Long-Term Care Insurance Now

In this episode, Scott A. Olson breaks down why Health Savings Accounts (HSAs) are one of the worst ways to self-insure for long-term care. He explains how HSAs work, the tax advantages they offer, and why many people mistakenly see them as a long-term care funding solution. Welcome to Long-Term Care Insurance Now. Your trusted source for the latest insights, updates, and expert guidance on long-t...

In this episode, Scott A. Olson unpacks the biggest mistake people make when they say they'll "self-insure" for long-term care. Too often, individuals never communicate their intentions with the very people who will be responsible for their care when the time comes. Scott highlights why this lack of planning creates unnecessary stress, leaving loved ones to shoulder emotional, finan...

In this episode, Scott A. Olson explains how to compare traditional long-term care insurance with hybrid life/LTC policies. He emphasizes the importance of confirming that a hybrid is guaranteed to remain in force for life and advises ignoring the death benefit and cash value when making comparisons. Finally, he discusses five situations where a hybrid can still be beneficial, such as specific hea...

In this episode, Scott A. Olson reflects on his second experience as a caregiver when his mother-in-law suddenly needed long-term care. He contrasts this experience with his first, far more stressful caregiving journey, and explains how planning ahead reduced stress for the entire family.  Welcome to Long-Term Care Insurance Now. Your trusted source for the latest insights, updates, and expert gui...

Filing a long-term care insurance (LTCi) claim can be complex, especially if you've never done it before. In this video, Scott A. Olson, co-founder of LTCShop.com, breaks down the common roadblocks to filing an LTCi claim. Discover how you can simplify the claims process and focus on what truly matters: your loved ones. Welcome to Long-Term Care Insurance Now. Your trusted source for the late...

On this episode, Scott A. Olson tackles the question of whether to go with traditional long-term care insurance or a hybrid life insurance policy with a long-term care rider. He shares the story of a woman in her mid-50s who first applied for a hybrid policy because it offered a death benefit on top of long-term care coverage. After weighing both options, she realized the traditional policy would...

Many people want to purchase long-term care insurance after witnessing how much it helped a loved one. In this video, Scott A. Olson, co-founder of LTCShop.com, explains the significant impact of these policies, with over $224 billion in claims paid to more than 1.7 million policyholders. He also demystifies the rules around claim denials, highlighting the incontestability clause that protects pol...

The WA Cares Fund is the nation’s first government-run long-term care insurance program, but how does it really compare to private insurance? In this episode, Scott A. Olson, CLTC, breaks down nine key reasons private long-term care insurance outshines the WA Cares Fund. Welcome to Long-Term Care Insurance Now. Your trusted source for the latest insights, updates, and expert guidance on long-term...

In this episode, Scott A. Olson explains the WA Cares Fund, the first government-run long-term care insurance program in the U.S. He highlights what Washington State did right and wrong with the program's design and explores key similarities between WA Cares and private LTC insurance. He also outlines six distinct advantages the WA Cares Fund offers over private LTC policies. Welcome to Long-...

In this episode, Scott A. Olson, CLTC, explains how certain annuities can multiply your premium deposit, providing significant leverage for long-term care. He details how these products attract clients who need to prioritize easy underwriting, catastrophic coverage, and a built-in death benefit. Welcome to Long-Term Care Insurance Now. Your trusted source for the latest insights, updates, and expe...

Scott A. Olson breaks down the worst types of annuities marketed for long-term care planning. He explains why most annuity-based strategies fall short and how some approaches merely amount to self-insuring. If you're considering annuities as part of your LTC plan, this is a must-listen. Welcome to Long-Term Care Insurance Now. Your trusted source for the latest insights, updates, and expert g...

In this episode, Scott discusses the history, purpose, and effectiveness of the NAIC's Rate Stability Regulation for long-term care insurance. He explains how to check if your policy is covered and notes that these regulations aim to reduce future premium increases. As a result, newer policies usually experience smaller or no rate increases compared to older ones. Welcome to Long-Term Care In...

In this episode, Scott A. Olson explains the truth about long-term care insurance rate increases and why many older policies saw steep hikes. Today’s policies, while more expensive upfront, are subject to stricter regulations that reduce the likelihood of significant future hikes. As a result, while minor adjustments are still possible, new buyers are far less likely to face the dramatic increases...

In this episode, Scott A. Olson shares a true story that highlights the risks of relying on uninformed investment advisors when shopping for hybrid long-term care insurance. He explains how a poorly chosen policy can result in limited benefits or even no benefits at all. Welcome to Long-Term Care Insurance Now. Your trusted source for the latest insights, updates, and expert guidance on long-term...

In this episode, Scott A. Olson breaks down the five critical elements to compare when evaluating hybrid life/long-term care insurance policies. From death benefits and cash value to LTC coverage, premium schedules, and no-lapse guarantees, Scott simplifies the jargon so you can make an informed decision about which hybrid policy might be right for you. Welcome to Long-Term Care Insurance Now. You...

Discover how to get a personalized long-term care insurance quote without the hassle. In just two minutes, Scott A. Olson walks you through LTCShop.com's most popular feature: the Policy Finder. No phone calls, no sales pitches, just a simple, anonymous tool to help you find the right coverage at the right price. Welcome to Long-Term Care Insurance Now. Your trusted source for the latest insi...

In this episode, Scott A. Olson tackles the common question of whether to buy a hybrid or traditional long-term care insurance policy. He explains five specific scenarios where a hybrid policy might be the better choice. He concludes by emphasizing the importance of comparing key features in a hybrid policy. Welcome to Long-Term Care Insurance Now. Your trusted source for the latest insights, upda...

In this episode, Scott A. Olson, co-founder of LTCShop.com, explains how to compare long-term care insurance policies with confidence. He outlines four essential questions you must ask about any policy: daily home care benefit, daily facility care benefit, lifetime maximum benefit, and whether benefits grow with inflation. Welcome to Long-Term Care Insurance Now. Your trusted source for the latest...

In this episode of LTCi Now, Scott A. Olson breaks down the question, “How much does long-term care insurance cost?” and explains the key factors that determine your premium, including age, health, gender, and more, to help you make an informed decision about protecting your future. Welcome to Long-Term Care Insurance Now. Your trusted source for the latest insights, updates, and expert guidance o...

Even with excellent long-term care insurance, caregiving is still a heavy lift. In this video, Scott honors his wife by sharing the 28 roles she filled while caring for her mother. From managing finances and legal affairs to attending every medical appointment, she did it all while working full-time and raising a family. None of it would have been possible without the vital support made affordable...

In this episode, Scott shares his thoughts on the new PBS documentary Caregiving , produced by Bradley Cooper. Drawing on his own experiences as a caregiver and LTCi expert, he breaks down the film and what he wishes it had covered. Hosted by Scott A. Olson, CLTC, a nationally recognized expert with over 25 years of experience in the field. His work has been featured in the New York Times, among o...

In this episode, Scott shares from personal experience the five types of stress every caregiver faces daily: physical, emotional, mental, financial, and family stress. Whether you’ve been a caregiver or may be one in the future, this honest account will prepare you for the reality behind the role. Discover how planning ahead, particularly with long-term care insurance, can alleviate the burden. Ho...

In this episode, Scott A. Olson explains LTCShop.com’s simple four-step process for shopping for long-term care insurance.  Welcome to Long-Term Care Insurance Now. Your trusted source for the latest insights, updates, and expert guidance on long-term care insurance. This show aims to break down everything you need to know to make informed decisions about protecting your future.  Hosted by Scott A...

In this episode, Scott shares his thoughts on the new PBS documentary Caregiving , produced by Bradley Cooper. Drawing on his own experiences as a caregiver and LTCi expert, he breaks down what the film got right and what it missed Hosted by Scott A. Olson, CLTC, a nationally recognized expert with over 25 years of experience in the field. His work has been featured in the New York Times, among ot...

In this episode, Scott suggests “recovery policies” to cover long-term care. Scott details the fine print factors, benefit triggers, home care coverage, and inflation protection that determine whether a recovery policy is worth considering. He also highlights how some recovery policies may offer unique advantages over traditional LTC insurance and even recommends layering two policies for comprehe...