At Mutual of Omaha, we don't take a one-size-fits-all approach to long-term care insurance. Instead, we allow you to make choices about your coverage to give you a policy tailored to your situation and budget.
Long-Term Care I is a simplified approach to long-term care insurance. It allows you to make basic choices about your long-term care insurance coverage.
Long-Term Care II is filled with many more optional features. It provides more choices so you can customize a policy that's right for you.
Long Term Care Insurance is underwritten by Mutual of Omaha Insurance Company, Mutual of Omaha Plaza, Omaha, Nebraska, 68175. Policy forms LTC04I-TQ, LTC04I-NTQ, LTC04I-AG-TQ, LTC04I-AG-NTQ or state equivalent. In ID LTC04I-1PLTQ-BR-ID,LTC04I-2PLTQ-BR-ID, LTC04I-1PLNTQ-BR-ID, LTC04I-2PLNTQ-BR-ID, LTC04I-[AG]-1PLTQ-BR-ID, LTC04I-[AG]-2PLTQ-BR-ID, LTC04I-[AG]-1PLNTQ-BR-ID, LTC04I-[AG]-2PLNTQ-BR-ID In OK LTC04I-TQ-OK, LTC04I-NTQ-OK, LTC04I-AG-TQ-OK, LTC04I-AG-NTQ-OK In TX LTC04I-TQ-TX, LTC04I-NTQ-TX, LTC04I-AG-TQ-TX, LTC04I-AG-NTQ-TX In OR LTC04I-1PLTQ-BR-OR, LTC04I-2PLTQ-BR-OR, LTC04I-1PLNTQ-BR-OR, LTC04I-2PLNTQ-BR-OR, LTC04I-AG-1PLTQ-BR-OR, LTC04I-AG-2PLTQ-BR-OR, LTC04I-AG-1PLNTQ-BR-OR, LTC04I-AG-2PLNTQ-BR-OR. In PA LTC04I-1PLTQ-BR-PA, LTC04I-2PLTQ-BR-PA, LTC04I-1PLNTQ-BR-PA, LTC04I-2PLNTQ-BR-PA, LTC04I-AG-1PLTQ-BR-PA, LTC04I-AG-2PLTQ-BR-PA, LTC04I-AG-1PLNTQ-BR-PA, LTC04I-AG-2PLNTQ-BR-PA; in NY,LTC04I-TQ-NY,LTC04I-NTQ-NY,LTC04I-AG-TQ-NY, LTC04I-AG-NTQ-NY) Coverage may vary by state. An outline of coverage is available upon request. These policies have exceptions, limitations and reductions. For costs and complete details of the coverage, call or write your insurance agent or the company.
In New York, this policy provides Long-Term Care Insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department. The expected loss ratio for this policy is 65%. This ratio is the portion of future premiums, which the company expects to return as benefits when averaged over all people with this policy.
AFN40101-108