Advisors create a game plan to prepare clients for this retirement expense Also be aware that “chronic illness” riders are different from those for LTC. “It’s contingent upon your condition being permanent,” Fibiger said. “Long-term care riders are less restrictive.” Not all advisors are sold on these hybrid policies. “We’re highly skeptical of the sustainability of the hybrid model,” Brennan said. “There’s not a ton of data out there about whether those paying strategies work over time across a large data sample. “I think it’s not something we’d ever advise someone to rely on solely,” he added.