Mutual of Omaha – Long-Term-Care Insurance Partner Supporting Seniors’ Access to Care
Supporting Senior-Care Ecosystems Directly Through Stand-Alone Long-Term-Care Policies
Mutual of Omaha is a Fortune 500 insurer that has become one of the leading long-term-care (LTC) insurance providers in the United States. Founded in 1909, it offers insurance and financial products nationwide, with LTC coverage available in all 50 states through solutions like MutualCare Secure Solution and other traditional LTC policies. These policies are designed to help individuals pay for extended care and assistance so they can remain as independent as possible without bearing the entire cost themselves.
Who Is Mutual of Omaha in Long-Term-Care Risk?
Mutual of Omaha’s LTC policies are federally qualified long-term-care insurance contracts and may qualify policyholders for federal and state tax advantages under current law. Products such as MutualCare Secure Solution are traditional LTC policies that provide payment for qualified LTC services and help protect retirement savings. Coverage is designed to pay for nursing-facility care, assisted-living, home-health care, and adult-day-care services when policyholders need help with activities of daily living (ADLs) or have severe cognitive impairment.
Company material and third-party reviews note features such as monthly benefits from roughly 1,500 to 15,000 dollars, benefit pools from about 50,000 to 500,000 dollars, shared-care options for couples, and optional inflation protection. Educational content from Mutual of Omaha emphasizes that LTC insurance is the most flexible, straightforward option for extended care compared with relying solely on Medicare, Medicaid, or family support.
Why Senior-Care Ecosystems Need Mutual of Omaha
Senior-care ecosystems rely on Mutual of Omaha when:
- Residents or clients carry Mutual of Omaha LTC policies to help pay for facility-based or home-based care.
- Financial planners integrate its policies into retirement and estate strategies.
- Providers must document functional status and services to support LTC claims.
This makes structured ADL, cognitive-status, and service-usage data critical for both providers and policyholders.
Case Study
A continuing-care retirement community (CCRC) serves residents in independent-living, assisted-living, and skilled-nursing units. Many residents own Mutual of Omaha LTC policies such as MutualCare Secure Solution, and families look to those benefits to pay for care. Mutual of Omaha requests periodic documentation of ADL limitations, cognitive assessments, care-plan changes, and monthly service details to confirm eligibility and ongoing benefit payments. The community’s documentation is scattered across EHRs and paper notes, making it time-consuming to respond to each request and difficult for residents to track what has been submitted.
The CCRC implements Caring Data to record ADL status, cognitive scores, and service utilization in standardized fields aligned with typical LTC policy triggers and Mutual of Omaha’s outline-of-coverage language. Staff generate concise, insurer-ready reports for residents to submit, and residents can see a clear history of their care and functional changes. Mutual of Omaha receives more consistent documentation that facilitates claim decisions, while the CCRC spends less time on ad-hoc paperwork and more time on resident care.
Testimonials
“Our residents’ advisors told us the LTC-ready reports from Caring Data made working with Mutual of Omaha much easier.”
“We now see how standardized functional-status and service documentation supports smoother claim approvals and more predictable revenue.”
Key Contact
Mutual of Omaha – Long-Term-Care Insurance
Role: insurer providing traditional, stand-alone LTC policies that help individuals fund facility- and home-based long-term care.
Website:
https://www.mutualofomaha.com/long-term-care-insurance
Address (listing):
3300 Mutual of Omaha Plaza, Omaha, NE 68175
Phones (listing): 800-896-5988 (LTC contact); 402-351-7600 (general corporate line)
Email (listing): SourcingTeam@mutualofomaha.com
Contact (listing): Maureen Griffin
Final Thoughts
Senior-care ecosystems benefit when long-standing LTC insurers like Mutual of Omaha give older adults flexible options for funding care across settings. Caring Data enhances this by providing LTC-ready documentation that supports more efficient claims, better planning, and stronger coordination between providers and financial advisors.
Genworth – Long-Term-Care Claims & Benefits – United States