<?xml version="1.0" encoding="US-ASCII"?>
<!-- Generated by Broadridge Transform (tm) - http://www.broadridge.com -->
<!-- Created: Wed Jul 29 15:59:43 UTC 2026 -->
<xs:schema elementFormDefault="qualified" xmlns:lcaifi="http://www.franklintempleton.com/20260531" targetNamespace="http://www.franklintempleton.com/20260531" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:us-types="http://fasb.org/us-types/2026" xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:dtr="http://www.xbrl.org/dtr/type/2024-01-31" xmlns:xbrli="http://www.xbrl.org/2003/instance">
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xlink:type="simple" xlink:href="lcaifi-20260531_lab.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef"/>
      <link:linkbaseRef xlink:type="simple" xlink:href="lcaifi-20260531_pre.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef"/>
    </xs:appinfo>
  </xs:annotation>
  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2009/role/negated" schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/cef/2026" schemaLocation="https://xbrl.sec.gov/cef/2026/cef-2026.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/cef-pre/2026" schemaLocation="https://xbrl.sec.gov/cef/2026/cef-2026_pre.xsd"/>
<!-- [WMV7][zSfXBuYi1A8rFKLJT4ORg1qUw5JLT74L/GvEJYwGVip/NJo1DAS1VI6R1+AI3oZ/D7amwBLg5Xzm+BT+5pmr7cgS+jtqEBZFyylS90Qg9R+M0bq3BvUQSYwlCm4uAFyyxT61mAx09kSf7uEruVC/9ysDvR09WP50IvzppwlpNZVZGseilEMzrIAvSsQdzeLsSGsJJsxTe8NNi4DbWhqVoy+Ra+0r7DcSEUeI0VtLY9vj7XtMxas6ZFpw2piXCxahzfMTkyDnsxXnDGUGOEdwD+dl48rHLQzDK6IUTgDqKwE+/zVdep54oi9hkuncq/Zy1aQDlw19ZMI1mCxAf/3K3WvcsKiWK0bFt0fGvyoIQT/gXth4sziAvwBPfYiGtAcimg==] CSR-->
  <xs:import namespace="http://www.xbrl.org/dtr/type/2024-01-31" schemaLocation="https://www.xbrl.org/dtr/type/2024-01-31/types.xsd"/>
</xs:schema>