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NJ MutualCare Solutions Update

Last year, Mutual of Omaha began implementing new rates and benefit option changes to the MutualCare Solutions Portfolio in approved states. Effective August 1, 2021, they will be implementing these changes in three additional states. 

Impacted States

District of Columbia, Hawaii and New Jersey

Rate Adjustments

Premium adjustments may vary by age, sex and benefit selection. You may view the new rates by referring to the quoting software beginning August 1, 2021.

Cash Benefit Changes

  • MutualCare Custom: 25% of home health care benefit up to initial maximum of $2,000 per month
  • MutualCare Secure: 25% of home health care benefit up to initial maximum of $2,000 per month

Partner Premium Allowance Changes

  • Both Issued: 15%
  • One Issued: 5%

Transition Rules

New paper and e-Applications for MutualCare Solutions will be required for impacted states beginning August 1, 2021. The new application pack cover series will end in _0821. Please discontinue use of all old applications based on the transition rules below. The following transition rules will apply:

  • Paper Applications
    • Applications with a signed date of August 1, 2021, and later will get the new rates and benefits and will require our new application.
    • Applications signed prior to August 1, 2021 and received in the home office on or before August 13, 2021 will receive the current rates and product benefits.
    • Old applications received after August 13, 2021, will not be accepted regardless of application sign date. Applications will be closed, and a new application will be required to apply for coverage. No exceptions will be made.
    • Back dating applications is not allowed and will not be accepted.
  • e-Applications 
    • If you have a pending e-Application started, it must be signed on or before July 31, 2021, to receive the old rates and benefits. You can access your pending application, complete and submit like normal.
    • Pending e-Applications must be submitted to the Home Office no later than August 13, 2021, or they will not be accepted.

Quoting Software

Winflex, MutualCare Solutions, and mobile quote software will be available for download effective August 1, 2021. To ensure rates are appearing properly, please update your software on or after this date.

Marketing Materials and Forms 

  • Old paper applications will be available for download only on Sales Professional Access until July 31, 2021.
  • New paper applications, e-Applications and marketing materials will be available on August 1, 2021