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PODCAST

Preparing For Tomorrow podcast

Diane Stoddart, Certified Long Term Care Consultant, CLTC

Diane Stoddart, Certified Long Term Care Consultant, will show you how to protect your family and loved ones from the financial, physical and emotional burdens and consequences when long term care is needed. In each episode, Diane will help you to navigate through long term care concepts, terms and options and to discuss what strategies are available that can best protect both your family and your nest egg. We will invite guests to sit with us and share ideas regarding various parts of our lives

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All Episodes

11:21

Question 3 - What is an Elimination Period?

Preparing For Tomorrow podcast ·

2025/01/23

Estimate LTC insurance premiums here: Ask a question here: Listen to more podcast episodes here: What your state let's you keep: Schedule a phone or Zoom meeting here:

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11:24

Question 2 - How much insurance do I need?

Preparing For Tomorrow podcast ·

2025/01/16

LTC Resources Estimate LTC insurance premiums here Ask a question here Listen to podcast episodes here What your state let's you keep: Cost of care estimator: Social Security life expectancy table: Social Security life expectancy by DOB:

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10:15

Question 1 - What does LTC insurance pay for?

Preparing For Tomorrow podcast ·

2025/01/09

Schedule with me at Ask a question at Website: Podcast episodes: What your state let's you keep: Cost of Care estimator:

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03:23

Reason For The Season - Song for you to enjoy from us

Preparing For Tomorrow podcast ·

2024/12/24

We wish everyone a joyful Christmas and holiday season. Celebrate with those near and far, and enjoy all the bountiful gifts of love and family. Open your hearts and love those you love even more this season. Welcome those who are far from your hearts! I hope you enjoy the song my husband wrote a while back to celebrate the true Reason for the Season. Merry Christmas and Happy Holidays! Psst: It's me on flute again

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10:23

Notice who is helping who this holiday season

Preparing For Tomorrow podcast ·

2024/12/19

As you gather with family and friends this holiday season, I ask you to notice sons and daughters helping their moms and dads perform simple tasks like cutting their food or getting in and out of chairs. Ask yourself and your spouse/partner what you would like to have happen when you reach a point when it's your turn to need help. Do you have kids? Can they, and do you want them to be forced to help you alone? Or do you want to prepare a written plan that includes answers to their questions and

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12:39

2 years ago...

Preparing For Tomorrow podcast ·

2024/12/12

Diane shares two client stories and some of her own family's story that have all developed over the last two years. So many people want to wait as long as they can to own LTC insurance, but they fail to understand that health is what buys this stuff. When health concerns show up, sometimes we'll be required to wait a specified period of time to be able to apply for coverage. Or we may become an uninsurable health risk, negating all the plans we had wanted to be able to use to protect our family

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10:37

Case Study: Joe 71 & Jenny 72 single premium life/LTC...

Preparing For Tomorrow podcast ·

2024/12/05

This week, we're sharing how Joe & Jenny used a single payment to create a paid up LTC and/or death benefit that pay tax-free when care is needed or when death occurs. This couple is in their 70s and are thankfully healthy enough to be approved for coverage. At 71 and 72, the leverage isn't as strong as when we're inour 40s, 50s or 60s, but we were still able to create a plan that pays significantly more than what is paid in. At younger ages, we would definitely use an inflation rider to increase

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05:59

Our Thanksgiving card and song for you

Preparing For Tomorrow podcast ·

2024/11/28

This week, let's all be thankful for the people we have in our lives. We'll get back to preparing to help them help us better when we need help living - after enjoying those we love most today! Happy Thanksgiving

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21:01

Guest interview: Lynda Krueger with Owl Be There Tampa

Preparing For Tomorrow podcast ·

2024/11/21

This week, I interviewed Lynda Krueger with Owl Be There Tampa. Owl Be There isn't a quick referral by zip code resource. Or a DIY search through Google. Lynda and her associate improve the lives of seniors with wise guidance around senior living and care. Lynda shares the details of what it takes and how she works to find the right place based on client needs, lifestyles, spiritual beliefs, proximity to family and more. Reach Lynda in the Tampa Bay area at Or search nationwide at and click on

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11:18

Gio wants a plan that does EVERYTHING and more

Preparing For Tomorrow podcast ·

2024/11/14

There are so many ways to design a long term care plan. However, different planning strategies offer their own unique benefits. For example, LTC Partnership Protection is only available on stand-alone LTC plans. Cash benefits and return of premium options are stronger with hybrid life/LTC and annuity /LTC plans. We will work together to decide which plans and benefits will meet your family's needs best. Listen and learn more and then schedule with me to design your plan

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11:18

Do I need to use the whole benefit every month?

Preparing For Tomorrow podcast ·

2024/11/07

Lisa asked if LTC insurance requires us to use the whole benefit every month or can we use less and stretch the benefit period to pay longer. The answer is "that depends". What kind of plan do you have? What kind of care do you need? Where are you living to receive care? Who will be helping you? Listen and schedule with me See what your state lets you keep

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11:39

The nursing home costs $13,000/month. Will the state...

Preparing For Tomorrow podcast ·

2024/10/31

This week, a client emailed me an article from Moneywise's retirement section that discussed Medicaid estate recovery. Read the article here - The reason we plan is so that Medicaid won't take our house or impoverish our family. This link shows what different states let us keep and still qualify for Medicaid to pay for our care - There are several ways to protect against the risk of needing help living at some point in our lives. Many people think, "I'm healthy. Why would I need long term care

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11:27

Do You Ever Get Depressed Talking about This Stuff?

Preparing For Tomorrow podcast ·

2024/10/24

I promise I'll start talking numbers and cases again next week. We made it through the storms and things are almost normal in our community. This week, I received a question about me rather than about long term care, and I felt the need to answer. Do I get depressed talking about getting old or getting sick all day long? I've been working as an LTC Specialist for over 20 years, and you would think I am sad every day. Listen and learn why that is not the case, and then schedule time with me so I can

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03:14

We made it through Milton and are feeling blessed

Preparing For Tomorrow podcast ·

2024/10/12

Thank you for all the phone calls and messages asking how we are doing. Our home is fine. No damage and no flooding. We didn't lose power. Lots of branches to clean up, and the last two days we've been putting all the stuff we had to move back where it belongs. I hear generators and chainsaws whenever I am outside, and I feel kind of guilty for not having as much damage and problems as those around us. We are helping others where we can, but Paul just had hernia surgery a few weeks ago. The

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01:30

We're in Tampa and are staying here throuh Milton

Preparing For Tomorrow podcast ·

2024/10/09

Just a quick update. We're ok so far. Hoping for a Cat 3 or less when it hits, likely a little south of us so we'll get a lot of rain. Presuming all goes as well as can be, I'll update you all on Friday.

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10:22

We made it through hurricane Helene, but too many...

Preparing For Tomorrow podcast ·

2024/10/03

This week is tough. Hurricane Helene ripped through the southeast and surprised far too many families. My family is safe, and those we know in the areas hit here in Florida and in the mountains are safe, but many aren't. It will take months and even years to rebuild these areas. This made it difficult for me to talk about preparing for tomorrow when there is so much devastation today. Storms that are created by weather and by dementia hit hard when they hit, and we need to be alert and prepared

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16:30

Why & when would an insurance company not approve and...

Preparing For Tomorrow podcast ·

2024/09/26

To answer this question, I need to first share why and when LTC insurance companies are required to approve and pay a claim, and then I'll discuss where this can get confusing or messed up. LTC insurance companies are strictly regulated by the Internal Revenue Code (IRC) 7702(b). If the plans offered will be tax deductible to some individuals and most businesses, and for benefits to be paid tax-free, LTC insurance companies must adhere to the 7702(b) rule. This week, I'm sharing and simplifying

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12:34

$25,000-$30,000 per month for home care and assisted...

Preparing For Tomorrow podcast ·

2024/09/19

Today, I want to discuss the financial risk we're facing when planning for LTC needs in 20 or 30 years or more. Home care costs increased on average 10% nationwide from 2022-2023. Assisted Living costs increased 5% on average over that same time. It's not going to get cheaper to get the care we need to get through each day. This information comes from Falls are a big reason people start to need help and support per HelpGuide.org Caregiving is expensive, financially, physically, emotionally. We

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09:09

They're selling EVERYTHING to qualify for Medicaid

Preparing For Tomorrow podcast ·

2024/09/12

Yes, a colleague of mine is selling all of her uncle's belongings because he was "put into aged care". Those who plan know where they want to be when a long term care event enters the picture. And they have the income, savings and LTC insurance to support their plan. Most stay home with help for most to the need and move to assisted living if care needs increase. Most don't ever live in a nursing home, and they surely don't get "put" somewhere. People without a plan put their whole family in a

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10:40

Make that inherited IRA create tax-free LTC benefits

Preparing For Tomorrow podcast ·

2024/09/05

On Sunday, Suze Orman discussed the finally finalized rules for inherited IRA's. Listen here: Today, I'm going to share a case study to share what one of our clients did with some of the IRA funds she inherited from her mom. Some of you know that "non-eligible" beneficiaries of IRA funds are required to withdraw all tne money in the IRA within 10 years and pay taxes on those withdrawals. If you don't know, listen to Suze's podcast episode from Sunday, September 3, 2024 with the above link. Nicole

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