LTC Post-Issue Requirements: Outstanding Premium

Over the past few weeks you’ve learned the basics about long-term care post issue requirements (PIRs), including an overview of the types, as well as different amendment scenarios. Today we will discuss outstanding premium.

If there is any outstanding premium due, below are things to note to meet the post-issue requirements as quickly as possible.

Post-Issue Benefit Changes
If a benefit change is made post-issue, the original premium is still due by day 60 from issue. The new Premium Statement sent in the new policy kit will list the date the premium is due as “Upon Receipt.”

Completed Checks
When mailing in checks, ensure the checks are complete. Checks are deposited upon receipt and cannot be stored or held. To avoid delay, ensure all fields are complete and in good order, including:

  • No post-dated checks
  • Signature is present
  • Payee line is not blank

Accurate Address
Premium checks are sent to a different location than the PIR forms.

Policy Documents
Long-Term Care Service Office
P.O. Box 64901
St. Paul, MN 55164-0901

Premium Checks
Mutual of Omaha Insurance Company
P.O. Box 30154
Omaha, NE 68103-1254


Next time your client’s policy has outstanding premium do, verify the information above is in good order. If you have questions about PIRs for a client, please reach out to the case manager assigned to the application for status updates as well as detail.
If you have any questions, please contact Mutual of Omaha’s Sales Support at (800) 693-6083 or e-mail

LTC Post-Issue Requirements: Outstanding Premium


>   Related: LTC Post-Issue Requirements: Amendment Scenarios
What are LTC Post Issue Requirements?