Nationwide – Hybrid Life and Long-Term-Care Solutions Partner Supporting North Carolina Senior-Care Planning
Helping North Carolina Senior-Care Ecosystems Through Hybrid LTC and Annuity-Based Long-Term-Care Options
Nationwide is a large U.S. insurer offering a range of long-term-care solutions, including hybrid life + LTC policies and annuities with qualified LTC riders. Nationwide CareMatters and CareMatters II combine a life-insurance death benefit with qualified long-term-care benefits, providing full cash-benefit LTC payments that can be used flexibly for covered care. Nationwide is both a major hybrid LTC carrier and a provider of other LTC-linked solutions, in addition to its P&C and financial-services offerings. For North Carolina senior-care ecosystems, Nationwide matters when individuals and families want flexible, asset-based LTC planning.
Who Is Nationwide in Hybrid Long-Term-Care Insurance?
Nationwide’s CareMatters II is a hybrid life and long-term-care insurance policy (also called combination or asset-based), providing both a life-insurance death benefit and tax-free LTC benefits. The policy pays 100% of approved LTC benefits in cash, allowing policyholders to choose formal or informal care providers, including family and friends, and to allocate funds to various LTC needs. Nationwide also offers hybrid annuities with qualified LTC riders, providing broader underwriting flexibility for some clients.
In North Carolina, families purchase Nationwide hybrid policies to secure guaranteed LTC benefits while preserving a death benefit if LTC is not fully used.
Why North Carolina Senior-Care Ecosystems Need Nationwide
North Carolina senior-care ecosystems may rely on Nationwide when:
- Families prefer cash-benefit LTC solutions with flexibility in how and where care is delivered.
- CareMatters benefits will support home-care, assisted-living, or nursing-home services in NC.
- Claims teams need documentation to approve LTC benefit triggers and continued payments.
That makes accurate ADL, cognitive, and care-episode documentation vital for Nationwide-insured NC policyholders and their providers.
Case Study: Nationwide CareMatters II for a North Carolina Policyholder Transitioning Across Care Settings
A North Carolina policyholder purchases Nationwide CareMatters II, funding it with a single premium. Years later, she starts using LTC benefits for home-care, then for assisted-living and memory-care. Nationwide requires documentation that:
- She meets benefit triggers related to ADLs or severe cognitive impairment.
- Covered LTC services are being provided across NC settings.
- Ongoing reviews support continued eligibility.
Because benefits are paid as a full cash benefit, the family has flexibility but must still show that care needs align with policy terms. Documentation lives in multiple providers’ systems, and the family has difficulty tracking changes over time.
The family and providers use Caring Data to track ADL and cognitive status, care-plans, service episodes, and incidents across home-care and facilities in North Carolina. When Nationwide requests documentation, they provide concise reports summarizing functional status and services, aligning with CareMatters benefit triggers while preserving flexibility in how cash benefits are used.
How Caring Data Complements Nationwide
Caring Data helps North Carolina families and providers support Nationwide hybrid LTC claims. For NC ecosystems, Caring Data:
- Connects functional measures, care episodes, and incidents across multiple care settings.
- Simplifies building documentation that matches Nationwide’s benefit-trigger requirements.
- Improves transparency for families, advisors, providers, and Nationwide around LTC needs and benefit usage.
Explore Caring Data:
Book a Demo:
https://calendly.com/saile/60min
Testimonial
“Because our North Carolina family relies on Nationwide’s CareMatters hybrid policy, the way we document ADLs, cognition, and care directly affects our LTC benefits. Caring Data has helped us centralize information from home-care and assisted-living, which Nationwide now uses when reviewing our North Carolina CareMatters claims. I would recommend this combination to any NC family using Nationwide hybrid LTC.”
— Policyholder’s Daughter, North Carolina
Key Contact
Nationwide – Hybrid LTC Solutions
Hybrid LTC overview: Nationwide CareMatters II hybrid life and long-term-care insurance
Hybrid LTC position: full cash-benefit hybrid policies combining life and LTC, plus annuities with LTC riders
Website:
https://www.nationwide.com/ and Nationwide financial/LTC pages
Address (listing):
One Nationwide Plaza, Columbus, OH 43215
Phone (example): 1-877-669-6877 (Nationwide general contact)
Vendor/supplier emails: NWHelp@nationwide.com; Supplier@nationwide.com
Final Thoughts
North Carolina senior-care ecosystems benefit when hybrid LTC carriers like Nationwide give families flexible, cash-benefit options. Caring Data offers the documentation platform that keeps those options aligned with actual care needs.
Arthur J. Gallagher & Co. – North Carolina
Arthur J. Gallagher & Co. – North Carolina