Product and Underwriting Guide Updates

The following updates have been made to Mutual of Omaha’s LTCi product and underwriting guidelines. This is not intended to be an all inclusive list. You’ll find complete details in the MutualCare® Solutions Product & Underwriting Guide.

Effective April 1, 2016

Product Updates

  • Added Coverage Effective Date rules
  • Updated Collecting Premium section to include Automatic Bank Account Withdrawal enhancement for initial premium
  • Clarified check and Automatic Bank Account Withdrawal premium submission process

Underwriting Updates

Uninsurable Conditions
Added the following as uninsurable conditions:

  • Continuing Care Retirement Community within 6 months
  • Thoracic Aneurysm
  • Coronary Artery Disease in combination with Diabetes
    and tobacco use within 12 months
  • DiGeorge Syndrome
  • VA Disability for mental nervous condition
  • High Risk Sexual Behavior, or prescription for or taking
    nPEP, or PrEP
  • Joint Injections (severe disease)
  • Thrombocytosis, platelet count >650,000

Other Updates & Changes

  • Added Face-to-Face Interview must be completed in
    applicant’s home
  • Defined CMP (comprehensive metabolic panel)
  • Added mild depression to preferred underwriting criteria
    (excluded from psychiatric disease)
  • Added medications associated with uninsurable health
    conditions to the list and updated the list to include both
    generic and trade names
  • Clarified and standardized narcotic pain medication use
    among impairments
  • Clarified moderate to severe Heart Valve Disorder with
    Atrial Fibrillation/Flutter
  • BPH (benign prostatic hypertrophy) age and PSA ranges
  • Blood Clotting Disorder Class I and decline conditions
  • Disabled removed percentages
  • Added Handicap Placard Class I
  • Herniated Disc/Degenerative Disc Disease added epidural
    steroid injection handling
  • Added Joint Injections handling
  • MRSA consider after 1 year
  • Sleep Apnea added mild to severe disease handling
  • Added Thrombocytosis, platelet count <650,000, stable 2 years Class I
  • Added Wolff-Parkinson White, present no structural
    heart damage S – IC

The updated MutualCare® Solutions Product & Underwriting Guide can be viewed on Sales Professional Access in the Forms and Materials Section and ordered using your normal ordering channels. You can order or view the updated guide today.

If you have any questions please contact Mutual of Omaha’s Sales Support at (800) 693-6083 or email

Product and Underwriting Guide Updates