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PODCAST

Long-Term Care Insurance Now

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

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All Episodes

10:15

Dissecting a Long-Term Care Insurance Complaint

Long-Term Care Insurance Now ·

2026/04/25

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. Scot...

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8:22

The Truth About LTC Insurance Complaints (What...

Long-Term Care Insurance Now ·

2026/04/22

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 ...

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7:04

How to Spot Misleading Insurance Company Ratings

Long-Term Care Insurance Now ·

2026/04/18

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 sour...

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5:24

Looking at Long-Term Care Insurance Complaints

Long-Term Care Insurance Now ·

2026/04/15

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...

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11:00

Debating Traditional vs Hybrid LTC Insurance (Part 2)

Long-Term Care Insurance Now ·

2026/04/11

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 choi...

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7:37

Debating Traditional vs Hybrid LTC Insurance (Part 1)

Long-Term Care Insurance Now ·

2026/04/08

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. ChatG...

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9:02

Long-Term Care Is NOT End-of-Life Care

Long-Term Care Insurance Now ·

2026/04/02

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 t...

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6:21

Why Have Rate Increases Changed? (Part 2)

Long-Term Care Insurance Now ·

2026/03/21

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 Ca...

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10:13

Why Have Rate Increases Changed? (Part 1)

Long-Term Care Insurance Now ·

2026/03/18

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 ...

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9:13

How to Find Long-Term Care Rate Increase History in...

Long-Term Care Insurance Now ·

2026/03/15

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...

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7:08

The Best Kept Secret in Long-Term Care Insurance

Long-Term Care Insurance Now ·

2026/03/08

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-kep...

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8:03

The Harsh Realities of Long-Term Caregiving

Long-Term Care Insurance Now ·

2026/03/05

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 caregivi...

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6:10

Brian's Story: What to do if your spouse can't...

Long-Term Care Insurance Now ·

2026/02/18

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 insi...

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8:27

Kevin and Kimberly's Story: Applying for LTCi After...

Long-Term Care Insurance Now ·

2026/02/15

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 work...

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7:51

Can You Buy LTCi with Osteoporosis?

Long-Term Care Insurance Now ·

2026/02/11

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 ex...

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8:17

Kidney Disease and Long-Term Care Insurance (Part 2)

Long-Term Care Insurance Now ·

2026/02/08

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...

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10:18

Kidney Disease and Long-Term Care Insurance (Part 1)

Long-Term Care Insurance Now ·

2026/02/05

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 ...

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9:38

Your First Step to Buy Long-Term Care Insurance

Long-Term Care Insurance Now ·

2026/02/01

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...

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10:56

Bob and Mindy's Story: Couple vs Individual Policies

Long-Term Care Insurance Now ·

2026/01/28

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 Lo...

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8:29

Rod and Cassie's Story: Buying Long-Term Care...

Long-Term Care Insurance Now ·

2026/01/24

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. ...

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98 results

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