Long-Term Care Insurance Now

By Scott A. Olson

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Episodes: 139

Description

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 and families navigate the complex world of long-term care planning.


Episode Date
22 Reasons Why LTC Insurance Is A LOT Better Today than 25 Years Ago: Part 1
Oct 08, 2026
Part 3 of 3: The Worst Long-Term Care Policy I've Ever Seen
Oct 04, 2026
Part 2 of 3: The Worst Long-Term Care Policy I've Ever Seen
Sep 30, 2026
Part 1 of 3: The Worst Long-Term Care Policy I've Ever Seen
Sep 23, 2026
Seven Reasons to Buy a Traditional LTC Insurance Policy
Sep 19, 2026
The Best Long-Term Care "Bucket" You Can Buy
Sep 16, 2026
The Best Way to Fund Long-Term Care Expenses with an HSA
Sep 06, 2026
How to Fund Long-Term Care Tax-Free: The Power of Life and Annuity LTC Hybrids
Sep 03, 2026
Can Putting Your House in an Irrevocable Trust for Medicaid Backfire?
Aug 27, 2026
Can You Use an HSA to Self-Insure for Long-Term Care? (Why the Math Fails)
Aug 23, 2026
Is Long-Term Care Insurance Harder to Buy? Why Clark Howard Got It Wrong!
Aug 19, 2026
The Care Circle & The Administrative Burden of Aging
Aug 15, 2026
Why You Can’t (and Shouldn’t) File an LTCi Claim Alone
Aug 13, 2026
Why Donna Chose Traditional LTCi Over a Hybrid After Her Husband’s 7 Years of Care
Aug 08, 2026
Why Self-Insuring for Long-Term Care Makes No Sense (Even with an 8-figure Net Worth)
Aug 06, 2026
Busting Common LTCi Myths: What if the insurance company goes out of business?
Aug 02, 2026
IUL vs. True Hybrid LTC: Head-to-Head $150,000 Case Study (Gene's Story) Part 2
Jul 29, 2026
The $150,000 IUL Trap: Why Chronic Illness Riders Fail at Age 80 (Gene’s Story) Part 1
Jul 26, 2026
Why 95% of Financial Advisors Recommend the Wrong Long-Term Care Policy (Case Study: Tony & Natalie)
Jul 22, 2026
Lapsing at 84: Is Your Life Insurance Policy a Ticking Time Bomb?
Jul 18, 2026
Seven K.E.Y. Questions for Long-Term Care Planning (Part 3)
Jul 15, 2026
Seven K.E.Y. Questions for Long-Term Care Planning (Part 2)
Jul 11, 2026
Seven K.E.Y. Questions for Long-Term Care Planning (Part 1)
Jul 09, 2026
The Hidden Trap in the New York Long Term Care Trust Act
Jul 04, 2026
Episode 100 Celebration: Scott Answers Your Questions (Part 3)
Jul 01, 2026
Episode 100 Celebration: Scott Answers Your Questions (Part 2)
Jun 27, 2026
Episode 100 Celebration: Scott Answers Your Questions (Part 1)
Jun 25, 2026
Chronic Illness Traps! Inflation: The Silent Killer of Your Retirement (4 of4)
Jun 20, 2026
Chronic Illness Rider Traps! Don't Buy A Policy with an Unknown Benefit Amount (3 of 4)
Jun 17, 2026
Chronic Illness Rider Traps! The Hidden Flaws Your Financial Advisor Doesn't Understand (2 of 4)
Jun 13, 2026
Chronic Illness Rider Traps! The Risks of Using Life Insurance for Long-Term Care (1 of 4)
Jun 10, 2026
"I’m 55, married and want a $1.5 million long-term care policy."
Jun 06, 2026
The Psychology of LTC Planning
Jun 03, 2026
Debunking LTCi Planning Myths - Part 2
May 30, 2026
Debunking LTCi Planning Myths - Part 1
May 27, 2026
Three Questions to Ask Before You Buy LTCi
May 23, 2026
Elimination Period FAQs
May 20, 2026
How Many Types of Elimination Periods Are There?
May 17, 2026
Understanding Elimination Periods
May 13, 2026
Can You Get LTC Insurance with Migraines, HIV/AIDS, or Alzheimer’s?
May 09, 2026
Can You Get LTC Insurance with Cancer, Diabetes, or Bipolar Disorder?
May 06, 2026
Are Hybrids Easier to Qualify for than Traditional Policies?
Apr 30, 2026
Dissecting a Long-Term Care Insurance Complaint
Apr 25, 2026
The Truth About LTC Insurance Complaints (What Ratings Don’t Tell You)
Apr 22, 2026
How to Spot Misleading Insurance Company Ratings
Apr 18, 2026
Looking at Long-Term Care Insurance Complaints
Apr 15, 2026
Debating Traditional vs Hybrid LTC Insurance (Part 2)
Apr 11, 2026
Debating Traditional vs Hybrid LTC Insurance (Part 1)
Apr 08, 2026
Long-Term Care Is NOT End-of-Life Care
Apr 02, 2026
Why Have Rate Increases Changed? (Part 2)
Mar 21, 2026
Why Have Rate Increases Changed? (Part 1)
Mar 18, 2026
How to Find Long-Term Care Rate Increase History in Your State
Mar 15, 2026
The Best Kept Secret in Long-Term Care Insurance
Mar 08, 2026
The Harsh Realities of Long-Term Caregiving
Mar 05, 2026
Brian's Story: What to do if your spouse can't qualify for LTCi
Feb 18, 2026
Kevin and Kimberly's Story: Applying for LTCi After Two Declines
Feb 15, 2026
Can You Buy LTCi with Osteoporosis?
Feb 11, 2026
Kidney Disease and Long-Term Care Insurance (Part 2)
Feb 08, 2026
Kidney Disease and Long-Term Care Insurance (Part 1)
Feb 05, 2026
Your First Step to Buy Long-Term Care Insurance
Feb 01, 2026
Bob and Mindy's Story: Couple vs Individual Policies
Jan 28, 2026
Rod and Cassie's Story: Buying Long-Term Care Instantly Saved $40,000 in Taxes
Jan 24, 2026
Alan and Michelle's Story: How Buying Two Policies Saved Them Money
Jan 21, 2026
Steve and Marilyn's Story: Long-Term Care Planning with Annuities
Jan 17, 2026
Drew's Story: Why Buy an Unlimited Long-Term Care Annuity?
Jan 14, 2026
John and Mary's Story: Why Buy an Unlimited Long-Term Care Policy?
Jan 10, 2026
Jeff's Story: Unlimited Benefit Long-Term Care Policies
Jan 07, 2026
Peter's Story: When Underwriters Make A Mistake
Jan 03, 2026
Kenny's Story: Declined for Long-Term Care Insurance? What's next?
Dec 31, 2025
Barbara's Story: Can You Purchase Long-Term Care Insurance at 83?
Dec 28, 2025
Jason's Story: Buying Long-Term Care Insurance at Age 40?
Dec 24, 2025
Are Insurers "Fleeing" Long-Term Care Insurance?
Dec 21, 2025
Bill and Kim's Story: A Smart LTC Insurance Journey
Dec 17, 2025
Five Guarantees You Need in Long-Term Care Insurance
Dec 14, 2025
How to Evaluate Insurance Illustrations (It's All About the Guarantees)
Dec 10, 2025
How We Turned $40K to $878K with Long-Term Care Insurance (Part 2)
Dec 06, 2025
How We Turned $40K to $878K with Long-Term Care Insurance (Part 1)
Dec 03, 2025
The Hidden Cost of Self-Funding Your Long-Term Care
Nov 29, 2025
Long-Term Care Insurance is Portfolio Insurance
Nov 26, 2025
ChatGPT vs Long-Term Care Insurance Expert - Part 2
Nov 22, 2025
ChatGPT vs Long-Term Care Insurance Expert - Part 1
Nov 21, 2025
Our Pledge to You
Nov 15, 2025
How to Buy LTC Insurance in Four Steps
Nov 13, 2025
Why the New York Times Called Long-Term Care Insurance "Risky" (Part 8)
Nov 08, 2025
What the New York Times Got Wrong About Long-Term Care Insurance (Part 7)
Nov 05, 2025
How the New York Times Miscalculated Long-Term Care Costs (Part 6)
Nov 01, 2025
What the New York Times Got Right About Long-Term Care (Part 5)
Oct 29, 2025
What the New York Times Gets Half-Right about "Wildly Inadequate" LTCi (Part 4)
Oct 25, 2025
Half-Truths the New York Times Shared about Long-Term Care Insurance (Part 3)
Oct 22, 2025
What the NY Times Gets Wrong About New LTCi Policies (Part 2)
Oct 18, 2025
What the New York Times Gets Wrong About LTC Insurance (Part 1)
Oct 16, 2025
Let's Talk Averages
Oct 11, 2025
One of the Best Ways to Self-Insure for Long-Term Care
Oct 08, 2025
Practical Guidance for Self-Insuring Your Long-Term Care
Oct 04, 2025
When is the Best Time to Buy Long-Term Care Insurance?
Oct 01, 2025
Roth IRAs: Third Worst Way to Pay for Long-Term Care
Sep 27, 2025
HSAs: Second Worst Way to Pay for Long-Term Care
Sep 24, 2025
The Worst Way to Self-Insure for Long-Term Care
Sep 17, 2025
Easily Compare Hybrid and Traditional Long-Term Care Policies
Sep 15, 2025
Lessons from My Caregiving Experience
Sep 07, 2025
The Easy Way to File A Long Term Care Insurance (LTCi) Claim
Sep 06, 2025
Key Differences Between Traditional LTC and Hybrid Policies
Sep 03, 2025
Let's Talk About Claims
Sep 03, 2025
How does Private LTC Insurance Compare to the WA Cares Fund?
Aug 27, 2025
Public Long-Term Care Insurance? What is the WA Cares Funds?
Aug 24, 2025
The Best Annuities to Buy for Long-Term Care
Aug 20, 2025
The Worst Annuities Used to Plan for Long-Term Care
Aug 16, 2025
Rate Stability FAQs
Aug 13, 2025
Rate Increases! Rate Increases! Rate Increases!
Aug 10, 2025
How To Compare Hybrids (Part 2)
Aug 06, 2025
How To Compare Hybrids (Part 1)
Aug 02, 2025
The Easiest Way to Get a Real Long-Term Care Quote
Jul 30, 2025
Should I Buy a Hybrid Policy?
Jul 26, 2025
How to Compare Long-Term Care Policies?
Jul 23, 2025
How Much Does Long-Term Care Insurance Cost?
Jul 20, 2025
The 28 Hats of a Caregiver: A Tribute to My Wife
Jul 16, 2025
Long-Term Care Expert Reviews "Caregiving" - Part 2
Jul 12, 2025
The Easiest Way to Shop for Long-Term Care Insurance
Jul 09, 2025
The 5 Types of Stress Caregivers Face Everyday
Jul 09, 2025
Long-Term Care Expert Reviews "Caregiving" - Part 1
Jul 06, 2025
How Recovery Policies Can Help Cover Long-Term Care
Jun 26, 2025
Easy Approval Long-Term Care Insurance (EZ-LTC)
Jun 03, 2025
The RIGHT Way to Buy Long-Term Care Insurance
Jun 03, 2025
Have you been declined for long-term care insurance?
Jun 03, 2025
Alternatives to LTCi - Should I use a Chronic Illness Rider? Part 3
Jul 28, 2020
Alternatives to LTCi - Should I use a Chronic Illness Rider? Part 2
Jul 23, 2020
Alternatives to LTCi - Should I use Chronic Illness Rider? Part 1
Jul 14, 2020
Alternatives to LTCi - Should I use a QLAC?
Jul 09, 2020
Alternatives to LTCi - Should I use a Roth IRA?
Jul 07, 2020
Alternatives to LTCi - Can I use a Health Savings Account (HSA)? Part 2
Jul 02, 2020
Alternatives to LTCi - Can I use a Health Savings Account (HSA)? Part 1
Jul 01, 2020
7 K.E.Y. Questions: Summary
Jun 25, 2020
7 K.E.Y. Questions: Will Premiums Increase with the Benefits?
Jun 23, 2020
7 K.E.Y. Questions: Will the policy stay in force to age 100?
Jun 18, 2020
7 K.E.Y. Questions: Does the lifetime Maximum Grow?
Jun 17, 2020
7 K.E.Y. Questions: What will the Monthly Benefit Be?
Jun 11, 2020
7 K.E.Y. Questions: What's the Monthly Benefit?
Jun 09, 2020
7 K.E.Y. Questions: Are you LTC Partnership Certified?
Jun 04, 2020
7 K.E.Y. Questions: Which Type of Policy?
Jun 02, 2020