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
97 episodes
Dissecting a Long-Term Care Insurance Complaint
In this episode, Scott A. Olson explains that a consumer's complaint about a long-term care insurance claim being paid after 45 days is actually a sign the system is working properly, not a failure. Claims require extensive documentation, such ...
The Truth About LTC Insurance Complaints (What Ratings Don’t Tell You)
In this episode, Scott A. Olson explains why consumer complaint ratings for long-term care insurance companies can be misleading. He emphasizes the importance of analyzing the actual complaints instead of taking them at face value. By comparing...
How to Spot Misleading Insurance Company Ratings
In this episode, Scott A. Olson shares a real-life example of how misleading online reviews can derail smart long-term care insurance decisions. After recommending a highly reputable insurer to a client, the client hesitated because of poor rat...
Looking at Long-Term Care Insurance Complaints
In this episode, Scott A. Olson addresses common misconceptions about long-term care insurance claims. Despite widespread online complaints, the vast majority of claims are actually paid. He cites NAIC data showing over 300,000 policyholders re...
Debating Traditional vs Hybrid LTC Insurance (Part 2)
In this episode, Scott A. Olson reviews a recent Wall Street Journal article on hybrid life and long-term care insurance policies. He explains the key features and challenges, and addresses common misconceptions. Through real client examples, S...
Debating Traditional vs Hybrid LTC Insurance (Part 1)
In this episode, Scott A. Olson explains that the debate between traditional long-term care insurance and hybrid policies is often filled with half-truths and critical omissions. He emphasizes that neither option is inherently better than the o...
Long-Term Care Is NOT End-of-Life Care
In this episode, Scott A. Olson explains that while Medicaid often becomes the default for long-term care after people spend down their assets, it doesn't have to be. He emphasizes that long-term care is not end-of-life care, but rather ongoing...
Why Have Rate Increases Changed? (Part 2)
Watch the full version of this episode on YouTube.In this episode, Scott A. Olson dives into the rate increase history of Bankers Life and Casualty using a powerful new database from the Califo...
Why Have Rate Increases Changed? (Part 1)
Watch the full version of this episode on YouTube.In this episode, Scott A. Olson explains how consumers can use California's new searchable database to review the rate increase history of long-...
How to Find Long-Term Care Rate Increase History in Your State
Watch the full version of this episode on YouTubeIn this episode, Scott A. Olson explains how consumers can use California’s new searchable database to review the rate increase history of long-t...
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...
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...
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 ...
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,...
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...
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...
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...
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...
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...
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 ...
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...
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...
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...
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...
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...