LTC coverage, one real life example

[MisterBill]

That is reason number 1 while I went the hybrid route. Reason number 2--never any premium increases or coverage decreases.

So I ended up buying the Nationwide CareMatters II hybrid plan with 5% inflation protection. Also applied for my wife, but they had an issue with something she told them about her medical history and said they would not cover her until she had a surgery that she was told was not required. They eventually agreed to review her medical records to see if they would cover her. Still waiting to hear back.