Long-Term Care Insurance review · Updated October 2026

Nationwide Review (2026)

Linked-benefit life and long-term care policies.

Reviewed by our editorial team · How we rank · Advertising disclosure

The short version

Its linked-benefit design keeps value for your family even if care isn't needed. On our long-term care insurance comparison, it's labeled Best for linked benefits.

Key facts

Policy typeLinked benefit
Issue agesUp to 75
AM BestA+

What stands out

  • Linked-benefit policies combining life and LTC
  • Unused LTC funds go to beneficiaries
  • Higher monthly benefit options

Pros and cons

Pros

  • Guaranteed death benefit
  • Flexible benefit amounts

Cons

  • Requires a larger premium commitment

How Nationwide compares

Side-by-side comparison

Mutual of Omaha
New York Life
Nationwide
Policy typeTraditionalHybrid life/LTCLinked benefit
Issue agesUp to 79Up to 75Up to 75
AM BestA+A++A+
Visit siteVisit siteVisit site

Head-to-head comparisons

Alternatives to consider

What to check before you sign up

Whichever long-term care insurance provider you choose, compare these points:

  • Daily or monthly benefit. The maximum the policy pays per day or month of care. Compare it with care costs where you live.
  • Elimination period. The waiting period before benefits start, often 30 to 90 days. Longer periods lower premiums.
  • Inflation protection. Care costs rise over time. An inflation rider helps the benefit keep pace.
  • Traditional vs. hybrid. Hybrid life/LTC policies pay a death benefit if care is never needed, but cost more upfront.

See long-term care insurance providers that serve your ZIP code.

Compare Long-Term Care Insurance

Trademark and logo notice: Company names, logos and trademarks are the property of their respective owners and are used only to identify each company and its products. Their appearance does not mean that any company endorses, sponsors or is affiliated with The Top 10 Experts, unless we say so. Facts were checked against public sources in October 2026; confirm current terms with the provider. Customer ratings are Trustpilot TrustScores as of October 2026, shown only for companies rated 4.0 or higher with at least 25 reviews; The Top 10 Experts is not affiliated with Trustpilot. To request a change, contact legal@thetop10experts.com.