Advertise on podcast: Long-Term Care Insurance Now

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 the relatively small number of complaints to the tens of thousands of claims paid, he argues that insurers' overall performance is often much better than it appears. He also walks through a specific complaint to illustrate how normal claims processing timelines can be misinterpreted as poor service. 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. Learn more at www.ltcshop.com Interested in a personalized quote? Check out my Policy Finder Buy Scott's Book: https://a.co/d/87570bu Contact Scott Email: [email protected] Phone: 877-727-9582 LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

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 ratings on a consumer complaint website. Many similar financially strong insurance companies also had low scores. Are all these companies horrible to their customers? Or is something else going on? 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. Learn more at www.ltcshop.com Interested in a personalized quote? Check out my Policy Finder Buy Scott's Book: https://a.co/d/87570bu Contact Scott Email: [email protected] Phone: 877-727-9582 LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

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 receive benefits annually and highlights that even companies with poor complaint indexes often have very few actual complaints. 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. Learn more at www.ltcshop.com Interested in a personalized quote? Check out my Policy Finder Buy Scott's Book: https://a.co/d/87570bu Contact Scott Email: [email protected] Phone: 877-727-9582 LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

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, Scott highlights how the underwriting differs between hybrid and traditional long-term care insurance. He also compares costs, noting that hybrids are typically more expensive, and outlines specific situations where a hybrid policy may be the better choice. WSJ: Hybrid Life & Long-Term Care Insurance 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. Learn more at www.ltcshop.com Interested in a personalized quote? Check out my Policy Finder Buy Scott's Book: https://a.co/d/87570bu Contact Scott Email: [email protected] Phone: 877-727-9582 LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

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 other. Both are simply different tools for funding long-term care. Scott's approach is to match each client with the most appropriate long-term care solution by evaluating a wide range of products, rather than promoting a one-size-fits-all answer. ChatGPT vs LTCi Expert (Part 1) ChatGPT vs LTCi Expert (Part 2) 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. Learn more at www.ltcshop.com Interested in a personalized quote? Check out my Policy Finder Buy Scott's Book: https://a.co/d/87570bu Contact Scott Email: [email protected] Phone: 877-727-9582 LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

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 support for people who may live many meaningful years with assistance. Using a personal story about his mother-in-law, he illustrates how individuals receiving care can still experience joy, family milestones, and fulfilling daily lives. Olson argues that everyone should have a clear plan for long-term care, whether or not it includes insurance. AP News Article  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. Learn more at www.ltcshop.com Interested in a personalized quote? Check out my Policy Finder Buy Scott's Book: https://a.co/d/87570bu Contact Scott Email: [email protected] Phone: 877-727-9582 LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

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 California Department of Insurance. He demonstrates how to analyze specific policy forms, revealing that older policies from the 1990s experienced moderate cumulative increases over decades, while newer policies show far greater pricing stability. CA Long-Term Care Rate History Tool 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. Learn more at www.ltcshop.com Interested in a personalized quote? Check out my Policy Finder Buy Scott's Book: https://a.co/d/87570bu Contact Scott Email: [email protected] Phone: 877-727-9582 LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

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-term care insurance policies across all 50 states. He walks viewers through how to search the database using key filters like company name, policy type, and state, using MassMutual Life Insurance Company as a real-world example. The tutorial highlights how different policy forms can experience vastly different rate increases, sometimes with multiple requests over time, and explains how those increases are reviewed, approved, and phased in. CA Long-Term Care Rate History Tool 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. Learn more at www.ltcshop.com Interested in a personalized quote? Check out my Policy Finder Buy Scott's Book: https://a.co/d/87570bu Contact Scott Email: [email protected] Phone: 877-727-9582 LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

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-term care insurance policies across more than 50 companies and all 50 states. He demonstrates how to navigate the database, including how to filter results by company, policy type, tax status, policy category, and state. The database can be a valuable research tool for both prospective buyers comparing insurers and current policyholders reviewing the history of rate increases on their own policy. CA Long-Term Care Rate History Tool 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. Learn more at www.ltcshop.com Interested in a personalized quote? Check out my Policy Finder Buy Scott's Book: https://a.co/d/87570bu Contact Scott Email: [email protected] Phone: 877-727-9582 LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

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-kept secret in long-term care planning because they allow middle-class families to protect assets from Medicaid spend-down, even if their policy benefits run out. 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. Learn more at www.ltcshop.com Interested in a personalized quote? Check out my Policy Finder Buy Scott's Book: https://a.co/d/87570bu Contact Scott Email: [email protected] Phone: 877-727-9582 LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

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 caregiving job you never applied for. 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. Learn more at www.ltcshop.com Interested in a personalized quote? Check out my Policy Finder Buy Scott's Book: https://a.co/d/87570bu Contact Scott Email: [email protected] Phone: 877-727-9582 LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

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 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. Learn more at www.ltcshop.com Interested in a personalized quote? Check out my Policy Finder Buy Scott's Book: https://a.co/d/87570bu Contact Scott Email: [email protected] Phone: 877-727-9582 LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

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 working with a specialist who represents many companies can make all the difference. 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. Learn more at www.ltcshop.com Interested in a personalized quote? Check out my Policy Finder Buy Scott's Book: https://a.co/d/87570bu Contact Scott Email: [email protected] Phone: 877-727-9582 LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

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 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. Learn more at www.ltcshop.com Interested in a personalized quote? Check out my Policy Finder Buy Scott's Book: https://a.co/d/87570bu Contact Scott Email: [email protected] Phone: 877-727-9582 LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

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. If you've been told you can't qualify for long-term care insurance due to kidney disease, this episode may change what you think is possible. 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. Learn more at www.ltcshop.com Interested in a personalized quote? Check out my Policy Finder Buy Scott's Book: https://a.co/d/87570bu Contact Scott Email: [email protected] Phone: 877-727-9582 LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/