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…
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Is locking your house into an irrevocable trust really the best way to protect your assets from long-term care costs? Long-term care insurance expert Scott A. Olson breaks down the hidden risks of using Medicaid asset protection trusts, including loss of control, limited facility choices, and long waiting lists. He explains why relying on Medicaid often restricts your care to lower-quality…
Can you really self-fund your long-term care by investing in a Health Savings Account instead of buying insurance? In this episode, Scott A. Olson breaks down the flawed logic behind using an HSA for long-term care and reveals why this strategy leaves your retirement exposed to major tax and timing risks. You will see the real comparison between relying on an estimated $292K HSA balance and…
Is long-term care insurance truly harder to buy, or are common financial myths steering consumers in the wrong direction? Scott A. Olson breaks down a recent Clark Howard article to debunk major misconceptions around modern underwriting, Medicaid qualification, and hybrid policies. Learn why long-term care is the single largest unhedged financial risk to your retirement nest egg and how proactive…
In this episode, Scott A. Olson, co-founder of LTCShop.com, debunks the myth of self-funding long-term care and explains why every successful plan requires legal care documents, funding and a dedicated care circle. Through real-life stories, Scott illustrates how having a clear claims plan and proper coverage protects family caregivers, prevents forced asset liquidation, and preserves estate value…
Filing a long-term care insurance claim can be an overwhelming administrative battle for family members, especially when the policyholder is already facing severe health or cognitive decline. In this episode, Scott A. Olson, co-founder of LTCShop.com and author of Long-Term Care Insurance Now, breaks down the five major roadblocks in the claims process. Drawing on a real-life family case study, he…
In this episode, long-term care specialist Scott A. Olson breaks down the real-life client profile of "Donna," a 70-year-old widow who secured over $250,000 in long-term care coverage despite recent mobility challenges. Scott debunks common hybrid policy myths and explains how waiting for full rehabilitation after a severe foot injury allowed Donna to qualify for a traditional partnership policy.…
In this episode, Scott A. Olson breaks down why self-insuring for long-term care often fails to make financial sense, even for individuals with an eight-figure net worth. Drawing from a Bogleheads forum debate, this video reveals how maintaining long-term care insurance protects your assets. Beyond portfolio defense, it helps you access care and eliminates emotional friction among family members…
In this episode of Long-Term Care Insurance Now , nationally recognized expert Scott A. Olson addresses the top objections and fears consumers face when considering long-term care insurance. Scott cuts through industry myths to break down insurer solvency, the reality of filing claims without stress, and why insurance offers immediate financial leverage that standard investments can't match. He…
What happens when you ask a financial generalist for long-term care insurance? In Part 2 of this head-to-head comparison, Scott A. Olson contrasts an Indexed Universal Life (IUL) policy sold to a 54-year-old with a true, asset-based long-term care hybrid policy for the exact same $15,000 annual budget. Buy my book on Amazon: https://zurl.co/6YK23 Listen to the podcast: https://zurl.co/dtGSK Watch…
In this episode, Scott A. Olson breaks down a real-world case study of "Gene," a 54-year-old who set out to protect his savings from future long-term care costs but was sold an Indexed Universal Life (IUL) policy. Using his "Seven K.E.Y. Questions" framework, Scott reveals how this policy leaves buyers with zero guaranteed long-term care benefits and a plan that could completely lapse if they need…
In this episode, long-term care insurance expert Scott A. Olson uses a real-world case study to reveal how a pitch for life insurance with a chronic illness rider falls short as a long-term care strategy. By putting the proposal through his Seven K.E.Y. Questions test, Scott exposes hidden pages, non-guaranteed values, and the heavy impact of inflation on weak benefit pools. See how a properly…
In this episode, long-term care specialist Scott A. Olson shares a real-world case study about a couple who bought a hybrid life insurance policy, only to realize it still left them vulnerable to long-term care costs. By subjecting their policy to his "Seven K.E.Y. Questions" test, Scott shows how the fine print capped their benefits against inflation and risked the policy lapsing entirely when…
In this final episode of our miniseries, we reveal the last two crucial questions you must ask before purchasing long-term care insurance. Scott exposes dangerous premium traps and contrasts the real costs of different inflation protection riders. He explains why you must demand to see the "guaranteed values" page of a contract. Ready to take the guesswork out of your future? Head over to…