Long Term Care

Plan for future care costs without compromising your retirement lifestyle.

Plan Ahead for Long-Term Care—Protect Your Retirement

If you are at or near retirement age you may be worried that long-term care or extended care costs have increased over the last ten years and are continuing to increase.

So, having a plan to address these costs should be included in every retirement strategy.

The good news is we work with hybrid insurance plans that leverage your dollar in case you need it for extended care but remain 100% accessible for withdrawal if you don’t.

  • Looking for LTC protection? Nationwide CareMatters® II could be a good fit for you.
  • It’s long-term care coverage linked to a fixed-premium universal life insurance policy that includes a death benefit.
  • Ask us to walk you through how the cash indemnity benefits, premiums, and guarantees work for your situation.
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Important: Product availability, features, and benefits are subject to carrier rules and state approval. This content is for informational purposes only and is not legal or tax advice. Please review policy details and consult your tax or legal professional.
Advisor meeting with client about long-term care planning

Hybrid Long-Term Care, Simplified

Key advantages of solutions like Nationwide CareMatters® II—paired with guidance from MoneyWorks Group.

  • No receipts required

    You won’t have to submit bills and wait for reimbursement, and there are no restrictions on how benefits can be used.

  • Premiums won’t increase

    Premiums are guaranteed never to rise—and your LTC benefits are guaranteed never to decrease.

  • No “use it or lose it” risk

    If you never use LTC benefits, a death benefit passes to beneficiaries. Even if all LTC benefits are used, a guaranteed minimum death benefit remains.

Why consider a hybrid LTC strategy?

For individuals nearing retirement, the rising cost of long-term care calls for a thoughtful addition to the plan. Hybrid options like Nationwide CareMatters® II combine extended care protection with a fixed-premium universal life policy—connecting potential care costs with a guaranteed death benefit, and offering accessible value if care isn’t needed.

If you’re seeking a comprehensive approach to long-term care coverage, exploring CareMatters® II could be a valuable step in your retirement strategy.

Contact us here

CareMatters® II is a product of Nationwide Life and Annuity Insurance Company. Product availability, features, and guarantees are subject to terms, conditions, and state approvals. This section is for educational purposes only and is not individualized advice.

Our Approach to Asset Protection

A clear, collaborative process designed to understand your goals, build a tailored plan, and keep it working for you.

Create

We get to understand you and your goals

We take time to learn your priorities, risk tolerance, family dynamics, and business interests so the plan reflects what matters most.

Build

We design a plan that works for you

We coordinate structures like trusts, LLCs, titling, and insurance—aligned with your tax, estate, and retirement objectives.

Maintain

We implement and maintain the plan ongoing

We implement your strategy and monitor it over time, adjusting as laws and life change to keep your protections effective.

Learn More About Our Approach