Long-Term Care / Disability
"69% of Americans over 65 will need long-term care. 1 in 4 workers become disabled before retirement. Almost none are prepared."
Most Americans assume Medicare will cover long-term care. It won't. Medicare covers skilled nursing for a maximum of 100 days — and only after a qualifying hospital stay. The average nursing home stay is 2.5 years. The average cost is $108,000 per year. That gap is entirely on you and your family.
Disability is even more overlooked. One in four 20-year-olds will become disabled before reaching retirement age. If your income stops, your mortgage doesn't. Your kids' tuition doesn't. Your bills don't. Employer disability coverage — if you even have it — typically replaces only 40–60% of your salary, often with a cap.
Nationwide's long-term care and disability income protection products are designed to fill exactly these gaps. LTC coverage pays for nursing home care, assisted living, home health aides, and adult day care — on your terms, not the government's. Disability income insurance replaces a portion of your paycheck if illness or injury prevents you from working.
The best time to get coverage is before you need it. Premiums are dramatically lower when you're healthy and younger. Waiting until a diagnosis means you may not qualify at all.
Key Features
- Long-term care coverage by Nationwide
- Disability income replacement insurance
- Covers nursing home, assisted living, and home care
- Income replacement during disability (up to 60–70%)
- No medical underwriting options available
- Flexible benefit periods (2-year, 5-year, lifetime)
- Inflation protection riders available
- Benefits available for both individuals and couples
Who it's for
Working professionals ages 35–60, families with a single income earner, business owners, anyone without employer-sponsored LTC or disability coverage, and those with aging parents who've seen the cost of care firsthand.
Of Americans 65+ will need long-term care
Average annual nursing home cost
Workers disabled before retirement
Maximum Medicare covers (skilled nursing)
Medicare Won't Save You
Medicare covers skilled nursing for a maximum of 100 days — and only after a 3-day hospital stay. The average long-term care need lasts 2.5 years. That leaves over $200,000 in uncovered costs that fall directly on your family.
Your Paycheck Is Your Biggest Asset
If you earn $75,000/year over a 30-year career, that's $2.25 million in lifetime earnings. Disability insurance protects that asset. Without it, one injury or illness can wipe out everything you've built.
The Cost of Waiting Is Permanent
LTC and disability premiums increase 6–8% per year of age. A policy at 45 costs roughly half what it costs at 55. And after a diagnosis — diabetes, heart disease, cancer — you may not qualify at any price.
"The average American will spend more on long-term care than they spent on their home. $108,000 per year — and Medicare covers almost none of it."
Nationwide's long-term care and disability products ensure that your savings, your home, and your family's financial future aren't wiped out by a single health event.
The Numbers That Should Concern Every Family
The average long-term care need lasts 2.5 years. Women average 3.7 years. That's hundreds of thousands in costs that most families have zero plan for.
Most employer disability plans replace only 40–60% of your salary — often capped at $5,000–$6,000/month regardless of your income. Individual coverage fills the gap.
Medicare does not cover custodial care — the type of help most people actually need. Bathing, dressing, meal prep, medication management — all out of pocket without LTC coverage.
Common Questions
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