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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.
87 Episodes
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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...
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...
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...
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...
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...
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...
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 ...
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...
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...
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. ...
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 t...
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. ...
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 ...
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