tennessee | 4 | Jun 2024 | Choice 1: 105.00% (limited, no or 1% inflation); 133.00% (limited, greater ... |
| Texas | 5 | Feb 2025 | PCS I and PCS II: PCS I: 12.1% (lifetime benefit period), 0% (limited). PCS II with ... |
| Utah | 4 | Mar 2020 | Privileged Choice, Classic Select: 10.5% |
| Vermont | 8 | Dec 2025 | AARP Group (group certificates; decided by Washington, D.C.): 10% |
| Virginia | 6 | Jul 2026 | Group long-term care (policy form 7046): Asked 36.8% (pending) |
| Washington | 4 | May 2024 | Privileged Choice, Classic Select (AARP and non-AARP): 30% |
| West Virginia | 4 | Sep 2025 | Privileged Choice, Classic Select (non-AARP ...: 35% (lifetime, inflation >1%); 30% (limited, inflation >1%); 0% ... |
| Wisconsin | 9 | Feb 2025 | PCS I: 33.1% phased (10%, 10%, 10% compounded) |
| Wyoming | 7 | Apr 2024 | Privileged Choice and Classic Select: Limited benefit period: 0% (no or 1% inflation protection), 71.6% ... |
What stands out
- Regulators often allow far less than Genworth asks. New Jersey allowed 33.1% on a 683% request (2017). Virginia allowed an average 47.7% on a 111.6% request (2024). Indiana allowed 17.3% on a 68.8% request (2021). Maine allowed 76% on a 233% request (2025).
- Some states cap the yearly step, not the total. Maryland limits an increase to 15% in any 12 months, so its approvals arrive as yearly 15% steps. New Hampshire's November 2023 approvals run in steps of 20% and total as much as 643%.
- Massachusetts moved from a denial to large approvals. After the 161% request was denied, Genworth's notices show Massachusetts allowing 100% on Privileged Choice and Classic Select (December 2025) and 85% to 119.7% on PCS I, PCS II and Choice 1 (February 2026).
- Texas has a stop on two series. In its February 2025 notice Genworth says it agreed not to seek further increases on PCS I and PCS II policies in Texas.
- Washington, D.C. has allowed 10% at a time. Every D.C. action we found from 2021 to 2026 is 10% or just under, and D.C. sets the rate for AARP Group and My Future, My Plan certificates held in many other states.
- Your state may not be the one that decides. Group certificates follow the state where the group policy was issued. Many New Jersey certificates, for example, are decided by Alabama.
Alabama
| Date | Policy series | Increase | Source |
|---|---|---|---|
| Aug 2025 | Privileged Choice, Classic Select (non-AARP) | Allowed 0% to 37.5% | Genworth notice |
| Aug 2025 | Privileged Choice Flex | Allowed 0% to 37.5% | Genworth notice |
| Aug 2024 | Choice 1 (Alabama group trust) | Allowed 4.85% to 90.40% in total, by benefit period and inflation protection Steps Four steps | Genworth notice |
| May 2023 | Privileged Choice, Classic Select (AARP and non-AARP) | Allowed 15% | Genworth notice |
| Dec 2018 | Pre-PCS, PCS I, PCS II group-trust certificates issued in 23 other states | Allowed Pre-PCS 39% limited / 72% lifetime; PCS I and PCS II 55% limited / 72% lifetime | Genworth notice |
State rules
- Alabama regulates Genworth group-trust certificates issued to residents of other states, so an Alabama approval can raise premiums for certificate holders elsewhere. Source
Alaska
Group certificates and several older rows come from California's multi-state history.
| Date | Policy series | Increase | Source |
|---|---|---|---|
| Aug 2026 | Privileged Choice and Classic Select | Allowed Non-AARP: 15.9% lifetime, 20.8% limited; AARP: 20.5% limited (policies with greater than 1% inflation protection only) | Genworth notice |
| Jun 2025 | Privileged Choice Flex | Allowed 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%) | Genworth notice |
| Aug 2024 | Privileged Choice, Classic Select | Allowed Non-AARP: 6.3% lifetime, 8.4% limited; AARP: 9.9% limited (policies with greater than 1% inflation protection only) | Genworth notice |
| Aug 2022 | Privileged Choice, Classic Select | Allowed Non-AARP: 23.7% limited, 116% lifetime; AARP: 22.2% limited (policies with greater than 1% inflation protection) | Genworth notice |
| May 2019 | Policy forms 7042, 7044, 7042 Rev, 7044 Rev | Asked 12.20% (12.00% on the AARP 2019 Round 5 filing) Allowed 12.20% (12.00% AARP) | California DOI multi-state history (2019) |
| Jun 2017 | Privileged Choice, Classic Select | Allowed Non-AARP 35.7%; AARP 37.8% Steps AARP phased: 15% / 19.8% compounded | Genworth notice |
State rules
- 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
Arizona
| Date | Policy series | Increase | Source |
|---|---|---|---|
| Sep 2020 | Privileged Choice, Classic Select | Allowed 35.5% | Genworth notice |
| Sep 2018 | Policy forms 7030, 7031; 7035 | Allowed, less than asked Asked 55 - 72% (55% limited benefits, 72% lifetime benefits) Allowed 4-38% (7030, 7031); 7-12% (7035) | California DOI multi-state history (2019) |
| Aug 2018 | Policy forms 7042, 7044, 7042 Rev, 7044 Rev (rate stability forms) | Allowed, less than asked Asked 46.20% and 50.30% (two filings) Allowed 17.00% | California DOI multi-state history (2019) |
| Feb 2018 | Policy forms 7042, 7044, 7042 Rev, 7044 Rev (loss ratio forms) | Allowed, less than asked Asked 51.50% Allowed 35.00% | California DOI multi-state history (2019) |
| Jun 2017 | PCS I (non-AARP, non-Partnership) | Allowed, less than asked Allowed 6.0% limited benefit periods; 58% lifetime benefit periods | Genworth notice |
Arkansas
| Date | Policy series | Increase | Source |
|---|---|---|---|
| May 2025 | Choice I | Allowed Lifetime: 13% (no or 1% inflation), 21% (greater than 1% inflation). Limited: 19% (no or 1% inflation), 14% (greater than 1% inflation) | Genworth notice |
| Feb 2025 | Privileged Choice & Classic Select | Allowed Non-AARP, greater than 1% inflation: lifetime 25%, limited 15%. AARP, greater than 1% inflation: lifetime 0%, limited 25%. No or 1% inflation: 0% | Genworth notice |
| Feb 2025 | Privileged Choice Flex | Allowed 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% | Genworth notice |
| May 2024 | Choice 1 | Allowed 15% for all four benefit-period and inflation groups | Genworth notice |
| Feb 2024 | Privileged Choice & Classic Select (AARP and non-AARP); Privileged Choice Flex | Allowed 15%, except 0% for limited benefit periods with no or 1% inflation | Genworth notice |
| Jan 2023 | Privileged Choice & Classic Select (AARP and non-AARP); Privileged Choice Flex | Allowed 25% for policies with greater than 1% inflation protection | Genworth notice |
| Jan 2023 | PCS I and PCS II | Allowed PCS I: 1.8% (limited), 12.6% (lifetime). PCS II: 25% | Genworth notice |
California
| Date | Policy series | Increase | Source |
|---|---|---|---|
| Jul 2026 | Choice I (California Partnership, policy form 7037C) | Allowed 40% phased Steps 13.3%, 13.3%, 13.4% simple | Genworth notice |
| Aug 2024 | PCS II, Choice 1 (non-Partnership, issued before 7/1/2002) | Allowed 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) Steps Phased amounts in two steps: 26.5%, 26.5% (60%); 19.7%, 19.7% (43.3%); 19.8%, 19.8% (43.5%), compounded | Genworth notice |
| Aug 2024 | PCS II, Choice 1, Choice 1 CADE, Choice 1 Unbundled, Choice 1 Reprice (non-Partnership, issued on or after 7/1/2002) | Allowed 41.4% to 96.3% phased Steps 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) | Genworth notice |
| Mar 2023 | Pre-PCS (non-Partnership) | Allowed 0% limited benefit period; 63.1% phased lifetime benefit period Steps 17.7%, 17.7%, 17.7% compounded | Genworth notice |
| Mar 2022 | PCS II, Choice 1 (non-Partnership, issued before 7/1/2002) | Allowed PCS II: 36% limited, 101.6% phased lifetime; Choice 1: 44% phased limited, 131% phased lifetime Steps 101.6% as 42%, 42%; 44% as 20%, 20%; 131% as 52%, 52% (compounded) | Genworth notice |
| Mar 2022 | PCS II, Choice 1, Unbundled, Reprice, California Discount Enhancement (CADE) (non-Partnership, issued on or after 7/1/2002) | Allowed 0% limited benefit period; 51% lifetime benefit period | Genworth notice |
| Aug 2021 | California Partnership: Choice 1, Choice 1 Reprice AARP, Choice 1 Unbundled AARP | Allowed 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) Steps Choice 1 over five years: 13.3%, 13.3%, 13.3%, 13.3%, 4.2% simple; the AARP series over six years | Genworth notice |
| Feb 2019 | Non-Partnership: Pre-PCS, PCS I, PCS II, Choice 1, CADE, CA-Reprice, Unbundled | Allowed 80% (PCS I, PCS II, Choice 1); 45% (Pre-PCS, CADE, CA-Reprice, Unbundled) | Genworth notice |
State rules
- 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
- The California Department of Insurance publishes a rate increase history for each long-term care insurer, covering California and other states. Source
Look up filings yourself: California regulator's rate filing page
Colorado
| Date | Policy series | Increase | Source |
|---|---|---|---|
| Apr 2025 | PCS I and PCS II | Allowed 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%) | Genworth notice |
| May 2024 | Privileged Choice Flex (non-Revised Married Discount policies) | Allowed 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%) Steps 52.9%: 15.2% x3; 26.3%: 12.4% x2; 82.5%: 22.2% x3, all compounded | Genworth notice |
| May 2023 | Privileged Choice and Classic Select | Allowed 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%) Steps 57.7%: 16.4% x3; 33.9%: 15.7% x2; 126.4%: 31.3% x3, all compounded | Genworth notice |
| May 2023 | Choice 1 | Allowed 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%) Steps 39.5%: 18.1% x2; 66.4%: 18.5% x3; 38.1%: 17.5% x2, all compounded | Genworth notice |
| Jul 2021 | Privileged Choice Flex | Allowed 31.3% Steps 14.6%, 14.6% compounded | Genworth notice |
Connecticut
| Date | Policy series | Increase | Source |
|---|---|---|---|
| 2026 | Individual policies sold in Connecticut from 2002 to 2005 (Partnership and non-Partnership) | Allowed, less than asked Asked 58.5% to 98.2% Allowed 32% to 65% Decided July 2026. | Connecticut Partnership update |
| 2026 | Individual policies sold in Connecticut from 2004 to 2012 (Partnership and non-Partnership) | Allowed, less than asked Asked 20% to 212% Allowed 27.1% to 42.3% Decided July 2026. | Connecticut Partnership update |
| May 2024 | Privileged Choice Flex (non-Revised Married Discount policies) | Allowed 33.1% to 104.6% Steps 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 | Genworth notice |
| 2024 | Flex I policies sold to individuals in Connecticut from 2012 to 2014 (Partnership and non-Partnership) | Allowed, less than asked Asked 76.4% average (46.1% to 139.0%) Allowed 50% average (0%, 30%, 50% and 90% by benefit period and inflation type) | Connecticut Partnership update |
| Dec 2023 | PCS II | Allowed 79% to 185% Steps 79%: 21.41% x3 compounded; 98%: 25.57% x3 compounded; 185%: 41.78% x3 compounded | Genworth notice |
| Feb 2023 | Pre-PCS, PCS I (lifetime benefit periods) | Allowed 32.2% (Pre-PCS); 35.3% (PCS I) Steps PCS I: 10.6%, 10.6%, 10.6% compounded | Genworth notice |
| 2023 | Individual policies sold in Connecticut from 2004 to 2012 (Partnership and non-Partnership) | Allowed, less than asked Asked 119% average Allowed 25% - 60% | Connecticut Partnership update |
| 2023 | Individual policies sold in Connecticut from 2002 to 2005 (Partnership and non-Partnership) | Allowed, less than asked Asked 136% Allowed 37% - 45% | Connecticut Partnership update |
| 2022 | Individual policies (series not named) | Allowed, less than asked Allowed 97% average (79% to 173%) More than 2,000 Connecticut policyholders. Slightly less than Genworth asked for. | CT Mirror |
Delaware
| Date | Policy series | Increase | Source |
|---|---|---|---|
| May 2024 | Choice 1 | Allowed 15.8% to 96.7% Steps 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 | Genworth notice |
| Dec 2018 | Pre-PCS, PCS I, PCS II group-trust certificates (group policy issued in Alabama) | Allowed Pre-PCS 39% limited / 72% lifetime; PCS I and PCS II 55% limited / 72% lifetime | Genworth notice |
District of Columbia
Washington, D.C. also decides increases for AARP Group and My Future, My Plan certificates held in many other states.
| Date | Policy series | Increase | Source |
|---|---|---|---|
| Aug 2026 | My Future, My Plan 1.0 and 2.0 (group certificates; decided by Washington, D.C.) | Allowed 10% | Genworth notice |
| Aug 2024 | My Future, My Plan 1.0 and 2.0 | Allowed 10% | Genworth notice |
| Dec 2023 | AARP Group | Allowed 10% | Genworth notice |
| Apr 2023 | Privileged Choice, Classic Select; Privileged Choice Flex; Choice 1; My Future, My Plan 1.0 and 2.0 | Allowed 10% (9.7% for one Privileged Choice/Classic Select lifetime cell) | Genworth notice |
| Apr 2021 | Privileged Choice, Classic Select (AARP and non-AARP) | Allowed 10% | Genworth notice |
Florida
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.
| Date | Policy series | Increase | Source |
|---|---|---|---|
| 2018 (approx.) | Series not named in the report | Allowed, less than asked Asked 310% Allowed 130% Florida's regulator told WFTV the approval came with a seven-year lock against more increases. | WFTV |
Georgia
| Date | Policy series | Increase | Source |
|---|---|---|---|
| Jul 2025 | PCS II; Choice I | Allowed 15% (0% for PCS II limited benefit period with no or 1% inflation protection) | Genworth notice |
| Jan 2024 | Privileged Choice, Classic Select (AARP and non-AARP) | Allowed 15% (0% for limited benefit period with no or 1% inflation protection) | Genworth notice |
| Dec 2019 | Privileged Choice, Classic Select (AARP and non-AARP) | Allowed 12% | Genworth notice |
Hawaii
| Date | Policy series | Increase | Source |
|---|---|---|---|
| Aug 2025 | PCS II | Allowed 112% phased lifetime benefit periods; 64.6% phased limited benefit periods Steps 45.6%, 45.6% compounded (lifetime); 28.3%, 28.3% compounded (limited) | Genworth notice |
| Jan 2024 | Pre-PCS, PCS I | Allowed Pre-PCS: 38.9% phased limited, 114.1% phased lifetime; PCS I: 71.72% phased limited, 130.9% phased lifetime Steps Pre-PCS: 25%, 11.1% / 25%, 25%, 25%, 9.6%; PCS I: 25%, 25%, 9.9% / 25%, 25%, 25%, 18.2% (compounded) | Genworth notice |
| Aug 2017 | Policy forms 7035 | Allowed, less than asked Asked 67 - 100% (67% limited benefits, 100% lifetime benefits) Allowed 68.50% | California DOI multi-state history (2019) |
| Aug 2017 | Policy forms 7042, 7044, 7042 Rev, 7044 Rev | Allowed, less than asked Asked 12.80% Allowed 8.90% | California DOI multi-state history (2019) |
Idaho
| Date | Policy series | Increase | Source |
|---|---|---|---|
| Aug 2021 | PCS I, PCS II, Choice 1 | Allowed PCS I: 36% phased limited, 45.1% phased lifetime; PCS II and Choice 1: 29.9% phased Steps 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) | Genworth notice |
| Jul 2017 | Policy forms 7040 (group) | Allowed, less than asked Asked 100.00% Allowed 35.00% | California DOI multi-state history (2019) |
| Feb 2017 | Policy forms 7042, 7044, 7042 Rev, 7044 Rev | Allowed, less than asked Asked 53.30% (AARP 2017 Round 2 filing) Allowed 15.00% | California DOI multi-state history (2019) |
| May 2016 | Policy forms 50023, 7021; 7000, 7020; 7031, 7032; 7035 | Allowed, less than asked Asked 43% to 111% depending on form and benefit period Allowed 15.00% | California DOI multi-state history (2019) |
Illinois
| Date | Policy series | Increase | Source |
|---|---|---|---|
| Mar 2026 | Choice I | Allowed 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) Steps 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) | Genworth notice |
| Mar 2026 | PCS I (policies issued before 1/1/2003) | Allowed 11.2% (lifetime benefit periods); 0% (limited benefit periods) | Genworth notice |
| Oct 2024 | PCS II (policies issued before 1/1/2003) | Allowed 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) Steps 85.8% as (36.3%, 36.3% compounded); 74.6% as (32.1%, 32.1% compounded) | Genworth notice |
| Jul 2017 | Privileged Choice and Classic Select | Allowed 51.5% | Genworth notice |
Indiana
| Date | Policy series | Increase | Source |
|---|---|---|---|
| Dec 2023 | Individual long-term care, forms 7000 et al, 7020 et al | Pending Asked 226.9% No decision when we last checked. 6,138 policyholders | Indiana Rate Watch |
| Dec 2023 | Individual long-term care, forms 7037B et al | Pending Asked 225.2% No decision when we last checked. 2,985 policyholders | Indiana Rate Watch |
| Feb 2023 | PCS I, PCS II, Choice 1, Privileged Choice and Classic Select (Partnership, Non-Partnership and AARP) | Allowed Three-phase increase; the notice gives no percentages Phase 2 was paused on November 8, 2022 in coordination with the Indiana regulator and resumed on February 27, 2023. | Genworth notice |
| Sep 2021 | Individual long-term care, forms 50024A, 7045IN Rev, 7045IN, 7043IN Rev, 7043IN and others | Allowed, less than asked Asked 68.8% Allowed 17.3% 14,652 policyholders | Indiana Rate Watch |
| Jul 2021 | Individual long-term care, form 7052 INP | Allowed, less than asked Asked 51.6% Allowed 8% 2,626 policyholders | Indiana Rate Watch |
| Sep 2019 | Individual long-term care, forms 50000 et al, 7021 et al, 6484 et al, 62100 et al | Denied Asked 140.1% Filed December 2017; closed as disapproved in September 2019. | Indiana Rate Watch |
| Jul 2016 | Individual long-term care, forms 50024A, 7044 Rev et al, 7042 Rev et al and others | Allowed, less than asked Asked 87.1% Allowed 13.8% 15,088 policyholders | Indiana Rate Watch |
Look up filings yourself: Indiana regulator's rate filing page
Iowa
| Date | Policy series | Increase | Source |
|---|---|---|---|
| Jan 2024 | Privileged Choice & Classic Select | Allowed 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 Steps 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) | Genworth notice |
| Jan 2024 | Privileged Choice Flex | Allowed 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% Steps 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) | Genworth notice |
| Jul 2019 | Privileged Choice and Classic Select | Allowed Non-AARP 27.3% phased; AARP 30% phased Steps Non-AARP: 17.9%, 8.0% cumulative. AARP: 17.9%, 10.26% cumulative | Genworth notice |
| May 2019 | Pre-PCS, PCS I, PCS II, Choice 1 | Allowed 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) Steps 39% as 17.9%, 17.9% cumulative; 63.89% as 17.9%, 17.9%, 17.9% cumulative | Genworth notice |
State rules
- 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
Kansas
| Date | Policy series | Increase | Source |
|---|---|---|---|
| Nov 2021 | Privileged Choice and Classic Select | Allowed 53% | Genworth notice |
| Nov 2021 | Privileged Choice Flex | Allowed 13.4% | Genworth notice |
| Nov 2021 | My Future, My Plan 1.0, 2.0 and AARP Group (group certificates) | Allowed 26.1% | Genworth notice |
| Jan 2020 | Privileged Choice and Classic Select | Allowed 37.2% | Agent notice (archived) |
| Dec 2019 | Pre-PCS, PCS I, PCS II, Choice 1 | Allowed Pre-PCS: 39% (limited), 117% (lifetime). PCS I, PCS II, Choice 1: 55% (limited), 72% (lifetime) | Genworth notice |
| Aug 2017 | Privileged Choice and Classic Select | Allowed 40% | Agent notice (archived) |
Kentucky
| Date | Policy series | Increase | Source |
|---|---|---|---|
| Apr 2024 | Privileged Choice & Classic Select (non-AARP) | Allowed 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) Steps 52.6% as (30%, 17.4% compounded); 41.2% as (30%, 8.6% compounded); 52.2% as (30%, 17.1% compounded) | Genworth notice |
| Jan 2024 | Privileged Choice Flex | Allowed 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) Steps 52% as (30%, 16.9% compounded); 41.1% as (30%, 8.5% compounded); 51.7% as (30%, 16.7% compounded) | Genworth notice |
| Jan 2024 | PCS II | Allowed Limited: 33.8% phased (no or 1% inflation), 69% phased (greater than 1% inflation). Lifetime: 69% phased (both inflation groups) Steps 33.8% as (30%, 2.9% compounded); 69% as (30%, 30% compounded) | Genworth notice |
| Jan 2021 | Privileged Choice and Classic Select | Allowed 20% | Genworth notice |
State rules
- Every long-term care rate increase in Kentucky needs prior approval from the Commissioner. Source
- 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
- Kentucky's minimum loss ratio for long-term care policies is 60%. Source
Look up filings yourself: Kentucky regulator's rate filing page
Louisiana
| Date | Policy series | Increase | Source |
|---|---|---|---|
| May 2024 | Privileged Choice, Classic Select (AARP and non-AARP) | Allowed 20% | Genworth notice |
| Apr 2023 | Privileged Choice, Classic Select (AARP and non-AARP) | Allowed 19% to 24% | Genworth notice |
Maine
| Date | Policy series | Increase | Source |
|---|---|---|---|
| Feb 2026 | Choice I (policies with greater than 1% inflation protection) | Allowed 1.8% (lifetime benefit periods); 3.5% (limited benefit periods) | Genworth notice |
| Aug 2025 | PCS II (policies with greater than 1% inflation protection) | Allowed 30.8% (lifetime benefit periods); 34.6% (limited benefit periods) Steps 30.8%: 14.35%, 14.35% compounded; 34.6%: 16%, 16% compounded | Genworth notice |
| Jul 2025 | Privileged Choice and Classic Select issued prior to 9/30/2004 (policies with greater than 1% inflation protection) | Allowed 34.8% (lifetime benefit periods); 3.1% (limited benefit periods) Steps 34.8%: 16.1%, 16.1% compounded | Genworth notice |
| Jul 2025 | Privileged Choice and Classic Select issued on or after 10/1/2004 (matched to Genworth's notice; the regulator does not name the series) | Allowed, less than asked Asked 233%; 124% Allowed 76%; 50% Steps 76% spread over three years at 20.8% each year; 50% spread over two years at 22.5% 1,274 policyholders | Maine Bureau of Insurance |
| Jul 2025 | Privileged Choice Flex (matched to Genworth's notice; the regulator does not name the series) | Allowed, less than asked Asked 178% (lifetime, high benefit increase option); 111% (limited); 9.9% (lifetime, low) Allowed 99.1%; 54.3%; 1.0%; 84.3% for the couple-discount row Steps 25.8% for 3 years; 24.2% for 2 years; 22.6% for 3 years 391 policyholders | Maine Bureau of Insurance |
| Jul 2025 | Series not named by the regulator | Allowed, less than asked Asked 120% Allowed 45.4% Steps 20.6% for 2 years 349 policyholders | Maine Bureau of Insurance |
| Jul 2025 | Series not named by the regulator | Asked 25% (lifetime); 21.9% (limited) Allowed 25%; 21.9% 130 policyholders | Maine Bureau of Insurance |
| Jun 2022 | PCS I, PCS II, Choice 1 | Allowed 0% to 63.1% Steps PCS II lifetime 35%: 16.2%, 16.2% compounded; Choice 1 lifetime 63.1%: 27.7%, 27.7% compounded | Genworth notice |
State rules
- In its 2025 Genworth decision the Bureau required any approved increase above 25% to be spread over two or three years. Source
- Maine LTC increases need the Superintendent's prior approval and apply to a whole class; policyholders get at least 90 days' notice. Source
- 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
Maryland
| Date | Policy series | Increase | Source |
|---|---|---|---|
| May 2026 | Privileged Choice Flex (policies without Revised Married Discount) | Allowed 15% (0% for limited benefit period with no or 1% inflation protection) | Genworth notice |
| 2025 | Privileged Choice Flex ('Flex 1', form 7052MD), policies not subject to revised couples discount | Pending Asked 180% (lifetime, high inflation option); 129% (lifetime, low); 105% (limited, high) No decision when we last checked. Steps 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% Heard by the Maryland Insurance Administration on December 16, 2025. | Maryland Insurance Administration |
| Dec 2024 | Group long-term care, form 7046MD | Pending Asked 51.5% No decision when we last checked. Steps Company proposes 15% for 3 years and 7.6% in the last year | Maryland Insurance Administration |
| Aug 2024 | PCS I | Allowed 52.1% (lifetime benefit period); 34.8% (limited) Steps 15%, 15%, 15% compounded (lifetime); 15%, 15%, 1.9% compounded (limited) | Genworth notice |
| Oct 2023 | My Future, My Plan 1.0; Privileged Choice Flex (inflation protection greater than 1%) | Allowed My Future, My Plan 1.0: 52.1%; Privileged Choice Flex: 32.3% Steps MFMP: 15%, 15%, 15% compounded; Flex: 15%, 15% compounded | Genworth notice |
| Apr 2021 | Privileged Choice, Classic Select; Privileged Choice Flex; Choice 1 | Allowed Privileged Choice / Classic Select 32.25%; Privileged Choice Flex 26.56%; Choice 1 52.1% Steps PC/CS: 15%, 15% compounded; Flex: 12.5%, 12.5% compounded; Choice 1: 15%, 15%, 15% compounded | Genworth notice |
State rules
- 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
- The Maryland Insurance Administration holds public hearings on long-term care rate increase requests and posts each company's actuarial memorandum beforehand. Source
Massachusetts
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.
| Date | Policy series | Increase | Source |
|---|---|---|---|
| Feb 2026 | PCS I | Allowed 119.7% (lifetime benefit periods); 97.7% (limited benefit periods) Steps 119.7%: 30%, 30%, 30% compounded; 97.7%: 30%, 30%, 17% compounded | Genworth notice |
| Feb 2026 | PCS II | Allowed 86.3% to 87.7% Steps Two steps: 36.5%, 36.5% compounded (86.3%) or 37%, 37% compounded (87.7%) | Genworth notice |
| Feb 2026 | Choice I | Allowed 85% (lifetime benefit periods); 86.3% (limited benefit periods) Steps 85%: 36%, 36% compounded; 86.3%: 36.5%, 36.5% compounded | Genworth notice |
| Dec 2025 | AARP Group (group certificates; decided by Washington, D.C.) | Allowed 10% | Genworth notice |
| Dec 2025 | Privileged Choice and Classic Select (non-AARP and AARP) | Allowed 100% (0% for limited benefit periods with no or 1% inflation protection) Steps 26%, 26%, 26% compounded | Genworth notice |
| Aug 2025 | My Future, My Plan 1.0 and 2.0 (group certificates; decided by Washington, D.C.) | Allowed 10% | Genworth notice |
| Aug 2024 | My Future, My Plan 1.0 and 2.0 | Allowed 10% | Genworth notice |
| May 2024 | Privileged Choice Flex | Allowed 10% to 50% (30% for policies with Revised Married Discount) Steps 50%: 25%, 25% compounded; 30%: 15, 15% compounded | Genworth notice |
| Feb 2023 | Pre-PCS, PCS I, Choice 1 | Allowed 40% Steps 13.3%, 13.3%, 13.4% simple | Genworth notice |
| Reported Jan 2025 | Individual policies (series not named) | Denied Asked 161% The regulator called the request "unjust, unfair and inequitable." Genworth sued the department. | CT Mirror |
State rules
- 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
- Massachusetts requires at least 90 days' notice before a long-term care rate increase takes effect. Source
- 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
Michigan
| Date | Policy series | Increase | Source |
|---|---|---|---|
| Aug 2026 | AARP Group: My Future, My Plan 1.0 and 2.0 | Allowed 10% | Genworth notice |
| Aug 2024 | AARP Group: My Future, My Plan 1.0 and 2.0 | Allowed 10% | Genworth notice |
| Oct 2023 | Privileged Choice & Classic Select (AARP policies only) | Allowed Greater than 1% inflation: limited 53.4% phased; lifetime 139.94% phased Steps 53.4% as 23.85%, 23.85% compounded; 139.94% as 54.9%, 54.9% compounded | Genworth notice |
| Sep 2023 | Privileged Choice Flex | Allowed Greater than 1% inflation: limited 78%; lifetime 126%. With Revised Couples Discount: limited/greater than 1% inflation 105%; lifetime not applicable | Genworth notice |
| Oct 2021 | AARP Group | Allowed 10% | Genworth notice |
| Jul 2019 | Classic Select (non-AARP) | Allowed 20.3% | Genworth notice |
Minnesota
| Date | Policy series | Increase | Source |
|---|---|---|---|
| Feb 2025 | PCS I | Allowed 24% (lifetime benefit period), 10.3% (limited) | Genworth notice |
| Nov 2024 | Privileged Choice and Classic Select | Allowed 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%) Steps 95.3%: 25%, 25%, 25% compounded; 44%: 20%, 20% compounded | Genworth notice |
| Oct 2024 | Choice 1 | Allowed 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%) Steps Four annual steps: 110.8% = 20.5% x4; 129.2% = 23.9%, 23.9%, 23.9%, 20.5%; 95.2% = 18.2% x4, compounded | Genworth notice |
| Jun 2023 | Privileged Choice Flex (policies with greater than 1% inflation protection) | Allowed 81.6% (limited benefit period), 100% (lifetime). No or 1% inflation protection: not applicable Steps 81.6%: 22%, 22%, 22% compounded; 100%: 26%, 26%, 26% compounded | Genworth notice |
| Apr 2022 | Privileged Choice and Classic Select | Allowed 52% (non-AARP); 71.1% (AARP) Steps 52%: 23.3%, 23.3% compounded; 71.1%: 30.8%, 30.8% compounded | Genworth notice |
| Mar 2021 | Privileged Choice Flex | Allowed 50.06% Steps 22.5%, 22.5% compounded | Genworth notice |
| Mar 2020 | Privileged Choice and Classic Select | Allowed Forms 7044/7042: 34.56%. Forms 7044Rev/7042Rev: 49.33%. AARP Privileged Choice: 27.08% Steps 34.56%: 16%, 16%; 49.33%: 22.2%, 22.2%; 27.08%: 15%, 10.5%, cumulative | Genworth notice |
| Oct 2016 | Privileged Choice 2 / Classic Select 2; Privileged Choice 2.1 / Classic Select 2.1 | Allowed 39% (series 2); 26.5% (series 2.1) Steps 39%: 15% / 15% / 5% over 3 years; 26.5%: 15% / 10% over 2 years, compound | Genworth notice |
Mississippi
| Date | Policy series | Increase | Source |
|---|---|---|---|
| Aug 2023 | Privileged Choice Flex | Allowed 19% to 25% | Genworth notice |
| May 2019 | Privileged Choice, Classic Select | Allowed 16% (non-AARP); 17.2% (AARP) | Genworth notice |
Missouri
| Date | Policy series | Increase | Source |
|---|---|---|---|
| Oct 2024 | PCS II | Allowed Lifetime benefit periods 0%; limited benefit periods 44% phased Steps 44% as (20%, 20% compounded) | Genworth notice |
| Oct 2024 | Privileged Choice & Classic Select | Allowed 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 Steps 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) | Genworth notice |
| Aug 2024 | Privileged Choice Flex | Allowed 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 Steps 124.8% as (31%, 31%, 31% compounded); 77.2% as (21%, 21%, 21% compounded); 104.8% as (27%, 27%, 27% compounded) | Genworth notice |
| Jan 2024 | Choice 1 | Allowed 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) Steps 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) | Genworth notice |
| Jun 2019 | PCS II (non-AARP, non-partnership) | Allowed 55% (limited benefit periods); 72% (lifetime benefit periods) | Genworth notice |
| May 2019 | PCS I and Choice 1 (non-AARP, non-partnership) | Allowed 55% (limited benefit periods); 72% (lifetime benefit periods) | Genworth notice |
Montana
| Date | Policy series | Increase | Source |
|---|---|---|---|
| Mar 2025 | My Future, My Plan 1.0 and My Future, My Plan 2.0 | Allowed 15.1% | Genworth notice |
| Jan 2025 | Privileged Choice, Classic Select (non-AARP) | Allowed Lifetime benefit periods: 3.2% (no or 1% inflation protection) or 46% (greater than 1%); limited benefit periods: 0% | Genworth notice |
| May 2019 | Policy forms 7000, 7020; 7030, 7031, 7032; 7035 | Allowed, less than asked Asked 74-85% (7000, 7020); 53-62% (7030, 7031, 7032); 37-84% (7035) Allowed 0-15.5% (7000, 7020); 0-19.9% (7030, 7031, 7032); 0-20% (7035) | California DOI multi-state history (2019) |
| Mar 2018 | Policy forms 7000, 7020; 7030, 7031; 7035; 7042, 7044 (and Rev) | Allowed, less than asked Asked 81 - 93% (7000, 7020); 72 - 82% (7030, 7031); 55 - 107% (7035); 56.40% (7042, 7044) Allowed 4.40% (7000, 7020); 12.40% (7030, 7031); 12.90% (7035); 7.30% (7042, 7044) | California DOI multi-state history (2019) |
| Jan 2017 | Policy forms 7000, 7020; 7030, 7031, 7032; 7035; 7042, 7044 (and Rev); 7040 | Allowed, less than asked Asked 86 - 79% (7000, 7020); 132 - 122% (7030-7032); 71 - 113% (7035); 47.90% (7042, 7044); 100.00% (7040) Allowed 6.10% (7000, 7020); 12.50% (7030-7032); 10.60% (7035); 5.70% (7042, 7044); 32.50% (7040) | California DOI multi-state history (2019) |
Nebraska
| Date | Policy series | Increase | Source |
|---|---|---|---|
| Sep 2024 | Privileged Choice 2 and Classic Select 2; Privileged Choice 2.1 and Classic Select 2.1 (policies with greater than 1% inflation protection) | Allowed Series 2: 24.1% (lifetime), 34.9% (limited). Series 2.1: 28.7% (lifetime), 38.5% (limited). No or 1% inflation protection: not applicable | Genworth notice |
| Sep 2024 | Privileged Choice Flex (policies without Revised Married Discount, greater than 1% inflation protection) | Allowed 39.3% (lifetime), 49.2% (limited) | Genworth notice |
| Sep 2024 | Choice 1 | Allowed Greater than 1% inflation protection: 18% (lifetime), 21.6% (limited). No or 1% inflation protection: 0% | Genworth notice |
| Aug 2023 | Privileged Choice and Classic Select (policies with greater than 1% inflation protection) | Allowed Privileged Choice: 22.8% (limited), 32.5% (lifetime). Classic Select: 20.8% (limited), 15.4% (lifetime) | Genworth notice |
| Apr 2022 | Choice 1 | Allowed 93.1% (limited), 61.3% (lifetime) Steps 93.1%: 50%, 28.7% compounded; 61.3%: 50%, 7.5% compounded | Genworth notice |
| Jun 2021 | Privileged Choice Flex | Allowed 68.2% Steps 50%, 12.1% compounded | Genworth notice |
| Aug 2020 | Privileged Choice and Classic Select | Allowed Forms 7044/7042: 67.7% (limited), 135.8% (lifetime). Forms 7044Rev/7042Rev and AARP Privileged Choice: 42.4% (limited), 91.1% (lifetime) Steps Three annual steps: 18.8%, 33.1%, 12.5% or 24.1% each, cumulative | Genworth notice |
| Apr 2019 | PCS I, PCS II, Choice 1 | Allowed PCS I: 40% (limited), 72.95% (lifetime). PCS II: 34% (limited), 66.2% (lifetime). Choice 1: 106.1% (limited), 164.6% (lifetime) Steps 72.95%: 50%, 15.3%; 66.2%: 50%, 10.8%; 106.1%: 50%, 37.4%; 164.6%: 50%, 50%, 17.6%, cumulative | Genworth notice |
Nevada
| Date | Policy series | Increase | Source |
|---|---|---|---|
| Dec 2023 | PCS II and Choice 1 | Allowed PCS II totals 18.50% to 169.00%; Choice 1 totals 99.00% to 210.00%, by benefit period and inflation protection Steps 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) | Genworth notice |
New Hampshire
| Date | Policy series | Increase | Source |
|---|---|---|---|
| Aug 2024 | Privileged Choice Flex (policies with greater than 1% inflation protection) | Allowed 72.8% to 128.7% Steps 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 | Genworth notice |
| Nov 2023 | PCS I | Allowed 173% (limited benefit periods); 404% (lifetime benefit periods) Steps 6 phases for limited (five of 20%, then 9.7%); 9 phases for lifetime (eight of 20%, then 17.2%) | Genworth notice |
| Nov 2023 | PCS II | Allowed 160.78% to 643.01% Steps Up to 11 phases of 20% | Genworth notice |
| Nov 2023 | Choice 1 | Allowed 198.60% to 643.01% Steps Up to 11 phases of 20% | Genworth notice |
| Nov 2023 | Privileged Choice and Classic Select | Allowed 198.6% to 519.2% Steps Up to 10 phases of 20% | Genworth notice |
New Jersey
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.
| Date | Policy series | Increase | Source |
|---|---|---|---|
| Dec 2025 | AARP Group (group certificates; decided by Washington, D.C.) | Allowed 10% | Genworth notice |
| Aug 2025 | My Future, My Plan 1.0 and 2.0 (group certificates; decided by Washington, D.C.) | Allowed 10% | Genworth notice |
| Dec 2024 | AARP Group (group certificates; decided by Washington, D.C.) | Allowed 10% | Genworth notice |
| Aug 2024 | Choice 1 (New Jersey certificates under the Alabama Group Trust) | Allowed 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%) Steps 4 phases: e.g. 15.00%, 15.00%, 20.00%, 20.00% for the 90.40% cell | Genworth notice |
| Aug 2024 | PCS II (New Jersey and Massachusetts certificates under the Alabama Group Trust) | Allowed 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%) Steps 4 phases: e.g. 10.00%, 10.00%, 15.75%, 15.75% for the 62.12% cell | Genworth notice |
| Aug 2024 | My Future, My Plan 1.0 and 2.0 (group certificates; decided by Washington, D.C.) | Allowed 10% | Genworth notice |
| May 2023 | Privileged Choice and Classic Select (New Jersey certificates under the Alabama Group Trust) | Allowed 15% | Genworth notice |
| May 2023 | Choice 1 (New Jersey certificates under the Alabama Group Trust) | Allowed 3.8% to 15% | Genworth notice |
| Aug 2022 | Privileged Choice Flex (New Jersey-issued individual policies) | Allowed 33.1% Steps 10%, 10%, 10% compounded | Genworth notice |
| Feb 2017 | Genworth long-term care policies in New Jersey (series not named) | Allowed, less than asked Asked 683% Allowed 33.1% Steps 10.0% per year for three years Genworth applied in September 2015. In 2019 the regulator fined Genworth $10,000 because its letters left out the 683% it had asked for. | New Jersey DOBI order |
State rules
- New Jersey certificates issued under Genworth's Alabama group trust have their increases decided by Alabama, not by New Jersey's regulator. Source
- 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
- In 2017 DOBI directed Genworth to tell New Jersey policyholders the size of the increase it had requested alongside the amount allowed. Source
New Mexico
| Date | Policy series | Increase | Source |
|---|---|---|---|
| Aug 2021 | Pre-PCS, PCS I, PCS II, Choice 1 | Allowed 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) Steps 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 | Genworth notice |
| Aug 2021 | Privileged Choice Flex | Allowed 46.6% Steps 21.1%, 21.1% compounded | Genworth notice |
| Jul 2020 | Privileged Choice and Classic Select | Allowed 8.25% (policies issued before January 1, 2004); 6% (issued on or after January 1, 2004) | Genworth notice |
| Feb 2020 | Pre-PCS, PCS I, PCS II, Choice 1 | Allowed 15% (limited and lifetime benefit periods) | Genworth notice |
| Jul 2019 | Privileged Choice and Classic Select | Allowed 6% | Genworth notice |
| Jan 2019 | Pre-PCS, PCS I, PCS II, Choice 1 | Allowed 15% (limited and lifetime benefit periods) | Agent notice (archived) |
New York
New York policies are written by Genworth Life Insurance Company of New York. We found no New York notice after June 2023.
| Date | Policy series | Increase | Source |
|---|---|---|---|
| Jun 2023 | PCS I, PCS II | Allowed 271.3% Steps 30%, 30%, 30%, 30%, 30% compounded | Genworth notice |
| Jun 2023 | Choice 1 | Allowed 143.7% Steps 19.5%, 19.5%, 19.5%, 19.5 compounded | Genworth notice |
| Jun 2023 | My Future, My Plan 1.0 and 2.0 | Allowed 79.4% (1.0); 66.4% (2.0) Steps 1.0: 21.5%, 21.5%, 21.5% compounded; 2.0: 18.5%, 18.5%, 18.5% compounded | Genworth notice |
| Sep 2021 | Privileged Choice and Classic Select (Partnership and non-Partnership) | Allowed 69% Steps 30%, 30% compounded | Genworth notice |
| Sep 2021 | Privileged Choice Flex 1 and Flex 2 (Partnership and non-Partnership) | Allowed 69% Steps 30%, 30% compounded | Genworth notice |
State rules
- 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
North Carolina
| Date | Policy series | Increase | Source |
|---|---|---|---|
| Dec 2024 | PCS II (policies issued on or after 2/1/2003) | Allowed 56.3% (lifetime benefit period); 25% (limited) Steps Lifetime: 25%, 25% compounded | Genworth notice |
| Dec 2023 | Privileged Choice Flex | Allowed 5.0% to 56.3% Steps Limited >1% inflation: 40% (25%, 12% compounded); lifetime >1% inflation: 56.3% (25%, 25% compounded) | Genworth notice |
| Apr 2019 | PCS II; Choice 1 | Allowed PCS II 95.31% cumulative; Choice 1 39.92% (limited) / 75% (lifetime) cumulative Steps PCS II: 25%, 25%, 25%; Choice 1: 25%, 5.8%, 5.8% (limited) and 25%, 25%, 12% (lifetime) | Genworth notice |
North Dakota
| Date | Policy series | Increase | Source |
|---|---|---|---|
| Nov 2025 | Privileged Choice Flex | Allowed 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 Steps 65.6%: 28.7%, 28.7% compounded; 44.2%: 20.1%, 20.1% compounded | Genworth notice |
| Jan 2021 | Privileged Choice Flex | Allowed 66.4% Steps 29%, 29% compounded | Genworth notice |
| Nov 2017 | Pre-PCS, PCS I, PCS II | Allowed Pre-PCS: 18% (limited), 72.8% (lifetime). PCS I and PCS II: 72.8% (limited and lifetime) Steps 20% / 20% / 20% compounded | Genworth notice |
Ohio
| Date | Policy series | Increase | Source |
|---|---|---|---|
| Jun 2025 | Privileged Choice & Classic Select (AARP and non-AARP) | Allowed 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) Steps 52.1% as (15%, 15%, 15% compounded) | Genworth notice |
| Jun 2025 | Privileged Choice Flex (policies without Revised Married Discount) | Allowed 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) Steps 35.3% as (15%, 15%, 2.3% compounded); 52.1% as (15%, 15%, 15% compounded) | Genworth notice |
| Jun 2025 | Choice I | Allowed 15% for all four benefit-period and inflation groups | Genworth notice |
| Jun 2024 | PCS II | Allowed Greater than 1% inflation: limited 80%; lifetime 95%. No or 1% inflation: not applicable | Genworth notice |
| Feb 2024 | Privileged Choice & Classic Select (AARP and non-AARP) | Allowed 15%, except 0% for limited benefit periods with no or 1% inflation | Genworth notice |
| May 2022 | Pre-PCS, PCS I, PCS II | Allowed Pre-PCS 5.8% (limited) / 54.2% (lifetime); PCS I 51.1% (limited) / 128% (lifetime); PCS II 47.6% (limited) / 98.9% (lifetime) | Genworth notice |
Oklahoma
| Date | Policy series | Increase | Source |
|---|---|---|---|
| Jan 2026 | My Future, My Plan 1.0 and 2.0 (group certificates) | Allowed 52.1% Steps 15%, 15%, 15% compounded | Genworth notice |
| May 2025 | Choice I | Allowed 32.3% for all four listed categories (lifetime and limited benefit periods, with and without more than 1% inflation protection) Steps 15%, 15% compounded | Genworth notice |
| Jan 2025 | PCS II | Allowed 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%) Steps 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 | Genworth notice |
| Dec 2024 | Privileged Choice and Classic Select | Allowed 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%) Steps 32.3% phased 15%, 15% compounded | Genworth notice |
| Dec 2024 | Privileged Choice Flex (including policies with Revised Married Discount) | Allowed 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 Steps 28.3% phased 15%, 11.6% compounded; 32.3% phased 15%, 15% compounded | Genworth notice |
| May 2023 | Choice 1 | Allowed 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 Steps 15%, 15% compounded | Genworth notice |
| Jan 2023 | PCS II (policies with greater than 1% inflation protection) | Allowed 32.3% (limited and lifetime benefit periods) Steps 15%, 15% compounded | Genworth notice |
| Nov 2022 | Privileged Choice Flex (policies with greater than 1% inflation protection, including Revised Couples Discount policies) | Allowed 32.3% Steps 15%, 15% compounded | Genworth notice |
| Apr 2022 | Privileged Choice and Classic Select | Allowed 32.3% Steps 15%, 15% compounded | Genworth notice |
| Apr 2021 | Choice 1 | Allowed 32.3% (limited and lifetime benefit periods) Steps 15%, 15% compounded | Genworth notice |
| Nov 2020 | Privileged Choice Flex | Allowed 32.3% Steps 15%, 15% compounded | Genworth notice |
| Mar 2020 | Privileged Choice and Classic Select | Allowed 32.25% Steps 15%, 15% cumulative | Genworth notice |
| Mar 2019 | Privileged Choice and Classic Select | Allowed 10% | Genworth notice |
| Oct 2017 | Pre-PCS, PCS I, PCS II | Allowed 10% (limited and lifetime benefit periods) | Genworth notice |
| Aug 2016 | Privileged Choice and Classic Select | Allowed 10.00% | Genworth notice |
Oregon
| Date | Policy series | Increase | Source |
|---|---|---|---|
| May 2024 | Privileged Choice, Classic Select (non-AARP) | Allowed 0% to 15% (limited benefit period with no or 1% inflation protection: 0%; all other groups: 15%) | Genworth notice |
| Mar 2020 | Pre-PCS (50000), PCS I (7000AN, 7020AF), PCS II (7030AN, 7031AN), Choice I (7035AV), Choice II (7042OR, 7044OR, 7042OR Rev, 7044OR Rev) | Allowed, less than asked Asked 48% to 100% depending on policy form and benefit duration Allowed 48% for Choice II, 62% average for Choice I, and 0% for all other policies 8,554 policyholders | Oregon DFR |
| Jun 2017 | Policy forms 7042, 7044, 7042 Rev, 7044 Rev | Allowed, less than asked Asked 48.30% Allowed 28.98% | California DOI multi-state history (2019) |
| Apr 2016 | Policy forms 7000, 7020, 7030, 7031, 7035 | Allowed, less than asked Asked 42% to 130% depending on form and benefit period (7035: 42 - 58%) Allowed 42.00% | California DOI multi-state history (2019) |
Look up filings yourself: Oregon regulator's rate filing page
Pennsylvania
| Date | Policy series | Increase | Source |
|---|---|---|---|
| Jan 2026 | Privileged Choice Flex | Allowed 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) Steps 42.1% is phased 30%, 9.3% compounded; other cells single step | Genworth notice |
| Dec 2025 | AARP Group (group certificates; decided by Washington, D.C.) | Allowed 10% | Genworth notice |
| Sep 2024 | PCS I (Rate Stability policies issued on or after 9/16/2002) | Allowed 17.5% (lifetime benefit periods); 36.7% (limited benefit periods) Steps 36.7% is phased 16.9%, 16.9% compounded | Genworth notice |
| Mar 2024 | Pre-PCS | Allowed 15.4% (limited benefit periods); 82.6% (lifetime benefit periods) Steps 82.6% is phased 30%, 30%, 8% compounded | Genworth notice |
| Oct 2023 | PCS II | Allowed 37% to 118.2% by issue date, benefit period and inflation protection Steps Phased over 2 or 3 steps, first steps 30% | Genworth notice |
| Jul 2023 | Choice 1 | Allowed 66.9% to 119.7% by issue date, benefit period and inflation protection Steps Phased over 2 or 3 steps of up to 30% | Genworth notice |
| Dec 2022 | Privileged Choice Flex (policies with greater than 1% inflation protection) | Allowed 91% to 119.7% Steps 99.4%: 30%, 30%, 18% compounded; 119.7%: 30%, 30%, 30% compounded; 91%: 30%, 30%, 13% compounded | Genworth notice |
| Nov 2022 | Choice 2 and 2.1, forms 7044 and 744 Rev (Privileged Choice / Classic Select generation) | Asked 75.3% Allowed 75.3% (requested increase approved) Steps staged over a 4-year period 11,859 policyholders | Pennsylvania Insurance Dept. |
| Mar 2021 | Choice I, form 7035 | Allowed, less than asked Asked 83.8% average (policies issued before 9/16/2002); 60.9% average (issued on or after) Allowed 20% 12,900 policyholders | Pennsylvania Insurance Dept. |
Look up filings yourself: Pennsylvania regulator's rate filing page
Rhode Island
| Date | Policy series | Increase | Source |
|---|---|---|---|
| Mar 2026 | Privileged Choice Flex | Allowed 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) Steps 32.3%: 15%, 15% compounded; 72.8%: 20%, 20%, 20% compounded | Genworth notice |
| Mar 2026 | PCS I | Allowed 50.3% (lifetime benefit periods); 11.2% (limited benefit periods) Steps 50.3% is phased 22.6%, 22.6% compounded | Genworth notice |
| Dec 2025 | AARP Group (group certificates; decided by Washington, D.C.) | Allowed 10% | Genworth notice |
| Aug 2025 | My Future, My Plan 1.0 and 2.0 (group certificates; decided by Washington, D.C.) | Allowed 10% | Genworth notice |
| Feb 2023 | PCS II, Choice 1 | Allowed 25.7% to 71.9% Steps Two compounded steps each: 12.2%, 23.6%, 24.4% or 31.1% | Genworth notice |
| Dec 2021 | Privileged Choice and Classic Select (AARP and non-AARP) | Allowed 95.3% Steps 25%, 25%, 25% compounded | Genworth notice |
South Carolina
| Date | Policy series | Increase | Source |
|---|---|---|---|
| May 2026 | Choice I | Allowed 25% | Genworth notice |
| 2025 | PCS I; PCS II; Choice I; Privileged Choice, Classic Select (including AARP); Privileged Choice Flex | Pending Asked 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% No decision when we last checked. | Genworth notice |
| Aug 2023 | Privileged Choice, Classic Select | Allowed 10% to 25% | Genworth notice |
| Aug 2022 | PCS II | Allowed 15% (limited benefit period); 25% (lifetime) | Genworth notice |
State rules
- 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
South Dakota
| Date | Policy series | Increase | Source |
|---|---|---|---|
| Oct 2023 | Privileged Choice Flex (policies with greater than 1% inflation protection) | Allowed 78.4% (limited), 127% (lifetime). Policies with Revised Couples Discount: 105% (limited), not applicable (lifetime) | Genworth notice |
| Oct 2022 | PCS II and Choice 1 | Allowed 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% | Genworth notice |
| Apr 2021 | Privileged Choice and Classic Select | Allowed 40.2% (non-AARP); 39.9% (AARP Privileged Choice) | Genworth notice |
| Jan 2021 | PCS II and Choice 1 | Allowed PCS II: 26% (limited), 53% (lifetime). Choice 1: 55% (limited), 72% (lifetime) | Genworth notice |
| Nov 2020 | Privileged Choice Flex | Allowed 66.3% | Genworth notice |
| Mar 2020 | Privileged Choice and Classic Select | Allowed 21.6% (non-AARP); 20.8% (AARP Privileged Choice) | Genworth notice |
| Jun 2018 | PCS I, PCS II, Choice 1 | Allowed 55% (limited), 72% (lifetime) | Genworth notice |
| Sep 2016 | Privileged Choice and Classic Select | Allowed 47.8% | Genworth notice |
Tennessee
| Date | Policy series | Increase | Source |
|---|---|---|---|
| Jun 2024 | Choice 1 | Allowed 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) Steps 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% | Genworth notice |
| Feb 2024 | Privileged Choice & Classic Select | Allowed 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 Steps 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) | Genworth notice |
| Feb 2024 | PCS II | Allowed 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) Steps 95.2% as (35%, 20.5%, 20% compounded); 52.2% as (35%, 12.7% compounded); 118.9% as (35%, 20%, 20%, 12.6% compounded) | Genworth notice |
| Jan 2024 | Privileged Choice Flex | Allowed 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 Steps 96.34% as (35%, 21.2%, 20% compounded); 143.97% as (35%, 25.5%, 20%, 20% compounded); 95% as (35%, 20.3%, 20% compounded) | Genworth notice |
Texas
| Date | Policy series | Increase | Source |
|---|---|---|---|
| Feb 2025 | PCS I and PCS II | Allowed 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% Steps PCS II 77.3% phased 25%, 25%, 13.5% compounded; PCS II 56% phased 25%, 24.8% compounded The notice says Genworth agreed not to seek further increases on PCS I and PCS II policies in Texas. | Genworth notice |
| Feb 2025 | Privileged Choice Flex, policies with Revised Married Discount | Allowed 25% for limited benefit period policies with greater than 1% inflation protection; 0% for all other listed categories | Genworth notice |
| Oct 2023 | Privileged Choice and Classic Select | Allowed 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 Steps 68% phased 25%, 25%, 7.5% compounded; 77.2% phased 25%, 25%, 13.4% compounded | Genworth notice |
| Oct 2023 | My Future, My Plan 1.0 and 2.0 (group certificates) | Allowed 58.5% Steps 26%, 25.8% compounded | Genworth notice |
| Nov 2021 | Privileged Choice Flex | Allowed With Benefit Increase Option: 36.9% (limited), 94.3% (lifetime). No Benefit Increase Option: 18.1% (limited), 51.5% (lifetime) Steps 36.9% phased 17%, 17% compounded; 94.3% phased 39.4%, 39.4% compounded; 51.5% phased 23.1%, 23.1% compounded | Genworth notice |
State rules
- When Texas approves a long-term care rate increase, the insurer must let the policyholder adjust benefits to offset the cost. Source
Utah
| Date | Policy series | Increase | Source |
|---|---|---|---|
| Mar 2020 | Privileged Choice, Classic Select | Allowed 10.5% | Genworth notice |
| Sep 2018 | Policy forms 7020, 7035; 7030, 7031, 7032 | Asked 55 - 72% (55% limited benefits, 72% lifetime benefits) Allowed 55-72% | California DOI multi-state history (2019) |
| Jul 2018 | Policy forms 7021 | Allowed, less than asked Asked 39 - 202% (39% limited benefits, 202% lifetime benefits) Allowed 30 - 60% | California DOI multi-state history (2019) |
| May 2018 | Policy forms 7042, 7044, 7042 Rev, 7044 Rev | Allowed, less than asked Asked 54.00% (59.70% on the AARP 2017 Round 3 filing) Allowed 32.00% (33.60% AARP) | California DOI multi-state history (2019) |
Vermont
| Date | Policy series | Increase | Source |
|---|---|---|---|
| Dec 2025 | AARP Group (group certificates; decided by Washington, D.C.) | Allowed 10% | Genworth notice |
| Nov 2024 | Individual LTC (series not named) | Pending Asked 96% average; 208% highest No decision when we last checked. 44 policyholders | Vermont DFR |
| Oct 2024 | Individual LTC (series not named) | Pending Asked 233% average; 356% highest No decision when we last checked. 256 policyholders | Vermont DFR |
| Sep 2024 | Individual LTC (series not named) | Pending Asked 254% average; 355% highest No decision when we last checked. 4 policyholders | Vermont DFR |
| Aug 2024 | Individual LTC (series not named) | Pending Asked 297% average; 547% highest No decision when we last checked. 1,774 policyholders | Vermont DFR |
| Nov 2023 | Choice 2 (Privileged Choice / Classic Select generation) | Allowed, less than asked Asked 189% Allowed 21% 2,084 policyholders | Vermont DFR |
| Dec 2022 | Pre-PCS | Denied Asked 85% 43 policyholders | Vermont DFR |
| Dec 2019 | Choice 2 | Allowed, less than asked Asked 85.8% Allowed 22.4% 2,345 policyholders | Vermont DFR |
Look up filings yourself: Vermont regulator's rate filing page
Virginia
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.
| Date | Policy series | Increase | Source |
|---|---|---|---|
| Jul 2026 | Group long-term care (policy form 7046) | Pending Asked 36.8% No decision when we last checked. 15,429 policyholders | Virginia Bureau of Insurance |
| Feb 2025 | Group long-term care (policy form 7046) | Asked 14.1% Allowed 14.1% 17,263 policyholders | Virginia Bureau of Insurance |
| Dec 2024 | PCS II | Allowed, less than asked Asked 84.7% Allowed 80.7% average; 34.5% to 85.5% Steps 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) 4,668 policyholders | Virginia Bureau of Insurance |
| Dec 2024 | Choice 1 (two filings: forms issued before and on/after 10/1/2003) | Allowed, less than asked Asked 103.9% and 103.5% (two filings) Allowed 26.8% average and 27.3% average; 25% to 39% 1,554 and 189 policyholders | Virginia Bureau of Insurance |
| Sep 2024 | PCS I; Choice 1; Privileged Choice and Classic Select; Privileged Choice Flex (six filings) | Pending Asked 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%) No decision when we last checked. Filed September to December 2024. | Virginia Bureau of Insurance |
| Jun 2024 | Privileged Choice and Classic Select | Allowed, less than asked Asked 111.6% Allowed 47.7% average; 0% to 105.8% 15,320 policyholders | Virginia Bureau of Insurance |
State rules
- Every LTC rate increase must be filed with the Bureau of Insurance, which may approve, disapprove, or approve a lower rate. Source
- 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
- Increases are reviewed under 14VAC5-200-153; the Bureau cites a 60% minimum lifetime loss ratio in its decisions. Source
Look up filings yourself: Virginia regulator's rate filing page
Washington
| Date | Policy series | Increase | Source |
|---|---|---|---|
| May 2024 | Privileged Choice, Classic Select (AARP and non-AARP) | Allowed 30% | Genworth notice |
| Sep 2021 | Pre-PCS, PCS I, PCS II, Choice 1 | Allowed 30% | Genworth notice |
| Sep 2019 | Choice 1 | Allowed 30% | Genworth notice |
| Apr 2017 | Policy forms 7042, 7044, 7042 Rev, 7044 Rev | Asked 48.50% (53.70% on the AARP 2017 Round 2 filing) Allowed 48.50% | California DOI multi-state history (2019) |
State rules
- 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
West Virginia
| Date | Policy series | Increase | Source |
|---|---|---|---|
| Sep 2025 | Privileged Choice, Classic Select (non-AARP and AARP) | Allowed 35% (lifetime, inflation >1%); 30% (limited, inflation >1%); 0% for no or 1% inflation | Genworth notice |
| Sep 2025 | Privileged Choice Flex | Allowed 0% to 10.7% | Genworth notice |
| Dec 2023 | Privileged Choice, Classic Select | Allowed 23.4% to 61.5% | Genworth notice |
| Nov 2023 | Choice 1 | Allowed 40.2% to 103% | Genworth notice |
Wisconsin
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.
| Date | Policy series | Increase | Source |
|---|---|---|---|
| Feb 2025 | PCS I | Allowed 33.1% phased (10%, 10%, 10% compounded) Steps Three steps of 10%, implemented in 2025, 2027 and 2029 | Genworth notice |
| Sep 2024 | AARP Group: My Future, My Plan 1.0 and 2.0 | Allowed 64.8% | Genworth notice |
| Apr 2024 | Privileged Choice & Classic Select (AARP and non-AARP) | Allowed 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% Steps 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). | Genworth notice |
| Apr 2024 | Privileged Choice Flex | Allowed 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% Steps 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). | Genworth notice |
| Apr 2024 | PCS II and Choice 1 | Allowed PCS II: 77.16% total for all four benefit/inflation groups. Choice: 94.87% total for all four groups Steps 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). | Genworth notice |
| Jul 2023 | Choice 1 (policies issued on or after 1/1/2002) | Allowed 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) | Genworth notice |
| Jan 2022 | AARP Group: My Future, My Plan 1.0 and 2.0 | Allowed 103% | Genworth notice |
| Nov 2020 | Privileged Choice Flex | Allowed 66.3% | Genworth notice |
| Jun 2020 | Privileged Choice (AARP policies) | Allowed 23.6% | Genworth notice |
State rules
- 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
- 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
Look up filings yourself: Wisconsin regulator's rate filing page
Wyoming
| Date | Policy series | Increase | Source |
|---|---|---|---|
| Apr 2024 | Privileged Choice and Classic Select | Allowed 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%) Steps 71.6%: 15%, 15%, 15%, 12.8%; 50.4%: 15%, 15%, 13.7%; 214.8%: 33.2% x4, all compounded | Genworth notice |
| Nov 2023 | Privileged Choice Flex | Allowed Limited benefit period, greater than 1% inflation protection: 59.5%. Lifetime benefit period, no or 1% inflation protection: 27.1% Steps 59.5%: 15%, 15%, 15%, 4.9% compounded; 27.1%: 15%, 10.5% compounded | Genworth notice |
| Nov 2023 | Choice 1 | Allowed 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%) Steps 82.9%: 16.3% x4; 107.4%: 20% x4; 103.9%: 19.5% x4; 130.4%: 23.2% x4, all compounded | Genworth notice |
| Mar 2021 | Privileged Choice and Classic Select | Allowed 44.15% Steps 15%, 15%, 9% compounded | Genworth notice |
| Nov 2020 | Privileged Choice Flex | Allowed 49.3% Steps 15%, 15%, 12.9% compounded | Genworth notice |
| Mar 2020 | Privileged Choice and Classic Select | Allowed 12.8% (non-AARP); 12.7% (AARP Privileged Choice) | Genworth notice |
| Apr 2018 | Choice 1 | Allowed 55% (limited benefit period), 72% (lifetime) | Genworth notice |
How this table is built
- Every figure was read in the linked document. Where we could not open a source, the row was left out.
- Most rows come from the rate action notices Genworth sends to insurance agents. We report the figures and link the notice. Those notices say what a state allowed and do not give the amount requested.
- Rows from state regulators (Virginia, Indiana, Connecticut, Maine, Vermont, Pennsylvania, Maryland, Oregon, New Jersey) show the request as well. Older rows for several western states come from the California Department of Insurance's multi-state Genworth history, which names policies by form number.
- The list is not complete. A state with no recent row may still have had an increase we did not find.
- Your own rate increase letter is the authority for your policy: it gives your percentage, your effective date and your options.
- Sources last checked October 11, 2026. The full dataset is available as JSON.
Executive compensation context
Genworth's executive compensation structure ties incentive pay to long-term care in-force rate actions. CEO Thomas McInerney received $9.8 million in total compensation in 2023, including $3.2 million in incentive pay, with approved LTC rate increases identified as a key metric in the bonus structure. This is a material context point for in-force policyholders evaluating Genworth's rate-filing trajectory: the company's senior leadership has direct financial exposure to maximizing approved rate-increase volume.
Source: CT Mirror, January 2025; Genworth proxy disclosures.
Adjacent reading
- The LTC Rate-Hike Letter: Five Options Inside the Decision Window — what to do when a Genworth rate-increase notice arrives.
- Contingent Nonforfeiture, Explained — the NAIC §28 paid-up benefit triggered by qualifying Genworth rate increases on post-2000 policies.
- Should You Drop Your LTC Policy? — six triggers, six decision frameworks.
- Self-Insure vs LTC Insurance: Real Math at $1M, $2M, $5M Net Worth — the math when dropping is on the table.
Primary sources
- CT Mirror. "Genworth ties executive pay to long-term care insurance rate hikes." January 27, 2025. ctmirror.org
- InsuranceNewsNet. "Genworth Financial boosting LTCi prospects via CareScout, rate hikes." Genworth CFO Jerome Upton statements on Q3 2025 results. insurancenewsnet.com
- Genworth Financial. In-force rate action notices to agents, 2016 to 2026. Each state row above links to the notice it came from.
- State insurance regulators: Virginia Bureau of Insurance, Indiana Department of Insurance (Rate Watch), Connecticut Partnership for Long-Term Care quarterly updates, Maine Bureau of Insurance, Vermont Department of Financial Regulation, Pennsylvania Insurance Department, Maryland Insurance Administration, Oregon Division of Financial Regulation, New Jersey Department of Banking and Insurance. Linked row by row.
- California Department of Insurance. Long Term Care Rate Increase History, Genworth Life Insurance Company (as of December 2019). insurance.ca.gov
- Genworth Q1 2026 earnings coverage (cumulative $34.5B). finance.yahoo.com
- New York Department of Financial Services. "DFS Releases Report on Long Term Care Insurance Market." June 2023. dfs.ny.gov
- WFTV Action 9 (Orlando). Report on Florida's approval of a Genworth increase, January 8, 2019. wftv.com
- Genworth Financial, Inc. 2024 Annual Report (10-K). SEC filing. investor.genworth.com
- Genworth Financial. "About Long Term Care Insurance Premium Increases." Carrier disclosure on rate-increase practices. genworth.com