Solutions to fund long-term care needs

A combination of long-term care & life insurance, hybrid solutions offer greater financial flexibility and extensive benefits.

Choosing hybrid long-term care solutions

Hybrid long-term care combination solutions offer benefits regardless of what happens to you in the future.

If long-term care is needed, you'll receive: If long-term care is not needed, you'll receive:

Coverage for
qualified long-term
care costs

Death benefits for
your beneficiaries

Coverage for
recoverable and

Option to get your
premiums back

High-quality care in a variety of settings

Hybrid solutions offer choices and convenience to help you remain independent for as long as possible.

Care at home and in your community, facility care, additional care and services

Flexible*, affordable and predictable premiums

  • Flexible payments, up to 25 years depending on your age
  • Premiums that never increase1
  • Extending payments over time to keep premiums as low as possible
  • Greater affordability to pursue multiple financial goals simultaneously

Tax advantages

  • Long-term care benefits are generally income tax-free2
  • If you don’t use your long-term care benefits, death benefits to your children or beneficiaries are federal income-tax free3

Growing interest

  • Life/long-term care combination products now represent nearly 80% of the overall market for individual long-term care solutions4

The Lincoln National Life Insurance Company and, in NY only, Lincoln Life & Annuity Company of New York​

*Flexible payments are not available in the state of New York.
1Provided premiums are paid as planned and no loans or withdrawals are taken
2LTC reimbursements are generally income tax-free under Internal Revenue Code Section 104(a)(3). Fixed monthly payments for long-term care up to the IRS per diem limit may not be tax-free for high income individuals.
3Internal Revenue Code Section 101(a)(1).
4 “Individual Life Insurance Combination Product Premium Grows 18 Percent in 2017,” LIMRA Press Release, June 21, 2018.

The purpose of this communication is the solicitation of insurance. An insurance producer or insurance company will contact you. The policies contain exclusions and limitations, please contact your Lincoln representative or the insurance company for costs and complete details. Hybrid policies are universal life policies with optional long-term care benefit riders. The policies and riders have exclusions, limitations, and reductions. For questions contact the insurance company.