Preparing For Tomorrow podcast

By Diane Stoddart, Certified Long Term Care Consultant, CLTC

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Episodes: 166

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
How can I be sure the insurance company will keep their promise to pay?
Apr 17, 2024
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
Rate increases are the elephant in the room
Mar 06, 2024
Baseball and Long Term Care - What league are you in?
Feb 28, 2024
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
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
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
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
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
What does Tax-Qualified mean?
Sep 13, 2023
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
Can I use an annuity to fund my LTC plan and avoid taxes?
Aug 16, 2023
Can I use my IRA to fund an LTC plan for my spouse?
Aug 09, 2023
How is long term disability insurance different than LTC insurance?
Aug 02, 2023
Is it worth it to wait for better health?
Jul 26, 2023
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
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
What are the biggest mistakes people make when considering LTC insurance?
May 31, 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
When I Met Alzheimer's Face to Face
Feb 01, 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