Preparing For Tomorrow podcast
By Diane Stoddart, Certified Long Term Care Consultant, CLTC
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Episodes: 218
Description
Diane Stoddart, Certified Long Term Care Consultant, will show you how to protect your family and loved ones from the financial, physical and emotional burdens and consequences when long term care is needed.
In each episode, Diane will help you to navigate through long term care concepts, terms and options and to discuss what strategies are available that can best protect both your family and your nest egg.
We will invite guests to sit with us and share ideas regarding various parts of our lives as they relate to long term care planning.
| Episode | Date |
|---|---|
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More people with memory concerns at younger ages - limits options severely
|
May 08, 2025 |
|
Guest interview: Mike Simenstad with NGL - How LTC plans and planning has evolved
|
May 01, 2025 |
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I want to buy an LTC policy for my parents
|
Apr 24, 2025 |
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What tax advantages are you overlooking?
|
Apr 17, 2025 |
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In this economy, it's even more important to have a plan
|
Apr 10, 2025 |
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30 years of retirement needs 30 years of LTC protection
|
Apr 03, 2025 |
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Don't do these things until after you've considered LTC insurance options
|
Mar 27, 2025 |
|
Case Study: Is age 79 too late to buy LTC insurance?
|
Mar 20, 2025 |
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Questions 9 & 10 - Nursing homes? Paying family?
|
Mar 13, 2025 |
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Question 8 - How long will I need to pay my LTC premiums?
|
Mar 06, 2025 |
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Question 7 - Does Medicare pay for long term care?
|
Feb 27, 2025 |
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Question 6 - What's the best age to buy LTC insurance?
|
Feb 20, 2025 |
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Question 5 - Are there tax deductions when I own LTC insurance?
|
Feb 13, 2025 |
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Question 4 Part 2 - Annuities: can I get my money back if I don't need care?
|
Feb 06, 2025 |
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Question 4 - Can I get money back if I don't need care?
|
Jan 30, 2025 |
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Question 3 - What is an Elimination Period?
|
Jan 23, 2025 |
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Question 2 - How much insurance do I need?
|
Jan 16, 2025 |
|
Question 1 - What does LTC insurance pay for?
|
Jan 09, 2025 |
|
Reason For The Season - Song for you to enjoy from us
|
Dec 24, 2024 |
|
Notice who is helping who this holiday season
|
Dec 19, 2024 |
|
2 years ago...
|
Dec 12, 2024 |
|
Case Study: Joe 71 & Jenny 72 single premium life/LTC hybrid plan
|
Dec 05, 2024 |
|
Our Thanksgiving card and song for you
|
Nov 28, 2024 |
|
Guest interview: Lynda Krueger with Owl Be There Tampa
|
Nov 21, 2024 |
|
Gio wants a plan that does EVERYTHING and more
|
Nov 14, 2024 |
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Do I need to use the whole benefit every month?
|
Nov 07, 2024 |
|
The nursing home costs $13,000/month. Will the state take my house to pay for it?
|
Oct 31, 2024 |
|
Do You Ever Get Depressed Talking about This Stuff?
|
Oct 24, 2024 |
|
What are the biggest mistakes people make when considering LTC insurance?
|
Oct 17, 2024 |
|
We made it through Milton and are feeling blessed
|
Oct 12, 2024 |
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We're in Tampa and are staying here throuh Milton
|
Oct 09, 2024 |
|
We made it through hurricane Helene, but too many didn't - What does that have to do with LTC ?
|
Oct 03, 2024 |
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Why & when would an insurance company not approve and pay a claim?
|
Sep 26, 2024 |
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$25,000-$30,000 per month for home care and assisted living?
|
Sep 19, 2024 |
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They're selling EVERYTHING to qualify for Medicaid
|
Sep 12, 2024 |
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Make that inherited IRA create tax-free LTC benefits
|
Sep 05, 2024 |
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What's better than leaving an inheritance?
|
Aug 29, 2024 |
|
Tom said he doesn't think he'll ever need LTC, so why should he buy a policy?
|
Aug 22, 2024 |
|
Asking the intrusive health questions gets more approvals
|
Aug 15, 2024 |
|
Questions I hate to get
|
Aug 08, 2024 |
|
What questions do we get most often?
|
Aug 01, 2024 |
|
Why is it important to work with a LTC Planning Specialist?
|
Jul 25, 2024 |
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What's a 1035 exchange?
|
Jul 11, 2024 |
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What if I die before using all my LTC benefits?
|
Jul 04, 2024 |
|
They said I was too big to qualify for LTC insurance. What can I do to protect my family?
|
Jun 26, 2024 |
|
When I Met Alzheimer's Face to Face
|
Jun 19, 2024 |
|
My lifetime of mistakes that you shouldn't make - really only 3 of them
|
Jun 12, 2024 |
|
Case Study - he turned $100K taxable gains into over $500K tax-free LTC benefits
|
Jun 05, 2024 |
|
Pension Protection Act - create tax-free LTC income using taxable gains on non-qualified annuities
|
May 29, 2024 |
|
We think we're saving on premiums, but what's the real cost of waiting?
|
May 22, 2024 |
|
I promised your mom
|
May 15, 2024 |
|
Interview: Jay Zigmont with Childfree Wealth - Who's going to bring me my chips?
|
May 08, 2024 |
|
How can we afford to pay $270K annually for care in 30 years?
|
May 01, 2024 |
|
Home Care Costs Increased over 14% March 2023 to March 2024!!!
|
Apr 24, 2024 |
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How can I be sure the insurance company will keep their promise to pay?
|
Apr 17, 2024 |
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Where is the urgency?
|
Apr 10, 2024 |
|
How can I be sure I can live at home no matter what happens to me?
|
Apr 03, 2024 |
|
Is the LTC plan my company is offering the same as one I can buy on my own?
|
Mar 27, 2024 |
|
Questions we can't answer today need to be addressed anyway
|
Mar 20, 2024 |
|
The LTC plan everyone needs - with or without insurance
|
Mar 13, 2024 |
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Rate increases are the elephant in the room
|
Mar 06, 2024 |
|
Baseball and Long Term Care - What league are you in?
|
Feb 28, 2024 |
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What happens at claim time?
|
Feb 22, 2024 |
|
Peace - Love - Joy - Hope
|
Feb 14, 2024 |
|
Case Study - If she had an cash indemnity plan, it would be so much easier
|
Feb 07, 2024 |
|
Which words help and which damage our ability to plan for or receive LTC benefits?
|
Jan 31, 2024 |
|
What are our parents thinking? And why?
|
Jan 24, 2024 |
|
What is Underwriting? What is reverse underwriting?
|
Jan 17, 2024 |
|
Welcome to Preparing For Tomorrow 2024!
|
Jan 10, 2024 |
|
Marry Christmas - Happy Holidays - Welcome 2024!
|
Dec 20, 2023 |
|
Can I stop/pause benefits after I start using my LTC insurance?
|
Dec 13, 2023 |
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Will you review my LTC policy and tell me if it's right for my needs?
|
Dec 06, 2023 |
|
LTC Awareness Month - Physical - I'm tired, and I have to stop!
|
Nov 29, 2023 |
|
LTC Awareness Month - Caregiver strain - SOCIAL
|
Nov 22, 2023 |
|
LTC Awareness Month- Caregiver Strain- Emotional
|
Nov 15, 2023 |
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LTC Awareness Month - Caregiver strain - MONEY
|
Nov 08, 2023 |
|
LTC Awareness Month - Caregiver strain- TIME
|
Nov 01, 2023 |
|
If I move to another state or country, will I need to buy a new plan?
|
Oct 25, 2023 |
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Is there a time limit for me to use my LTC benefits?
|
Oct 18, 2023 |
|
What are consequences of waiting to buy?
|
Oct 11, 2023 |
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Don't do this to your kids!!!
|
Oct 04, 2023 |
|
What can I do if my LTC company increases my premium?
|
Sep 27, 2023 |
|
Why do you need to know my financial information to get me a quote?
|
Sep 20, 2023 |
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What does Tax-Qualified mean?
|
Sep 13, 2023 |
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Should I include inflation protection in my LTC plan, even at the higher cost?
|
Sep 06, 2023 |
|
Hurricanes & Dementias - cone of uncertainty
|
Aug 30, 2023 |
|
Can the cash value in my life insurance be used to fund a LTC plan?
|
Aug 23, 2023 |
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Can I use an annuity to fund my LTC plan and avoid taxes?
|
Aug 16, 2023 |
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Can I use my IRA to fund an LTC plan for my spouse?
|
Aug 09, 2023 |
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How is long term disability insurance different than LTC insurance?
|
Aug 02, 2023 |
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Is it worth it to wait for better health?
|
Jul 26, 2023 |
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What are some pitfalls to watch for when considering LTC coverage options?
|
Jul 18, 2023 |
|
What are you really sacrificing when you wait to buy LTC insurance?
|
Jul 12, 2023 |
|
Prepare Today to Celebrate Independence Tomorrow
|
Jul 04, 2023 |
|
February Case Study: What if I was declined?
|
Jun 28, 2023 |
|
Why should we include our adult children when planning for LTC?
|
Jun 21, 2023 |
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How can we use the SECURE ACT to design tax-free LTC benefits?
|
Jun 14, 2023 |
|
How long will I have to pay premiums?
|
Jun 07, 2023 |
|
Do I need LTC insurance if I don't have a family to protect?
|
May 24, 2023 |
|
A plan for wherever you live and whoever is helping
|
May 17, 2023 |
|
Why is it important to have dedicated funds for care?
|
May 10, 2023 |
|
LTC insurance buys your family time to make better decisions for your care
|
May 04, 2023 |
|
Can we buy a small LTC policy today and add more coverage later?
|
Apr 26, 2023 |
|
Why can't I just get a quote?
|
Apr 19, 2023 |
|
LTC annuities with enhanced LTC benefits
|
Apr 12, 2023 |
|
Explain the phrase "protect assets equal to benefits paid"
|
Apr 05, 2023 |
|
Don't have LTC insurance? You still need a plan
|
Mar 29, 2023 |
|
How does a 1035 exchange work to add LTC benefits to my life insurance policy?
|
Mar 22, 2023 |
|
Same premium; very different tax deductions
|
Mar 15, 2023 |
|
What tax deductions are available with LTC insurance?
|
Mar 08, 2023 |
|
If I have enough money, do I really need LTC insurance?
|
Mar 02, 2023 |
|
Why should I start planning today?
|
Feb 22, 2023 |
|
How can we continue to bring you valuable content?
|
Feb 15, 2023 |
|
Premium increase or Waiver of Premium, which would you prefer?
|
Feb 08, 2023 |
|
I was just diagnosed with _____, can I still get the insurance?
|
Jan 25, 2023 |
|
Natural Consequences
|
Jan 11, 2023 |
|
Recap 2022 and Welcome 2023!
|
Jan 04, 2023 |
|
My Christmas Wish
|
Dec 20, 2022 |
|
Prepared or not prepared? - that is my question...
|
Dec 14, 2022 |
|
Is an LTC tax coming to my state?
|
Oct 18, 2022 |
|
Interview: Michael Anthony with Medicaid Success Select
|
Oct 12, 2022 |
|
Their advisor told them to wait 3 years to buy LTC coverage...
|
Sep 13, 2022 |
|
How long will they live?
|
Sep 06, 2022 |
|
Time to resettle into a smaller space? A senior move manager can make it easy
|
Aug 23, 2022 |
|
IRS rules change; client adds second plan to offset taxes
|
Aug 09, 2022 |
|
Interview: Michelle Thomas with The Colonnade at Carrollwood
|
Jul 27, 2022 |
|
Interview: Mary George with Best Years Senior Care
|
Jun 22, 2022 |
|
Bonnie said "That's not enough!"
|
Jun 07, 2022 |
|
Interview: Dean Lambert with The Love Always Project
|
May 25, 2022 |
|
When should a 31 year old be adding LTC to their retirement plan?
|
May 03, 2022 |
|
We need a plan for when life doesn't go as planned
|
Apr 26, 2022 |
|
April is tax season - learn what laws are in place to reduce taxes and protect assets
|
Apr 12, 2022 |
|
Where is the LTC industry headed?
|
Mar 30, 2022 |
|
Interview: Angelett Johnson with Small Assisted Living Coalition
|
Mar 22, 2022 |
|
How did Nancy choose to protect her family?
|
Mar 15, 2022 |
|
March Case Study - which benefits should Nancy select?
|
Mar 09, 2022 |
|
Is there an LTC plan that I can use to pay my daughter and for professional care?
|
Mar 01, 2022 |
|
Interview: Kelly's dad showed his love for her by preparing early
|
Feb 22, 2022 |
|
Love is letting our family manage our care rather than provide care when LTC is needed
|
Feb 15, 2022 |
|
What if I'm not sure what benefits or what company I want?
|
Feb 02, 2022 |
|
Interview with Psych-K facilitator and author Judy Kane
|
Jan 25, 2022 |
|
January Case Study Annuity LTC
|
Jan 11, 2022 |
|
If one company declines me, will all other companies do the same?
|
Jan 04, 2022 |
|
Wrapping up 2021!
|
Dec 22, 2021 |
|
If I have enough money, do I really need LTC insurance? Part 3
|
Dec 14, 2021 |
|
If I have enough money, do I really need LTC insurance? Part 2
|
Dec 08, 2021 |
|
How does the Alternate Plan of Care work?
|
Nov 10, 2021 |
|
Doreen's last chapter
|
Nov 02, 2021 |
|
Gotta pause....
|
Oct 27, 2021 |
|
Why can't I just get a quote online like with other insurance?
|
Oct 12, 2021 |
|
What does Contingent Non-Forfeiture mean? Is it on every LTC plan?
|
Oct 05, 2021 |
|
My husband's LTC insurance will end next month. What can I do to keep it active?
|
Sep 28, 2021 |
|
What is Restoration of Benefits? What other optional riders are available?
|
Sep 07, 2021 |
|
Will using the LTC benefit decrease the death benefit? How?
|
Aug 24, 2021 |
|
Coming soon to a state near you...
|
Aug 17, 2021 |
|
Can a corporation pay AND deduct LTC premiums for key employees?
|
Aug 03, 2021 |
|
Can I put my assets into a trust and ask Medicaid to pay for my LTC?
|
Jul 14, 2021 |
|
Celebrate Independence!!!
|
Jun 30, 2021 |
|
If I don't need care for 30 years, how do I choose a company today?
|
Jun 22, 2021 |
|
When I met Alzheimer's face to face
|
Jun 15, 2021 |
|
Our own LTC journey continues
|
Jun 08, 2021 |
|
I'm only 28 and need to opt out. What can I do?
|
Jun 01, 2021 |
|
How do I qualify for a preferred health discount?
|
May 12, 2021 |
|
What does LTC insurance cost? Then I'll know how much to get
|
Apr 28, 2021 |
|
How long is a typical nursing home stay?
|
Apr 14, 2021 |
|
Will Medicare payments for skilled care go toward my LTC elimination period?
|
Apr 07, 2021 |
|
What's the difference between long term care and hospice care?
|
Mar 31, 2021 |
|
How can I avoid paying the LTC Trust Act tax?
|
Mar 23, 2021 |
|
Why might someone be rejected for LTC insurance?
|
Mar 16, 2021 |
|
What about taxes?
|
Mar 09, 2021 |
|
Can I use my 401(k) to fund an LTC plan?
|
Feb 23, 2021 |
|
What happens when LTC insurance runs out?
|
Feb 16, 2021 |
|
How do I choose a home care agency?
|
Feb 02, 2021 |
|
Is all underwriting the same?
|
Jan 26, 2021 |
|
How do I open a claim for my parents?
|
Jan 19, 2021 |
|
Is there affordable LTC coverage if I lost income/employment during the pandemic?
|
Jan 12, 2021 |
|
Will a revocable trust protect my estate when LTC is needed?
|
Jan 06, 2021 |
|
Thankful to move on to 2021
|
Dec 29, 2020 |
|
Can someone age 81 get LTC coverage?
|
Dec 22, 2020 |
|
Will LTC insurance pay for home care only in my own home?
|
Dec 15, 2020 |
|
When is it too early to buy LTC coverage?
|
Dec 08, 2020 |
|
What's the benefit of a single pay linked benefit plan?
|
Dec 01, 2020 |
|
What's the benefit of a single pay LTC plan?
|
Nov 25, 2020 |
|
Is there a plan that can help my wife, who is in a wheelchair?
|
Nov 17, 2020 |
|
How much does LTC cost?
|
Nov 03, 2020 |
|
What is an elimination period? How does it work?
|
Oct 27, 2020 |
|
Why is there a waiting period if I change medication?
|
Oct 20, 2020 |
|
Pain is the Motivator
|
Oct 13, 2020 |
|
How much is enough LTC insurance?
|
Oct 06, 2020 |
|
How does COVID - 19 affect the LTC industry?
|
Sep 29, 2020 |
|
You Drive...We Navigate
|
Sep 22, 2020 |
|
Will insurance companies help my family find help when I need it?
|
Sep 15, 2020 |
|
Can I stop the benefits and restart later?
|
Sep 08, 2020 |
|
Seek an Expert
|
Sep 02, 2020 |
|
Is there an overlap with Medicare and LTC insurance?
|
Aug 25, 2020 |
|
What is an LTC Partnership Plan?
|
Aug 18, 2020 |
|
Can my spouse use my plan if I don't?
|
Aug 12, 2020 |
|
Prepare to be generous
|
Aug 05, 2020 |
|
Building Bridges
|
Jul 28, 2020 |
|
What's the youngest age to buy LTC insurance?
|
Jul 15, 2020 |
|
Is it ever too late to buy LTC insurance?
|
Jul 07, 2020 |
|
When caregivers get help helping...
|
Jun 30, 2020 |
|
Do I need to get a new policy after 3 or 5 years?
|
Jun 23, 2020 |
|
Can I use LTC insurance to pay my daughter?
|
Jun 16, 2020 |
|
Do I need a physical to get LTC insurance?
|
Jun 09, 2020 |
|
Quality of Life
|
Jun 03, 2020 |
|
Do I have to go to a nursing home with LTC insurance?
|
May 27, 2020 |
|
What does Medicare pay for?
|
May 20, 2020 |
|
How much insurance do I need?
|
May 13, 2020 |
|
What's the best age to buy LTC insurance?
|
May 06, 2020 |
|
Better...Calmer...More Restful
|
Apr 29, 2020 |
|
Interview with my husband/producer
|
Apr 01, 2020 |
|
When Health Interrupts Our Plans
|
Mar 12, 2020 |
|
Advocate vs. salesperson
|
Feb 26, 2020 |
|
Seamless Transitions
|
Feb 10, 2020 |
|
LTC and Estate Planning
|
Jan 26, 2020 |
|
When I Met Alzheimer's Face to Face
|
Jan 15, 2020 |
|
Why is planning important?
|
Sep 10, 2019 |