A REPORT BY THE SUPERINTENDENT OF FINANCIAL SERVICES TO THE GOVERNOR AND THE LEGISLATURE ON THE IMPLEMENTATION OF LEGISLATION PERMITTING APPROVAL OF CERTAIN LONG TERM CARE HEALTH INSURANCE PLANS (REPORT FOR THE TWO-YEAR PERIOD ENDING DECEMBER 31, 2014) SHIRIN EMAMI ACTING SUPERINTENDENT . Andrew M. Cuomo  Governor  Shirin  Emami   Acting Superintendent To Governor Andrew M. Cuomo and the Legislature: A report and recommendations of the Superintendent of Financial Services on the implementation of Chapter 245 of the Laws of 1986 permitting approval of certain long term care health insurance plans is herewith submitted in accordance with the provisions of such act. The current report is for the two-year period ending December 31, 2014. Respectfully submitted, Shirin Emami Acting Superintendent of Financial Services (518) 474‐4567| ONE COMMERCE PLAZA, ALBANY, NY  12257 | WWW.DFS.NY.GOV   . TABLE OF CONTENTS Page Executive Summary ........................................................................................................................ 1   Purpose of Report ........................................................................................................................... 5   General Background ....................................................................................................................... 5   The New York State Partnership for Long Term Care Insurance ..................................................

7   State and Federal Legislation to Encourage the Development of Long Term Care Plans ........... 10   Authorized Long Term Care Insurers ........................................................................................... 16   Factors Contributing to or Impeding the Development of Long Term Care Plans ......................

17   Recommendations and Anticipated Actions to be Taken By the DFS ......................................... 22   Appendices 1 - Total In-Force Long Term Care Policies With Market Share As of 12/31/14 ........................ 23   2 - Number of Non-Partnership Long Term Care Policies as of 12/31/14 ...................................

25   3 - Number of Partnership Long Term Care Policies as of 12/31/14 ........................................... 38   4 - Number of Partnership AND Non-Partnership Long Term Care Policies as of 12/31/14 ...... 42   .

Executive Summary Purpose of this Report Pursuant to Chapter 245 of the Laws of 1986, the Superintendent of Financial Services (Superintendent) is required to make this biennial report to the Governor and the Legislature regarding long term care (LTC) insurance, including but not limited to a description of the plans authorized to issue LTC insurance, factors contributing to or impeding the development of the enrollment in such plans, the adequacy of consumer information in relation to insurance coverage for LTC services, and such recommendations as the Superintendent may deem appropriate. The current report is for the two-year period ending December 31, 2014. General Background The predecessor agency to the New York State Department of Financial Services (DFS), the New York State Insurance Department (Insurance Department), approved the first LTC plans in 1986. For the first twenty-five years, the number of insurers offering such coverage remained steady. However, over the last five years, the number of insurers offering LTC coverage has slightly declined.

As of the end of the reporting period, eleven insurers write individual LTC policies and two insurers write group LTC policies in New York State (NYS). The total enrollment in LTC insurance policies decreased slightly since the last report (December 31, 2013). As of December 31, 2014, there were 71,925 persons enrolled in NYS Partnership for LTC (Partnership) policies and 346,286 persons enrolled in non-Partnership policies. New York State Partnership for Long Term Care Insurance In an effort to encourage more New Yorkers to purchase LTC insurance, NYS established the Partnership program in 1989.

Under the Partnership program, NYS residents who purchase qualified LTC insurance policies will, upon exhaustion of the policy benefits, be able to protect all or part of their assets in qualifying for Medicaid assistance. The NYS Partnership program is different from other states’ Partnership programs which have been established under the federal Deficit Reduction Act of 2005 (DRA). The NYS program, the first of its kind in the nation, pre-dated the DRA programs by sixteen years. State and Federal Legislation to Encourage the Development of Long Term Care Plans In 1996, the federal government enacted the Health Insurance Portability and Accountability Act (HIPAA) which, in part, provided federal tax incentives for purchasing LTC insurance.

Pursuant to the law, benefits received by a chronically ill individual under a "qualified" LTC insurance policy are excludable from income if the payments are based on actual expenses incurred. In 1997, NYS passed a law providing favorable state income tax treatment for those persons purchasing LTC policies that qualify for the federal income tax deduction. Also in 1997, NYS passed a law aimed at promoting the development of a broader and more integrated continuum of LTC, financed by a range of private, public and public/private options, including the development of continuing care retirement communities (CCRCs). 1 . In 2000, NYS increased the tax deduction caps by allowing businesses and individuals to take a tax credit equal to 10% of their LTC insurance premiums. The Legislature extended the tax credit in 2002 to NYS residents covered under a federally qualified out-of-state group LTC insurance contract. In 2004, NYS’s tax credit for the purchase of LTC insurance increased from 10% to 20% of premiums. To further encourage the purchase of LTC insurance, NYS in 2002 enacted the New York Public Employee and Retiree Long Term Care Insurance Plan (NYPERL). The NYPERL offers LTC coverage to State employees, retirees and eligible family members under a group policy issued to NYS.

The full cost of the plan, including coverage of eligible family members, is paid by the employee or insured person and can be deducted from the employee’s salary. Local governments and other public and quasi-public employers may participate in the NYPERL if the employer is eligible for the NYS’s health insurance program and the governing body elects to participate. In 2005, the Insurance Department promulgated regulations that provided for three new LTC insurance product designs for the Partnership in addition to the original product design. After that 2005 promulgation, two product designs provided dollar for dollar asset protection and two product designs provided total asset protection. In 2011, in an effort to add an important consumer protection, the DFS promulgated the Forty-Third Amendment to Insurance Regulation 62 (11 NYCRR 52), establishing an internal appeal process for LTC insurance. The internal appeal procedure permits an insured to request a review by the insurer of a claim denial for payment of benefits under the policy. On June 1, 2012, in accordance with the findings of Governor Andrew M. Cuomo’s Medicaid Re-Design Team, the DFS promulgated the Third Amendment to Insurance Regulation 144 (11 NYCRR 39).

The amendment makes the Partnership more affordable by establishing a new 3.5% annual compound inflation benefit option and by establishing a lower cost minimum Partnership insurance plan design that enables the insured to protect all assets upon Medicaid eligibility. Consumers have increasingly purchased these lower cost options. The amendment also makes the Partnership more marketable by requiring consumer protections for NYS Partnership insureds who move from NYS and subsequently become eligible for asset protection under another state’s Medicaid program. On October 23, 2013, the DFS promulgated the Fourth Amendment to Insurance Regulation 144 (11 NYCRR 39) which sets forth the minimum daily benefit amounts for the five Partnership plan designs from January 1, 2014 through December 31, 2023. Factors Contributing to or Impeding the Development of Long Term Care Plans The six key factors directly affecting the development of the enrollment in LTC insurance policies in NYS are consumer awareness, experience and pricing data, underwriting and policy design, the regulatory environment, marketing concerns, and the cost of coverage. 2 .

Recommendations and Anticipated Actions to be Taken by the Department of Financial Services LTC insurance is an alternative to Medicaid for consumers seeking to finance LTC services. It has developed into a viable product that provides asset protection and peace of mind to consumers. To further encourage the development and purchase of such policies, DFS makes the following recommendations: ï‚· DFS, the NYS Department of Health, and the NYS Office for the Aging should continue efforts to encourage the purchase of LTC policies qualifying under the Partnership; and ï‚· NYS should increase its efforts to educate the public that NYS’s tax credit for LTC premiums provides a substantial tax benefit. Essentially, NYS will support and encourage its tax payers to plan for future LTC expenses by paying 20% of the bill for LTC insurance premiums. This credit is available to any NYS tax payer paying LTC insurance premiums, including children who pay for coverage on behalf of their parents. ï‚· The federal government should be encouraged to:  allow an above-the-line deduction or tax credit for LTC insurance premiums; and  allow LTC insurance to qualify as part of a Cafeteria Plan under Section 125 of the Internal Revenue Code to allow a before-tax deduction for insurance premiums. ï‚· The LTC insurance industry should be encouraged to:  emphasize the marketing and sale of basic LTC type coverage that would be affordable for more middle-class New Yorkers; and  offer innovative LTC products designed to keep premiums affordable while still providing meaningful LTC benefits for middle-class New Yorkers. Further, DFS will: ï‚· Continue to review the minimum standards for the form, content and sale of LTC insurance and amend the standards as necessary to incentivize the sale of meaningful LTC insurance to as many New Yorkers as possible; ï‚· Continue to encourage the submission of innovative LTC product designs which keep premiums affordable and provide meaningful LTC benefits to as many New Yorkers as possible; ï‚· Periodically update DFS's “A Consumer Guide to Long Term Care Insurance in New York”; ï‚· Continue to work with the NYS Department of Health and the NYS Office for the Aging in publicizing and answering questions from the public on the Partnership; 3 .

ï‚· Continue to provide information and assistance to senior citizens concerning LTC insurance and other coverage available to the elderly, such as Medicare supplement insurance; and ï‚· Continue to provide guidance to the industry with regard to the marketing of LTC insurance. 4 . Purpose of Report Chapter 245 of the Laws of 1986 added Section 1117 to the NYS Insurance Law to permit certain insurers authorized by the Superintendent to issue policies providing benefits for LTC. In pertinent part, the act provides that "on or before January first, nineteen hundred eightyeight, and biannually thereafter, the superintendent of insurance shall report to the governor and the legislature on the implementation of this act, including but not limited to a description of the plans authorized pursuant to this act, factors contributing to or impeding the development of the enrollment in such plans, the adequacy of consumer information in relation to insurance coverage for long term care services, and such recommendations as the superintendent may deem appropriate." The current report is for the two-year period ending December 31, 2014. General Background The predecessor agency to the DFS, the NYS Insurance Department first approved LTC insurance plans in 1986. In 1991, the Insurance Department promulgated the Sixteenth Amendment to Insurance Regulation 62 (11 NYCRR 52), which established minimum standards and set forth disclosure requirements for LTC insurance. The regulations took effect on January 1, 1992. In order to allow insurers some flexibility in designing benefit packages to meet the varying needs of the public, and to provide meaningful coverage that is affordable to the greatest number of consumers, the Insurance Department established four categories of insurance policies providing LTC type benefits: 1.

LTC Insurance provides at least 24 months of coverage which meets one of the following options: ï‚· Coverage of all levels of care in a nursing home of at least $100 per day for policies sold in the New York City metropolitan area (i.e., the counties of Bronx, Kings, Nassau, New York, Queens, Richmond, Suffolk, Rockland and Westchester) and $70 per day for all other parts of NYS; home care coverage of at least 50% of the daily indemnity amount provided for care in a nursing home; ï‚· Coverage of all levels of care in a nursing home and coverage of home care, both at no less than 60% of the reasonable charge; and ï‚· Coverage of all levels of care in a participating nursing home (one which has contracted with an insurer to provide services to their policyholders) at no less than 75% of the negotiated rate. For non-participating nursing homes, payment must be no less than 50% of the reasonable charge or $55 per day, whichever is less. Coverage of home care by a participating home care provider at no less than 75% of the negotiated rate. For non-participating home care providers, payment must be no less than 50% of the reasonable charge or $30 per day, whichever is less. 2.

Nursing Home and Home Care Insurance provides at least 12 months of coverage for custodial care services of at least $50 a day while confined in a nursing home and coverage for custodial care services in a private home of at least $25 per day. 5 . 3. Nursing Home Insurance Only provides at least 12 months of coverage for custodial care services of at least $50 per day in a nursing home. 4. Home Care Insurance Only provides at least 12 months of coverage for custodial care services of at least $25 per day in a private home. For all categories, the Insurance Department mandated other benefits as well: ï‚· An inflation protection benefit, which must be offered with all types of policies. The insurer must offer either increased benefit levels of five percent or in proportion to the increase in the Consumer Price Index for All Urban Consumers published by the Bureau of Labor Statistics, compounded annually.

The insurer may also guarantee to the insured individual the right to periodically increase benefit levels without providing evidence of insurability or health status so long as the option has not been declined for three consecutive times; and ï‚· A nonforfeiture benefit, which must be offered with LTC insurance policies. The insurer must offer reduced paid-up insurance, whereby the insured still retains a LTC insurance policy, with the benefits reduced by a percentage stated in the policy or certificate. In 1993, one year after promulgation of the regulation, ten insurers were writing individual LTC insurance policies and four insurers were writing group LTC insurance policies in NYS. As of the end of the reporting period, eleven insurers write individual LTC insurance policies and two insurers write group LTC insurance policies in NYS.

(See page 16 for details) 6 . The New York State Partnership for Long Term Care Insurance In an effort to encourage more New Yorkers to purchase LTC insurance, NYS established the NYS Partnership for Long Term Care Program (Partnership) in 1989. The Partnership became operational in March, 1993. The Partnership originally provided that NYS residents who purchased a qualified policy or certificate providing LTC insurance would, once the benefits from the policy or certificate were exhausted, become eligible for Medicaid assistance without spending down their assets. Income, however, would still be contributed toward the cost of care, in accordance with regular NYS Medicaid rules. Under the original Partnership, the Insurance Department promulgated Insurance Regulation 144 (11 NYCRR 39), which established minimum standards for a qualified policy or certificate under the program. The minimum standards and benefit levels under the Partnership are more stringent than the minimum standards for non-Partnership policies, in order to protect the viability of the NYS Medicaid program, which is legally bound to provide benefits on a special eligibility basis after the benefits of the qualified LTC policy or certificate are exhausted. The Insurance Department promulgated a Second Amendment to Insurance Regulation 144 (11 NYCRR 39) amending the minimum standards in 2005 in response to a desire by LTC insurers participating in the Partnership to expand the products available under the Partnership to include other product designs.

The LTC policies now offered under the Partnership may have maximum policy benefits which are expressed either in the number of days or years of nursing home and home care benefits, or can be expressed as an overall dollar amount which is determined by multiplying the daily benefit amount chosen by the number of days benefits are to be provided. The DFS working closely with the NYS Department of Health, NYS State Office for the Aging and participating insurers, promulgated a Third Amendment to Insurance Regulation 144 (11 NYCRR 39) on June 1, 2012, to reflect proposals recommended by Governor Andrew M. Cuomo’s Medicaid Re-Design Team. The Third Amendment modifies the inflation protection benefit for all plan designs by adding a new 3.5% option and adds a new total asset plan design that provides two years of nursing home care and four years of home and community-based care at 50% of the nursing home care rate. Consumers have increasingly purchased these new lower cost options.

In 2014, approximately 70% of NY purchasers chose the new 3.5% inflation option and 40% chose the new 2/4/50 plan design. The Third Amendment also adds consumer disclosures relating to reciprocity, where a Partnership insured may access Medicaid Extended Coverage in another reciprocal state. The NYS Department of Health maintains a map of reciprocal states which can be found on their website at: http://www.nyspltc.org/reciprocitymap.htm. The amended regulations require that, in order to be approved under the Partnership, LTC insurance policies must contain, as minimums, the following benefits: ï‚· A lifetime maximum nursing home benefit of at least 1½ or 2 years providing coverage of all levels of care in a nursing home of at least $284 per day for 2015, and increasing by at least 3.5% (with an insured option to choose 5%) compounded annually (known as the 1.5/3/50 and 2/4/50 plans respectively).

If the policy is purchased at age 80 or older, the 3.5% or 5% compound annual increase is optional. The insured must be allowed to 7 . substitute home care benefits on the basis of two home care days for one nursing home day. Home care coverage must be provided in an amount that is 50% of the minimum required nursing home care benefit ($142 per day in 2015) and is payable when services are provided in the insured’s home, in a group setting such as an adult day care center, or where human assistance is needed to aid the insured in necessary travel, such as to a physician’s office. The home care benefit must cover skilled nursing care, home health care, personal care and assisted living care. ï‚· A lifetime maximum of either 2 or 4 years, which can be expressed as an overall dollar amount by multiplying the daily benefit amount ($284 for 2015) times the total number of days (either 730 or 1,460 days) of benefits (known as the 2/2/100 and 4/4/100 plans respectively). The nursing home and home care daily benefit amounts must be at least $284 for 2015 and increasing by at least 3.5% (with an insured option to choose 5%) compounded annually. If the policy is purchased at age 80 or older, the 3.5% or 5% compound annual increase is optional. The nursing home benefit must provide coverage of all levels of care in a nursing home.

Coverage in an assisted living facility includes nursing care, maintenance or personal care, therapy services and room and board accommodations. The home care daily benefit amount is the same as the nursing home benefit rather than 50% of the nursing home benefit as described in the first option above. The home care benefit must provide coverage for services provided in the insured’s home, in a group setting such as an adult day care center, or where human assistance is needed to aid the insured in necessary travel, such as to a physician’s office. The home care benefit must cover skilled nursing care, home health care, personal care and assisted living care. All of these policies must also provide bed reservation benefits, respite care, hospice care, care management and alternate care.

Waiting periods for the 1½ or 2 year plans providing dollar for dollar asset protection cannot exceed 60 days, and waiting periods for the 2 or 4 year plans providing total asset protection cannot exceed 100 days. Certain other optional benefits are available depending on the plan chosen. Total asset protection is now available with Partnership policies providing 2 or 4 years of benefits. Upon exhaustion of the benefits in the 2 or 4 year total asset plan designs, the insured is able to apply for Medicaid and protect all of their assets.

Dollar for dollar Partnership policies that provide 1½ or 2 years of nursing home benefits provide dollar for dollar asset protection which means that for every dollar of benefits covered under those policies, a dollar of assets will be protected. For all Partnership plan designs, income must be contributed toward the cost of LTC services in accordance with Medicaid rules. The 1½, 2 and 4 year plans must all be written to qualify for favorable federal and NYS income tax treatment. The original 3 year plan may be written as qualifying for favorable federal and NYS income tax treatment, or it may be written as non-tax qualified (3 year plans issued before January 1, 1997 were issued before tax qualification standards existed, and thus they may be considered tax qualified if federal requirements are met). The DFS promulgated the Fourth Amendment to Insurance Regulation 144 (11 NYCRR 39) on October 23, 2013, updating the minimum daily benefit amounts for the five Partnership 8 .

insurance plan designs effective January 1, 2014 through December 31, 2023. For the first time, the minimum daily benefit amounts are inflated at the new lower 3.5% annual compound inflation rate. Inflating the minimum daily benefit amounts at the new lower 3.5% annual compound inflation rate makes the five Partnership insurance plan designs more affordable for New Yorkers. For any consumer who purchases a 5% option, the benefits will be increased at the 5% annual compound inflation rate. As of the end of the reporting period, 83% of the total market for long term care insurance is non-Partnership policies and 17% is Partnership policies. 9 .

State and Federal Legislation to Encourage the Development of Long Term Care Plans Tax Incentives In 1996, the federal government enacted the Health Insurance Portability and Accountability Act (HIPAA) which, in part, provided federal tax incentives for purchasing LTC insurance. Pursuant to the law, benefits received by a chronically ill individual under a "qualified" LTC insurance policy are excludable from income if the payments are based on actual expenses incurred. Generally, for 2015, benefits received under "qualified" policies that pay on an indemnity basis are excludable from income as long as the benefit payments do not exceed $340 per day and are not in excess of the actual expenses. These caps will be indexed for inflation. Payments in excess of the cap are excludable from income only to the extent of actual costs incurred for LTC services.

Amounts received in excess of the dollar cap for which no actual costs were incurred for LTC services are fully includable in income. Taxpayers who itemize should be aware that, under HIPAA, premiums for "qualified" LTC insurance policies up to the following specified dollar limits are treated as medical expenses for purposes of itemized deductions (medical expenses must be more than 7.5 or 10%, depending on the taxpayer’s age, of adjusted gross income to qualify for the deduction). The maximum amounts deductible in 2015 are below. In the case of an individual with an attained age before the close of the taxable year of: The annual limitation is: 40 or less 41 to 50 51 to 60 61 to 70 71 & Over $380 $710 $1,430 $3,800 $4,750 Under HIPAA, in order for a LTC insurance policy to qualify for the favorable tax treatment, the policy must meet the following requirements: ï‚· Provide only coverage of qualified LTC services; ï‚· Generally not pay or reimburse expenses incurred for services or items that would be reimbursed under Medicare, except where Medicare is a secondary payer, or where the contract makes per diem or other periodic payments without regard to expenses subject to federal interpretation of special rules in HIPAA; ï‚· Be guaranteed renewable; ï‚· Provide that refunds (other than refunds on the death of the insured or complete surrender or cancellation of the policy) and dividends under the policy must be used only to reduce future premiums or increase future benefits; and 10 . ï‚· Not provide for a cash surrender value or other money that can be paid, assigned, pledged or borrowed. HIPAA also provides that any policy issued before January 1, 1997, which meets the LTC insurance requirements of the state in which the policy was located at the time it was issued, will be treated as a "qualified" LTC insurance policy for federal tax purposes, and services provided under the policy will be treated as qualified LTC services. The "grandfather" status for policies issued before January 1, 1997 will continue so long as there is no "material change" in the policy on or after January 1, 1997 within the meaning of federal law. NYS has also encouraged the purchase of LTC insurance by enacting legislation that provides favorable state income tax treatment for those persons purchasing LTC policies that qualify for the federal income tax deduction. Under a 1997 state law, premiums paid for "qualified" LTC policies were deductible to the same extent as under the federal law. The deduction in NYS was taken from federal adjusted gross income.

This deduction, therefore, was available even to those taxpayers who did not itemize their deductions. Benefits received under federally "qualified" LTC policies were excluded from income on the same basis as under the federal law. In 2000, NYS repealed this tax deduction for LTC insurance premiums and instead provided for a tax credit equal to 10% of LTC insurance premiums for taxable years beginning January 1, 2002. Also, in 2002, NYS amended its Tax and Insurance Laws to permit NYS residents covered under a federally qualified out-of-state group LTC insurance contract to deduct or receive a tax credit equal to 10% of the premium paid on their state income tax returns.

Prior to this legislation, in order to deduct or receive the tax credit, a NYS resident’s premium payment had to be for the purchase of a LTC insurance policy approved by the Superintendent of Insurance in NYS. In 2004, legislation was passed increasing the tax credit for LTC insurance premiums from 10% to 20% for taxable years beginning in 2004. Thus, a NYS resident who pays $2,000 in premiums for a tax qualified LTC insurance policy in taxable year 2015 would receive a NYS income tax credit in the amount of $400 on his/her 2015 NYS income tax return. This tax credit translates into a direct dollar-for-dollar reduction of the amount of income tax owed to NYS. Continuing Care Retirement Communities (CCRCs) In an effort to promote the development of a broader and more integrated continuum of LTC, financed by a range of private, public and public/private options, NYS enacted laws in 1997 that redefined life care communities as a type of continuing care retirement community (CCRC).

These laws allow CCRCs the flexibility to offer more cost-conscious options of contracts beyond the lifetime guarantee for nursing facility care option. In addition to establishing a process for approval of CCRCs, the laws also provided for the following: ï‚· Streamlining the approval process for residential health care facility beds and licensed home care service agencies operated as part of a CCRC; ï‚· Establishing a comprehensive and flexible statutory and regulatory framework for an increased number of demonstration programs providing managed care for the elderly and chronically ill population who would not otherwise be served in a special needs plan or other managed care program; 11 . ï‚· Making the LTC security demonstration program permanent; and ï‚· Permitting accelerated payment of death benefits under a life insurance policy when the insured is chronically ill and requiring LTC services for the duration of his or her life. CCRCs in NYS offer three different types of life care contracts for their residents. Type A is all-inclusive, Type B provides modified services, and Type C requires fee for service: ï‚· Type A contracts provide housing, residential services, many amenities and unlimited, specific health-related services, including LTC services. If the resident’s health deteriorates to the point that they need LTC services or admission to the nursing home, all of the services covered under the contract are provided without an increase in the monthly fee (except for normal operating costs and inflation adjustments). The monthly fee also will not increase due to the amount of services the resident requires. ï‚· Type B contracts provide housing, residential services and many amenities.

This contract differs from the Type A contract in the amount of LTC services that will be provided before an adjustment is made in the amount of the monthly fee paid by the resident. For example, under this type of contract, the CCRC could allow residents a specified number of days in a nursing home without a change in the monthly fee. Once this limit is reached, the resident could be required to pay for continued nursing home services on a full per diem basis or a discounted per diem basis. ï‚· Type C contracts cover housing, residential services and amenities under the entrance fee and/or monthly fee in the same way as Type A and B contracts.

This contract differs from the other two types of contracts in that all other health related services, including nursing home care, are paid for by the resident as they are needed on a fee for service basis. Under this type of contract, the resident pays lower fees upon entry, but in turn accepts the risk of paying for the care needed. Chapter 523 of the Laws of 2011, signed into law on September 23, 2011, amended Article 46 of the Public Health Law to allow CCRCs authorized under Article 46 the flexibility to begin offering Type C contracts. This enhanced flexibility gives consumers more options and should increase Article 46 CCRC occupancy rates.

Previously, CCRCs authorized under Article 46 could offer Type A and Type B contracts but were not allowed to offer a Type C contract option. Type C contracts were only available from CCRCs organized under Article 46-A of the Public Health Law. Chapter 549 of the Laws of 2014 (later amended by Chapter 7 of the Laws of 2015, signed into law on March 13, 2015), amended Article 46 of the Public Health Law to allow CCRCs authorized under Article 46 the flexibility to offer continuing care at home as a contract option. A continuing care at home contract would allow a person to receive services in his or her private residence prior to moving onto the CCRC campus if necessary to receive higher levels of care. 12 .

As of the end of the reporting period, eleven CCRCs have received a Certificate of Authority from the Commissioner of Health and are operating under Article 46 of the Public Health Law: Name County Nassau Independent living units, enriched housing units, nursing home beds Erie Independent living units, enriched housing units, nursing home beds Orange Independent living units, enriched housing units, nursing home beds Suffolk Independent living units, enriched housing units, nursing home beds Westchester Independent living units, enriched housing units, nursing home beds Tompkins Independent living units, enriched housing units, nursing home beds Suffolk Independent living units, enriched housing units, nursing home beds Monroe 13 Independent living units, enriched housing units, nursing home beds Erie The Amsterdam at Harborside 300 East Overlook Port Washington, NY 11050 516-472-6610 www.theamsterdamatharborside.com Canterbury Woods 705 Renaissance Dr. Williamsville, New York 14221 716-929-5817 www.canterburywoods.org/home.html Fox Run at Orchard Park One Fox Run Lane Orchard Park, NY 14127 716-662-5001 www.foxrunorchardpark.com Glen Arden, Inc. 214 Harriman Drive Goshen, NY 10924 800-914-4051 www.glenardenny.com Jefferson’s Ferry 1 Jefferson Ferry Drive S. Setauket, NY 11720-9800 888-233-1330 www.jeffersonsferry.org Kendal on Hudson 1010 Kendal Way Sleepy Hollow, NY 10591 914-922-1000 www.kohud.kendal.org Kendal at Ithaca 2230 N. Triphammer Road Ithaca, NY 14850 800-253-6325 www.kai.kendal.org Peconic Landing at Southold, Inc. 1500 Brecknock Road Greenport, NY 11944 888-273-2664 www.peconiclanding.org Summit at Brighton 2000 Summit Circle Drive Rochester, NY 14618 585-442-4500 www.summitbrighton.org Living Facilities Independent living units, enriched housing units, nursing home beds . Name County Westchester 14 Independent living units, enriched housing units, nursing home beds Ulster Westchester Meadows 55 Grasslands Road Valhalla, New York 10595 914-989-7800 www.westchestermeadows.org Woodland Pond at New Paltz 100 Woodland Pond Circle New Paltz, NY 12561 877-505-9800 www.wpatnp.org Living Facilities Independent living units, enriched housing units, nursing home beds . Accelerated Death Benefits and Combination Life/LTC and Annuity/LTC Products In 2005, the Insurance Department promulgated an amendment to Insurance Regulation 143 (11 NYCRR 41) that allows insurers to offer consumers the option of accelerating the death benefit under a life insurance policy when the insured is chronically ill and may need additional financial resources to assist with meeting LTC needs and expenses. Access to existing resources such as the death benefit of a life insurance policy and the ability for insurers to provide for alternate ways to meet consumer’s increasing LTC needs have become critical. The standards set forth by the regulation provide proper disclosure to consumers and ensure the favorable federal tax treatment for payment of the benefits. A few insurers have also explored whether to add a LTC rider to pay additional LTC benefits after the accelerated death benefit rider has been exhausted.

These combination products provide more LTC benefits after the death benefit of the life insurance policy is exhausted. As of the end of the reporting period, two insurers have received approval for a joint life insurance policy with an accelerated death benefit rider and additional LTC insurance rider. Additionally, under the federal Pension Protection Act of 2006, the same favorable federal tax treatment granted to stand-alone LTC insurance was extended to combination annuity and LTC insurance products. The DFS has received a few inquiries from insurers expressing interest in offering a combination annuity/LTC insurance product.

As of the end of the reporting period, the DFS has approved one combination annuity/LTC insurance product. New York Public Employee and Retiree Long Term Care Insurance Plan (NYPERL) In 1998, NYS established the New York Public Employee and Retiree Long Term Care Insurance Plan (NYPERL). The NYPERL offers two tax-qualified benefit designs: the Partnership option, which after the exhaustion of either a two or three year nursing home benefit provides for coverage of LTC expenses under the State’s Medicaid program, and a nonPartnership option, which provides benefits based upon a three-year or five-year benefit period that is selected by the insured at the time of application. The NYPERL is a group LTC insurance policy administered by the NYS Department of Civil Service with coverage provided by MedAmerica Insurance Company of New York. Participation in the plan is at the option of the employee.

All State employees and retirees who are eligible or become eligible for participation in the New York State Health Insurance Plan are also eligible to participate in the NYPERL. Local governments and other public and quasi-public employers may participate in the NYPERL if the employer is eligible for the State’s health insurance program and the governing body elects to participate. Coverage remains in effect for employees who terminate employment while participating in the plan as long as they continue paying premiums.

The full cost of the plan, including coverage of eligible family members, is paid by the employee or insured person and can be deducted from the employee's salary. Employees who terminate employment while participating in the plan will have the option to continue the coverage or convert it to an individual policy. As of December 31, 2014, the NYPERL had 4,610 enrollees, of which 3,365 selected the non-Partnership policy and 1,245 selected the Partnership policy. 15 .

Authorized Long Term Care Insurers Insurers continue to offer a variety of benefit packages in connection with the four types of LTC coverage (see pages 5-6 above). The following chart identifies the insurers offering LTC type coverage to New Yorkers in 2015: Individual Group Insurer NP P Bankers Conseco Life Insurance Company * X Genworth Life Insurance Company of New York X X John Hancock Life & Health Insurance Company X Knights of Columbus X Massachusetts Mutual Life Insurance Company X X MedAmerica Insurance Company of New York X X Mutual of Omaha Insurance Company X New York Life Insurance Company X Northwestern Long Term Care Insurance Company X State Farm Mutual Automobile Insurance Company X Transamerica Financial Life Insurance Company X    * Bankers is the only company to offer non‐tax qualified coverage (Individual, NP)  P= Partnership coverage    NP = Non-partnership coverage    16 NP P X X X             . Factors Contributing to or Impeding the Development of Long Term Care Plans In response to a recent DFS questionnaire, insurers cited key issues directly affecting the development of, and enrollment in, LTC insurance coverage in NYS, including the issues below: ï‚· Consumer Awareness; ï‚· Experience and Pricing Data; ï‚· Underwriting and Policy Design; ï‚· Regulatory Environment; ï‚· Marketing Concerns; and ï‚· Cost of Coverage. Consumer Awareness LTC insurers continue to report consumers’ lack of awareness of the need for LTC insurance and the misperception that medical insurance, Medicare and/or Medicaid will cover these services. Another problem mentioned by insurers in the successful marketing of LTC insurance is that LTC is a subject that makes many people uncomfortable. People often refuse to believe they will need LTC and therefore refuse to plan for future LTC expenses. Educational efforts appear to be lessening this perception and a number of initiatives have been undertaken to increase consumer awareness and knowledge about LTC coverage. ï‚· Agent/Broker Training The Partnership takes a novel approach to educating agents and brokers on the Partnership to improve marketing and to disseminate information on the Partnership.

The Partnership conducts a mandatory training program for any agent or broker who wishes to become certified to sell a Partnership policy. This training program focuses primarily on the Medicaid program and its relationship to a Partnership policy and offers credits that may be applied to the continuing education credit requirements associated with agent licensure by the DFS. The training program is now completely online and agents and brokers must pass an online examination to become Partnership certified.

The extent to which the insurer representatives are better educated concerning the Partnership should stimulate more Partnership sales to persons who consider the purchase of a Partnership product. ï‚· Consumer Awareness Campaigns/Seminars Consumer campaigns and seminars have also raised awareness of the need to plan for LTC. Insurers highlighted their consumer seminars that agents, brokers and financial representatives host as a way of educating the public for the need for planning for LTC and LTC insurance. A few insurers have stressed that their informational seminars are the main marketing tool available to agents or brokers and are an efficient way to educate the public about the benefits of LTC insurance. MedAmerica Insurance Company of New York has noted that they are a sponsor of the “3 in 4 Need More” campaign which is designed to raise public awareness of the need to plan 17 .

for the risk of experiencing a LTC event. Information on this program can be found at www.3in4needmore.com. MassMutual created an “LTC @ Work” pilot program in 2010 to develop knowledge and identify the types of materials needed to support and offer LTC insurance in the workplace. The pilot resulted in the incorporation of LTC workplace best practices into compliance-approved producer support and consumer materials.

Other insurers reported utilizing their websites to provide consumer education material directly to the public. ï‚· Consumer Brochures/Materials A great deal of information is available to consumers about LTC insurance plans. The DFS’s website offers information on LTC insurance, including a sample premium rate calculator with Partnership and non-Partnership options. The DFS also periodically updates the consumer guide entitled, “A Consumer’s Guide to Long Term Care Insurance,” which, among other things provides information on benefits and features available in the NYS market.

The Partnership publishes a “Consumer Booklet – Affordable Financing for Long-Term Care.” The Partnership booklet provides information on planning for LTC expenses, the Partnership, how to choose a LTC policy, and a worksheet for comparing LTC policies. The Partnership also issues a consumer brochure entitled “Medicaid Eligibility and the Treatment of Income and Assets under the New York State Partnership for Long Term Care.” These publications are updated periodically and are available from the NYS Department of Health. Publications are also issued by entities other than state government that highlight the differences between Medicare, Medicaid and LTC insurance. A publication developed jointly by the National Association of Insurance Commissioners (NAIC) and the Centers for Medicare and Medicaid of the U.S.

Department of Health and Human Services entitled, “Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare,” contains information indicating that Medigap policies do not cover LTC. The NAIC also has available “A Shopper’s Guide to Long-Term Care Insurance,” which provides advice on whether or not a consumer should buy LTC insurance, as well as worksheets to assist consumers in obtaining information about the availability and cost of LTC services, advice about how to compare LTC insurance policies, and facts consumers should have available concerning any LTC policy they purchase. These guides are updated annually and available on the NAIC website at www.naic.org. Genworth published a report in 2013 entitled “Beyond Dollars 2013”.

This report documents the effects of long term care on jobs, careers, savings, and family relationships. John Hancock continues to offer a series of 3rd party reprint articles that help prospective LTC insureds learn about the need for LTC through various media outlets. John Hancock also has its own LTC campaign, “LTC Matters”, which provides producers with talking points that helps them get the conversation started with prospective insureds. The campaign covers the need, cost, common myths and facts, and why LTC insurance remains a practical approach to a potential financial risk. ï‚· Consumer Awareness of Tax Benefits of Long Term Care Insurance Both federal and NYS laws provide for favorable tax treatment for the purchase of qualified LTC insurance policies.

Insurers have indicated that the NYS tax credit has a larger impact on promoting LTC insurance purchases than the more limited favorable federal tax deduction. Insurers also believe that publicity generated by the enactment of federal and state laws providing for favorable tax treatment for qualified LTC policies has helped focus the 18 . public’s attention on LTC issues. Insurers in general feel that the favorable tax treatment sends a positive message to consumers. Many insurers have informed the DFS that the federal tax incentives are so limited as to have no effect on sales. Still, a few insurers indicated that they focus their marketing efforts surrounding federal tax deductions to small business owners since the benefits for them are more significant as the coverage offered by a small business owner to employees may be fully tax deductible. For individuals, the federal deduction allows LTC insurance premiums to be deducted if the insured’s medical expenses exceed 7.5% or 10%, depending on the taxpayer’s age, of their adjusted gross income.

If a “top line” deduction were allowed, it would provide an incentive for many more people to purchase LTC coverage. Insurers believe that pre-tax deductibility for LTC premiums and the inclusion of group LTC insurance in Cafeteria Plans (Section 125 of the Internal Revenue Code) would have a major impact on encouraging sales of LTC insurance. Most insurers also indicated to the DFS that the NYS tax credit is an important incentive to the sale of LTC coverage. Some companies use the tax incentives in their marketing materials, with brochures highlighting the NYS tax credit and favorable federal tax treatment. Several insurers educate their agents about the NYS tax credit, who in turn provide the information to consumers during marketing or sale.

However, some insurers feel that the NYS tax credit, while providing a positive message on purchasing LTC, has had little impact on their sales because they have been unable to isolate the effectiveness of such incentives on sales. But overall, insurers view the NYS income tax credit as a useful tool in the marketing of LTC insurance. ï‚· Consumer Awareness of Medicaid Estate Planning Insurers believe that to some extent, Medicaid estate planning is an impediment to the development of LTC insurance in NYS. Generally, assets of a Medicaid applicant and his/her spouse (if married) are considered for Medicaid eligibility purposes.

Medicaid estate planning involves the transferring or sheltering of those assets in order to access Medicaid for coverage of the consumer’s LTC needs. This transferring or sheltering of a consumer’s assets allows a consumer to meet the asset test for Medicaid eligibility and receive LTC services without having to “spend down” their assets prior to becoming Medicaid eligible. Many consumers see the use of Medicaid estate planning as a viable alternative to purchasing LTC insurance for their LTC needs. ï‚· Marketing in New York Compared to Other States A number of insurers reported to the DFS that NYS consumers are more informed about the need for such coverage than are consumers in other states.

Insurers also reported that marketing of LTC insurance in NYS was easier than in other states due to NYS’s relatively concentrated number of agents doing business in NYS compared to other states. Experience and Pricing Data Since LTC policies have been sold for about 29 years in NYS, the need for data has become less critical. Experience data is now credible and extensive. As insurers have been able to obtain more data, they have revised their LTC policies to make the benefits more comprehensive and offer a greater number of optional benefits to policyholders. 19 .

Most, if not all, insurers now also have credible data related to pricing of LTC coverage. Many insurers underestimated morbidity (need for benefits), mortality (lifespan) and overestimated lapse rates when initially pricing LTC coverage when the product was first brought to market. As such, most LTC coverage was grossly underpriced when it was first sold. Today, LTC insurers can price LTC coverage more accurately as a result of the more credible data. Underwriting and Policy Design Underwriting controls in the writing of LTC policies and policy design are important issues. Individual LTC policies are medically underwritten through the use of medical questionnaires or assessments at the time of application. For group LTC policies that are offered to employees as well as parents, grandparents and retirees, many insurers conduct minimal underwriting for active employees, with more detailed underwriting for others.

Some insurers will accept newly hired employees without evidence of insurability provided that they are actively at work on their effective date and they enroll within ninety days of hire. Under the NYPERL, the LTC plan for NYS employees and their families, LTC coverage is offered under a 60-day open enrollment period without proof of medical eligibility for employees. Most insurers do not impose pre-existing condition limitations in LTC policies, although some impose such limitations for conditions not disclosed on the application itself. The most common provisions used in determining eligibility for benefits in LTC policies which are not tax qualified are: medical necessity; the inability to perform a specified number of activities of daily living; or a cognitive impairment.

For tax-qualified policies, insurers must adhere to the requirements under HIPAA for benefit eligibility triggers (namely, that the individual is chronically ill as defined by HIPAA). The vast majority of policies now being sold in NYS are policies that pay up to a fixed sum for each day of nursing home confinement and a portion of the fixed reimbursement for other LTC services. However, many insurers also offer innovative benefits in their LTC products. For instance: ï‚· Bankers Conseco Life Insurance Company allows applicants to choose from a variety of optional benefit riders, such as Lifetime Inflation Protection, Survivor Maximum Benefit Increase Rider, Paid-up Survivorship Benefit Rider, Return of Premium, and Limited Premium Payment Rider.

It also offers policies that automatically include a Guaranteed Purchase Option if the insured does not elect either simple or compound inflation protection at time of application; ï‚· Genworth Life Insurance Company of New York has products in NYS that provide some level of international home care, a small cash benefit, the choice of service or calendar days for the elimination period and a caregiver support training program that is available to policyholders and their families; ï‚· MassMutual offers a number of competitive features including: flexible policy design that optimizes customization, share care benefit, third-party ownership, Alternative Plan of Care coverage, and care coordination, either self-directed or assisted; ï‚· John Hancock introduced the Custom Care III policy design featuring its Benefit Builder. Benefit Builder is a built-in feature that is designed to provide insureds with benefit 20 . growth gradually over time, when the investment returns earned on John Hancock’s general account portfolio supporting this feature exceed 3%. This feature combines with a guaranteed purchase option to provide comprehensive coverage and flexible features with more affordable premiums; ï‚· Multiple insurers allow applicants to choose from a variety of optional benefit riders, such as Lifetime Inflation Protection, Survivor Maximum Benefit Increase Rider, Paid-up Survivorship Benefit Rider, Return of Premium, and Limited Premium Payment Rider. They also provide policies that automatically include a Guaranteed Purchase Option if the insured does not elect either simple or compound inflation protection at time of application; ï‚· Multiple insurers also offer several less expensive inflation options, shared care and benefits to help keep insureds at home such as a home care waiver of elimination period; and ï‚· Several insurers offer a survivorship benefit that allows the insureds’ policies to be “paid up” if a spouse dies, regardless of whether both husband and wife paid premiums for a certain amount of years or either were in claim status at one point in time. Regulatory Environment The DFS continues to make every effort to encourage the development of LTC coverage through priority review of LTC policies submitted for approval. In order to assist insurers in submitting LTC products to the DFS for approval and in order to expedite the approval of the policies, the DFS has developed product outlines and checklists for individual tax qualified, nonPartnership LTC insurance policies and tax qualified nursing home and home care, nursing home only, and home care only insurance policies. The DFS has worked with the NYS Office for the Aging and the NYS Department of Health in implementing the Partnership and has established a toll-free number (1-888-NYS­ PLTC) within the DFS for inquiries on the program. As discussed elsewhere in this report, the DFS has worked with the NYS Department of Health to modernize the benefits under the Partnership in order to make them more marketable in the current environment, and the agencies continue to work closely together to jointly develop and implement changes to the Partnership. Marketing Concerns Insurers find the sale of long term care policies to be a challenge.

Many insurers cite a general lack of knowledge by consumers about LTC insurance, perceived affordability issues, confusion about what Medicare/Medicaid covers and the widespread perceived lack of need as factors impeding the development of enrollment. With the economic downturn that started in September 2008, the economy has, in insurers’ estimation, impeded the sale of LTC insurance. 21 . Recommendations and Anticipated Actions to be Taken By the DFS In order to continue to encourage insurance companies to offer, and consumers to purchase, LTC insurance, the DFS offers the following recommendations: ï‚· The DFS, the NYS Department of Health, and the NYS Office for the Aging should continue efforts to encourage the purchase of LTC policies qualifying under the Partnership; and ï‚· NYS should increase its efforts to educate the public that New York’s tax credit for LTC premiums provides a substantial benefit to New Yorkers. Essentially, the state will support New Yorkers’ efforts to plan for the future by paying 20% of the bill for their LTC insurance premiums. This credit is available to anyone paying premiums, including children who pay for coverage on behalf of their parents. ï‚· The federal government should be encouraged to:  allow an above-the-line deduction or tax credit for LTC premiums; and;  allow LTC insurance to qualify as part of a Cafeteria Plan under Section 125 of the Internal Revenue Code to allow before-tax deduction for premiums. ï‚· The LTC insurance industry should be encouraged to:  emphasize the marketing and sale of basic LTC type coverage that would be affordable for more middle-class New Yorkers; and  offer innovative LTC products designed to keep premiums affordable while still providing meaningful LTC benefits for middle-class New Yorkers. Further, the DFS will: ï‚· Continue to review the minimum standards for the form, content and sale of LTC insurance and amend them as necessary to incentivize the sale of meaningful LTC insurance to as many New Yorkers as possible; ï‚· Continue to encourage the submission of innovative LTC product designs which keep premiums affordable and provide meaningful LTC benefits to as many New Yorkers as possible; ï‚· Periodically update the Department's “A Consumer Guide to Long Term Care Insurance in New York”; ï‚· Continue to work with the NYS Department of Health and the NYS Office for the Aging in publicizing and answering questions from the public on the Partnership; ï‚· Continue to provide information and assistance to senior citizens concerning LTC insurance and other coverage available to the elderly, such as Medicare supplement insurance; and ï‚· Continue to provide guidance to the industry with regard to the marketing of LTC insurance. 22 . APPENDIX 1 Total In-Force Long Term Care Policies With Market Share As of December 31, 2014 Insurer Non-Partnership Partnership Total Insureds % of Market Aetna Life Insurance Company Allianz Life Insurance Company of New York American Family Life Assurance Company of New York (AFLAC) American Independent Network Insurance Company of New York 4,271 1,046 191 1,273 0 0 2 0 4,271 1,046 193 1,273 1.02% 0.25% 0.05% 0.30% American Progressive Life and Health Insurance Company of New York 1,452 82 1,534 0.37% Athene Life Insurance Company of New York Bankers Conseco Life Insurance Company Berkshire Life Insurance Company of America CIGNA Life (prev. Conn. General) Combined Life Insurance Company of New York Continental Casualty Company First United American Life Insurance Company First Unum Life Insurance Company Genworth Life Insurance Company of New York Hartford Life Insurance Company John Hancock Life Ins. Co.

(U.S.A.) John Hancock Life & Health Insurance Company Knights of Columbus Massachusetts Mutual Life Insurance Company MedAmerica Insurance Company of New York MetLife Insurance Company Metropolitan Life Insurance Company Mutual of Omaha Insurance Company New York Life Insurance Company Northwestern Long Term Care Insurance Company Prudential Insurance Company of America RiverSource Life Insurance Co. of New York (prev. IDS) State Farm Mutual Automobile Insurance Company TIAA-Cref and TIAA of America Life Insurance Company 126 3,043 3,079 128 94 20,121 42 40,466 60,521 7 12,781 37,620 1,098 5,616 15,846 17,716 50,150 5,061 9,982 10,414 29,363 6,277 1,730 1,291 323 966 0 0 0 5,737 0 0 25,036 0 100 17,564 0 281 7,976 5,354 6,355 82 190 0 121 0 0 45 449 4,009 3,079 128 94 25,858 42 40,466 85,557 7 12,881 55,184 1,098 5,897 23,822 23,070 56,505 5,143 10,172 10,414 29,484 6,277 1,730 1,336 0.11% 0.96% 0.74% 0.03% 0.02% 6.18% 0.01% 9.68% 20.46% 0.00% 3.08% 13.20% 0.26% 1.41% 5.70% 5.52% 13.51% 1.23% 2.43% 2.49% 7.05% 1.50% 0.41% 0.32% 23 .

Insurer Non-Partnership Partnership Total Insureds % of Market Thrivent Financial for Lutherans Transamerica Financial Life Insurance Company Union Security Life Insurance Company of New York (prev. First Fortis) United States Life Insurance Company in the City of New York 284 1,880 2,825 395 0 20 1,691 0 284 1,900 4,516 395 0.07% 0.45% 1.08% 0.09% VOYA Retirement Insurance and Annuity Company (prev. ING) 97 0 97 0.02% GRAND TOTALS 346,286 71,925 418,211 100.00% All data provided has been self-reported by the insurers and has not been verified by DFS. See the chart on page 16 for a listing of insurers offering LTC type coverage to New Yorkers. 24 . APPENDIX 2 Number of Non-Partnership Long Term Care Policies In-Force in New York as of December 31, 2014 Type of Coverage (Individual or Group) Policy Insurer Aetna Life Insurance Company Allianz Life Insurance Company of New York American Family Life Assurance Company of New York (AFLAC) American Independent Network Insurance Company of New York American Progressive Form Number GR-700 TOTALS 10-PS-Q-NY Date of NYS DFS Approval 12/14/1994 10/3/2005 TOTALS NY-20000 NY-21000 NY-22000 NY-27000 TOTALS PF2600NY ALP1(NY) ALP2(NY) ALP1(NY)-TQ ALP2(NY)-TQ IL4-1(NY) IL4-2(NY) IL4-1-TQ(NY) IL4-2-TQ(NY) LTCTP6500NY-AI PF3(NY) PF3-TQ(NY) SR2-1-AI(NY) SR2-2-AI(NY) TOTALS ANH-86 HHC-800 I 0 X 1 3/15/1991 1/21/1992 1/21/1992 9/16/2002 10/28/1998 10/12/1999 10/12/1999 10/21/1999 10/21/1999 2/15/2000 2/15/2000 2/25/2000 2/25/2000 10/4/2000 7/19/2005 7/19/2005 6/12/2008 6/12/2008 6/8/1995 3/1/1995 X X X X 4 X X X X X X X X X X X X X X 14 X X G Number of Insured Persons Issued Coverage (by Age Group at Time of Purchase) Number of Existing Policies Under 45 45-54 55-64 65-74 75 and Over Number of Insured Persons Issued Coverage from 1/1/13 through 12/31/13 Number of Insured Persons Issued Coverage from 1/1/14 through 12/31/14 Total Number of Insured Persons X 1 55 55 1,046 1,770 1,770 16 1,269 1,269 135 989 989 558 235 235 274 8 8 63 0 0 0 0 0 0 4271 4,271 1,046 0 1,046 16 135 558 274 63 0 0 1,046 2 30 17 113 162 398 31 7 32 15 419 19 139 17 120 2 67 3 4 1,273 12 222 0 0 0 28 28 3 0 0 0 0 2 1 0 0 1 0 1 0 0 8 0 0 0 3 0 69 72 61 1 2 3 3 24 3 5 3 17 0 9 1 1 133 1 4 1 9 1 44 55 161 10 2 12 6 97 5 33 2 41 2 40 0 2 413 3 54 1 16 13 1 31 161 16 3 15 5 208 8 63 6 55 0 16 1 1 558 7 127 0 2 3 0 5 12 4 0 2 1 88 2 38 6 6 0 1 1 0 161 1 37 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2 30 17 142 191 398 31 7 32 15 419 19 139 17 120 2 67 3 4 1,273 12 222 0 0 25 . Type of Coverage (Individual or Group) Policy Insurer Life and Health Insurance Company of New York Athene Life Insurance Company of New York Bankers Conseco Life Insurance Company Berkshire Life Form Number NHHH-700 NHO-700 CERT-HHC CERT-NHHH CERT-NHO QC-HHC QI-HHC QI-NHHH QI-NHO HHC 1/98 APRLTNQ (3/99) NY APRLTCQ (3/99) NY PR-NHO PR-NHOQ TOTALS NY-5762-P NY-5762-P(Q) TOTALS ATIC-LTC-10-NY ATIC-LTC-6-NY ATIC-LTC-6B-NY ATIC-FQ-LTC-NY BLNY-GR-N520 BLNY-GR-N540 BLNY-GR-N550 BLNY-GR-N500 BLNY-GR-N620 BLNY-GR-N640 BLNT-GR-N650 TOTALS BGO1P(06/04)-NY Date of NYS DFS Approval 7/1/1996 7/1/1996 7/1/1997 7/1/1997 7/1/1997 7/1/1997 7/1/1997 7/1/1997 7/1/1997 1/1/1998 6/30/1999 6/30/1999 10/1/2000 10/1/2000 2/27/1995 2/27/1995 10/8/1996 1/13/1997 5/31/1997 3/4/1998 4/28/2006 4/28/2006 4/28/2008 9/12/2007 5/18/2011 5/18/2011 5/18/2011 3/30/2004 I X X X X X X X X X X X X X X 16 X X 2 X X X X X X X X X X X 11 X G 0 0 0 Number of Insured Persons Issued Coverage (by Age Group at Time of Purchase) Number of Existing Policies 48 25 21 3 3 13 134 29 29 682 44 90 31 66 1,452 106 20 126 17 273 86 991 22 1 166 790 26 8 133 2,513 1,118 26 Under 45 45-54 55-64 65-74 75 and Over 0 0 0 0 0 0 0 0 0 1 2 9 0 0 12 5 1 6 0 3 0 8 0 0 12 1 0 0 17 41 179 6 0 0 1 0 0 3 3 0 17 6 18 0 12 71 27 9 36 1 23 6 202 1 0 24 21 2 0 26 306 725 23 7 3 1 2 2 31 8 8 106 19 21 15 34 337 49 7 56 6 148 43 508 10 1 77 251 12 0 39 1,095 747 15 15 12 0 0 10 78 16 19 391 14 39 15 17 775 24 3 27 10 150 49 489 16 0 89 515 10 7 47 1,382 124 4 3 6 1 1 1 22 2 2 167 3 3 1 3 257 1 0 1 1 10 0 73 3 0 6 119 2 1 4 219 6 Number of Insured Persons Issued Coverage from 1/1/13 through 12/31/13 Number of Insured Persons Issued Coverage from 1/1/14 through 12/31/14 Total Number of Insured Persons 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 129 11 4 70 214 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 83 11 0 46 140 0 48 25 21 3 3 13 134 29 29 682 44 90 31 66 1,452 106 20 126 18 334 98 1,280 30 1 208 907 26 8 133 3,043 1,781 . Type of Coverage (Individual or Group) Policy Insurer Insurance Company of America CIGNA Life Ins Co of NY (prev. Ct Gen) Combined Life Ins Co of NY Continental Casualty Company (CNA) Form Number BGO2P(06/04)-NY BGO3P(06/04)-NY BGO5P(06/04)-NY BGO6P(06/04)-NY BGO1P(01/09)-NY BGO3P(01/09)-NY BGO4P(01/09)-NY BGO5P(01/09)-NY TOTALS TL-001445 TOTALS 44515 TOTALS P1-59806-A31 P1-15203-A31 P1-16356-A31 P1-18876-A31 P1-18878-A31 P1-21295-A31 P1-21300-A31 P1-21305-A31 P1-N0022-A31 P1-N0023-A31 P1-N0026-A31 P1-N0027-A31 P1-N0030-A31 P1-N0034-A31 P1-N0075-A31 P1-N0080-A31 P1-N0081-A31 P1-N0085-A31 Date of NYS DFS Approval 3/30/2004 3/30/2004 3/30/2004 3/30/2004 4/15/2010 4/15/2010 4/15/2010 4/15/2010 I X X X X X X X X 9 4/20/1990 9/8/1998 11/23/1988 12/13/1991 12/13/1991 5/4/1995 5/4/1995 5/19/1995 5/19/1995 5/19/1995 2/28/1997 2/28/1997 2/28/1997 2/28/1997 2/28/1997 2/11/1997 5/27/1999 5/27/1999 5/27/1999 5/27/1999 0 X 1 X X X X X X X X X X X X X X X X X X G 0 X 1 0 Number of Insured Persons Issued Coverage (by Age Group at Time of Purchase) Number of Existing Policies 6 348 43 1 345 62 2 5 1,930 1 1 94 94 225 782 41 157 4 319 667 9 844 1 1,945 10 22 70 2 11 1 89 27 Under 45 45-54 55-64 65-74 75 and Over 0 136 43 1 51 28 2 1 441 0 0 5 5 0 7 0 3 0 6 18 1 8 0 37 1 0 1 0 2 0 2 1 193 21 0 164 31 0 4 1,139 22 22 17 17 51 219 20 30 1 50 156 0 118 0 387 5 5 5 0 0 0 13 6 222 14 0 275 30 0 3 1,297 54 54 45 45 122 371 21 64 2 159 329 5 396 0 974 3 9 36 1 5 1 43 0 25 3 0 36 3 0 0 191 51 51 22 22 52 181 0 55 1 94 158 3 285 1 511 1 7 23 1 4 0 28 0 1 0 0 4 0 0 0 11 1 1 5 5 0 4 0 5 0 10 6 0 37 0 36 0 1 5 0 0 0 3 Number of Insured Persons Issued Coverage from 1/1/13 through 12/31/13 Number of Insured Persons Issued Coverage from 1/1/14 through 12/31/14 Total Number of Insured Persons 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 7 577 81 1 530 92 2 8 3,079 128 128 94 94 225 782 41 157 4 319 667 9 844 1 1,945 10 22 70 2 11 1 89 . Type of Coverage (Individual or Group) Policy Insurer First United American Life Insurance Company First Unum Life Insurance Company Genworth Life Insurance Company of New York Form Number P1-N0086-A31 P1-N0090-A31 P1-N0091-A31 P1-N0095-A31 P1-N0100-A31 P1-N0101-A31 SR-LTCP-31 GLTC-3-P-NY-01 TOTALS NYNH2 NYNH3 TOTALS LTC5092 LTC5292 LTC5492 LTC5592 NH94 NH94FQ NH94Q LTCP03 LTCP03F LTCT03 LTCT03F RLTCP03 RLTCP03F B.LTC GLTC04 TOTALS 50100 50000 50107 Date of NYS DFS Approval 5/27/1999 5/27/1999 5/27/1999 5/27/1999 5/27/1999 5/27/1999 9/16/1992 3/5/2003 1/31/1989 1/31/1989 1/29/1993 1/29/1993 1/29/1993 1/29/1993 12/30/1994 10/23/1997 10/23/1997 10/21/2003 10/21/2003 10/21/2003 10/21/2003 10/21/2003 10/21/2003 8/2/1990 2/28/2005 1/31/1996 1/31/1996 1/31/1996 I G X X X X X X 24 X X 2 X X X X X X X X X X X X X 13 X X X X X 2 0 X X 2 Number of Insured Persons Issued Coverage (by Age Group at Time of Purchase) Number of Existing Policies 1 27 1 452 3,736 6 48 6 9,476 5 37 42 2 4 2 12 935 2,916 15,105 510 306 88 109 516 136 112 230 20,983 647 46 1,312 28 Under 45 45-54 55-64 65-74 75 and Over 0 0 0 2 108 0 2,791 511 3,498 0 0 0 0 2 0 5 43 553 762 29 117 18 37 11 18 6,236 3,999 11,830 0 0 14 0 3 0 78 1,028 3 3,205 895 6,272 1 2 3 0 2 2 0 215 1,051 4,219 139 107 33 36 157 62 3,120 2,682 11,825 48 2 148 0 12 1 232 1,917 3 1,924 870 7,500 3 17 20 2 0 0 4 421 1,006 7,332 268 72 27 28 284 47 1,648 1,626 12,765 370 29 588 1 12 0 110 640 0 343 132 2,643 1 17 18 0 0 0 3 234 268 2,491 66 10 8 8 57 8 197 277 3,627 224 15 531 0 0 0 30 43 0 21 7 208 0 1 1 0 0 0 0 22 38 301 8 0 2 0 7 1 15 25 419 5 0 31 Number of Insured Persons Issued Coverage from 1/1/13 through 12/31/13 Number of Insured Persons Issued Coverage from 1/1/14 through 12/31/14 Total Number of Insured Persons 0 0 0 0 0 0 962 215 1,177 0 0 0 0 0 0 0 0 0 0 3 0 0 1 0 0 595 577 1,176 0 0 0 0 0 0 0 0 0 114 757 871 0 0 0 0 0 0 0 0 0 0 4 0 0 0 0 0 676 722 1,402 0 0 0 1 27 1 452 3,736 6 8,284 2,415 20,121 5 37 42 2 4 2 12 935 2,916 15,105 510 306 88 109 516 136 11,216 8,609 40,466 647 46 1,312 . Type of Coverage (Individual or Group) Policy Insurer Hartford Life Insurance Company John Hancock Life Insurance Company (USA) Form Number 51000 50110 51002 51005 51006 51007 51010 51012 51014 7048NY 51012-REV 51014-REV 51009 7046 POL-NY 7050 POL-NY 7052NY 7053 POL-NY TOTALS SRP-1353 TOTALS BSC-03 NY LTC-02 NY LTC-03 NY LTC-06 NY LTC-88A NY LTC-88B NY LTC-90-NY LTC-94 NY LTC-96 NY 5/01 LTC-96 NY 9/96 LTC-NY-91 Date of NYS DFS Approval 1/31/1996 1/31/1996 1/31/1996 11/25/1998 12/15/1998 9/28/1998 2/12/2001 9/9/2004 9/9/2004 5/25/2007 9/21/2007 9/21/2007 7/12/199 12/6/2006 5/21/2009 10/6/2011 3/13/2012 I X X X X X X X X X X X X X X X X 16 1/28/1999 11/14/2003 4/19/2002 11/14/2003 7/10/2006 4/15/1988 4/15/1988 9/7/1990 2/24/1994 7/5/2001 1/16/1997 12/31/1991 G 0 X X X X X X X X X X X X 3 X 1 Number of Insured Persons Issued Coverage (by Age Group at Time of Purchase) Number of Existing Policies 124 476 3,605 9,313 340 101 17,539 2,909 5,085 16 2,909 5,085 1 7 34 4,551 6 54,106 7 7 3 61 72 2 1 6 1 11 8 67 6 29 Under 45 45-54 55-64 65-74 75 and Over 2 2 17 102 0 0 457 61 175 0 61 175 1,796 237 99 164 125 3,487 0 0 1 4 3 0 0 0 1 0 1 1 0 3 45 252 1,252 17 10 4,566 586 1,378 0 586 1,378 958 268 112 1,153 312 13,074 0 0 0 11 16 1 0 0 0 2 0 9 1 47 190 1,414 4,616 104 43 8,859 1,518 2,859 12 1,518 2,859 793 224 126 2,417 345 28,931 5 5 2 28 33 1 1 4 0 3 4 36 4 60 219 1,667 2,889 156 34 3,124 660 640 4 660 640 763 58 29 789 58 13,220 2 2 0 15 19 0 0 2 0 3 2 19 1 12 20 255 454 63 14 533 84 33 0 84 33 154 1 4 28 1 1,809 0 0 0 3 1 0 0 0 0 3 1 2 0 Number of Insured Persons Issued Coverage from 1/1/13 through 12/31/13 Number of Insured Persons Issued Coverage from 1/1/14 through 12/31/14 Total Number of Insured Persons 0 0 0 0 0 0 0 0 0 0 0 0 13 76 91 1,953 739 2,872 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 68 17 1,101 98 1,284 0 0 0 0 0 0 0 0 0 0 0 0 0 124 476 3,605 9,313 340 101 17,539 2,909 5,085 16 2,909 5,085 4,464 788 370 4,551 841 60,521 7 7 3 61 72 2 1 6 1 11 8 67 6 . Type of Coverage (Individual or Group) Policy Insurer John Hancock Life & Health Insurance Company Form Number NH-NY-91 SG-02 NY SG-03 NY SG-06 NY SGB-02 NY SGB-03 NY GCB-COV-0001 GPB-COV-002 GPB-COV0002.01 GPB-CRT-0001.16 P-FACE(2002-2) P-FACE(2004) TOTALS BSC-02 NY BSC-03 NY LTC-02 NY LTC-03 NY LTC-06 NY LTC-11 NY LTC-87A LTC-88A NY LTC-88B NY LTC-90-NY LTC-94 NY LTC-96 NY 5/01 LTC-96 NY 9/96 LTC-96CL NY 9/96 LTC-NY-91 NH-94 NY NH-NY-91 SG-02 NY Date of NYS DFS Approval 12/31/1991 4/19/2002 11/14/2003 7/10/2006 4/19/2002 11/14/2003 10/19/1989 7/30/1990 6/28/1996 12/24/1996 10/17/2002 2/15/2006 4/19/2002 11/14/2003 4/19/2002 11/14/2003 7/10/2006 7/15/2011 7/30/1987 4/15/1988 4/15/1988 9/7/1990 2/24/1994 7/5/2001 1/16/1997 1/16/1997 12/31/1991 2/24/1994 12/31/1991 4/19/2002 I G X X X X X X 17 X X X X X X X X X X X X X X X X X X X X X X X X 6 Number of Insured Persons Issued Coverage (by Age Group at Time of Purchase) Number of Existing Policies 1 16 19 5 1 1 1 1 28 1 48 18 378 381 335 6,597 8,669 451 967 33 15 636 140 2,192 719 10,061 9 989 24 9 2,435 30 Under 45 45-54 55-64 65-74 75 and Over 0 1 0 1 0 0 135 1,146 1,290 52 963 291 3,890 4 5 194 105 25 30 5 0 34 16 38 19 129 0 24 1 0 88 0 6 7 0 0 0 230 1,306 1,380 32 1,336 271 4,608 46 51 1,558 1,886 137 101 4 2 162 37 412 91 1,265 0 182 3 0 531 1 9 4 2 0 0 245 784 869 11 1,299 200 3,540 198 180 3,433 4,608 224 570 17 7 346 64 996 337 4,670 5 478 9 5 1,310 0 0 5 2 1 0 93 129 174 1 238 13 717 107 81 1,268 1,866 60 245 7 6 94 23 701 238 3,615 4 295 8 4 457 0 0 3 0 0 1 1 1 6 0 4 0 26 26 18 144 204 5 21 0 0 0 0 45 34 382 0 10 3 0 49 Number of Insured Persons Issued Coverage from 1/1/13 through 12/31/13 Number of Insured Persons Issued Coverage from 1/1/14 through 12/31/14 Total Number of Insured Persons 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 567 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 545 0 0 0 0 0 0 0 0 0 0 0 0 1 16 19 5 1 1 704 3,366 3,719 96 3,840 775 12,781 381 335 6,597 8,669 451 967 33 15 636 140 2,192 719 10,061 9 989 24 9 2,435 . Type of Coverage (Individual or Group) Policy Insurer Knights of Columbus Massachusetts Mutual Life Insurance Company Form Number SG-03 NY SG-06 NY SGB-02 NY SGB-03 NY P-FACE(2009) TOTALS LTC01-NY 6-99 NHC01-NY 6-99 TOTALS MM-200-P-NY MM-201-P-NY MM-203-P-NY MM-204-P-NY MM-300-P-NY MM-301-P-NY MM-303-P-NY MM-304-P-NY MM-400-P-NY MM-401-P-NY MM-402-P-NY MM-403-P-NY MM500-P-NY MM501-P-NY MM502-P-NY MM503-P-NY MM504-P-NY MM-500-P-1-NY MM-501-P-1-NY MM-502-P-1-NY MM-503-P-1-NY MM-504-P-1-NY Date of NYS DFS Approval 11/14/2003 7/10/2006 4/19/2002 11/14/2003 10/21/2008 10/18/2000 10/18/2000 7/28/2002 7/28/2002 7/28/2002 7/28/2002 3/13/2003 3/13/2003 3/13/2003 3/13/2003 4/8/2005 4/8/2005 4/8/2005 4/8/2005 3/19/2008 3/19/2008 3/19/2008 3/19/2008 3/19/2008 1/30/2012 1/30/2012 1/30/2012 1/30/2012 1/30/2012 I G X X X X 22 X X 2 X X X X X X X X X X X X X X X X X X X X X X X 1 0 Number of Insured Persons Issued Coverage (by Age Group at Time of Purchase) Number of Existing Policies 1,981 270 88 166 8 37,175 916 182 1,098 368 4 117 1 609 6 313 1 385 2 211 1 1,280 12 939 4 9 293 5 71 1 2 31 Under 45 45-54 55-64 65-74 75 and Over 90 22 3 1 148 981 67 11 78 9 0 22 0 65 0 88 1 23 1 43 0 66 1 63 3 4 14 1 11 0 1 458 70 7 29 147 7,179 252 42 294 144 2 74 0 321 1 214 0 187 1 140 0 343 2 140 0 2 86 0 24 0 1 1,005 140 54 78 140 18,874 437 93 530 298 3 81 1 449 3 176 0 316 2 161 1 677 8 158 1 3 144 3 35 1 0 392 36 18 45 18 9,588 155 35 190 84 1 15 0 69 1 24 0 50 0 14 0 182 1 31 0 0 48 1 1 0 0 36 2 6 13 0 998 5 1 6 6 0 0 0 4 1 4 0 3 0 0 0 12 0 1 0 0 1 0 0 0 0 Number of Insured Persons Issued Coverage from 1/1/13 through 12/31/13 Number of Insured Persons Issued Coverage from 1/1/14 through 12/31/14 Total Number of Insured Persons 0 0 0 0 0 567 69 21 90 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 70 2 28 0 0 0 0 0 0 0 545 96 12 108 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1,981 270 88 166 453 37,620 916 182 1,098 541 6 192 1 908 6 506 1 579 4 358 1 1,280 12 393 4 9 293 5 71 1 2 . Type of Coverage (Individual or Group) Policy Insurer MedAmerica Insurance Company of New York Form Number MM-500-P-2-NY MM-501-P-2-NY MM-502-P-2-NY MM-503-P-2-NY MM-504-P-2-NY TOTALS LT-1-3 LTC89-CD1 LTC89-CD2 LTC89-CD3 LTC91-CD4-NY (1991) LTC-CD6-NY LTC-LBP-NY LTC-CD8-NY LTC-LBP8-NY LTC-CD8TQ-NY LTC-LBP8TQ-NY LTC-CD10-NY LTC-CD6TQ-NY LTC-LBP10-NY LTQ11-336-NY-998 HTQ11-338-NY-998 NTQ11-337-NY-998 PRT11-336-NY-998 SPL-336-NY-et al SPL2-336-NY-et al FC-336-NY-et al TRL-336-NY LTC89-CD1 LTC89-CD2 LTC89-CD3 Date of NYS DFS Approval 10/22/2012 10/22/2012 10/22/2012 10/22/2012 10/22/2012 10/1/1987 4/18/1987 1/1/1989 4/18/1989 7/1/1991 3/30/1993 9/23/1994 7/31/1995 7/31/1995 1/29/1997 1/29/1997 4/15/1997 6/24/1997 4/15/1997 3/22/2000 3/23/2000 3/23/2000 2/20/2001 2/24/2002 3/14/2007 5/1/2012 11/2/2012 4/18/1987 1/1/1989 4/18/1989 I X X X X X 27 X X X X X X X X X X X X X X X X X X X X X X G 0 X X X Number of Insured Persons Issued Coverage (by Age Group at Time of Purchase) Number of Existing Policies 371 2 67 1 2 5,077 2 27 73 6 1,118 9 377 179 133 102 39 1,044 26 111 1,039 458 54 85 2,854 2,906 329 13 2 13 2 32 Under 45 45-54 55-64 65-74 75 and Over 19 0 13 0 0 448 0 0 14 0 15 0 4 2 0 3 0 34 0 1 83 1 0 5 412 398 46 0 0 105 0 105 1 21 0 2 1,811 0 1 15 0 88 0 37 14 5 7 2 153 1 1 240 24 1 9 956 980 79 1 1 117 0 190 0 25 1 0 2,737 1 22 30 5 580 3 152 81 49 62 13 436 10 19 455 152 10 35 1,160 1,181 148 6 19 101 2 56 1 7 0 0 586 1 4 14 1 419 6 176 68 69 27 23 367 14 71 219 211 28 32 305 320 49 6 2 24 1 1 0 1 0 0 34 0 0 0 0 16 0 8 14 10 3 1 54 1 19 42 70 15 4 21 27 7 0 0 2 0 Number of Insured Persons Issued Coverage from 1/1/13 through 12/31/13 Number of Insured Persons Issued Coverage from 1/1/14 through 12/31/14 Total Number of Insured Persons 169 1 28 0 0 298 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 843 47 9 0 0 0 229 2 46 1 3 281 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 138 274 4 0 0 0 371 2 67 1 2 5,616 2 27 73 6 1,118 9 377 179 133 102 39 1,044 26 111 1,039 458 54 85 2,854 2,906 329 13 22 349 3 . Type of Coverage (Individual or Group) Policy Insurer MetLife Insurance Company Metropolitan Life Insurance Company Form Number GRP11-342-NY-999 NYG11-342-NY-200 NYP11-342-NY-200 GRPSPL-342-NY NYG11-342-NY-0612 TOTALS LCT1 LCT2 LCT4 TOTALS G.LTC197 G.LTC2097 G.LTC6997 GLTC5098 GPNP99-LTC LTC2007-NY LTC-FAC-NY LTC-IDEAL-NY LTC-PREM-NY LTC-VAL-NY LTC2-FAC-NY LTC2-IDEAL-NY LTC2-PREM-NY LTC2-VAL-NY LTC2007-ML-NY LTC-FAC-ML-NY LTC-IDEAL-ML-NY LTC-PREM-ML-NY LTC-VAL-ML-NY LTC2-FAC-ML-NY LTC2-IDEAL-ML-NY Date of NYS DFS Approval I 3/24/2000 6/1/2001 6/1/2001 6/23/2005 11/28/2012 5/6/1989 3/18/1991 12/30/1997 11/8/2002 11/8/2002 2/27/2003 10/5/1998 1/1/2001 3/3/2009 8/9/2002 11/25/2002 8/28/2002 8/9/2002 7/20/2005 7/20/2005 7/20/2005 7/20/2005 6/5/2009 11/25/2002 11/25/2002 11/25/2002 11/25/2002 9/6/2005 9/6/2005 22 X X X 3 X X X X X X X X X X X X X X X X G X X X X X 8 0 X X X X X Number of Insured Persons Issued Coverage (by Age Group at Time of Purchase) Number of Existing Policies 30 1 1 4 1 11,038 11 12,116 5,589 17,716 7 1 1 1 15 465 43 2938 267 1809 19 1434 259 1927 99 3 370 36 397 7 756 33 Under 45 45-54 55-64 65-74 75 and Over 324 586 3 96 23 2,155 0 171 97 268 407 14 0 0 563 21 1 43 9 21 0 19 4 25 2 1 5 0 9 0 16 351 1,300 10 80 25 4,498 2 1,670 965 2,637 1307 125 0 0 2024 55 1 133 30 71 2 81 14 117 12 0 25 3 31 3 46 199 1,152 8 44 23 6,158 7 5,377 2,804 8,188 3322 430 0 0 5225 150 13 755 86 411 4 389 75 533 39 0 114 14 98 2 246 23 214 3 5 5 2,707 2 4,579 1,583 6,164 5404 559 0 1 5650 179 26 1505 91 916 11 710 122 950 33 1 166 10 203 1 363 1 12 1 0 0 328 0 319 140 459 4864 244 0 2 2675 60 2 502 51 390 2 235 44 302 13 1 60 9 56 1 85 Number of Insured Persons Issued Coverage from 1/1/13 through 12/31/13 Number of Insured Persons Issued Coverage from 1/1/14 through 12/31/14 Total Number of Insured Persons 0 78 0 1 0 978 0 0 0 0 0 0 0 0 2 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 1 0 4 76 497 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 898 3,264 25 225 76 15,846 11 12,116 5,589 17,716 15304 1372 0 3 16137 465 43 2938 267 1809 19 1434 259 1927 99 3 370 36 397 7 756 . Type of Coverage (Individual or Group) Policy Insurer Mutual of Omaha Insurance Company New York Life Insurance Company Form Number LTC2-PREM-ML-NY LTC2-VAL-ML-NY 1LTC-97-NY (00) 2LTC-97-NY (00) LTC.02 LTC.03 TCL-LTC.04 (NY) TOTAL LTC04 HCA HCAQ LT50 LTA LTAQ LTC12 LTC17 LTI12 LTM12 NH11 NH27 NH28 NH3 NH50 NHA NHAQ LTC09 TOTALS 21084(NY) 21073(NY) G-6601 G-9065 Date of NYS DFS Approval 9/6/2005 9/6/2005 5/25/1999 5/25/1999 12/23/1991 3/31/1999 3/21/2000 1/27/2005 6/22/2000 6/22/2000 5/12/1998 6/22/2000 6/22/2000 4/28/1993 4/28/1993 4/28/1993 4/28/1993 1/28/1988 2/3/1989 2/3/1989 12/10/1984 4/17/1998 6/22/2000 6/22/2000 2/1/2010 5/15/1995 5/15/1995 6/14/1996 12/16/1998 I X X X X X X X 23 X X X X X X X X X X X X X X X X X X 18 X X G 5 0 X X Number of Insured Persons Issued Coverage (by Age Group at Time of Purchase) Number of Existing Policies 154 1065 2111 45 636 1227 1267 17,359 488 25 72 224 21 173 89 42 1 8 11 31 14 2 13 53 293 3,501 5,061 6 55 3 57 34 Under 45 45-54 55-64 65-74 75 and Over 3 42 1 0 0 1 0 1,207 10 1 2 11 1 8 1 5 0 1 0 6 1 0 0 2 10 95 154 0 0 2 4 13 86 14 1 0 0 7 4,201 100 6 9 42 4 55 9 10 0 2 2 6 2 0 1 11 81 621 961 0 2 0 14 50 321 248 1 14 17 69 12,626 270 6 24 87 10 87 47 22 1 3 8 9 6 0 6 24 147 2,077 2,834 4 33 0 19 72 491 922 9 69 228 438 19,130 100 10 31 75 6 21 32 5 0 2 0 10 5 2 6 15 46 659 1,025 2 15 1 20 16 125 926 34 553 981 753 12,986 8 2 6 9 0 2 0 0 0 0 1 0 0 0 0 1 9 49 87 0 5 0 0 Number of Insured Persons Issued Coverage from 1/1/13 through 12/31/13 Number of Insured Persons Issued Coverage from 1/1/14 through 12/31/14 Total Number of Insured Persons 0 2 0 0 0 0 0 5 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 529 529 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 669 669 0 0 0 0 154 1065 2111 45 636 1227 1267 50,150 488 25 72 224 21 173 89 42 1 8 11 31 14 2 13 53 293 3,501 5,061 6 55 3 57 . Type of Coverage (Individual or Group) Policy Insurer Form Number Date of NYS DFS Approval I G Number of Insured Persons Issued Coverage (by Age Group at Time of Purchase) Number of Existing Policies Number of Insured Persons Issued Coverage from 1/1/13 through 12/31/13 Number of Insured Persons Issued Coverage from 1/1/14 through 12/31/14 Total Number of Insured Persons Under 45 45-54 55-64 65-74 75 and Over 464 1 5 873 1 302 1,652 273 1,136 3 16 1,889 1 386 3,447 985 1,047 9 17 2,088 2 351 3,570 1,176 472 7 8 612 1 64 1,202 297 42 3 1 50 1 9 111 26 0 0 0 286 0 59 345 0 0 0 2 369 3 82 456 0 3,161 23 47 5,512 6 1,112 9,982 2,757 ILTC-4300(NY)(0197) INH-4300(NY)(0197) INH-5000(NY)(1001) ILTC-5000(NY)(1001) FNH-5000(NY)(0503) FLTC-5000(NY)(0503) TOTALS RS. LTC.(1101) Prudential Insurance Company of America 10/29/2001 X 3,161 23 47 5,512 6 1,112 9,982 2,757 RS.LTC.ML.(1101) Northwestern Long Term Care Insurance Company 2/11/1998 2/11/1998 12/20/2002 12/20/2002 5/18/2004 5/18/2004 8/22/2002 X 425 114 120 155 34 2 0 0 425 RS.LTC.(0708) 6/16/2008 X 1,414 165 493 593 154 9 0 0 1,414 RS.LTC.ML.(0708) 6/16/2008 X 217 71 57 68 20 1 0 0 217 TT.LTC.(1010) TT.LTC.ML.(1010) TOTALS 83500 LTCR 8002, et al (AICPA GLTC-1) 83500 GR1045 et al (GLTC2) 83500 LTCR 200, LTC U 2001 83500 COV 1004 83500 COV 1004 83500 BFW 5005, et al (GLTC-3/3.5) 83500 COV 5022, et al (GLTC-4) GRP 99210 (ILTC-1 SIMPLE) GRP 99211 (ILTC-1 COMPOUND) GRP 99212 (ILTC-1 PERIODIC) 6/16/2010 6/16/2010 X X 6 4,795 806 10,414 784 343 1,750 1,710 251 3,616 1,857 177 4,026 425 35 965 19 0 57 1,093 153 1,246 934 123 1,057 4,795 806 10,414 1 1,377 446 170 30 3 0 0 2,026 18 477 510 272 34 3 3 0 1,296 48 3,750 4,789 3,940 728 38 178 3 13,245 18 1,085 1,798 1,471 228 9 484 6 4,591 600 30 126 275 160 9 0 0 600 1,242 172 492 485 93 0 0 0 1,242 516 20 89 207 172 28 0 0 516 X X X X X X 8 6/30/1993 2 0 X 6/30/1998 X 10/4/1995 7/6/1999 12/1/2000 5/29/2002 X 10/28/2008 6/10/1999 6/10/1999 6/10/1999 X X X X 35 . Type of Coverage (Individual or Group) Policy Insurer River Source Life Insurance Company of New York (prev. IDS) State Farm Mutual Automobile Insurance Company TIAA-Cref Life Insurance Company and Teachers Insurance Annuity Association of America Thrivent Financial for Lutherans (prev. Aid Association for Lutherans) Transamerica Financial Life Form Number GRP 112552 (ILTC-2) GRP 112622 (ILTC-2 Franchise) GRP 113141 (ILTC-3) GRP 113772 (ILTC-3 Franchise) GRP 114201 (Evolution) GRP 114202 (EvolutionFranchise) TOTALS 38240 38240C 38225 38260A TOTALS 97045NY.1 97045NY.2 97058NY 97059NY TOTALS LTC.02 LTC.03 (NY) TCL-LTC.04 (NY) Date of NYS DFS Approval 9/3/2003 9/3/2003 10/18/2006 8/16/2007 10/2/2009 10/27/2009 10/20/1989 12/31/1991 8/31/1994 11/10/1999 1/1/1998 5/8/2001 12/31/2001 9/21/2005 12/23/1991 3/31/1999 3/21/2000 TOTALS 12106 NY 12105 NY 12/28/1998 12/28/1998 7/27/2000 3/30/2001 0 0 65-74 75 and Over 91 459 671 255 30 0 0 1,506 26 73 167 61 1 0 0 328 143 662 1,105 421 36 0 0 2,367 167 374 772 233 22 0 0 1,568 7 19 23 4 0 0 0 53 6 4 9 6 0 0 0 25 8,290 353 460 3,152 2,312 6,277 595 89 479 567 1,730 261 534 496 7,351 0 0 66 57 123 108 17 120 98 343 1 0 0 9,841 35 35 868 695 1,633 167 28 118 172 485 2 0 7 9,567 229 287 1,628 1,100 3,244 228 34 188 233 683 0 12 29 2,425 87 133 559 420 1,199 85 10 49 61 205 25 109 171 179 2 5 31 40 78 7 0 4 3 14 233 413 289 665 0 0 0 0 0 0 0 0 103 103 0 0 0 9 0 0 0 0 0 0 0 0 0 0 0 0 0 29,363 353 460 3,152 2,312 6,277 595 89 479 567 1,730 261 534 496 1,291 1 9 41 305 935 0 0 1,291 41 243 0 55-64 25 0 45-54 53 4 Under 45 1,568 X X X X Total Number of Insured Persons 2,367 X X 2 Number of Insured Persons Issued Coverage from 1/1/14 through 12/31/14 328 X X X 9 X X X X 4 X X X X 4 X X X Number of Existing Policies Number of Insured Persons Issued Coverage from 1/1/13 through 12/31/13 1,506 G X 3 TOTALS NLTCP TQ LTC FR (NY) 297 P-0001 (NY) 4/98 I Number of Insured Persons Issued Coverage (by Age Group at Time of Purchase) 1 5 2 69 20 109 18 58 0 2 0 0 0 0 41 243 284 6 71 129 76 2 0 0 284 24 41 0 0 4 7 15 28 4 4 1 2 0 0 0 0 24 41 36 . Type of Coverage (Individual or Group) Policy Insurer Insurance Company Union Security Life Insurance Company (prev. First Fortis) The United States Life Insurance Company In The City Of New York Form Number GCPLUS 2 1290 (NY) TFL 1-FP (NY) 402 TFL 2-P NYF 0410 TFL 2-P NY 0410 LTC 304-198-NY TOTALS 4062-NY 4063-NY Date of NYS DFS Approval 6/28/1996 5/20/2004 11/7/2011 11/7/2011 3/30/2001 10/8/1998 10/8/1998 TOTALS X X X X X 7 X X 2 G 0 0 Number of Existing Policies Number of Insured Persons Issued Coverage from 1/1/13 through 12/31/13 Number of Insured Persons Issued Coverage from 1/1/14 through 12/31/14 Total Number of Insured Persons Under 45 45-54 55-64 65-74 75 and Over 2 243 645 869 56 1,880 158 2,667 0 16 60 57 2 135 1 20 1 61 172 216 12 473 21 444 1 119 296 447 30 936 65 1,499 0 45 115 144 10 322 53 659 0 2 2 5 2 14 18 45 0 0 421 599 0 1,020 0 0 0 0 119 83 0 202 0 0 2 243 645 869 56 1,880 158 2,667 2,825 21 465 1,564 712 63 0 0 2,825 64391-NY Non-TQ 7/14/1998 X 203 5 30 94 61 13 0 0 203 64391-NYTQ 7/14/1998 X 192 2 17 119 45 9 0 0 192 0 10/19/1987 5/2/1986 2 X X 395 71 26 7 0 0 47 11 0 213 53 16 106 7 10 22 0 0 0 0 0 0 0 0 395 71 26 2 0 97 0 11 69 17 0 0 0 97 7,522 346,286 TOTALS VOYA Retirement Insurance and Annuity Company I Number of Insured Persons Issued Coverage (by Age Group at Time of Purchase) NCF NHP NON-PARTNERSHIP TOTALS 296 36 231,633 41,712 All data provided has been self-reported by the insurers and has not been verified by DFS. See the chart on page 16 for a listing of insurers offering LTC type coverage to New Yorkers. 37 80,661 133,649 70,697 19,567 11,285 . APPENDIX 3 Number of Partnership Long Term Care Policies In-Force in New York as of December 31, 2014 Type of Coverage (Individual or Group) Policy Insurer Form Number American Family Life Assurance of New York American Progressive Life and Health Insurance Company of NY Athene Life Insurance Company of New York Bankers Conseco Life Insurance Company (prev. Conseco) Continental Casualty Company (CNA) Genworth Life Insurance Company of New York John Hancock NY-23000 12/2/1994 TOTALS APRLTCP (11/99) NY 11/1/1999 TOTALS N-2500-P N-2500-P(Q) TOTALS ATIC-RWJ-NY 2/18/1994 2/18/1994 10/7/1996 TOTALS P1-18584-A31 P1-18585-A31 P1-N0041-A31 P1-N0042-A31 SR-LTCP-31 TOTALS 50109 51001 51011 51013 51015 51015REV 7052NYP 8000NYP TOTALS LTC-96RWJ2 NY 4/99 X X 2 55-64 65-74 75 and Over 2 1 1 0 0 0 0 0 2 2 1 1 0 0 0 0 0 2 82 0 8 22 44 8 0 0 82 0 82 0 8 22 44 8 0 0 82 0 255 68 323 8 4 12 56 19 75 127 31 158 59 13 72 5 1 6 0 0 0 0 0 0 255 68 323 731 5 72 566 299 24 0 0 966 731 5 72 566 299 24 0 0 966 3/23/1993 3/23/1993 7/29/1997 7/29/1997 1/1/1994 1,458 59 3,700 30 4 5,251 460 1234 6395 3889 1218 7895 2980 965 25,036 7 15 0 61 0 87 163 1 1 147 93 23 109 67 22 463 159 13 557 1 219 949 27 91 1660 1027 223 1339 635 143 5,145 670 30 1,802 20 144 2,666 206 548 3672 2315 776 4920 1806 559 14,802 2 579 16 1,163 9 38 1,805 216 526 856 437 190 1491 461 236 4,413 4 35 0 117 0 2 154 10 68 60 17 6 36 11 5 213 1 0 0 0 0 0 0 0 0 0 0 0 0 1242 0 1,242 0 0 0 0 0 0 0 0 0 0 0 0 0 371 965 1,336 0 1,458 59 3,700 30 490 5,737 460 1,234 6,395 3,889 1,218 7,895 2,980 965 25,036 7 1/1/1996 1/30/1996 8/31/2001 9/9/2004 12/15/2005 9/26/2007 10/5/2011 10/3/2013 7/5/2001 G 0 X 1 0 X X X X 4 X X X X X X X X 8 X Total Number of Insured Persons 45-54 X 1 Number of Insured Persons Issued Coverage from 1/1/14 through 12/31/14 Under 45 X 1 Number of Insured Persons Issued Coverage from 1/1/13 through 12/31/13 Number of Existing Policies Date of NYS DFS Approval I Number of Insured Persons Issued Coverage (by Age Group at Time of Purchase) X 1 0 38 . Type of Coverage (Individual or Group) Policy Insurer Form Number Date of NYS DFS Approval I Life Insurance Company (U.S.A.) John Hancock Life & Health Insurance Company Massachusetts Mutual Life Insurance Company MedAmerica Insurance Company of New York LTC-96RWJ2 NY 9/97 LTC-NY-91-RWJ, LTC-NY-91RWJ 3/95 NYP-05 TOTALS LTC-11 NYP LTC-96RWJ2 NY 4/99 LTC-96RWJ2 NY 9/97 LTC-NY-91-RWJ, LTC-NY-91RWJ 3/95 NYP-05 TOTALS MM-202-P-NYP MM-205-P-NYP MM-302-P-NYP MM-305-P-NYP MM-506-P-NYP MM-507-P-NYP MM-508-P-NYP MM-510-P-NYP MM-506-P-1-NYP MM-507-P-1-NYP MM-508-P-1-NYP MM-510-P-1-NYP MM-506-P-2-NYP MM-507-P-2-NYP MM-508-P-2-NYP MM-510-P-2-NYP TOTALS LTC-CD6-NY LTC-CD6TQ-NY PRT11-336-NY-998 G Number of Insured Persons Issued Coverage (by Age Group at Time of Purchase) Number of Existing Policies Under 45 45-54 55-64 65-74 75 and Over Number of Insured Persons Issued Coverage from 1/1/13 through 12/31/13 Number of Insured Persons Issued Coverage from 1/1/14 through 12/31/14 Total Number of Insured Persons 3/20/1998 X 57 1 7 34 11 4 0 0 57 3/25/1993 X 8 0 1 4 3 0 0 0 8 2/9/2006 28 100 50 594 8980 0 1 1 3 54 7 15 17 57 4 22 0 5 8/18/2011 7/5/2001 3/20/1998 X 4 X X X 6  20  22  1  63 1090 324 4874 183 2632 21 330 0 0 31 0 0 0 0 18 0 0 28 100 50 594 8,980 3/25/1993 X 1189 8 84 530 543 24 0 0 1,189 2/9/2006 X 5 X X X X X X X X X X X X X X X X 16 X X X 6751 17,564 40 4 5 0 129 4 39 3 4 0 6 0 19 1 2 2 258 644 1188 2502 103  1256  4236  1094  62  169 1 0 0 0 3 0 1 0 0 0 0 0 0 0 0 0 5 10 6 88 2,499 17 2 1 0 27 0 8 3 2 0 3 0 6 0 0 2 71 43 111 458 9,984 29 3 6 0 79 2 29 0 2 0 3 0 10 0 1 0 164 310 586 1209 4,474 10 2 0 0 18 2 0 0 0 0 0 0 3 1 1 0 37 264 460 643 438 1 0 0 0 2 0 1 0 0 0 0 0 0 0 0 0 4 17 25 104 0 31 0 0 0 0 0 0 0 0 0 0 2 0 10 1 1 2 16 0 0 0 0 18 0 0 0 0 0 0 0 0 0 0 0 0 10 0 1 0 11 0 0 0 6,751 17,564 58 7 7 0 129 4 39 3 4 0 6 0 19 1 2 2 281 644 1,188 2,502 7/28/2002 7/28/2002 3/13/2003 3/13/2003 1/21/2009 1/21/2009 1/21/2009 1/21/2009 2/3/2012 2/3/2012 2/3/2012 2/3/2012 11/30/2012 11/30/2012 11/30/2012 11/30/2012 3/30/1993 6/24/1997 2/20/2001 0 0 0 39 . Type of Coverage (Individual or Group) Policy Insurer Form Number Date of NYS DFS Approval I MetLife Insurance Company Metropolitan Life Insurance Company Mutual of Omaha Insurance Company New York Life Insurance Company PRT11-336-NY-305 PRT11-336-NY-0612 NYP11-342-NY-0612 PGR11-342-NY-900 NYP11-342-NY-200 TOTALS LC3 LC4 TOTALS G.LTC197 LTC-VAL-NYP LTC2-DD100-NYP LTC2-DD50-NYP LTC2-TD100-NYP LTC2-TD50-NYP LTC-VAL-ML-NYP LTC2-DD100-NYP LTC2-DD50-ML-NYP LTC2-TD100-ML-NYP LTC2-TD50-ML-NYP 1LTC-97 NYP 1LTC-97-NY (00) RWJ.01 TOTALS LTC20 LTC23 LTM20 TOTALS 21050RWJ 21050 50TAP (0105) 21050 100TAP (0105) 21050 50DDAP (0105) 9/1/2006 2/6/2013 11/28/2012 3/13/2001 6/1/2001 3/1/1997 3/9/1997 11/8/2002 12/16/2002 10/31/2005 10/31/2005 10/31/2005 10/31/2005 2/6/2003 10/31/2005 9/6/2005 9/6/2005 9/6/2005 8/31/2001 5/24/1999 2/25/1994 10/26/1993 10/26/1993 10/26/1993 5/15/1995 3/20/2006 3/20/2006 3/20/2006 G X X 5 X X 2 X X X X X X X X X X X X X 13 X X X 3 X X X X X X X 3 0 X 1 0 Number of Insured Persons Issued Coverage (by Age Group at Time of Purchase) Number of Existing Policies Under 45 45-54 55-64 65-74 75 and Over 1661 724 1 3 1 6,724 3,516 1,838 5,354 1 1848 35 46 913 1577 395 5 16 354 366 130 14 131 5,831 75 2 5 82 37 90 58 4 72 26 3 1 143 349 14 15 29 1 6 0 1 3 7 3 0 2 2 1 0 0 0 26 3 0 0 3 1 4 12 0 427 120 8 4 453 1,624 283 248 531 6 48 0 2 39 41 23 0 0 28 11 1 0 0 199 13 0 2 15 9 27 25 0 789 424 11 7 478 3,814 1,662 1,014 2,676 46 324 5 10 259 441 103 0 4 104 95 11 3 1 1,406 34 1 2 37 21 35 18 2 334 147 4 0 131 1,983 1,475 537 2,012 196 1141 27 19 497 881 206 5 7 169 188 65 9 3 3,413 25 1 1 27 6 22 3 1 39 7 0 0 14 206 82 24 106 276 329 3 14 115 207 60 0 3 51 71 53 2 127 1,311 0 0 0 0 0 2 0 1 40 Number of Insured Persons Issued Coverage from 1/1/13 through 12/31/13 Number of Insured Persons Issued Coverage from 1/1/14 through 12/31/14 Total Number of Insured Persons 354 221 1 0 34 610 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 7 0 0 0 503 25 0 0 528 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 1,661 724 26 12 1,219 7,976 3,516 1,838 5,354 525 1,848 35 46 913 1,577 395 5 16 354 366 130 14 131 6,355 75 2 5 82 37 90 58 4 . Type of Coverage (Individual or Group) Policy Insurer Form Number Date of NYS DFS Approval Number of Insured Persons Issued Coverage (by Age Group at Time of Purchase) Number of Existing Policies Under 45 45-54 55-64 65-74 75 and Over Number of Insured Persons Issued Coverage from 1/1/13 through 12/31/13 Number of Insured Persons Issued Coverage from 1/1/14 through 12/31/14 Total Number of Insured Persons I Prudential Insurance Company of America TIAA-Cref Life Insurance Company* and Teachers Insurance Annuity Association of America Transamerica Financial Life Insurance Company Union Security Life Insurance Company (prev. First Fortis) 21050 100DDAP (0105) TOTALS 83500 PLTC 9001 83500 LTCR 8003 GRP 99865 TOTALS RWJ.01 3/20/2006 11/27/2001 2/25/1994 TOTALS PARTNERSHIP TOTALS 0 1 190 0 17 1 62 0 76 0 32 0 3 0 7 0 1 1 190 X 1 1 0 2 1 0 0 0 4 1 117 118 1 2 22 22 67 69 24 25 3 3 0 0 0 0 117 121 45 0 0 1 5 39 0 0 45 45 0 0 1 5 39 0 0 45 20 0 7 8 4 1 0 0 20 20 0 7 8 4 1 0 0 20 1,691 14 178 922 520 57 0 0 1,691 178 922 520 57 0 0 1,691 11,473 37,428 1,894 71,925 X 1 X 1 3/11/2002 TOTALS 4051-NY X 5 11/14/1995 TOTALS LTC 304-198-NYP G X 1 9/24/1998 0 0 X 1 0 1,691 14 74 6 69,402 1,259 All data provided has been self-reported by the insurers and has not been verified by DFS. See the chart on page 16 for a listing of insurers offering LTC type coverage to New Yorkers. 41 19,187 2,578 1,906 . APPENDIX 4 Number of Partnership AND Non-Partnership Long Term Care Policies In-Force in New York as of December 31, 2014 Type of Coverage (Check One) Individual NON-PARTNERSHIP TOTALS PARTNERSHIP TOTALS PARTNERSHIP AND NON-PARTNERSHIP TOTALS Group 296 74 370 36 6 42 Number of Existing Policies 231,633 69,402 301,035 Number of Insured Persons Issued Coverage (by Age Group at Time of Purchase) Under 45 45-54 55-64 65-74 75 and Over 41,712 1,259 42,971 80,661 11,473 92,134 133,649 37,428 171,077 70,697 19,187 89,884 19,567 2,578 22,145 All data provided has been self-reported by the insurers and has not been verified by DFS. See the chart on page 16 for a listing of insurers offering LTC type coverage to New Yorkers. 42 Number of Insured Persons Issued Coverage from 1/1/13 through 12/31/13 Number of Insured Persons Issued Coverage from 1/1/14 through 12/31/14 Total Number of Insured Persons 11,285 1,906 13,191 7,522 1,894 9,416 346,286 71,925 418,211 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .