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
64 episodes
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
The Hidden Cost of Self-Funding Your Long-Term Care
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, a...
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11:27
Long-Term Care Insurance is Portfolio Insurance
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-insurin...
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7:07
ChatGPT vs Long-Term Care Insurance Expert - Part 2
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 so...
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10:46
ChatGPT vs Long-Term Care Insurance Expert - Part 1
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 so...
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8:17
Our Pledge to You
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 on...
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3:43
How to Buy LTC Insurance in Four Steps
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...
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5:11
Why the New York Times Called Long-Term Care Insurance "Risky" (Part 8)
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 2000...
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6:02
What the New York Times Got Wrong About Long-Term Care Insurance (Part 7)
In this episode, Scott A. Olson uses humor and a bit of automotive history to highlight the New York Times' bias against long-term care insurance. He compares the notoriously unreliable Yugo to Penn Treaty, a small, financially weak long-term c...
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5:58
How the New York Times Miscalculated Long-Term Care Costs (Part 6)
In this episode, Scott Olson, co-founder of LTCShop.com and author of Long-Term Care Insurance Now, examines errors in the most popular New York Times article about long-term care insurance. He highlights how miscalculations, like confusing pre...
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4:27
What the New York Times Got Right About Long-Term Care (Part 5)
In this episode, Scott A. Olson highlights four key points the New York Times correctly identified about long-term care insurance. He discusses why it may not be suitable for everyone, how billions of claims benefit families annually, and the i...
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6:33
What the New York Times Gets Half-Right about "Wildly Inadequate" LTCi (Part 4)
In this episode, Scott A. Olson, CLTC, takes a closer look at another “half-truth” from The New York Times' 2023 article on long-term care insurance. The Times claimed that the private insurance market has proved “wildly inadequate,” yet also d...
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6:20
Half-Truths the New York Times Shared about Long-Term Care Insurance (Part 3)
In this episode, Scott A. Olson breaks down two "half-truths" from the 2023 New York Times article on long-term care insurance. He explains why so many companies stopped selling traditional LTC insurance more than 20 years ago and how new regul...
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8:53
What the NY Times Gets Wrong About New LTCi Policies (Part 2)
In this episode of LTCi Now, Scott A. Olson reveals key facts about long-term care insurance that the New York Times completely left out of its 2023 article. First, he explains that policies sold before 1993 were terrible. Second, he highlights...
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10:25
What the New York Times Gets Wrong About LTC Insurance (Part 1)
In this episode, Scott A. Olson discusses how the New York Times has repeatedly published misleading and negative articles about long-term care insurance. He argues that the coverage actually works. Scott explains that despite these recurring n...
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6:25
Let's Talk Averages
In this episode, Scott challenges the common financial-planning mistake of relying on averages when preparing for long-term care. He explains that just planning for retirement income to last only until the "average life expectancy" is misguided...
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6:11
One of the Best Ways to Self-Insure for Long-Term Care
In this episode, host Scott A. Olson explores one of the most effective strategies for those considering how to self-insure for long-term care: asset-based long-term care insurance. He outlines how asset-based LTC products leverage existing ass...
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6:33
Practical Guidance for Self-Insuring Your Long-Term Care
In this episode, Scott A. Olson shares practical steps for those planning to self-insure for long-term care. He warns that care costs can far exceed expectations, often wiping out savings. Scott explains how long-term care insurance provides im...
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6:00
When is the Best Time to Buy Long-Term Care Insurance?
In this episode, Scott A. Olson, co-founder of LTCShop.com and author of Long-Term Care Insurance Now, answers the question: What’s the best age to buy long-term care insurance?Welcome to Long-Term Care Insurance Now. Your trusted source...
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7:35
Roth IRAs: Third Worst Way to Pay for Long-Term Care
In this episode, Scott A. Olson reveals why using a Roth IRA to self-insure for long-term care is one of the worst strategies. While Roth IRAs are an incredible tool for retirement savings and passing wealth to heirs, spending them on long-term...
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3:52
HSAs: Second Worst Way to Pay for Long-Term Care
In this episode, Scott A. Olson breaks down why Health Savings Accounts (HSAs) are one of the worst ways to self-insure for long-term care. He explains how HSAs work, the tax advantages they offer, and why many people mistakenly see them as a l...
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10:19
The Worst Way to Self-Insure for Long-Term Care
In this episode, Scott A. Olson unpacks the biggest mistake people make when they say they'll "self-insure" for long-term care. Too often, individuals never communicate their intentions with the very people who will be responsible for their car...
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4:35
Easily Compare Hybrid and Traditional Long-Term Care Policies
In this episode, Scott A. Olson explains how to compare traditional long-term care insurance with hybrid life/LTC policies. He emphasizes the importance of confirming that a hybrid is guaranteed to remain in force for life and advises ignoring ...
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8:42