This week, Nancy & her daughter Tammy decided to choose a hybrid, cash indemnity plan that will let Nancy use the money to pay for whoever and whatever care she needs, or it will pay a tax-free death benefit to Tammy if Nancy never needs care.  Disclosure: In this episode, I stated that the hybrid plans were not available prior to the Pension Protection Act (PPA) being implemented in 2010.  They were actually available before then, but the PPA law made the benefits completely tax-free if used for care or as a death benefit.  Before that, benefits could not be combined and tax-free.