For Consumers

Penn Treaty liquidation

On March 1, 2017, the Pennsylvania Commonwealth Court approved petitions to liquidate Penn Treaty Network America Insurance Company and its subsidiary American Network Insurance Company due to financial difficulties that could not be resolved through rehabilitation.

The two companies provide coverage to 76,000 policyholders nationwide. More than 98% of the policies are for long-term care insurance. In Washington state, the two companies provide coverage to 2,800 people for long-term care insurance.

In our state, the Washington Life & Disability Insurance Guaranty Association ( has assumed responsibility for these policies. This includes continuing coverage and paying eligible claims, subject to guaranty association coverage limits and the terms and conditions of the coverage.

What should I do with my Penn Treaty policy?

If I keep my Penn Treaty policy, will it still be good if I need to file a claim in a few years?

Will my premiums change?

The guaranty association requested a premium increase, which was approved by our office and was similar to long-term care insurance rate increase requests filed by other long-term care insurers. Over the next year, the guaranty association will send a letter to all policyholders to inform them of their options.

Where do I send my premium payment now?

The payment process remains the same. At this time, there are no changes to bank drafts or mailed payments to Penn Treaty.

Who should I contact with questions?

Policyholder Services - for questions about policies, claims or related to the liquidation: