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LTC Partnership Overview and Training Guide

Learn about state partnership programs and how to structure an LTCi policy that’s partnership qualified.

Overview & Training Guide

State Partnership Availability

This map shows where MutualCare Solutions (LTC13) is available for partnership-qualified sales.

Active partnership program; product approved and available for sale

Partnership sales pending

Original partnership state; not marketing partnership-qualified products

Partnership Inflation Grid by State

Each state has the right to determine the inflation percentages for partnership-qualified LTCi. Mutual of Omaha's Partnership Inflation Grid provides a quick overview.

States Compound Lifetime & Compound Lifetime Buy-up Compound 20 Year & Compound 20 Year Buy-up Compound 15 Year Buy-up Compound 10 Year Buy-up
AL, AR, AZ, CO, FL, GA, ID, KS, LA, MD, ME, MI, MN, MT, NE, NH, ND, NV, SD, TN, TX, WV, WY Ages 30-60: 1%-5%
Ages 61-75: 1%-5%
Ages 56-60: 1%-5%
Ages 61-75: 1%-5%
Ages 61-75: 1%-5% Ages 66-75: 1%-5%
DE, IA, IL, OR, SC, WA, WI Ages 30-60: 3%-5%
Ages 61-75: 3%-5%
Ages 56-60: 3%-5%
Ages 61-75: 3%-5%
Ages 61-75: 3%-5% Ages 66-75: 3%-5%
MO, NC, RI Ages 30-60: 3%-5%
Ages 61-75: 1%-5%
Ages 56-60: 3%-5%
Ages 61-75: 1%-5%
Ages 61-75: 1%-5% Ages 66-75: 1%-5%
OH, OK, NJ Ages 30-60: 3%-5%
Ages 61-75: 3%-5%
     
PA Ages 30-60: 1%-5%
Ages 61-75: 1%-5%
     
VA Ages 30-60: 3%-5%
Ages 61-75: 1%-5%
Ages 61-75: 1%-5% Ages 61-75: 1%-5% Ages 66-75: 1%-5%

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