I did the calculations on the IRS calculator and they show that I should make a payment equivalent to the income from those pensions. This is probably independent of the expected refund I will receive from LTC insurance, but I don't see a place to enter it, and therefore think I would be depending on the expectation that the refund will be about the same, although the expenses will be 15% higher, and are not deductible. That's why I'm thinking of a payment to cover that.
Should I go ahead and plan to make a payment, then?
