Seated woman smiling at someone offscreen

Helping clients take care

Nationwide® offers LTC solutions to help your clients plan for potential future LTC needs:

  • Nationwide CareMatters® products, which offer LTC coverage linked to a universal life insurance policy
  • A Long-term Care Rider that can be added to many of our life insurance products

The cash-indemnity difference

Nationwide's LTC solutions are different from most LTC products because they offer a cash-indemnity benefit, which means:

There's no need to submit monthly bills or receipts once a claim is approved

Clients may choose to receive care at home1

Informal caregivers are permitted, including family members2

Nationwide places no restrictions on how LTC benefits can be used

Nationwide CareMatters® products

Nationwide CareMatters provides LTC coverage with the financial protection of life insurance and flexible benefit use.

Designed for individuals or couples ages 30-70:

  • Whose primary interest is LTC coverage
  • Who want to be able to recover some of their costs if LTC needs are small or never needed
  • Who want the option to purchase LTC protection over shorter or longer time frames

Flexibility: Single- and multi-year payment options are available as well as inflation protection options

Death benefit: A guaranteed death benefit whether or not LTC benefits are paid; even if all LTC benefits are paid out, there is still a residual death benefit3

CareMatters product options

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Nationwide CareMatters®

This single-life coverage is for clients who are primarily looking for long-term care coverage and want to be able to recover their costs if they never need care.

Young woman looking at young man

Nationwide CareMatters Together℠

This joint-life LTC coverage can be used by one person or shared in any combination of benefit payments if the need for care arises.


 Long-term care rider

The LTC Rider is available as an option on most permanent life insurance policies from Nationwide.

Designed for clients:

  • Who want the protection of life insurance now but would also like a source of funds to help cover potential LTC expenses later
  • Who are concerned about LTC and like the versatility of using life insurance to help cover LTC costs

Flexibility: There are a variety of premium schedules based on policy type.

Death benefit and/or LTC: The full benefit amount is paid, provided LTC benefits have not been used.

Man and woman sitting on the front porch

Long-term Care Rider

With our life insurance solutions, this is an available additional option to provide coverage for unexpected long-term care expenses.

LTC resources

Watch real people discuss their experiences, then share with clients to start a conversation.


Help your clients imagine the type of extended care they would want if they needed it.


Show clients why they should plan for potential health care expenses.


Compare LTC costs from state to state and print a report for your clients.


Learn how to download the LTC Cost Calculator app to your Apple or Android device.


Share this flip deck with clients to help them better understand what LTC is and how it’s used.


Contact us

Life Insurance Solutions Center 1-800-321-6064
Broker General Agents Solution Center 1-888-767-7373
Producer Group Solutions Center 1-844-867-8159
World Financial Group Solution Center 1-855-455-4139

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[1] The plan of care prepared by a U.S.-licensed health care practitioner should state that care from family members or other informal caregivers is appropriate.

[2] Under certain circumstances, benefits may be taxable. Your client should consult a tax advisor.

[3] The death benefit may be reduced by the LTC benefits paid, outstanding loans, unpaid monthly deductions and partial surrenders.

Nationwide CareMatters and Nationwide CareMatters Together are service marks of Nationwide Mutual Insurance Company.

Guarantees are backed by the claims-paying ability of Nationwide Life and Annuity Insurance Company, Columbus, Ohio. The financial strength of Nationwide is not intended to reflect the investment experience of a variable account, which is subject to market risk.

When choosing a product, make sure that life insurance and long-term care insurance needs are met. Nationwide CareMatters is not intended to be a primary source of life insurance protection, so make sure life insurance needs are covered by appropriate products. Be sure to choose a product that meets long-term life insurance needs, especially if personal situations change — for example, marriage, birth of a child or job promotion. Weigh the costs of the policy, and understand that life insurance, and long-term care coverage linked to life insurance, has fees and charges that vary with sex, health, age and tobacco use. Riders that customize a policy to fit individual needs usually carry an additional charge.

Keep in mind that the payment of long-term care rider benefits as an acceleration of the death benefit will reduce both the death benefit and cash surrender value of the policy. Additionally, loans and withdrawals will also reduce both the cash value and the death benefit. Care should be taken to make sure that life insurance needs continue to be met even if the rider pays out in full or after money is taken from the policy. There is no guarantee that the rider will cover the entire cost for all of the insured's long-term care, as this may vary with the needs of each insured. Nationwide pays the long-term care benefit to the policyowner; there is no guarantee that the policyowner will use the benefit for long-term care expenses if the policy is owned by someone other than the insured.