Shows
Long-Term Care Insurance NowYour First Step to Buy Long-Term Care InsuranceWith nearly 30 years of experience, Scott A. Olson explains the first step of the four-step process to help you find long-term care insurance that fits your specific needs, beginning with a 20-minute introductory "get to know you" call. This initial conversation focuses on health history, personal goals, and how the policy should function, recognizing that underwriting and policy options vary widely. The goal is to design thoughtful, personalized coverage rather than recommend a one-size-fits-all solution.Welcome to Long-Term Care Insurance Now. Your trusted source for the latest insights, updates, and expert guidance on long-term care insurance. This...
2026-02-0109 minLong-Term Care Insurance NowBob and Mindy's Story: Couple vs Individual PoliciesIn this episode, Scott A. Olson discusses why married couples or partners don’t always need to buy long-term care insurance from the same company. Using the real-life example of Bob and Mindy, it shows how health differences can make separate policies a smarter choice, allowing each person to get the best coverage available to them. Scott explains how buying different policies from different companies can sometimes provide better protection, pricing, and flexibility for couples.Welcome to Long-Term Care Insurance Now. Your trusted source for the latest insights, updates, and expert guidance on long-term care insurance. This sh...
2026-01-2810 minLong-Term Care Insurance NowRod and Cassie's Story: Buying Long-Term Care Instantly Saved $40,000 in TaxesIn this episode, Scott explains how a high-income couple used a Pension Protection Act compliant annuity to fund long-term care coverage while avoiding $40,000 in taxes and penalties. He shares how a 1035 exchange turned a decades-old deferred annuity with significant taxable gains into tax-free long-term care benefits for both spouses. Scott also walks through why this strategy worked despite health challenges that made traditional long-term care insurance difficult or impossible to obtain.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...
2026-01-2408 minLong-Term Care Insurance NowAlan and Michelle's Story: How Buying Two Policies Saved Them MoneyShould married couples always buy the same long-term care insurance policy from the same company? In this episode, Scott Olson, CLTC, walks through a real-life client case showing why the answer is often "maybe." Using the example of Alan and Michelle, he explains that buying separate policies from different insurers can sometimes deliver better benefits, lower premiums, and even additional death benefits than a shared policy.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...
2026-01-2109 minLong-Term Care Insurance NowSteve and Marilyn's Story: Long-Term Care Planning with AnnuitiesIn this episode, Scott A. Olson introduces Steve and Marilyn, a soon-to-retire couple who used the cash value of a life insurance policy to fund a Pension Protection Act–compliant annuity. He explains how they turned two smaller assets into lifetime, uncapped benefits with guaranteed inflation protection. Through thoughtful planning, you too can turn taxable assets into tax-free long-term care benefits while protecting your family’s broader net worth.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...
2026-01-1710 minLong-Term Care Insurance NowDrew's Story: Why Buy an Unlimited Long-Term Care Annuity?Many people believe long-term care insurance only covers a few years of care, but that's not true. In this episode, Scott A. Olson introduces you to Drew, a 76-year-old business owner who repositioned an existing asset to secure long-term care coverage with no lifetime cap and no ongoing premiums. Scott explains how strategies like this can help protect assets, reduce taxes, and guard against truly catastrophic long-term care costs.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, a...
2026-01-1410 minLong-Term Care Insurance NowJohn and Mary's Story: Why Buy an Unlimited Long-Term Care Policy?In this episode, Scott A. Olson, CLTC, walks through a real-world long-term care planning case study about John and Mary. The couple is highly successful, nearing retirement with complex health histories and substantial assets. You'll see precisely why a no–lifetime-cap policy made sense for them, how health underwriting affected carrier selection, and how co-insuring fits their overall strategy.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 yo...
2026-01-1005 minLong-Term Care Insurance NowJeff's Story: Unlimited Benefit Long-Term Care PoliciesWe continue our 2026 series featuring 26 real client profiles to clear up common misconceptions about long-term care insurance, especially the myth that coverage only lasts a year or two. In this episode, you'll meet Jeff, a 43-year-old business owner who wasn't worried about short-term care costs, but about protecting his family from a truly catastrophic, lifelong care need. Scott walks through how Jeff secured a no-lifetime-cap policy with growing benefits, despite health considerations, and why that solution fit his financial picture and priorities.Welcome to Long-Term Care Insurance Now. Your trusted source for the latest insights, updates, and...
2026-01-0707 minLong-Term Care Insurance NowPeter's Story: When Underwriters Make A MistakeIn this episode of Long-Term Care Insurance Now, Scott A. Olson shares a real-life client story that highlights what happens when an application is unexpectedly declined and how expert advocacy can make all the difference. Scott walks through how a simple underwriting mistake was identified, challenged, and ultimately reversed. This case study offers valuable insight into why having an experienced specialist in your corner truly matters.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...
2026-01-0305 minLong-Term Care Insurance NowKenny's Story: Declined for Long-Term Care Insurance? What's next?In this episode, Scott A. Olson, CLTC, shares a real-world client case that proves a long-term care insurance decline isn't always the end of the road. He walks through how a 48-year-old entrepreneur was initially denied coverage, but Scott's deeper understanding of underwriting guidelines led to approval with a better policy at a lower premium. One "no" doesn't mean every company will say no, and the right strategy can uncover better options than you expect.Welcome to Long-Term Care Insurance Now. Your trusted source for the latest insights, updates, and expert guidance on long-term care insurance. This...
2025-12-3105 minLong-Term Care Insurance NowBarbara's Story: Can You Purchase Long-Term Care Insurance at 83?In this episode, Scott A. Olson, CLTC, continues the "26 Client Profiles in 2026" series by sharing the real-life long-term care planning story of "Barbara," an 83-year-old widow who secured coverage when most people her age cannot. Scott breaks down the underwriting challenges, the policy design, the costs, and how this coverage compares to Jason's policy discussed in the prior episode. It's a practical, behind-the-scenes look at how thoughtful planning and timing can still make a meaningful difference, even later in life.Welcome to Long-Term Care Insurance Now. Your trusted source for the latest insights, updates, and expert guidance...
2025-12-2807 minLong-Term Care Insurance NowJason's Story: Buying Long-Term Care Insurance at Age 40?In this episode, Scott A. Olson continues his new "26 Client Profiles in 2026" series by sharing the real-life long-term care planning story of "Jason," a 40-year-old professional who qualified for a simplified-issue policy despite chronic health conditions. Scott explains the financial priorities that should come first, why Jason ultimately bought coverage, and how his benefits grow dramatically over time.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...
2025-12-2410 minLong-Term Care Insurance NowAre Insurers "Fleeing" Long-Term Care Insurance?Why did more than 150 insurance companies really stop selling traditional long-term care insurance? In this episode, Scott A. Olson, CLTC, exposes one of the industry's biggest half-truths. He explains how the Rate Stability Regulation in the early 2000s reshaped the long-term care insurance market and why today's remaining carriers are specialists, not survivors by accident.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....
2025-12-2105 minLong-Term Care Insurance NowBill and Kim's Story: A Smart LTC Insurance JourneyIn this episode, Scott A. Olson kicks off his new "26 Client Profiles in 2026" series by sharing the real-life long-term care planning story of "Bill and Kim," a couple who did everything right. Scott walks through their background, health history, and decision-making process, explaining why a traditional long-term care insurance policy was the best fit for them, with over $1.5 million in projected shared benefits.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...
2025-12-1710 minLong-Term Care Insurance NowFive Guarantees You Need in Long-Term Care InsuranceConsidering life insurance as a way to plan for long-term care? In this episode, Scott A. Olson walks through a real-life case study that shows why guaranteed values matter most when evaluating Life/LTC hybrid policies. He explains the five non-negotiable criteria every policy should meet and exposes common (and costly) mistakes made by advisors and consumers alike.If you've been handed a life insurance illustration instead of long-term care insurance, Scott will review it for you at no charge.Welcome to Long-Term Care Insurance Now. Your trusted source for the latest insights, updates, and...
2025-12-1409 minLong-Term Care Insurance NowHow to Evaluate Insurance Illustrations (It's All About the Guarantees)In this episode, Scott Olson, CLTC, co-founder of LTCShop.com and author of Long-Term Care Insurance Now, reveals how "guaranteed" life insurance illustrations can mislead consumers, especially when used in place of traditional long-term care insurance. Scott breaks down a real example where an advisor presented only the non-guaranteed pages of a policy, hiding the actual guaranteed values. He shares the five must-have guarantees every life/LTC policy should include. If you've been handed a life insurance illustration instead of long-term care insurance, Scott will review it for you at no charge.Welcome to Long-Term C...
2025-12-1008 minLong-Term Care Insurance NowHow We Turned $40K to $878K with Long-Term Care Insurance (Part 2)In this episode, Scott A. Olson, CLTC, shares how his mother-in-law turned $40,000 in long-term care insurance premiums into more than $280,000 in benefits, ultimately creating an $878,000 positive impact on her net worth. He explains how her policy enabled her to avoid capital gains taxes, preserve real estate investments, and invest excess income while her care costs were fully covered. It's a clear, real-world example of how long-term care insurance can protect both assets and family.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...
2025-12-0606 minLong-Term Care Insurance NowHow We Turned $40K to $878K with Long-Term Care Insurance (Part 1)In this episode, Scott A. Olson, CLTC, shares how his mother-in-law turned $40,000 in long-term care insurance premiums into more than $280,000 in benefits, ultimately creating an $878,000 positive impact on her net worth. He explains how her policy enabled her to avoid capital gains taxes, preserve real estate investments, and invest excess income while her care costs were fully covered. It's a clear, real-world example of how long-term care insurance can protect both assets and family.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...
2025-12-0306 minLong-Term Care Insurance NowThe Hidden Cost of Self-Funding Your Long-Term CareIn this episode, Scott A. Olson, CLTC, reveals the hidden, often-overlooked costs of self-insuring for long-term care. He explains why paying out of pocket can drain far more than the amount spent, due to lost investment income, higher taxes, and increased Medicare premiums. Scott explains why tax-free long-term care insurance can be a smarter strategy for protecting your retirement assets.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...
2025-11-2911 minLong-Term Care Insurance NowLong-Term Care Insurance is Portfolio InsuranceShould you self-insure for long-term care, or is long-term care insurance the smarter strategy? In this video, Scott A. Olson, CLTC, co-founder of LTCShop.com, explains why higher-net-worth individuals actually have less to gain by self-insuring and far more to lose. Using simple, real-world examples, he breaks down the actual risk and why long-term care insurance functions as "portfolio 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...
2025-11-2607 minLong-Term Care Insurance NowChatGPT vs Long-Term Care Insurance Expert - Part 2In this episode, Scott A. Olson shares his answers from TheStreet.com's article, in which ChatGPT was asked to choose between standalone LTC insurance and hybrid LTC policies (linked below). After reviewing ChatGPT's answer, Scott gives it a solid **F**. While ChatGPT got a few things right, it missed several essential truths that consumers need to make informed decisions. This video shows why real expertise still matters in long-term care planning. If you're considering long-term care coverage, this video will save you from costly mistakes.Choosing Long-Term Care Insurance: AI VS a Real ExpertWelcome...
2025-11-2210 minLong-Term Care Insurance NowChatGPT vs Long-Term Care Insurance Expert - Part 1In this episode, Scott A. Olson shares his answers from TheStreet.com's article, in which ChatGPT was asked to choose between standalone LTC insurance and hybrid LTC policies (linked below). After reviewing ChatGPT's answer, Scott gives it a solid **F** for overlooking several critical factors that consumers must understand before making a decision. If you're considering long-term care coverage, this video will save you from costly mistakes.Choosing Long-Term Care Insurance: AI VS a Real ExpertWelcome to Long-Term Care Insurance Now. Your trusted source for the latest insights, updates, and expert guidance on long-term...
2025-11-2108 minLong-Term Care Insurance NowOur Pledge to YouIn this episode, Scott A. Olson—co-founder of LTCShop.com and long-time long-term care insurance specialist—shares the pledge he makes to every client. As an independent agent, he listens first, compares multiple top policies, and recommends only the coverage that is best for you.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. Olson, CLTC, a nationally recognized expert with...
2025-11-1503 minLong-Term Care Insurance NowHow to Buy LTC Insurance in Four StepsIn this episode, Scott A. Olson, CLTC, walks you through our straightforward four-step process to buying long-term care insurance. From your introductory call to reviewing your approved policy, you'll see exactly how we help you compare options, complete your application, and ensure your coverage truly fits your needs and budget. Whether you're just starting to explore long-term care insurance or ready to apply, this video will show you what to expect every step of the way.Welcome to Long-Term Care Insurance Now. Your trusted source for the latest insights, updates, and expert guidance on long-term care insurance...
2025-11-1305 minLong-Term Care Insurance NowWhy the New York Times Called Long-Term Care Insurance "Risky" (Part 8)In this episode, Scott A. Olson examines why The New York Times called long-term care insurance "risky" and exposes how the article misrepresented the real meaning behind that label. He explains that older policies from the 1990s and early 2000s were underpriced and placed financial strain on some insurers, whereas today's policies are accurately priced and stable.Why Long-Term Care Insurance Falls Short for So Many, Nov. 22, 2023Welcome 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...
2025-11-0806 minLong-Term Care Insurance NowWhat the New York Times Got Wrong About Long-Term Care Insurance (Part 7)In this episode, Scott A. Olson uses humor and a bit of automotive history to highlight the New York Times' bias against long-term care insurance. He compares the notoriously unreliable Yugo to Penn Treaty, a small, financially weak long-term care insurer whose failure the New York Times used to claim the whole industry was collapsing. Scott explains that Penn Treaty’s downfall stemmed from mismanagement and that today’s leading long-term care insurers are financially strong.Why Long-Term Care Insurance Falls Short for So Many, Nov. 22, 2023Collapse of Long-Term Care Insurer Reflects Deep Industry Woes
2025-11-0505 minLong-Term Care Insurance NowHow the New York Times Miscalculated Long-Term Care Costs (Part 6)In this episode, Scott Olson, co-founder of LTCShop.com and author of Long-Term Care Insurance Now, examines errors in the most popular New York Times article about long-term care insurance. He highlights how miscalculations, like confusing premiums, lead to inaccurate portrayals of costs and benefits. Scott clarifies historical pricing and explains why media mistakes matter for consumers making financial decisions.New York Times: Why Long-Term Care Insurance Falls Short for So Many, Nov. 22, 2023Welcome to Long-Term Care Insurance Now. Your trusted source for the latest insights, updates, and expert guidance on long-term care insurance. This...
2025-11-0104 minLong-Term Care Insurance NowWhat the New York Times Got Right About Long-Term Care (Part 5)In this episode, Scott A. Olson highlights four key points the New York Times correctly identified about long-term care insurance. He discusses why it may not be suitable for everyone, how billions of claims benefit families annually, and the importance of inflation protection. With his decades of experience, he provides insights for anyone considering long-term care planning.New York Times: Why Long-Term Care Insurance Falls Short for So Many, Nov. 22, 2023NAIC Long-Term Care Insurance Experience ReportWelcome to Long-Term Care Insurance Now. Your trusted source for the latest insights, updates, and expert guidance...
2025-10-2906 minLong-Term Care Insurance NowWhat the New York Times Gets Half-Right about "Wildly Inadequate" LTCi (Part 4)In this episode, Scott A. Olson, CLTC, takes a closer look at another “half-truth” from The New York Times' 2023 article on long-term care insurance. The Times claimed that the private insurance market has proved “wildly inadequate,” yet also described policyholders as “savvy consumers” for keeping their inadequate policies. Scott reveals that the real issue isn’t policy quality, but how few Americans actually own long-term care coverage. The New York Times articles mentioned.Why Long-Term Care Insurance Falls Short for So Many, Nov. 22, 2023Welcome to Long-Term Care Insurance Now. Your trusted source for the latest insights...
2025-10-2506 minLong-Term Care Insurance NowHalf-Truths the New York Times Shared about Long-Term Care Insurance (Part 3)In this episode, Scott A. Olson breaks down two "half-truths" from the 2023 New York Times article on long-term care insurance. He explains why so many companies stopped selling traditional LTC insurance more than 20 years ago and how new regulations, falling interest rates, and industry consolidation shaped the market. Scott also reveals why many people are denied coverage, not because underwriting has gotten stricter, but because they wait too long to apply. The New York Times articles mentioned.Why Long-Term Care Insurance Falls Short for So Many, Nov. 22, 2023Welcome to Long-Term Care Insurance Now. Your t...
2025-10-2208 minLong-Term Care Insurance NowWhat the NY Times Gets Wrong About New LTCi Policies (Part 2)In this episode of LTCi Now, Scott A. Olson reveals key facts about long-term care insurance that the New York Times completely left out of its 2023 article. First, he explains that policies sold before 1993 were terrible. Second, he highlights how new pricing rules and rate stability regulations protect today's policyholders. And third, he introduces Long-Term Care Partnership Programs that make quality coverage affordable for the middle class.The New York Times articles mentioned.Why Long-Term Care Insurance Falls Short for So Many, Nov. 22, 2023Welcome to Long-Term Care Insurance Now. Your trusted source for the...
2025-10-1810 minLong-Term Care Insurance NowWhat the New York Times Gets Wrong About LTC Insurance (Part 1)In this episode, Scott A. Olson discusses how the New York Times has repeatedly published misleading and negative articles about long-term care insurance. He argues that the coverage actually works. Scott explains that despite these recurring negative headlines, the industry remains strong and reliable. U.S. Department of Health and Human Services: National Long-Term Care Insurance Claims Decision StudyNew York Times articles mentioned.Why Long-Term Care Insurance Falls Short for So Many, Nov. 22, 2023Long-Term Care Insurance Can Baffle, With Complex Policies and Costs,Dec. 18, 2015When a Safety Net I...
2025-10-1606 minLong-Term Care Insurance NowLet's Talk AveragesIn this episode, Scott challenges the common financial-planning mistake of relying on averages when preparing for long-term care. He explains that just planning for retirement income to last only until the "average life expectancy" is misguided. Long-term care insurance, he concludes, exists precisely to solve this uncertainty and protect retirement portfolios from the unpredictable costs of care.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.
2025-10-1106 minLong-Term Care Insurance NowOne of the Best Ways to Self-Insure for Long-Term CareIn this episode, host Scott A. Olson explores one of the most effective strategies for those considering how to self-insure for long-term care: asset-based long-term care insurance. He outlines how asset-based LTC products leverage existing assets to provide tax-efficient, flexible coverage that can multiply the value of every dollar set aside for care.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...
2025-10-0806 minLong-Term Care Insurance NowPractical Guidance for Self-Insuring Your Long-Term CareIn this episode, Scott A. Olson shares practical steps for those planning to self-insure for long-term care. He warns that care costs can far exceed expectations, often wiping out savings. Scott explains how long-term care insurance provides immediate support, reduces family stress, and preserves relationships when caregiving becomes a reality.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. Olson...
2025-10-0406 minLong-Term Care Insurance NowWhen is the Best Time to Buy Long-Term Care Insurance?In this episode, Scott A. Olson, co-founder of LTCShop.com and author of Long-Term Care Insurance Now, answers the question: What’s the best age to buy 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. Olson, CLTC, a nationally recognized expert with over 25 years of experience in the field. His work has been featured in the Ne...
2025-10-0107 minLong-Term Care Insurance NowRoth IRAs: Third Worst Way to Pay for Long-Term CareIn this episode, Scott A. Olson reveals why using a Roth IRA to self-insure for long-term care is one of the worst strategies. While Roth IRAs are an incredible tool for retirement savings and passing wealth to heirs, spending them on long-term care undermines their most significant advantages. Instead, Scott explains that traditional IRAs and 401(k)s are more tax-efficient for covering care costs since withdrawals are taxable but can be offset by medical expense deductions.Welcome to Long-Term Care Insurance Now. Your trusted source for the latest insights, updates, and expert guidance on long-term care insurance...
2025-09-2703 minLong-Term Care Insurance NowHSAs: Second Worst Way to Pay for Long-Term CareIn 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-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. Olson, CLTC, a nationally...
2025-09-2410 minLong-Term Care Insurance NowThe Worst Way to Self-Insure for Long-Term CareIn 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, financial, and physical burdens without guidance.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...
2025-09-1704 minLong-Term Care Insurance NowEasily Compare Hybrid and Traditional Long-Term Care PoliciesIn 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 health histories, shorter payment schedules, international coverage, unlimited benefits, and the ability to pay family caregivers.Welcome to Long-Term Care Insurance Now. Your trusted source for the latest insights, updates, and expert guidance on...
2025-09-1508 minLong-Term Care Insurance NowLessons from My Caregiving ExperienceIn 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 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. Olson, CLTC, a nationally recognized expert with o...
2025-09-0716 minLong-Term Care Insurance NowThe Easy Way to File A Long Term Care Insurance (LTCi) ClaimFiling 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 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...
2025-09-0606 minLong-Term Care Insurance NowKey Differences Between Traditional LTC and Hybrid PoliciesOn 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 give her far more protection against rising care costs and ultimately chose it to secure her future care needs.Welcome to Long-Term Care Insurance Now. Your trusted source...
2025-09-0307 minLong-Term Care Insurance NowLet's Talk About ClaimsMany 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 policyholders. If you're considering long-term care insurance, this is essential information you need to know.Long-Term Care Insurance Experience Reports for 2023Long-Term Care Insurance Model ActWelcome to Long-Term Care Insurance Now. Your trusted...
2025-09-0305 minLong-Term Care Insurance NowHow does Private LTC Insurance Compare to the WA Cares Fund?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 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. Olson, CLTC, a nationally recognized expert with ov...
2025-08-2711 minLong-Term Care Insurance NowPublic Long-Term Care Insurance? What is the WA Cares Funds?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-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...
2025-08-2411 minLong-Term Care Insurance NowThe Best Annuities to Buy for Long-Term CareIn 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 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. Olson, CLTC, a nationally recognized expert with over 25 years...
2025-08-2005 minLong-Term Care Insurance NowThe Worst Annuities Used to Plan for Long-Term CareScott 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 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. Olson, CLTC, a nationally recognized expert...
2025-08-1610 minLong-Term Care Insurance NowRate Stability FAQsIn 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 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.
2025-08-1305 minLong-Term Care Insurance NowRate Increases! Rate Increases! Rate Increases!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 of the past.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 kn...
2025-08-1009 minLong-Term Care Insurance NowHow To Compare Hybrids (Part 2)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 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. Olson, CLTC, a nationally recognized expert...
2025-08-0606 minLong-Term Care Insurance NowHow To Compare Hybrids (Part 1)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. 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.
2025-08-0205 minLong-Term Care Insurance NowThe Easiest Way to Get a Real Long-Term Care QuoteDiscover 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 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...
2025-07-3003 minLong-Term Care Insurance NowShould I Buy a Hybrid Policy?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, 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. Olson...
2025-07-2606 minLong-Term Care Insurance NowHow to Compare Long-Term Care Policies?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 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. Olson, CLTC...
2025-07-2306 minLong-Term Care Insurance NowHow Much Does Long-Term Care Insurance Cost?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 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. Olson, CLTC, a nationally recognized exper...
2025-07-2005 minLong-Term Care Insurance NowThe 28 Hats of a Caregiver: A Tribute to My WifeEven 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 by a strong, long-term care insurance policy.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...
2025-07-1605 minLong-Term Care Insurance NowLong-Term Care Expert Reviews "Caregiving" - Part 2In 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 other national and trade publications. Scott has helped thousands of individuals and families navigate the complex world of long-term care planning.Learn more at https://www...
2025-07-1204 minLong-Term Care Insurance NowThe 5 Types of Stress Caregivers Face EverydayIn 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.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 other national and trade publications. Scott ha...
2025-07-0910 minLong-Term Care Insurance NowThe Easiest Way to Shop for Long-Term Care InsuranceIn 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. 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 other national and trade publications. Scott has help...
2025-07-0904 minLong-Term Care Insurance NowLong-Term Care Expert Reviews "Caregiving" - Part 1In 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 missedHosted 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 other national and trade publications. Scott has helped thousands of individuals and families navigate the complex world of long-term care planning.Learn more at https://www...
2025-07-0606 minLong-Term Care Insurance NowHow Recovery Policies Can Help Cover Long-Term CareIn 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 comprehensive coverage. 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 other national and trade publications. Scott has helped thousands of indiv...
2025-06-2611 minLong-Term Care Insurance NowEasy Approval Long-Term Care Insurance (EZ-LTC)In this video, Scott shares his #1 recommendation for anyone who has been declined for long-term care insurance: "Easy Approval Long-Term Care Insurance," which he calls EZ-LTC, for short.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. Olson, CLTC, a nationally recognized expert with over 25 years of experience in the field. His work has been featured in the New York T...
2025-06-0404 minLong-Term Care Insurance NowThe RIGHT Way to Buy Long-Term Care InsuranceFor years, Scott's approach to selling long-term care insurance was fundamentally flawed. But over two decades ago, everything changed for him because of one client: Mrs. Robinson.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. 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, a...
2025-06-0404 minLong-Term Care Insurance NowHave you been declined for long-term care insurance?Have you been declined for long-term care insurance? In this video, Scott shares what to do if you’ve been declined for long-term care insurance and guides you through the next steps. Getting denied doesn’t mean you’re out of options. There are still innovative, practical strategies you can use to plan for your future and protect yourself and your loved ones.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 inform...
2025-06-0302 minLong-Term Care Insurance NowAlternatives to LTCi - Should I use a Chronic Illness Rider? Part 3What alternatives to LTCi are out there? How do I know which one is right for me?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. 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 other national and trade publications. Scott has helped thousands o...
2020-07-2813 minLong-Term Care Insurance NowAlternatives to LTCi - Should I use a Chronic Illness Rider? Part 2What alternatives to LTCi are out there? How do I know which one is right for me?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. 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 other national and trade publications. Scott has helped thousands o...
2020-07-2311 minLong-Term Care Insurance NowAlternatives to LTCi - Should I use Chronic Illness Rider? Part 1What alternatives to LTCi are out there? How do I know which one is right for me?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. 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 other national and trade publications. Scott has helped thousands o...
2020-07-1412 minLong-Term Care Insurance NowAlternatives to LTCi - Should I use a QLAC?Today, Scott answers the question: What is a Qualified Longevity Annuity Contract (QLAC)? Should you use it for your long-term care?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. 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 other national and trade publications. S...
2020-07-0911 minLong-Term Care Insurance NowAlternatives to LTCi - Should I use a Roth IRA?Today, Scott answers the question: Should you use a Roth IRA for your long-term care?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. 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 other national and trade publications. Scott has helped thousands of individuals a...
2020-07-0711 minLong-Term Care Insurance NowAlternatives to LTCi - Can I use a Health Savings Account (HSA)? Part 2Today, Scott answers the question: Can I use a Health Savings Account (HSA)? Should I use it for my long-term care?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. 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 other national and trade publications. S...
2020-07-0213 minLong-Term Care Insurance NowAlternatives to LTCi - Can I use a Health Savings Account (HSA)? Part 1Today, Scott answers the question: Can I use a Health Savings Account (HSA)? Should I use it for my long-term care?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. 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 other national and trade publications. S...
2020-07-0110 minLong-Term Care Insurance Now7 K.E.Y. Questions: SummaryToday, Scott reviews the 7 K.E.Y. questions you need to ask before buying long-term care insurance in this final summary.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. 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 other national and trade publications. S...
2020-06-2511 minLong-Term Care Insurance Now7 K.E.Y. Questions: Will Premiums Increase with the Benefits?Today, Scott reviews the 7 K.E.Y. questions you need to ask before buying long-term care insurance. Question #7: Will premiums increase with the benefits?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. 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 other national a...
2020-06-2311 minLong-Term Care Insurance Now7 K.E.Y. Questions: Will the policy stay in force to age 100?Today, Scott reviews the 7 K.E.Y. questions you need to ask before buying long-term care insurance. Question #6: Will the policy stay in force to age 100?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. 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...
2020-06-1809 minLong-Term Care Insurance Now7 K.E.Y. Questions: Does the lifetime Maximum Grow?Today, Scott reviews the 7 K.E.Y. questions you need to ask before buying long-term care insurance. Question #5: Does the lifetime maximum grow?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. 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 other national and t...
2020-06-1709 minLong-Term Care Insurance Now7 K.E.Y. Questions: What will the Monthly Benefit Be?Today, Scott reviews the 7 K.E.Y. questions you need to ask before buying long-term care insurance. Question #4: What will the Monthly Benefit Be?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. 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 other national a...
2020-06-1109 minLong-Term Care Insurance Now7 K.E.Y. Questions: What's the Monthly Benefit?Today, Scott reviews the 7 K.E.Y. questions you need to ask before buying long-term care insurance. Question #3: What's the monthly benefit?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. 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 other national and trade p...
2020-06-0908 minLong-Term Care Insurance Now7 K.E.Y. Questions: Are you LTC Partnership Certified?Today, Scott reviews the 7 K.E.Y. questions you need to ask before buying long-term care insurance. Question #2: Are you LTC partnership certified?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. 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 other national and t...
2020-06-0409 minLong-Term Care Insurance Now7 K.E.Y. Questions: Which Type of Policy?Today, Scott reviews the 7 K.E.Y. questions you need to ask before buying long-term care insurance. Question #1: Which type of policy? 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. 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 other national and trade pu...
2020-06-0207 min