The problem lies in the financing of dependency it proposes that beneficiaries prioritize their resources to pay for LTC. Therefore, this paper aims to establish a financial–actuarial model that transforms private economic resources (pensions) by including a supplement to help pay for LTC at a beneficiary’s request. The inclusion of an actuarial model results in a social contribution by adapting the private plan to a beneficiary’s needs, whether they are a retired or disabled pensioner.