Long Term Care Issue Age Restrictions Lifted in 30 States
As the stay-at-home orders begin to lift and local businesses start to reopen, Mutual of Omaha is lifting some restrictions on LTC applications where the ability to obtain face-to-face interviews has improved.
Beginning June 15, 2020, Mutual of Omaha will accept LTC applications for clients age 65 and over in the following states: Alabama, Alaska, Arizona, Arkansas, Colorado, Delaware, Florida, Georgia, Hawaii, Idaho, Indiana, Iowa, Kansas, Louisiana, Maryland, Mississippi, Missouri, Montana, Nebraska, Nevada, North Dakota, Oklahoma, South Carolina, South Dakota, Tennessee, Texas, Utah, West Virginia, Wisconsin and Wyoming.
Mutual of Omaha will continue to evaluate lifting the restrictions for additional states. Until then, all remaining states will continue to follow the temporary guidelines and processes outlined in the previous temporary underwriting guideline communication.
Also, underwriters will initiate the scheduling of face-to-face assessments for LTC applicants age 65 and over after medical records have been received, reviewed and they are favorable for insurability. This will ensure they are only requesting face-to-face assessments on individuals who are indeed insurable, subject to the completed assessment. This avoids the inconvenience of going through an assessment during this difficult time, only to be deemed uninsurable based on the medical records. This will also provide additional communication touchpoints with the producer during the underwriting process as each step is completed.
