Throughout 2023, the Mutual of Omaha Long-Term Care Underwriting Team has been focused on enhancing the ease of doing business with us. Recognizing that lead time and challenges in obtaining medical information have been problematic, we are now incorporating medical claims data to assist us in our risk evaluation process.

We are confident that by integrating this medical claims data into our underwriting toolbox, we will streamline processing and reduce the need for additional requirements. Ultimately, this will result in quicker decisions for you and your clients.

Effective June 20, 2023, we will begin ordering medical data for all applications and review it prior to ordering any interviews or medical records. Please take note of the following important updates regarding this process:

• We will no longer auto-order medical records. Records will only be ordered at the underwriter's discretion.
• For clients aged 59 or younger, Phone Health Interviews will no longer be automatically ordered. They will be ordered only when necessary and at the underwriter's discretion.
• For clients aged 60-64, after a review of medical claims data, we will order a Phone Health Interview with cognitive screening which will be conducted by phone.
• For clients aged 65 and older, after a review of medical claims data, we will order Face-to-Face Assessments.

We value your business and encourage you to reach out to your LTC Underwriting Team with any questions.

Virginia L. Craig
Vice President, Head of Individual Underwriting
Mutual of Omaha