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Nationwide YourLife CareMattersSM Long-term Care Coverage

A complete financial plan includes coverage for life’s unknowns, including the possibility of needing long-term care. If you’re looking for long-term care protection, CareMatters may be a good fit.

What is Nationwide YourLife CareMatters?


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It’s long-term care coverage linked to a fixed-premium universal life insurance policy that includes a death benefit. Watch our video to learn more about how it works.

While you’re there, watch our other videos to learn about how CareMatters pays benefits and some common misconceptions about long-term care.

One of Nationwide's Solutions for Long-term Care

When we designed CareMatters, we designed it with choice, control and flexibility to meet your unique needs.

Premiums that won’t increase

Stand-alone LTC insurance premiums may increase as you age. With CareMatters, your premium is guaranteed never to increase. You can pay your premium in a lump sum or over the course of several years (usually up to 5 or 10).

No “use it or lose it” risk

If you have stand-alone LTC coverage and don’t end up needing long-term care, your money may go to waste. With CareMatters, you’ll have the option to recover your premiums paid if you wish or leave a legacy to your heirs with the death benefit.

Flexible coverage options

Some LTC policies only cover services specifically listed in the plan and may not allow a family member to be paid for providing care. With CareMatters, your policy will cover care services that exist today as well as certified services that will evolve tomorrow. In addition, you may choose to pay a friend or loved one to provide your home health care.

Talk to your life insurance professional to find out if CareMatters may be right for you.

This policy has exclusions, limitations, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call your producer or Nationwide. You can reach Nationwide at 1-866-207-9160.