Long-Term Care Planning (Cash-Indemnity)
Asset-based long-term care solutions like Nationwide CareMatters Together providing tax-free monthly cash benefits without the hassle of receipts.
Authorized Carrier Network
Nationwide Financial
CareMatters Together® (Shared Family Pool)
Mutual of Omaha
MutualCare Custom Solutions
Pacific Life
PremierCare Advantage LTC
Key Strategic Benefits
- ✓100% Cash-Indemnity Payout: Receive full monthly cash benefits directly to spend on family caregivers or home health without submitting monthly receipts.
- ✓Asset-Based Guarantee: If you never require long-term care, your full death benefit passes 100% tax-free to your beneficiaries.
- ✓Shared Coverage for Couples: Nationwide CareMatters Together allows spouses to draw from a single joint benefit pool.
- ✓Inflation Protection Riders: 3% or 5% compound growth options to ensure benefits keep pace with healthcare cost inflation.
Cash-Indemnity vs. Traditional Reimbursement Models
Traditional LTC policies require you to hire pre-approved agency caregivers and submit monthly itemized receipts. In contrast, Nationwide's cash-indemnity model pays your full monthly benefit in liquid cash directly into your bank account, allowing you to pay family members or informal caregivers to assist you in the comfort of your home.
Frequently Asked Questions
Q: What happens to the money if I never need long-term care?
With asset-based LTC (like Nationwide CareMatters), your premium is never lost. If you remain healthy and never trigger care benefits, the full tax-free death benefit is paid to your heirs.
Angel Burgos
FL License: #G328926
0215 Life, Health & Annuities
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