Nationwide UL With Long Term Care Rider

The Nationwide Long Term Care Rider offers your client:

• Guaranteed premiums and benefits
• An indemnity-style design that helps them keep control of their money; tax-free payments are made directly to the contract owner each month, and no bills or receipts need to be submitted; tax laws are complex and subject to change; your clients should contact their tax and legal advisors for answers to their specific questions
• Flexibility to, after qualifying for long-term care, use any excess benefits not needed for care as they wish
• Benefits for their premiums, either in the form of long-term care or death benefi ts; no “use it or lose it” risk
• The possibility of receiving benefi ts outside the United States (upon meeting qualifying conditions)
• Monthly benefit limited to Health Insurance Portability and Accountability Act (HIPAA) per diem amount to help avoid unintentional taxable events
• A fixed premium for the life of the policy — the premium for the LTC rider will not suddenly go up as it can for traditional long-term care insurance policies
• Nationwide Care Guide Network®, a free professional long-term care referral service
• The strength and stability offered by Nationwide, with all guarantees subject to its claims-paying ability

Basic Information

Nationwide vs. Other Hybrid LTC