OwnYourPension

Care-Funding Estimator

A rough idea of how far a lump sum could stretch if you ever need long-term care — using a hybrid (asset-based) policy that pays a multiple of your deposit for care, and still leaves a death benefit for your family if you never need it. An estimate to learn from, not a quote.

“OwnYourPension” is an educational brand name — not a pension provider. Annuities and hybrid insurance products are not employer or government pensions and are not insured by the PBGC, the FDIC, or any government agency. Care benefits and guarantees depend solely on the policy terms and the claims-paying ability of the issuing insurance company.
Illustrative only. The leverage factors below are placeholders for layout preview — they are not OneAmerica (or any carrier) figures and must not be relied upon. Real factors load once our carrier factor sheets are connected.

Your situation

If you need care

Total long-term-care benefit pool
$0
$0
Per month for care
0x
Per $1 you put in
$0
To heirs if unused
Enter your details to see an estimate.
Because this money is in an old annuity with taxable gains, a 1035 exchange into a hybrid long-term-care contract can turn those would-be-taxable gains into long-term-care dollars that generally come out income-tax-free under the Pension Protection Act. This is not tax advice — confirm the specifics with your own tax advisor.

See your real numbers — or hear why you might self-fund instead

This is an educational estimate. For an exact illustration from the carriers we work with — and an honest read on whether a hybrid policy beats simply self-funding for your situation — send your details and a OwnYourPension specialist will follow up.

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Important. This estimator is for educational purposes only and is not a quote, an offer, a tax opinion, or a recommendation to buy any product. Figures use general, illustrative leverage factors and will differ from any actual policy, which depends on the issuing insurance company, the specific product, underwriting, prevailing rates, your state of residence, and the options you select. Long-term-care benefits are subject to the policy's terms, including any waiting (elimination) period and benefit triggers. Tax treatment (including 1035 exchanges and Pension Protection Act treatment of long-term-care benefits) depends on your individual situation — this is not tax advice; consult your own tax advisor. Guarantees and benefits are backed solely by the claims-paying ability of the issuing insurance company — not by OwnYourPension, by any insurance agency, or by any government agency. OwnYourPension is an educational resource and is not a pension provider or an insurance company; products are offered through licensed insurance agencies we work with, who are compensated by commission. OwnYourPension is affiliated with T&T Capital Management LLC, a registered investment adviser and fiduciary that charges a fee for advisory services; which entity serves you, and how it is compensated, is disclosed before you purchase. [Draft disclosure — pending compliance-counsel review.]