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 and families navigate the complex world of long-term care planning.
Episodes
87 episodes
The Best Kept Secret in Long-Term Care Insurance
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 incl...
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7:08
The Harsh Realities of Long-Term Caregiving
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 insu...
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8:03
Brian's Story: What to do if your spouse can't qualify for LTCi
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 ...
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6:10
Kevin and Kimberly's Story: Applying for LTCi After Two Declines
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,...
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8:27
Can You Buy LTCi with Osteoporosis?
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...
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7:51
Kidney Disease and Long-Term Care Insurance (Part 2)
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 lo...
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8:17
Kidney Disease and Long-Term Care Insurance (Part 1)
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 co...
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10:18
Your First Step to Buy Long-Term Care Insurance
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 in...
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9:38
Bob and Mindy's Story: Couple vs Individual Policies
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 p...
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10:56
Rod and Cassie's Story: Buying Long-Term Care Instantly Saved $40,000 in Taxes
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 ...
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8:29
Alan and Michelle's Story: How Buying Two Policies Saved Them Money
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 M...
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9:41
Steve and Marilyn's Story: Long-Term Care Planning with Annuities
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 lif...
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10:35
Drew's Story: Why Buy an Unlimited Long-Term Care Annuity?
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...
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10:12
John and Mary's Story: Why Buy an Unlimited Long-Term Care Policy?
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 preci...
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5:41
Jeff's Story: Unlimited Benefit Long-Term Care Policies
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 busines...
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7:09
Peter's Story: When Underwriters Make A Mistake
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 h...
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5:17
Kenny's Story: Declined for Long-Term Care Insurance? What's next?
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 d...
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5:58
Barbara's Story: Can You Purchase Long-Term Care Insurance at 83?
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 break...
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7:54
Jason's Story: Buying Long-Term Care Insurance at Age 40?
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 heal...
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10:07
Are Insurers "Fleeing" Long-Term Care Insurance?
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 e...
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5:58
Bill and Kim's Story: A Smart LTC Insurance Journey
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 hist...
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10:26
Five Guarantees You Need in Long-Term Care Insurance
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...
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9:12
How to Evaluate Insurance Illustrations (It's All About the Guarantees)
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 i...
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8:14
How We Turned $40K to $878K with Long-Term Care Insurance (Part 2)
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 p...
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6:33
How We Turned $40K to $878K with Long-Term Care Insurance (Part 1)
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 p...
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6:17