Self-Insure vs. Hybrid LTC

OwnYourPension

Two honest ways to handle the long-term-care risk with a lump sum: keep the cash and self-fund, or move it into a hybrid (asset-based) policy that pays a multiple of your deposit for care — with a death benefit if you never need it. Side by side, with the trade named both ways. 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.

Your situation

Lump sum you’d earmark for care Your age today Cover

Care setting — sets a typical cost

Assumed cost of care — per year, editable A long claim lasts — years (avg need ~2; ~1 in 7 needs 5+)

Two ways to cover it

Self-fund

Years your lump sum covers

0 yrs

A long claim costs $0

—

Hybrid

Care benefit pool

Leverage 0x on your lump sum

Death benefit if unused $0

Enter your details to see the comparison.

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

This is an educational comparison. 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 an OwnYourPension specialist will follow up.

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Important. This comparison is for educational purposes only and is not a quote, an offer, a tax opinion, or a recommendation to buy any product. The self-fund figures are simple arithmetic on the numbers you enter and assume a flat cost of care; the default costs are CareScout/Genworth 2025 Cost of Care Survey U.S. national medians (in-home non-medical caregiver, assisted living, nursing-home semi-private), and actual care costs vary widely by location, level of care, and inflation. The hybrid 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.