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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.
74 Episodes
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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 recogniz...
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, an...
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, an...
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 s...
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 Insuran...
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...
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, ...
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 ...
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 in...
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 char...
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 han...
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. Welc...
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. Welc...
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 expe...
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,...
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 covera...
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 Ex...
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 inform...
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-T...
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 ...
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