©UFS Pennsylvania Long-Term Care Public Hearing March 10, 2016

2 MetLife has taken a balanced approach to managing its inforce Long-Term Care Insurance business. MetLife has carefully considered appropriate stakeholders (insureds, regulators, group customers and producers) when taking necessary rate action. MetLife has been effective in working with state regulators including Pennsylvania to bring transparency and balance as well as offering flexibility with regard to implementation. MetLife continues to offer flexibility to insureds by offering them the right to reduce their benefits to offset the premium increase. MetLife is also offering a no cost nonforfeiture option to those insureds who choose to lapse their coverage as a result of the rate increase. The benefit will provide limited paid-up benefits for eligible insureds who cancel their policies. MetLife will continue to be as transparent as possible in policyholder communications so that insureds can make educated decisions regarding their coverage. MetLife will continue to evaluate its LTC blocks and seek rate adjustments as needed. MetLife’s Approach To LTC Rate Changes

3 Written complaints related to LTC Rate Increases remain well below 1% nationally. Lapse rates related to rate increases remain low (about 2%). About 15% of insureds choose to adjust their coverage to fully or partially offset the increase. Insureds continue to see the value in Long-Term Care Coverage. MetLife has paid approximately $3.1 billion in claims since entering the LTC market, including over $400M in Insured Reaction to LTC Rate Changes