Long-Term Care Q&A Podcast: Recent Episodes
Scott A. Olson
Do you have questions about long term care insurance? The LTCi Q&A Podcast is the easiest place to get your long term care insurance questions answered. Hosted by Scott A. Olson, founder of LTCshop.com, he is a Certified Long Term Care (CLTC) specialist with over 25 years in the industry. Scott brings his LTC industry expertise and experience to every episode, to help you protect your money and plan for your future.
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. Learn how automatic 3% compound inflation protection and Medicaid dollar-for-dollar asset protection gave Donna complete peace of mind while safeguarding her estate for her heirs.
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Scott A. Olson, CLTC®, is co-founder of LTCShop.com and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.
Policy features, riders, and definitions mentioned in this article vary heavily by insurance carrier and state regulations. Partnership protections apply only to state-approved plans. Consult an LTCShop.com licensed specialist for specific carrier language.
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 during a health crisis. Learn why strategic risk transfer remains essential for preserving wealth, reducing family stress, and optimizing your overall retirement plan.
Buy my book on Amazon: https://zurl.co/6YK23
Listen to the podcast: https://zurl.co/dtGSK
Watch our YouTube channel: https://zurl.co/0DvqQ
Visit our website to learn more: https://zurl.co/8BxY3
Scott A. Olson, CLTC®, is co-founder of LTCShop.com and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.
Policy features, riders, and definitions mentioned in this article vary heavily by insurance carrier and state regulations. Partnership protections apply only to state-approved plans. Consult an LTCShop.com licensed specialist for specific carrier language.
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 also clarifies common misconceptions about facility restrictions and international coverage options for those planning to retire abroad. Watch to learn how to evaluate your options objectively and make an informed decision for your financial future.
Buy my book on Amazon: https://zurl.co/6YK23
Listen to the podcast: https://zurl.co/dtGSK
Watch our YouTube channel: https://zurl.co/0DvqQ
Visit our website to learn more: https://zurl.co/8BxY3
Scott A. Olson, CLTC®, is co-founder of LTCShop.com and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.
Policy features, riders, and definitions mentioned in this article vary heavily by insurance carrier and state regulations. Partnership protections apply only to state-approved plans. Consult an LTCShop.com licensed specialist for specific carrier language.
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 our YouTube channel: https://zurl.co/0DvqQ
Visit our website to learn more: https://zurl.co/8BxY3
Scott A. Olson, CLTC®, is co-founder of LTCShop.com and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.
Policy features, riders, and definitions mentioned in this article vary heavily by insurance carrier and state regulations. Partnership protections apply only to state-approved plans. Consult an LTCShop.com licensed specialist for specific carrier language.
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 care. Learn how to discover the common mistakes financial advisors make with LTC planning and how to ensure your life savings are genuinely protected.
Buy my book on Amazon: https://zurl.co/6YK23
Listen to the podcast: https://zurl.co/dtGSK
Watch our YouTube channel: https://zurl.co/0DvqQ
Visit our website to learn more: https://zurl.co/8BxY3
Scott A. Olson, CLTC®, is co-founder of LTCShop.com and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.
Policy features, riders, and definitions mentioned in this article vary heavily by insurance carrier and state regulations. Partnership protections apply only to state-approved plans. Consult an LTCShop.com licensed specialist for specific carrier language.
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 designed policy compares, offering guaranteed inflation protection and over $1.1 million in LTC benefits for the same premium.
Buy my book on Amazon: https://zurl.co/6YK23
Listen to the podcast: https://zurl.co/dtGSK
Watch our YouTube channel: https://zurl.co/0DvqQ
Visit our website to learn more: https://zurl.co/8BxY3
Scott A. Olson, CLTC®, is co-founder of LTCShop.com and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.
Policy features, riders, and definitions mentioned in this article vary heavily by insurance carrier and state regulations. Partnership protections apply only to state-approved plans. Consult an LTCShop.com licensed specialist for specific carrier language.
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 they turned 84. He also explains how a properly structured, true asset-based policy could have provided over $1.1 million in guaranteed care protection for the same budget.
Buy my book on Amazon: https://zurl.co/6YK23
Listen to the podcast: https://zurl.co/dtGSK
Watch our YouTube channel: https://zurl.co/0DvqQ
Visit our website to learn more: https://zurl.co/8BxY3
Scott A. Olson, CLTC®, is co-founder of LTCShop.com and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.
Policy features, riders, and definitions mentioned in this article vary heavily by insurance carrier and state regulations. Partnership protections apply only to state-approved plans. Consult an LTCShop.com licensed specialist for specific carrier language.
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 LTCShop.com to use our Policy Finder and get your customized, anonymous quote today!
Buy my book on Amazon: https://zurl.co/6YK23
Listen to the podcast: https://zurl.co/dtGSK
Watch our YouTube channel: https://zurl.co/0DvqQ
Visit our website to learn more: https://zurl.co/8BxY3
Scott A. Olson, CLTC®, is co-founder of LTCShop.com and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.
Policy features, riders, and definitions mentioned in this article vary heavily by insurance carrier and state regulations. Partnership protections apply only to state-approved plans. Consult an LTCShop.com licensed specialist for specific carrier language.
In this episode, Scott A. Olson breaks down the three critical questions you must ask about any long-term care policy, including how to verify your monthly maximum benefits and safeguard your total pool of money against compounding inflation. Scott exposes the massive difference between contractually guaranteed values and risky, non-guaranteed projections, so you can ensure your plan actually pays the bills when you need it most.
Buy my book on Amazon: https://zurl.co/6YK23
Listen to the podcast: https://zurl.co/dtGSK
Watch our YouTube channel: https://zurl.co/0DvqQ
Visit our website to learn more: https://zurl.co/8BxY3
Scott A. Olson, CLTC®, is co-founder of LTCShop.com and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.
Policy features, riders, and definitions mentioned in this article vary heavily by insurance carrier and state regulations. Partnership protections apply only to state-approved plans. Consult an LTCShop.com licensed specialist for specific carrier language.
Are you confused by the jargon and sales pitches surrounding long-term care insurance? Join expert Scott A. Olson as he breaks down the first two of seven critical questions you must ask before purchasing a policy to ensure you aren't being steered toward the wrong product. Learn how to identify the right type of coverage and verify if your advisor is truly qualified to help you protect your financial future.
Buy my book on Amazon: https://zurl.co/6YK23
Listen to the podcast: https://zurl.co/dtGSK
Watch our YouTube channel: https://zurl.co/0DvqQ
Visit our website to learn more: https://zurl.co/8BxY3
Scott A. Olson, CLTC®, is co-founder of LTCShop.com and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.
Policy features, riders, and definitions mentioned in this article vary heavily by insurance carrier and state regulations. Partnership protections apply only to state-approved plans. Consult an LTCShop.com licensed specialist for specific carrier language.
In this episode, long-term care expert Scott A. Olson breaks down the proposed New York Long-Term Care Trust Act and the potential impact it could have on your paycheck. Modeled after a similar program in Washington State, this legislation would implement a mandatory payroll deduction for W-2 and self-employed workers to fund a state-run long-term care program. Olson warns viewers about a "hidden trap" in the current bill: a retroactive opt-out deadline that requires residents to own private insurance before the bill is even officially signed into law.
Buy my book on Amazon: https://zurl.co/6YK23
Listen to the podcast: https://zurl.co/dtGSK
Watch our YouTube channel: https://zurl.co/0DvqQ
Visit our website to learn more: https://zurl.co/8BxY3
Scott A. Olson, CLTC®, is co-founder of LTCShop.com and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.
Policy features, riders, and definitions mentioned in this article vary heavily by insurance carrier and state regulations. Partnership protections apply only to state-approved plans. Consult an LTCShop.com licensed specialist for specific carrier language.
Welcome to the 100th episode celebration of LTCi Now! In this special episode, Scott A. Olson wraps this series up by pulling back the curtain on long-term care planning and content creation. He also reveals the surprising lack of education among financial planners regarding long-term care insurance. Scott also explains why he uses real-life case studies to bust common industry myths and shares his top episode recommendations for financial professionals.
Your support made it possible for us to get to 100 episodes! We couldn't have done this without you. Thank you. Here is to 100 more!
Buy my book on Amazon: https://zurl.co/6YK23
Listen to the podcast: https://zurl.co/dtGSK
Watch our YouTube channel: https://zurl.co/0DvqQ
Visit our website to learn more: https://zurl.co/8BxY3
Scott A. Olson, CLTC®, is co-founder of LTCShop.com and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.
Policy features, riders, and definitions mentioned in this article vary heavily by insurance carrier and state regulations. Partnership protections apply only to state-approved plans. Consult an LTCShop.com licensed specialist for specific carrier language.
Welcome to the 100th episode celebration of LTCi Now! In this special Q&A series, Scott A. Olson dives into the common questions you ask about long-term care insurance and this show. In this episode, he dives into his personal journey specializing in long-term care insurance and explains what the CLTC designation means. He also breaks down why common misconceptions about LTCi from financial advisors can cause you to lose thousands of dollars in retirement.
Your support made it possible for us to get to 100 episodes! We couldn't have done this without you. Thank you. Here is to 100 more!
Buy my book on Amazon: https://zurl.co/6YK23
Listen to the podcast: https://zurl.co/dtGSK
Watch our YouTube channel: https://zurl.co/0DvqQ
Visit our website to learn more: https://zurl.co/8BxY3
Scott A. Olson, CLTC®, is co-founder of LTCShop.com and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.
Policy features, riders, and definitions mentioned in this article vary heavily by insurance carrier and state regulations. Partnership protections apply only to state-approved plans. Consult an LTCShop.com licensed specialist for specific carrier language.
Welcome to the 100th episode celebration of LTCi Now! In this special Q&A series, Scott A. Olson dives into the common questions you ask about long-term care insurance and this show. He shares the story behind the founding of LTCShop.com, the realities of policy rate increases, and reveals the exact insurance coverage he and his wife have.
Your support made it possible for us to get to 100 episodes! We couldn't have done this without you. Thank you. Here is to 100 more!
Buy my book on Amazon: https://zurl.co/6YK23
Listen to the podcast: https://zurl.co/dtGSK
Watch our YouTube channel: https://zurl.co/0DvqQ
Visit our website to learn more: https://zurl.co/8BxY3
Scott A. Olson, CLTC®, is co-founder of LTCShop.com and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.
Policy features, riders, and definitions mentioned in this article vary heavily by insurance carrier and state regulations. Partnership protections apply only to state-approved plans. Consult an LTCShop.com licensed specialist for specific carrier language.
In this episode, long-term care expert Scott A. Olson highlights how inflation acts as a silent killer for retirement plans. This is particularly true when choosing how to fund your long-term care. He shares a real-world example of a client who nearly chose a life insurance policy with a chronic illness rider with flat benefits over a traditional policy whose benefits would double by her 80s due to a 3% compound inflation rider. Ultimately, he outlines five non-negotiable features to look for in a hybrid policy, including a 7702B rider and robust compound inflation protection.
Buy my book on Amazon: https://zurl.co/6YK23
Listen to the podcast: https://zurl.co/dtGSK
Watch our YouTube channel: https://zurl.co/0DvqQ
Visit our website to learn more: https://zurl.co/8BxY3
Scott A. Olson, CLTC®, is co-founder of LTCShop.com and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.
Policy features, riders, and definitions mentioned in this article vary heavily by insurance carrier and state regulations. Partnership protections apply only to state-approved plans. Consult an LTCShop.com licensed specialist for specific carrier language.
Long-term care expert Scott A. Olson exposes another hidden trap of using universal life insurance with chronic illness riders to fund your future care. Sharing a personal story of a policy he bought and quickly canceled, Scott reveals how the fine print allows insurance companies to slash your expected benefits based on life expectancy. Learn how these policies compare to traditional long-term care insurance, which guarantees your benefits from day one.
Buy my book on Amazon: https://zurl.co/6YK23
Listen to the podcast: https://zurl.co/dtGSK
Watch our YouTube channel: https://zurl.co/0DvqQ
Visit our website to learn more: https://zurl.co/8BxY3
Scott A. Olson, CLTC®, is co-founder of LTCShop.com and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.
Policy features, riders, and definitions mentioned in this article vary heavily by insurance carrier and state regulations. Partnership protections apply only to state-approved plans. Consult an LTCShop.com licensed specialist for specific carrier language.
Don't let an "A-to-Z" generalist financial advisor sell you a policy that gambles with your retirement safety net. In this episode, Scott A. Olson breaks down why a chronic illness rider is, at best, a mediocre substitute for true long-term care insurance. Using a real-life story, he exposes how these life insurance riders often lock you into high premiums but could pay absolutely zero for your care if their specific conditions aren't met. Real long-term care insurance is regulated with specific triggers that allow you to access care when and where you need it.
Buy my book on Amazon: https://zurl.co/6YK23
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Watch our YouTube channel: https://zurl.co/0DvqQ
Visit our website to learn more: https://zurl.co/8BxY3
Scott A. Olson, CLTC®, is co-founder of LTCShop.com and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.
Policy features, riders, and definitions mentioned in this article vary heavily by insurance carrier and state regulations. Partnership protections apply only to state-approved plans. Consult an LTCShop.com licensed specialist for specific carrier language.
Scott A. Olson, co-founder of LTCShop.com and author of "Long-Term Care Insurance NOW!", pulls back the curtain on why using an indexed universal life policy and a chronic illness rider is often a massive retirement trap. He exposes how these non-guaranteed life insurance policies carry hidden risks
and extra costs compared to a traditional long-term care insurance policy. Olson challenges the "use it or lose it" fallacy and emphasizes that with traditional LTC insurance, individuals avoid the heavy premium drag of a massive death benefit they do not need, allowing them to invest the savings.
Buy my book on Amazon: https://zurl.co/6YK23
Listen to the podcast: https://zurl.co/dtGSK
Watch our YouTube channel: https://zurl.co/0DvqQ
Visit our website to learn more: https://zurl.co/8BxY3
Scott A. Olson, CLTC®, is co-founder of LTCShop.com and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.
Policy features, riders, and definitions mentioned in this article vary heavily by insurance carrier and state regulations. Partnership protections apply only to state-approved plans. Consult an LTCShop.com licensed specialist for specific carrier language.
In this episode, Scott A. Olson breaks down a recent MarketWatch article to clear up common misconceptions about long-term care insurance. He highlights how the author completely overlooked the power of a shared benefit rider, which allows a married couple to secure a larger pool of coverage far more affordably than buying separate policies. Scott also tackles the "use it or lose it" myth, addresses historic premium anxieties, and exposes the hidden risks buried inside alternative universal life products with chronic illness riders.
MarketWatch Article: "I’m 55, married, and want a $1.5 million long-term care policy. Do I get a traditional or hybrid?"*
*Use this link if you don't want to register for MarketWatch.com
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Watch our YouTube channel: https://zurl.co/0DvqQ
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Scott A. Olson, CLTC®, is co-founder of LTCShop.com and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.
Policy features, riders, and definitions mentioned in this article vary heavily by insurance carrier and state regulations. Partnership protections apply only to state-approved plans. Consult an LTCShop.com licensed specialist for specific carrier language.
In this episode, long-term care insurance expert Scott A. Olson argues that asking clients if they would struggle emotionally with spending their assets on care is unhelpful. Most people don't know how they or their family would react when a crisis actually occurs. He explains that decision-making typically defaults to stressed family members, who often default to providing unpaid care themselves rather than spending retirement funds. Scott emphasizes that owning long-term care insurance removes this burden, giving families the peace of mind and financial freedom to hire professional help early.
"Should I Buy LTCi?" Chart: https://shorturl.at/uMErL
Buy my book on Amazon: https://zurl.co/6YK23
Listen to the podcast: https://zurl.co/dtGSK
Watch our YouTube channel: https://zurl.co/0DvqQ
Visit our website to learn more: https://zurl.co/8BxY3
Scott A. Olson, CLTC®, is co-founder of LTCShop.com and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.
Policy features, riders, and definitions mentioned in this article vary heavily by insurance carrier and state regulations. Partnership protections apply only to state-approved plans. Consult an LTCShop.com licensed specialist for specific carrier language.
Long-term care insurance (LTCi) expert Scott A. Olson analyzes a financial planner's chart to help individuals determine if they should purchase LTCi coverage. He aligns with the planner's view that both aggressive and conservative investors can benefit from LTCi, using a personal story about his mother-in-law to demonstrate how coverage strategically safeguarded her investment portfolio. But even those with a moderate strategy who are prepared to spend their liquid assets on long-term care need to look into how LTCi can protect their future.
"Should I Buy LTCi?" Chart: https://shorturl.at/uMErL
Buy my book on Amazon: https://zurl.co/6YK23
Listen to the podcast: https://zurl.co/dtGSK
Watch our YouTube channel: https://zurl.co/0DvqQ
Visit our website to learn more: https://zurl.co/8BxY3
Scott A. Olson, CLTC®, is co-founder of LTCShop.com and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.
Policy features, riders, and definitions mentioned in this article vary heavily by insurance carrier and state regulations. Partnership protections apply only to state-approved plans. Consult an LTCShop.com licensed specialist for specific carrier language.
Long-term care insurance (LTCi) expert Scott A. Olson analyzes a financial planner's chart to help individuals determine if they should purchase LTCi coverage. He reviews three specific suppositions from the chart: affordability, spousal age gaps, and family longevity. He notes where he agrees or disagrees with the planner's logic. Olson points out that asset levels, the hidden costs of self-insuring, and modern medical advancements are critical contexts missing from the chart's generalizations.
"Should I Buy LTCi?" Chart: https://shorturl.at/uMErL
Buy my book on Amazon: https://zurl.co/6YK23
Listen to the podcast: https://zurl.co/dtGSK
Watch our YouTube channel: https://zurl.co/0DvqQ
Visit our website to learn more: https://zurl.co/8BxY3
Scott A. Olson, CLTC®, is co-founder of LTCShop.com and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.
Policy features, riders, and definitions mentioned in this article vary heavily by insurance carrier and state regulations. Partnership protections apply only to state-approved plans. Consult an LTCShop.com licensed specialist for specific carrier language.
In this episode, long-term care insurance expert Scott A. Olson explains that the decision to buy long-term care insurance is simpler than it may seem. He outlines three key questions people should ask themselves: whether they have assets worth protecting, whether they want to preserve those assets, and whether they are still healthy enough to qualify for meaningful coverage. He emphasizes the importance of working with a long-term care insurance specialist to compare all available options and create a plan that protects both finances and family caregivers.
Should I Buy Long-Term Care Insurance Post
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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
In this episode, Scott A. Olson answers common questions about how elimination periods work, including whether care days can accumulate over time and whether family-provided care counts toward satisfying the waiting period. The episode concludes with important guidance on avoiding costly mistakes during the claims process and why it's important to understand your elimination period before care is needed.
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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
In this episode, Scott A. Olson explains the different types of elimination periods used in long-term care insurance policies. He breaks them down to show how different policies count days toward satisfying the elimination period and why understanding these details can dramatically affect when benefits begin.
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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
In this episode, Scott A. Olson explains one of the most misunderstood features of long-term care insurance: the elimination period. He breaks down what an elimination period really is and why insurance companies use the term. Scott illustrates several ways to satisfy a ninety-day elimination period quickly and affordably.
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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
In this episode, long-term care insurance expert Scott A. Olson
explains how different health conditions can affect eligibility for the five major types of long-term care coverage available today. He walks through conditions such as severe migraines, elevated PSA, congestive heart failure, stroke history, HIV/AIDS, chronic bronchitis, Alzheimer's family history, aneurysms, implanted defibrillators, and atrial fibrillation. Scott highlights the importance of working with a specialist who understands how underwriting differs across policy types.
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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
In this episode, Scott A. Olson explains the five different types of long-term care policies available today and how various health conditions can impact eligibility for coverage. He shares that underwriting guidelines vary significantly by product type and company. But even individuals with serious health histories may still have viable coverage options.
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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
In this episode, Scott A. Olson explains whether qualifying for a hybrid (life insurance with an LTC rider) or a traditional standalone policy depends heavily on an individual's specific health conditions. He shares two real client cases in which applicants were declined for hybrid policies but successfully approved for traditional long-term care insurance. The examples emphasize the importance of applying earlier in life, as delaying coverage can lead to complications or limited choices.
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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
In this episode, Scott A. Olson explains that a consumer's complaint about a long-term care insurance claim being paid after 45 days is actually a sign the system is working properly, not a failure. Claims require extensive documentation, such as assessments, medical records, and other supporting materials, which often takes 60–90 days. Unrealistic expectations can lead to frustration, especially when policyholders assume quick payouts or misunderstand features like zero waiting periods. Scott reframes the complaint as a misunderstanding of how insurance claims are designed to function efficiently and responsibly.
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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
In this episode, Scott A. Olson explains why consumer complaint ratings for long-term care insurance companies can be misleading. He emphasizes the importance of analyzing the actual complaints instead of taking them at face value. By comparing the relatively small number of complaints to the tens of thousands of claims paid, he argues that insurers' overall performance is often much better than it appears. He also walks through a specific complaint to illustrate how normal claims processing timelines can be misinterpreted as poor service.
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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
In this episode, Scott A. Olson shares a real-life example of how misleading online reviews can derail smart long-term care insurance decisions. After recommending a highly reputable insurer to a client, the client hesitated because of poor ratings on a consumer complaint website. Many similar financially strong insurance companies also had low scores. Are all these companies horrible to their customers? Or is something else going on?
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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
In this episode, Scott A. Olson addresses common misconceptions about long-term care insurance claims. Despite widespread online complaints, the vast majority of claims are actually paid. He cites NAIC data showing over 300,000 policyholders receive benefits annually and highlights that even companies with poor complaint indexes often have very few actual complaints.
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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
In this episode, Scott A. Olson reviews a recent Wall Street Journal article on hybrid life and long-term care insurance policies. He explains the key features and challenges, and addresses common misconceptions. Through real client examples, Scott highlights how the underwriting differs between hybrid and traditional long-term care insurance. He also compares costs, noting that hybrids are typically more expensive, and outlines specific situations where a hybrid policy may be the better choice.
WSJ: Hybrid Life & 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 helped thousands of individuals and families navigate the complex world of long-term care planning.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
In this episode, Scott A. Olson explains that the debate between traditional long-term care insurance and hybrid policies is often filled with half-truths and critical omissions. He emphasizes that neither option is inherently better than the other. Both are simply different tools for funding long-term care. Scott's approach is to match each client with the most appropriate long-term care solution by evaluating a wide range of products, rather than promoting a one-size-fits-all answer.
ChatGPT vs LTCi Expert (Part 1)
ChatGPT vs LTCi Expert (Part 2)
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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
In this episode, Scott A. Olson explains that while Medicaid often becomes the default for long-term care after people spend down their assets, it doesn't have to be. He emphasizes that long-term care is not end-of-life care, but rather ongoing support for people who may live many meaningful years with assistance. Using a personal story about his mother-in-law, he illustrates how individuals receiving care can still experience joy, family milestones, and fulfilling daily lives. Olson argues that everyone should have a clear plan for long-term care, whether or not it includes insurance.
AP News Article
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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Watch the full version of this episode on YouTube.
In this episode, Scott A. Olson dives into the rate increase history of Bankers Life and Casualty using a powerful new database from the California Department of Insurance. He demonstrates how to analyze specific policy forms, revealing that older policies from the 1990s experienced moderate cumulative increases over decades, while newer policies show far greater pricing stability.
CA Long-Term Care Rate History Tool
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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Watch the full version of this episode on YouTube.
In this episode, Scott A. Olson explains how consumers can use California's new searchable database to review the rate increase history of long-term care insurance policies across all 50 states. He walks viewers through how to search the database using key filters like company name, policy type, and state, using MassMutual Life Insurance Company as a real-world example. The tutorial highlights how different policy forms can experience vastly different rate increases, sometimes with multiple requests over time, and explains how those increases are reviewed, approved, and phased in.
CA Long-Term Care Rate History Tool
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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Watch the full version of this episode on YouTube
In this episode, Scott A. Olson explains how consumers can use California’s new searchable database to review the rate increase history of long-term care insurance policies across more than 50 companies and all 50 states. He demonstrates how to navigate the database, including how to filter results by company, policy type, tax status, policy category, and state. The database can be a valuable research tool for both prospective buyers comparing insurers and current policyholders reviewing the history of rate increases on their own policy.
CA Long-Term Care Rate History Tool
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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Long-Term Care Insurance expert Scott A. Olson explains that many elder law attorneys spend their time handling crisis situations for families who failed to plan ahead for long-term care. He emphasizes that every long-term care plan should include three essentials: a care circle, care documents, and a strategy for care funding. While long-term care insurance can help fund a plan, Olson highlights a little-known option called a long-term care partnership policy. These policies are the best-kept secret in long-term care planning because they allow middle-class families to protect assets from Medicaid spend-down, even if their policy benefits run out.
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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
In this powerful episode, Scott A. Olson shares a poignant story from a registered nurse that reveals the hidden realities of long-term care. Through the lens of exhausted spouses and overwhelmed families, Scott explains why long-term care insurance isn't just about paying for a building, but about creating income so loved ones don't become full-time caregivers by default. He emphasizes that everyone needs a long-term care plan because, without one, retirement can quickly turn into a caregiving job you never applied for.
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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
In this episode, Scott A. Olson, co-founder of LTCShop.com, shares a real client case highlighting what couples should do when one spouse may be uninsurable. He explains how health history affects eligibility and how even minor medical changes can close the window of insurability. Through Brian's story, Scott details the specific policy secured, including growing lifetime benefits and preferred health discounts.
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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
In this episode, Scott A. Olson shares the story of a healthy couple who were declined for long-term care insurance twice. Kevin was declined due to a single past prescription that most insurers considered uninsurable, while his wife, Kimberly, was approved both times. By working with multiple carriers and finding one with a different underwriting process, Scott secured Kevin a preferred-rate policy with growing benefits, a death benefit, and guaranteed premiums. The story highlights why working with a specialist who represents many companies can make all the difference.
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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
In this episode, Scott A. Olson uses two client profiles to show how osteoporosis, age, and overall health affect eligibility, policy design, benefits, and premiums. You’ll see how personalized planning led to two very different, but successful, long-term care insurance solutions. The takeaway is clear: the healthier you are when you apply, the more options you have and waiting can be costly.
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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
In this episode of Long-Term Care Insurance Now, Scott A. Olson breaks down a real client case involving chronic kidney disease. Meet "Carly," a 70-year-old client who was initially declined for coverage, yet ultimately secured a traditional long-term care insurance policy tailored to her complex health and financial situation. Scott explains why he chose this strategy over an annuity with an LTC rider, how the policy preserves liquidity, and how it provides valuable Medicaid asset protection. If you've been told you can't qualify for long-term care insurance due to kidney disease, this episode may change what you think is possible.
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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
In this episode, Scott A. Olson explains whether someone with chronic kidney disease can still qualify for long-term care coverage. He outlines why traditional long-term care insurance is often unavailable for individuals on dialysis or with complex health conditions, while highlighting how annuities with long-term care riders can offer a practical alternative. Scott emphasizes that even when traditional options are limited, there may still be effective strategies worth exploring.
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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
With 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 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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
In 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 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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
In 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 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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Should 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 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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
In 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 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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
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, 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 www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
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Twitter
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 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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
Facebook
Twitter
We 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 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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
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In 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 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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
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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 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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
Facebook
Twitter
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 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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
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Twitter
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 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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
Facebook
Twitter
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.
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 www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
Facebook
Twitter
In 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 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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
Facebook
Twitter
Considering 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 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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
Facebook
Twitter
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 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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
Facebook
Twitter
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 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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
Facebook
Twitter
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 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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
Facebook
Twitter
In 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 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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
Facebook
Twitter
Should 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 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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
Facebook
Twitter
In 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 Expert
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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
Facebook
Twitter
In 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 Expert
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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
Facebook
Twitter
In 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 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 www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
Facebook
Twitter
In 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. 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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
Facebook
Twitter
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, 2023
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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
Facebook
Twitter
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, 2023
Collapse of Long-Term Care Insurer Reflects Deep Industry Woes
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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
Facebook
Twitter
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, 2023
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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
Facebook
Twitter
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, 2023
NAIC Long-Term Care Insurance Experience Report
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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
Facebook
Twitter
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, 2023
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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
Facebook
Twitter
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, 2023
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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
Facebook
Twitter
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, 2023
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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
Facebook
Twitter
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 Study
New York Times articles mentioned.
Why Long-Term Care Insurance Falls Short for So Many, Nov. 22, 2023
Long-Term Care Insurance Can Baffle, With Complex Policies and Costs,
Dec. 18, 2015
When a Safety Net Is Yanked Away, Nov. 12, 2010
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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
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In 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.
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 www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
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In 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 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 www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
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In 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, 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 www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
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Twitter
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 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 www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
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Twitter
In 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. 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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
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Twitter
In 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 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 www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
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Twitter
In 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 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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
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Twitter
In 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 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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
Facebook
Twitter
In 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 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 www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
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Twitter
Filing 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 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 www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
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Twitter
On 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 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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
Facebook
Twitter
Many 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 2023
Long-Term Care Insurance Model Act
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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
Facebook
Twitter
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 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 www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
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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 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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
Facebook
Twitter
In 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 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 www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
Facebook
Twitter
Scott 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 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 www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
Facebook
Twitter
In 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.
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 www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
Facebook
Twitter
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 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.
Learn more at www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
Facebook
Twitter
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 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 www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
Facebook
Twitter
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.
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 www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
Facebook
Twitter
Discover 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 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 www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
Facebook
Twitter
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, 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 www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
Facebook
Twitter
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, 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 LTCShop.com
Interested in a personalized quote? Check out my Policy Finder
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop
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 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.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop
Even 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 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.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott Olson
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop
Copyright 2025 Scott A. Olson, CLTC
In 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.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott Olson
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop
Copyright 2025 Scott A. Olson, CLTC
In 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 helped thousands of individuals and families navigate the complex world of long-term care planning.
Learn more at https://www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop
Copyright 2025 Scott A. Olson, CLTC
In 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 has helped thousands of individuals and families navigate the complex world of long-term care planning.
Learn more at https://www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott Olson
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
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Twitter: https://twitter.com/ltcshop
Copyright 2025 Scott A. Olson, CLTC
In 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 missed
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.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott Olson
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop
Copyright 2025 Scott A. Olson, CLTC
In 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 individuals and families navigate the complex world of long-term care planning.
Learn more at https://www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott Olson
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop
Copyright 2025 Scott A. Olson, CLTC
For 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, 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.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott Olson
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop
Copyright 2025 Scott A. Olson, CLTC
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 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.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott Olson
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop
Copyright 2025 Scott A. Olson, CLTC
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 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.
Learn more at https://www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/
Buy Scott's Book: https://a.co/d/87570bu
Contact Scott Olson
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/
Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop
Copyright 2025 Scott A. Olson, CLTC
Get a custom long term care insurance quote today. Click here.
Follow us on Facebook and Twitter
Buy Scott’s book “Simple LTC Solution” https://amzn.to/3ccqEjd
Got a question? Email Scott. |
scott@ltcshop.com
Get a custom long term care insurance quote today. Click here.
Follow us on Facebook and Twitter
Buy Scott’s book “Simple LTC Solution” https://amzn.to/3ccqEjd
Got a question? Email Scott. |
scott@ltcshop.com
Get a custom long term care insurance quote today. Click here.
Follow us on Facebook and Twitter
Buy Scott’s book “Simple LTC Solution” https://amzn.to/3ccqEjd
Got a question? Email Scott. |
scott@ltcshop.com
Get a custom long term care insurance quote today. Click here.
Follow us on Facebook and Twitter
Buy Scott’s book “Simple LTC Solution” https://amzn.to/3ccqEjd
Got a question? Email Scott. |
scott@ltcshop.com
Get a custom long term care insurance quote today. Click here.
Follow us on Facebook and Twitter
Buy Scott’s book “Simple LTC Solution” https://amzn.to/3ccqEjd
Got a question? Email Scott. |
scott@ltcshop.com
Get a custom long term care insurance quote today. Click here.
Follow us on Facebook and Twitter
Buy Scott’s book “Simple LTC Solution” https://amzn.to/3ccqEjd
Got a question? Email Scott. |
scott@ltcshop.com
Get a custom long term care insurance quote today. Click here.
Follow us on Facebook and Twitter
Buy Scott’s book “Simple LTC Solution” https://amzn.to/3ccqEjd
Got a question? Email Scott. | scott@ltcshop.com
Get a custom long term care insurance quote today. Click here.
Follow us on Facebook and Twitter
Buy Scott’s book “Simple LTC Solution” https://amzn.to/3ccqEjd
Got a question? Email Scott. | scott@ltcshop.com
Get a custom long term care insurance quote today. Click here.
Follow us on Facebook and Twitter
Buy Scott’s book “Simple LTC Solution” https://amzn.to/3ccqEjd
Got a question? Email Scott. |
scott@ltcshop.com
Get a custom long term care insurance quote today. Click here.
Follow us on Facebook and Twitter
Buy Scott’s book “Simple LTC Solution” https://amzn.to/3ccqEjd
Got a question? Email Scott. | scott@ltcshop.com
Get a custom long term care insurance quote today. Click here.
Follow us on Facebook and Twitter
Buy Scott’s book “Simple LTC Solution” https://amzn.to/3ccqEjd
Got a question? Email Scott. | scott@ltcshop.com
Get a custom long term care insurance quote today. Click here.
Follow us on Facebook and Twitter
Buy Scott’s book “Simple LTC Solution” https://amzn.to/3ccqEjd
Got a question? Email Scott. | scott@ltcshop.com
Get a custom long term care insurance quote today. Click here.
Follow us on Facebook and Twitter
Buy Scott’s book “Simple LTC Solution” https://amzn.to/3ccqEjd
Got a question? Email Scott. | scott@ltcshop.com
Get a custom long term care insurance quote today. Click here.
Follow us on Facebook and Twitter
Buy Scott’s book “Simple LTC Solution” https://amzn.to/3ccqEjd
Got a question? Email Scott. | scott@ltcshop.com
Get a custom long term care insurance quote today. Click here.
Follow us on Facebook and Twitter
Buy Scott’s book “Simple LTC Solution” https://amzn.to/3ccqEjd
Got a question? Email Scott. | scott@ltcshop.com
Get a custom long term care insurance quote today. Click here.
Follow us on Facebook and Twitter
Buy Scott’s book “Simple LTC Solution” https://amzn.to/3ccqEjd
Got a question? Email Scott. | scott@ltcshop.com