Long-Term Care Insurance Now

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Part 2 of 3: The Worst Long-Term Care Policy I've Ever Seen

2026-09-3008:44

In part two of our deep dive, long-term care insurance (LTCi) expert Scott A. Olson exposes the shocking dangers of inadequate benefit maximums, frozen payouts, and dangerous claim triggers in the worst long-term care policy ever seen. Discover why a fixed $2,000 monthly benefit with no inflation protection becomes obsolete over time, and why archaic "medically necessary" clauses can leave you stranded when you need help most. Learn how to avoid these costly employer-sponsored policies and pr...

Part 1 of 3: The Worst Long-Term Care Policy I've Ever Seen

2026-09-2309:24

In part one of our three-part series, long-term care expert Scott Olson exposes what he considers the worst long-term care policy he has ever reviewed. Discover why an employer-sponsored universal life policy with an LTC rider can quietly turn into a financial time bomb as you age. Learn about the hidden dangers of escalating internal insurance costs, skyrocketing premiums, and the critical tax disadvantages of non-qualified plans. Buy my book on Amazon: https://zurl.co/6YK23 Listen to ...

Seven Reasons to Buy a Traditional LTC Insurance Policy

2026-09-1913:01

Is traditional long-term care insurance really "dead," or are asset-based hybrid policies just being overhyped? In this episode, long-term care expert Scott A. Olson busts the industry myth that hybrid life insurance policies are always the superior choice. He breaks down the actual numbers and highlights seven specific reasons why standalone coverage offers far greater financial leverage. Learn how to evaluate your health history, avoid paying for unnecessary permanent life insurance and cho...

The Best Long-Term Care "Bucket" You Can Buy

2026-09-1609:40

Is setting aside a dedicated pile of cash really the best way to plan for long-term care, or does it leave your retirement dangerously exposed? In this episode, long-term care specialist Scott A. Olson responds to a recent Morningstar article and exposes the hidden costs, capital drag, and compounding losses of trying to self-insure. He contrasts do-it-yourself funding with the power of financial leverage from long-term care insurance, illustrating how an asset-based hybrid policy or traditio...

The Best Way to Fund Long-Term Care Expenses with an HSA

2026-09-0610:38

Should you skip long-term care insurance and just self-insure with a Health Savings Account (HSA)? Scott A. Olson breaks down why using an HSA to fund potential long-term care (LTC) needs is a risky financial gamble that wastes valuable tax deductions. Instead of relying on a strictly capped savings balance to cover catastrophic costs, learn how a properly structured LTC policy provides a growing pool of tax-free benefits. Scott also reveals two legitimate, IRS-approved ways to use your pre-t...

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