Long-Term Care Insurance Now Wed, 10 Jun 2026 03:05:14 -0400 https://long-term-care-q-a-podcast.simplecast.com en © 2026 Long-Term Care Insurance Now yes 443914bd-ca5d-58af-bd65-f1414ac44fa0 ltcinsurancenow@gmail.com Scott A. Olson episodic false 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.

]]> Buzzsprout (https://www.buzzsprout.com) Scott A. Olson ltcinsurancenow@gmail.com https://storage.buzzsprout.com/it1m4mgqme6kzjhjf73iiwhu0la6?.jpg Long-Term Care Insurance Now https://long-term-care-q-a-podcast.simplecast.com Chronic Illness Rider Traps! (1 of 4) Chronic Illness Rider Traps! (1 of 4) Scott A. Olson, co-founder of LTCShop.com and author of "Long-Term Care Insurance NOW!", pulls back the curtain on why using an indexed universal life policy and a chronic illness rider is often a massive retirement trap. He exposes how these non-guaranteed life insurance policies carry hidden risks
and extra costs compared to a traditional long-term care insurance policy. Olson challenges the "use it or lose it" fallacy and emphasizes that with traditional LTC insurance, individuals avoid the heavy premium drag of a massive death benefit they do not need, allowing them to invest the savings.

Buy my book on Amazon: https://zurl.co/6YK23
Listen to the podcast: https://zurl.co/dtGSK
Watch our YouTube channel: https://zurl.co/0DvqQ
Visit our website to learn more: https://zurl.co/8BxY3

Scott A. Olson, CLTC®, is co-founder of LTCShop.com and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.

Policy features, riders, and definitions mentioned in this article vary heavily by insurance carrier and state regulations. Partnership protections apply only to state-approved plans. Consult an LTCShop.com licensed specialist for specific carrier language.

]]> Scott A. Olson, co-founder of LTCShop.com and author of "Long-Term Care Insurance NOW!", pulls back the curtain on why using an indexed universal life policy and a chronic illness rider is often a massive retirement trap. He exposes how these non-guaranteed life insurance policies carry hidden risks
and extra costs compared to a traditional long-term care insurance policy. Olson challenges the "use it or lose it" fallacy and emphasizes that with traditional LTC insurance, individuals avoid the heavy premium drag of a massive death benefit they do not need, allowing them to invest the savings.

Buy my book on Amazon: https://zurl.co/6YK23
Listen to the podcast: https://zurl.co/dtGSK
Watch our YouTube channel: https://zurl.co/0DvqQ
Visit our website to learn more: https://zurl.co/8BxY3

Scott A. Olson, CLTC®, is co-founder of LTCShop.com and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.

Policy features, riders, and definitions mentioned in this article vary heavily by insurance carrier and state regulations. Partnership protections apply only to state-approved plans. Consult an LTCShop.com licensed specialist for specific carrier language.

]]> Scott A. Olson Buzzsprout-19323278 Wed, 10 Jun 2026 00:00:00 -0700 395 full false "I’m 55, married and want a $1.5 million long-term care policy." "I’m 55, married and want a $1.5 million long-term care policy." In this episode, Scott A. Olson breaks down a recent MarketWatch article to clear up common misconceptions about long-term care insurance. He highlights how the author completely overlooked the power of a shared benefit rider, which allows a married couple to secure a larger pool of coverage far more affordably than buying separate policies. Scott also tackles the "use it or lose it" myth, addresses historic premium anxieties, and exposes the hidden risks buried inside alternative universal life products with chronic illness riders.

MarketWatch Article: "I’m 55, married, and want a $1.5 million long-term care policy. Do I get a traditional or hybrid?"*

*Use this link if you don't want to register for MarketWatch.com

Buy my book on Amazon: https://zurl.co/6YK23
Listen to the podcast: https://zurl.co/dtGSK
Watch our YouTube channel: https://zurl.co/0DvqQ
Visit our website to learn more: https://zurl.co/8BxY3

Scott A. Olson, CLTC®, is co-founder of LTCShop.com and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.

Policy features, riders, and definitions mentioned in this article vary heavily by insurance carrier and state regulations. Partnership protections apply only to state-approved plans. Consult an LTCShop.com licensed specialist for specific carrier language.



]]> In this episode, Scott A. Olson breaks down a recent MarketWatch article to clear up common misconceptions about long-term care insurance. He highlights how the author completely overlooked the power of a shared benefit rider, which allows a married couple to secure a larger pool of coverage far more affordably than buying separate policies. Scott also tackles the "use it or lose it" myth, addresses historic premium anxieties, and exposes the hidden risks buried inside alternative universal life products with chronic illness riders.

MarketWatch Article: "I’m 55, married, and want a $1.5 million long-term care policy. Do I get a traditional or hybrid?"*

*Use this link if you don't want to register for MarketWatch.com

Buy my book on Amazon: https://zurl.co/6YK23
Listen to the podcast: https://zurl.co/dtGSK
Watch our YouTube channel: https://zurl.co/0DvqQ
Visit our website to learn more: https://zurl.co/8BxY3

Scott A. Olson, CLTC®, is co-founder of LTCShop.com and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.

Policy features, riders, and definitions mentioned in this article vary heavily by insurance carrier and state regulations. Partnership protections apply only to state-approved plans. Consult an LTCShop.com licensed specialist for specific carrier language.



]]> Scott A. Olson Buzzsprout-19303768 Sat, 06 Jun 2026 00:00:00 -0700 699 full false The Psychology of LTC Planning The Psychology of LTC Planning In this episode, long-term care insurance expert Scott A. Olson argues that asking clients if they would struggle emotionally with spending their assets on care is unhelpful. Most people don't know how they or their family would react when a crisis actually occurs. He explains that decision-making typically defaults to stressed family members, who often default to providing unpaid care themselves rather than spending retirement funds. Scott emphasizes that owning long-term care insurance removes this burden, giving families the peace of mind and financial freedom to hire professional help early.

"Should I Buy LTCi?" Chart: https://shorturl.at/uMErL

Buy my book on Amazon: https://zurl.co/6YK23
Listen to the podcast: https://zurl.co/dtGSK
Watch our YouTube channel: https://zurl.co/0DvqQ
Visit our website to learn more: https://zurl.co/8BxY3

Scott A. Olson, CLTC®, is co-founder of LTCShop.com and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.

Policy features, riders, and definitions mentioned in this article vary heavily by insurance carrier and state regulations. Partnership protections apply only to state-approved plans. Consult an LTCShop.com licensed specialist for specific carrier language.


]]> In this episode, long-term care insurance expert Scott A. Olson argues that asking clients if they would struggle emotionally with spending their assets on care is unhelpful. Most people don't know how they or their family would react when a crisis actually occurs. He explains that decision-making typically defaults to stressed family members, who often default to providing unpaid care themselves rather than spending retirement funds. Scott emphasizes that owning long-term care insurance removes this burden, giving families the peace of mind and financial freedom to hire professional help early.

"Should I Buy LTCi?" Chart: https://shorturl.at/uMErL

Buy my book on Amazon: https://zurl.co/6YK23
Listen to the podcast: https://zurl.co/dtGSK
Watch our YouTube channel: https://zurl.co/0DvqQ
Visit our website to learn more: https://zurl.co/8BxY3

Scott A. Olson, CLTC®, is co-founder of LTCShop.com and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.

Policy features, riders, and definitions mentioned in this article vary heavily by insurance carrier and state regulations. Partnership protections apply only to state-approved plans. Consult an LTCShop.com licensed specialist for specific carrier language.


]]> Scott A. Olson Buzzsprout-19285091 Wed, 03 Jun 2026 00:00:00 -0700 457 full false Debunking LTCi Planning Myths - Part 2 Debunking LTCi Planning Myths - Part 2 Long-term care insurance (LTCi) expert Scott A. Olson analyzes a financial planner's chart to help individuals determine if they should purchase LTCi coverage. He aligns with the planner's view that both aggressive and conservative investors can benefit from LTCi, using a personal story about his mother-in-law to demonstrate how coverage strategically safeguarded her investment portfolio. But even those with a moderate strategy who are prepared to spend their liquid assets on long-term care need to look into how LTCi can protect their future.

"Should I Buy LTCi?" Chart: https://shorturl.at/uMErL

Buy my book on Amazon: https://zurl.co/6YK23
Listen to the podcast: https://zurl.co/dtGSK
Watch our YouTube channel: https://zurl.co/0DvqQ
Visit our website to learn more: https://zurl.co/8BxY3

Scott A. Olson, CLTC®, is co-founder of LTCShop.com and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.

Policy features, riders, and definitions mentioned in this article vary heavily by insurance carrier and state regulations. Partnership protections apply only to state-approved plans. Consult an LTCShop.com licensed specialist for specific carrier language.

]]> Long-term care insurance (LTCi) expert Scott A. Olson analyzes a financial planner's chart to help individuals determine if they should purchase LTCi coverage. He aligns with the planner's view that both aggressive and conservative investors can benefit from LTCi, using a personal story about his mother-in-law to demonstrate how coverage strategically safeguarded her investment portfolio. But even those with a moderate strategy who are prepared to spend their liquid assets on long-term care need to look into how LTCi can protect their future.

"Should I Buy LTCi?" Chart: https://shorturl.at/uMErL

Buy my book on Amazon: https://zurl.co/6YK23
Listen to the podcast: https://zurl.co/dtGSK
Watch our YouTube channel: https://zurl.co/0DvqQ
Visit our website to learn more: https://zurl.co/8BxY3

Scott A. Olson, CLTC®, is co-founder of LTCShop.com and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.

Policy features, riders, and definitions mentioned in this article vary heavily by insurance carrier and state regulations. Partnership protections apply only to state-approved plans. Consult an LTCShop.com licensed specialist for specific carrier language.

]]> Scott A. Olson Buzzsprout-19265974 Sat, 30 May 2026 14:00:00 -0700 653 full false Debunking LTCi Planning Myths - Part 1 Debunking LTCi Planning Myths - Part 1 Long-term care insurance (LTCi) expert Scott A. Olson analyzes a financial planner's chart to help individuals determine if they should purchase LTCi coverage. He reviews three specific suppositions from the chart: affordability, spousal age gaps, and family longevity. He notes where he agrees or disagrees with the planner's logic. Olson points out that asset levels, the hidden costs of self-insuring, and modern medical advancements are critical contexts missing from the chart's generalizations.

"Should I Buy LTCi?" Chart: https://shorturl.at/uMErL

Buy my book on Amazon: https://zurl.co/6YK23
Listen to the podcast: https://zurl.co/dtGSK
Watch our YouTube channel: https://zurl.co/0DvqQ
Visit our website to learn more: https://zurl.co/8BxY3

Scott A. Olson, CLTC®, is co-founder of LTCShop.com and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.

Policy features, riders, and definitions mentioned in this article vary heavily by insurance carrier and state regulations. Partnership protections apply only to state-approved plans. Consult an LTCShop.com licensed specialist for specific carrier language.

]]> Long-term care insurance (LTCi) expert Scott A. Olson analyzes a financial planner's chart to help individuals determine if they should purchase LTCi coverage. He reviews three specific suppositions from the chart: affordability, spousal age gaps, and family longevity. He notes where he agrees or disagrees with the planner's logic. Olson points out that asset levels, the hidden costs of self-insuring, and modern medical advancements are critical contexts missing from the chart's generalizations.

"Should I Buy LTCi?" Chart: https://shorturl.at/uMErL

Buy my book on Amazon: https://zurl.co/6YK23
Listen to the podcast: https://zurl.co/dtGSK
Watch our YouTube channel: https://zurl.co/0DvqQ
Visit our website to learn more: https://zurl.co/8BxY3

Scott A. Olson, CLTC®, is co-founder of LTCShop.com and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.

Policy features, riders, and definitions mentioned in this article vary heavily by insurance carrier and state regulations. Partnership protections apply only to state-approved plans. Consult an LTCShop.com licensed specialist for specific carrier language.

]]> Scott A. Olson Buzzsprout-19246690 Wed, 27 May 2026 00:00:00 -0700 639 full false Three Questions to Ask Before You Buy LTCi Three Questions to Ask Before You Buy LTCi In this episode, long-term care insurance expert Scott A. Olson explains that the decision to buy long-term care insurance is simpler than it may seem. He outlines three key questions people should ask themselves: whether they have assets worth protecting, whether they want to preserve those assets, and whether they are still healthy enough to qualify for meaningful coverage. He emphasizes the importance of working with a long-term care insurance specialist to compare all available options and create a plan that protects both finances and family caregivers.

Should I Buy Long-Term Care Insurance Post

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/


]]> In this episode, long-term care insurance expert Scott A. Olson explains that the decision to buy long-term care insurance is simpler than it may seem. He outlines three key questions people should ask themselves: whether they have assets worth protecting, whether they want to preserve those assets, and whether they are still healthy enough to qualify for meaningful coverage. He emphasizes the importance of working with a long-term care insurance specialist to compare all available options and create a plan that protects both finances and family caregivers.

Should I Buy Long-Term Care Insurance Post

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/


]]> Scott A. Olson Buzzsprout-19227663 Sat, 23 May 2026 16:00:00 -0700 488 full false Elimination Period FAQs Elimination Period FAQs In this episode, Scott A. Olson answers common questions about how elimination periods work, including whether care days can accumulate over time and whether family-provided care counts toward satisfying the waiting period. The episode concludes with important guidance on avoiding costly mistakes during the claims process and why it's important to understand your elimination period before care is needed.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/


]]> In this episode, Scott A. Olson answers common questions about how elimination periods work, including whether care days can accumulate over time and whether family-provided care counts toward satisfying the waiting period. The episode concludes with important guidance on avoiding costly mistakes during the claims process and why it's important to understand your elimination period before care is needed.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/


]]> Scott A. Olson Buzzsprout-19213660 Wed, 20 May 2026 16:00:00 -0700 456 full false How Many Types of Elimination Periods Are There? How Many Types of Elimination Periods Are There? In this episode, Scott A. Olson explains the different types of elimination periods used in long-term care insurance policies. He breaks them down to show how different policies count days toward satisfying the elimination period and why understanding these details can dramatically affect when benefits begin.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

]]> In this episode, Scott A. Olson explains the different types of elimination periods used in long-term care insurance policies. He breaks them down to show how different policies count days toward satisfying the elimination period and why understanding these details can dramatically affect when benefits begin.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

]]> Scott A. Olson Buzzsprout-19190798 Sun, 17 May 2026 09:00:00 -0700 449 long-term care, insurance, long term care insurance, ltc, ltci full false Understanding Elimination Periods Understanding Elimination Periods In this episode, Scott A. Olson explains one of the most misunderstood features of long-term care insurance: the elimination period. He breaks down what an elimination period really is and why insurance companies use the term. Scott illustrates several ways to satisfy a ninety-day elimination period quickly and affordably.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

]]> In this episode, Scott A. Olson explains one of the most misunderstood features of long-term care insurance: the elimination period. He breaks down what an elimination period really is and why insurance companies use the term. Scott illustrates several ways to satisfy a ninety-day elimination period quickly and affordably.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

]]> Scott A. Olson Buzzsprout-19172281 Wed, 13 May 2026 10:00:00 -0700 446 full false Can You Get LTC Insurance with Migraines, HIV/AIDS, or Alzheimer’s? Can You Get LTC Insurance with Migraines, HIV/AIDS, or Alzheimer’s? In this episode, long-term care insurance expert Scott A. Olson
explains how different health conditions can affect eligibility for the five major types of long-term care coverage available today. He walks through conditions such as severe migraines, elevated PSA, congestive heart failure, stroke history, HIV/AIDS, chronic bronchitis, Alzheimer's family history, aneurysms, implanted defibrillators, and atrial fibrillation. Scott highlights the importance of working with a specialist who understands how underwriting differs across policy types.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

]]> In this episode, long-term care insurance expert Scott A. Olson
explains how different health conditions can affect eligibility for the five major types of long-term care coverage available today. He walks through conditions such as severe migraines, elevated PSA, congestive heart failure, stroke history, HIV/AIDS, chronic bronchitis, Alzheimer's family history, aneurysms, implanted defibrillators, and atrial fibrillation. Scott highlights the importance of working with a specialist who understands how underwriting differs across policy types.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

]]> Scott A. Olson Buzzsprout-19150047 Sat, 09 May 2026 10:00:00 -0700 586 full false Can You Get LTC Insurance with Cancer, Diabetes, or Bipolar Disorder? Can You Get LTC Insurance with Cancer, Diabetes, or Bipolar Disorder? In this episode, Scott A. Olson explains the five different types of long-term care policies available today and how various health conditions can impact eligibility for coverage. He shares that underwriting guidelines vary significantly by product type and company. But even individuals with serious health histories may still have viable coverage options.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

]]> In this episode, Scott A. Olson explains the five different types of long-term care policies available today and how various health conditions can impact eligibility for coverage. He shares that underwriting guidelines vary significantly by product type and company. But even individuals with serious health histories may still have viable coverage options.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

]]> Scott A. Olson Buzzsprout-19137460 Wed, 06 May 2026 14:00:00 -0700 600 full false Are Hybrids Easier to Qualify for than Traditional Policies? Are Hybrids Easier to Qualify for than Traditional Policies? In this episode, Scott A. Olson explains whether qualifying for a hybrid (life insurance with an LTC rider) or a traditional standalone policy depends heavily on an individual's specific health conditions. He shares two real client cases in which applicants were declined for hybrid policies but successfully approved for traditional long-term care insurance. The examples emphasize the importance of applying earlier in life, as delaying coverage can lead to complications or limited choices.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

]]> In this episode, Scott A. Olson explains whether qualifying for a hybrid (life insurance with an LTC rider) or a traditional standalone policy depends heavily on an individual's specific health conditions. He shares two real client cases in which applicants were declined for hybrid policies but successfully approved for traditional long-term care insurance. The examples emphasize the importance of applying earlier in life, as delaying coverage can lead to complications or limited choices.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

]]> Scott A. Olson Buzzsprout-19101568 Wed, 29 Apr 2026 22:00:00 -0700 554 full false Dissecting a Long-Term Care Insurance Complaint 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 as assessments, medical records, and other supporting materials, which often takes 60–90 days. Unrealistic expectations can lead to frustration, especially when policyholders assume quick payouts or misunderstand features like zero waiting periods. Scott reframes the complaint as a misunderstanding of how insurance claims are designed to function efficiently and responsibly.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

]]> 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 as assessments, medical records, and other supporting materials, which often takes 60–90 days. Unrealistic expectations can lead to frustration, especially when policyholders assume quick payouts or misunderstand features like zero waiting periods. Scott reframes the complaint as a misunderstanding of how insurance claims are designed to function efficiently and responsibly.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

]]> Scott A. Olson Buzzsprout-19075725 Sat, 25 Apr 2026 13:00:00 -0700 615 full false The Truth About LTC Insurance Complaints (What Ratings Don’t Tell You) 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 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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

]]> 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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

]]> Scott A. Olson Buzzsprout-19062114 Wed, 22 Apr 2026 14:00:00 -0700 502 full false How to Spot Misleading Insurance Company Ratings 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 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: Scott@LTCShop.com
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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

]]> Scott A. Olson Buzzsprout-19037218 Sat, 18 Apr 2026 15:00:00 -0700 424 full false Looking at Long-Term Care Insurance Complaints 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 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: Scott@LTCShop.com
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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

]]> Scott A. Olson Buzzsprout-19018879 Wed, 15 Apr 2026 00:00:00 -0700 324 full false Debating Traditional vs Hybrid LTC Insurance (Part 2) 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, 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: Scott@LTCShop.com
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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

]]> Scott A. Olson Buzzsprout-18999130 Sat, 11 Apr 2026 13:00:00 -0700 660 full false Debating Traditional vs Hybrid LTC Insurance (Part 1) 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 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: Scott@LTCShop.com
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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

]]> Scott A. Olson Buzzsprout-18982618 Wed, 08 Apr 2026 07:00:00 -0700 457 full false Long-Term Care Is NOT End-of-Life Care 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 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: Scott@LTCShop.com
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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

]]> Scott A. Olson Buzzsprout-18948384 Wed, 01 Apr 2026 19:00:00 -0700 542 full false Why Have Rate Increases Changed? (Part 2) 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 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: Scott@LTCShop.com
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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

]]> Scott A. Olson Buzzsprout-18876321 Sat, 21 Mar 2026 00:00:00 -0700 381 full false Why Have Rate Increases Changed? (Part 1) 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-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: Scott@LTCShop.com
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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

]]> Scott A. Olson Buzzsprout-18871958 Wed, 18 Mar 2026 16:00:00 -0700 613 full false How to Find Long-Term Care Rate Increase History in Your State How to Find Long-Term Care Rate Increase History in Your State 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: Scott@LTCShop.com
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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

]]> Scott A. Olson Buzzsprout-18847752 Sun, 15 Mar 2026 00:00:00 -0700 553 full false The Best Kept Secret in Long-Term Care Insurance 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 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: Scott@LTCShop.com
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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

]]> Scott A. Olson Buzzsprout-18810622 Sun, 08 Mar 2026 11:00:00 -0700 428 full false The Harsh Realities of Long-Term Caregiving 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 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: Scott@LTCShop.com
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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

]]> Scott A. Olson Buzzsprout-18792593 Wed, 04 Mar 2026 16:00:00 -0800 483 full false Brian's Story: What to do if your spouse can't qualify for LTCi 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 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: Scott@LTCShop.com
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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

]]> Scott A. Olson Buzzsprout-18707434 Wed, 18 Feb 2026 11:00:00 -0800 370 full false Kevin and Kimberly's Story: Applying for LTCi After Two Declines 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, 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: Scott@LTCShop.com
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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

]]> Scott A. Olson Buzzsprout-18687464 Sun, 15 Feb 2026 09:00:00 -0800 507 full false Can You Buy LTCi with Osteoporosis? 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, 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: Scott@LTCShop.com
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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

]]> Scott A. Olson Buzzsprout-18658827 Wed, 11 Feb 2026 00:00:00 -0800 471 full false Kidney Disease and Long-Term Care Insurance (Part 2) 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 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: Scott@LTCShop.com
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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

]]> Scott A. Olson Buzzsprout-18642480 Sun, 08 Feb 2026 00:00:00 -0800 497 full false Kidney Disease and Long-Term Care Insurance (Part 1) 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 complex health conditions, while highlighting how annuities with long-term care riders can offer a practical alternative. Scott emphasizes that even when traditional options are limited, there may still be effective strategies worth exploring.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

]]> 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 complex health conditions, while highlighting how annuities with long-term care riders can offer a practical alternative. Scott emphasizes that even when traditional options are limited, there may still be effective strategies worth exploring.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

]]> Scott A. Olson Buzzsprout-18628049 Wed, 04 Feb 2026 19:00:00 -0800 618 full false Your First Step to Buy Long-Term Care Insurance 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 initial conversation focuses on health history, personal goals, and how the policy should function, recognizing that underwriting and policy options vary widely. The goal is to design thoughtful, personalized coverage rather than recommend a one-size-fits-all solution.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

]]> 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 initial conversation focuses on health history, personal goals, and how the policy should function, recognizing that underwriting and policy options vary widely. The goal is to design thoughtful, personalized coverage rather than recommend a one-size-fits-all solution.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

]]> Scott A. Olson Buzzsprout-18603453 Sat, 31 Jan 2026 22:00:00 -0800 578 full false Bob and Mindy's Story: Couple vs Individual Policies 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 policies a smarter choice, allowing each person to get the best coverage available to them. Scott explains how buying different policies from different companies can sometimes provide better protection, pricing, and flexibility for couples.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

]]> 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 policies a smarter choice, allowing each person to get the best coverage available to them. Scott explains how buying different policies from different companies can sometimes provide better protection, pricing, and flexibility for couples.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

]]> Scott A. Olson Buzzsprout-18585607 Wed, 28 Jan 2026 10:00:00 -0800 656 full false Rod and Cassie's Story: Buying Long-Term Care Instantly Saved $40,000 in Taxes 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 annuity with significant taxable gains into tax-free long-term care benefits for both spouses. Scott also walks through why this strategy worked despite health challenges that made traditional long-term care insurance difficult or impossible to obtain.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

]]> 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 annuity with significant taxable gains into tax-free long-term care benefits for both spouses. Scott also walks through why this strategy worked despite health challenges that made traditional long-term care insurance difficult or impossible to obtain.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

]]> Scott A. Olson Buzzsprout-18563660 Sat, 24 Jan 2026 13:00:00 -0800 509 full false Alan and Michelle's Story: How Buying Two Policies Saved Them Money 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 Michelle, he explains that buying separate policies from different insurers can sometimes deliver better benefits, lower premiums, and even additional death benefits than a shared policy.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

]]> 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 Michelle, he explains that buying separate policies from different insurers can sometimes deliver better benefits, lower premiums, and even additional death benefits than a shared policy.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

]]> Scott A. Olson Buzzsprout-18549511 Wed, 21 Jan 2026 14:00:00 -0800 581 full false Steve and Marilyn's Story: Long-Term Care Planning with Annuities 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 lifetime, uncapped benefits with guaranteed inflation protection. Through thoughtful planning, you too can turn taxable assets into tax-free long-term care benefits while protecting your family’s broader net worth.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/


]]> 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 lifetime, uncapped benefits with guaranteed inflation protection. Through thoughtful planning, you too can turn taxable assets into tax-free long-term care benefits while protecting your family’s broader net worth.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/


]]> Scott A. Olson Buzzsprout-18521838 Sat, 17 Jan 2026 00:00:00 -0800 635 full false Drew's Story: Why Buy an Unlimited Long-Term Care Annuity? 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 care coverage with no lifetime cap and no ongoing premiums. Scott explains how strategies like this can help protect assets, reduce taxes, and guard against truly catastrophic long-term care costs.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> 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 care coverage with no lifetime cap and no ongoing premiums. Scott explains how strategies like this can help protect assets, reduce taxes, and guard against truly catastrophic long-term care costs.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> Scott A. Olson Buzzsprout-18507825 Wed, 14 Jan 2026 09:00:00 -0800 612 full false John and Mary's Story: Why Buy an Unlimited Long-Term Care Policy? 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 precisely why a no–lifetime-cap policy made sense for them, how health underwriting affected carrier selection, and how co-insuring fits their overall strategy.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> 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 precisely why a no–lifetime-cap policy made sense for them, how health underwriting affected carrier selection, and how co-insuring fits their overall strategy.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
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Twitter

]]> Scott A. Olson Buzzsprout-18485499 Sat, 10 Jan 2026 12:00:00 -0800 341 full false Jeff's Story: Unlimited Benefit Long-Term Care Policies 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 business owner who wasn't worried about short-term care costs, but about protecting his family from a truly catastrophic, lifelong care need. Scott walks through how Jeff secured a no-lifetime-cap policy with growing benefits, despite health considerations, and why that solution fit his financial picture and priorities.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> 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 business owner who wasn't worried about short-term care costs, but about protecting his family from a truly catastrophic, lifelong care need. Scott walks through how Jeff secured a no-lifetime-cap policy with growing benefits, despite health considerations, and why that solution fit his financial picture and priorities.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> Scott A. Olson Buzzsprout-18469866 Wed, 07 Jan 2026 10:00:00 -0800 429 full false Peter's Story: When Underwriters Make A Mistake 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 how a simple underwriting mistake was identified, challenged, and ultimately reversed. This case study offers valuable insight into why having an experienced specialist in your corner truly matters.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> 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 how a simple underwriting mistake was identified, challenged, and ultimately reversed. This case study offers valuable insight into why having an experienced specialist in your corner truly matters.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> Scott A. Olson Buzzsprout-18447656 Sat, 03 Jan 2026 13:00:00 -0800 317 full false Kenny's Story: Declined for Long-Term Care Insurance? What's next? 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 deeper understanding of underwriting guidelines led to approval with a better policy at a lower premium. One "no" doesn't mean every company will say no, and the right strategy can uncover better options than you expect.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> 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 deeper understanding of underwriting guidelines led to approval with a better policy at a lower premium. One "no" doesn't mean every company will say no, and the right strategy can uncover better options than you expect.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> Scott A. Olson Buzzsprout-18435392 Wed, 31 Dec 2025 00:00:00 -0800 358 full false Barbara's Story: Can You Purchase Long-Term Care Insurance at 83? 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 breaks down the underwriting challenges, the policy design, the costs, and how this coverage compares to Jason's policy discussed in the prior episode. It's a practical, behind-the-scenes look at how thoughtful planning and timing can still make a meaningful difference, even later in life.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> 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 breaks down the underwriting challenges, the policy design, the costs, and how this coverage compares to Jason's policy discussed in the prior episode. It's a practical, behind-the-scenes look at how thoughtful planning and timing can still make a meaningful difference, even later in life.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> Scott A. Olson Buzzsprout-18420031 Sat, 27 Dec 2025 17:00:00 -0800 474 full false Jason's Story: Buying Long-Term Care Insurance at Age 40? 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 health conditions. Scott explains the financial priorities that should come first, why Jason ultimately bought coverage, and how his benefits grow dramatically over time.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> 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 health conditions. Scott explains the financial priorities that should come first, why Jason ultimately bought coverage, and how his benefits grow dramatically over time.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> Scott A. Olson Buzzsprout-18410623 Wed, 24 Dec 2025 00:00:00 -0800 607 full false Are Insurers "Fleeing" Long-Term Care Insurance? 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 early 2000s reshaped the long-term care insurance market and why today's remaining carriers are specialists, not survivors by accident.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> 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 early 2000s reshaped the long-term care insurance market and why today's remaining carriers are specialists, not survivors by accident.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> Scott A. Olson Buzzsprout-18392463 Sat, 20 Dec 2025 16:00:00 -0800 358 full false Bill and Kim's Story: A Smart LTC Insurance Journey 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 history, and decision-making process, explaining why a traditional long-term care insurance policy was the best fit for them, with over $1.5 million in projected shared benefits.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> 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 history, and decision-making process, explaining why a traditional long-term care insurance policy was the best fit for them, with over $1.5 million in projected shared benefits.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> Scott A. Olson Buzzsprout-18374120 Wed, 17 Dec 2025 10:00:00 -0800 626 full false Five Guarantees You Need in Long-Term Care Insurance 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-negotiable criteria every policy should meet and exposes common (and costly) mistakes made by advisors and consumers alike.

If you've been handed a life insurance illustration instead of long-term care insurance, Scott will review it for you at no charge.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> 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-negotiable criteria every policy should meet and exposes common (and costly) mistakes made by advisors and consumers alike.

If you've been handed a life insurance illustration instead of long-term care insurance, Scott will review it for you at no charge.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> Scott A. Olson Buzzsprout-18349028 Sat, 13 Dec 2025 16:00:00 -0800 552 full false How to Evaluate Insurance Illustrations (It's All About the Guarantees) 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 insurance. Scott breaks down a real example where an advisor presented only the non-guaranteed pages of a policy, hiding the actual guaranteed values. He shares the five must-have guarantees every life/LTC policy should include. 

If you've been handed a life insurance illustration instead of long-term care insurance, Scott will review it for you at no charge.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> 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 insurance. Scott breaks down a real example where an advisor presented only the non-guaranteed pages of a policy, hiding the actual guaranteed values. He shares the five must-have guarantees every life/LTC policy should include. 

If you've been handed a life insurance illustration instead of long-term care insurance, Scott will review it for you at no charge.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> Scott A. Olson Buzzsprout-18333250 Wed, 10 Dec 2025 12:00:00 -0800 494 full false How We Turned $40K to $878K with Long-Term Care Insurance (Part 2) 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 policy enabled her to avoid capital gains taxes, preserve real estate investments, and invest excess income while her care costs were fully covered. It's a clear, real-world example of how long-term care insurance can protect both assets and family.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> 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 policy enabled her to avoid capital gains taxes, preserve real estate investments, and invest excess income while her care costs were fully covered. It's a clear, real-world example of how long-term care insurance can protect both assets and family.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> Scott A. Olson Buzzsprout-18290914 Sat, 06 Dec 2025 00:00:00 -0800 393 full false How We Turned $40K to $878K with Long-Term Care Insurance (Part 1) 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 policy enabled her to avoid capital gains taxes, preserve real estate investments, and invest excess income while her care costs were fully covered. It's a clear, real-world example of how long-term care insurance can protect both assets and family.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> 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 policy enabled her to avoid capital gains taxes, preserve real estate investments, and invest excess income while her care costs were fully covered. It's a clear, real-world example of how long-term care insurance can protect both assets and family.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> Scott A. Olson Buzzsprout-18290909 Wed, 03 Dec 2025 00:00:00 -0800 377 full false The Hidden Cost of Self-Funding Your Long-Term Care 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, and increased Medicare premiums. Scott explains why tax-free long-term care insurance can be a smarter strategy for protecting your retirement assets.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
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Twitter

]]> 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, and increased Medicare premiums. Scott explains why tax-free long-term care insurance can be a smarter strategy for protecting your retirement assets.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> Scott A. Olson Buzzsprout-18260607 Sat, 29 Nov 2025 00:00:00 -0800 687 full false Long-Term Care Insurance is Portfolio Insurance 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-insuring and far more to lose. Using simple, real-world examples, he breaks down the actual risk and why long-term care insurance functions as "portfolio 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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> 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-insuring and far more to lose. Using simple, real-world examples, he breaks down the actual risk and why long-term care insurance functions as "portfolio 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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> Scott A. Olson Buzzsprout-18253471 Wed, 26 Nov 2025 00:00:00 -0800 427 full false ChatGPT vs Long-Term Care Insurance Expert - Part 2 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 solid **F**. While ChatGPT got a few things right, it missed several essential truths that consumers need to make informed decisions. This video shows why real expertise still matters in long-term care planning. If you're considering long-term care coverage, this video will save you from costly mistakes.

Choosing Long-Term Care Insurance: AI VS a Real Expert

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> 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 solid **F**. While ChatGPT got a few things right, it missed several essential truths that consumers need to make informed decisions. This video shows why real expertise still matters in long-term care planning. If you're considering long-term care coverage, this video will save you from costly mistakes.

Choosing Long-Term Care Insurance: AI VS a Real Expert

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> Scott A. Olson Buzzsprout-18235737 Sat, 22 Nov 2025 10:00:00 -0800 646 full false ChatGPT vs Long-Term Care Insurance Expert - Part 1 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 solid **F** for overlooking several critical factors that consumers must understand before making a decision. If you're considering long-term care coverage, this video will save you from costly mistakes.

Choosing Long-Term Care Insurance: AI VS a Real Expert

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> 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 solid **F** for overlooking several critical factors that consumers must understand before making a decision. If you're considering long-term care coverage, this video will save you from costly mistakes.

Choosing Long-Term Care Insurance: AI VS a Real Expert

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> Scott A. Olson Buzzsprout-18229069 Thu, 20 Nov 2025 22:00:00 -0800 497 full false Our Pledge to You 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 only the coverage that is best for you.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> 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 only the coverage that is best for you.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> Scott A. Olson Buzzsprout-18196150 Sat, 15 Nov 2025 12:00:00 -0800 223 full false How to Buy LTC Insurance in Four Steps 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, complete your application, and ensure your coverage truly fits your needs and budget. Whether you're just starting to explore long-term care insurance or ready to apply, this video will show you what to expect every step of the way.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> 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, complete your application, and ensure your coverage truly fits your needs and budget. Whether you're just starting to explore long-term care insurance or ready to apply, this video will show you what to expect every step of the way.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> Scott A. Olson Buzzsprout-18183218 Thu, 13 Nov 2025 01:00:00 -0800 311 full false Why the New York Times Called Long-Term Care Insurance "Risky" (Part 8) 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 2000s were underpriced and placed financial strain on some insurers, whereas today's policies are accurately priced and stable.

Why Long-Term Care Insurance Falls Short for So Many, Nov. 22, 2023

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter



]]> 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 2000s were underpriced and placed financial strain on some insurers, whereas today's policies are accurately priced and stable.

Why Long-Term Care Insurance Falls Short for So Many, Nov. 22, 2023

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter



]]> Scott A. Olson Buzzsprout-18147534 Sat, 08 Nov 2025 00:00:00 -0800 362 full false What the New York Times Got Wrong About Long-Term Care Insurance (Part 7) 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 care insurer whose failure the New York Times used to claim the whole industry was collapsing. Scott explains that Penn Treaty’s downfall stemmed from mismanagement and that today’s leading long-term care insurers are financially strong.

Why Long-Term Care Insurance Falls Short for So Many, Nov. 22, 2023

Collapse of Long-Term Care Insurer Reflects Deep Industry Woes

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter




]]> 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 care insurer whose failure the New York Times used to claim the whole industry was collapsing. Scott explains that Penn Treaty’s downfall stemmed from mismanagement and that today’s leading long-term care insurers are financially strong.

Why Long-Term Care Insurance Falls Short for So Many, Nov. 22, 2023

Collapse of Long-Term Care Insurer Reflects Deep Industry Woes

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter




]]> Scott A. Olson Buzzsprout-18140957 Wed, 05 Nov 2025 13:00:00 -0800 358 full false How the New York Times Miscalculated Long-Term Care Costs (Part 6) 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 premiums, lead to inaccurate portrayals of costs and benefits. Scott clarifies historical pricing and explains why media mistakes matter for consumers making financial decisions.

New York Times: Why Long-Term Care Insurance Falls Short for So Many, Nov. 22, 2023

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter


]]> 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 premiums, lead to inaccurate portrayals of costs and benefits. Scott clarifies historical pricing and explains why media mistakes matter for consumers making financial decisions.

New York Times: Why Long-Term Care Insurance Falls Short for So Many, Nov. 22, 2023

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter


]]> Scott A. Olson Buzzsprout-18116290 Sat, 01 Nov 2025 12:00:00 -0700 267 full false What the New York Times Got Right About Long-Term Care (Part 5) 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 importance of inflation protection. With his decades of experience, he provides insights for anyone considering long-term care planning.

New York Times: Why Long-Term Care Insurance Falls Short for So Many, Nov. 22, 2023

NAIC Long-Term Care Insurance Experience Report

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> 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 importance of inflation protection. With his decades of experience, he provides insights for anyone considering long-term care planning.

New York Times: Why Long-Term Care Insurance Falls Short for So Many, Nov. 22, 2023

NAIC Long-Term Care Insurance Experience Report

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> Scott A. Olson Buzzsprout-18094866 Wed, 29 Oct 2025 00:00:00 -0700 393 full false What the New York Times Gets Half-Right about "Wildly Inadequate" LTCi (Part 4) 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 described policyholders as “savvy consumers” for keeping their inadequate policies. Scott reveals that the real issue isn’t policy quality, but how few Americans actually own long-term care coverage. 

The New York Times articles mentioned.
Why Long-Term Care Insurance Falls Short for So Many, Nov. 22, 2023

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> 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 described policyholders as “savvy consumers” for keeping their inadequate policies. Scott reveals that the real issue isn’t policy quality, but how few Americans actually own long-term care coverage. 

The New York Times articles mentioned.
Why Long-Term Care Insurance Falls Short for So Many, Nov. 22, 2023

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> Scott A. Olson Buzzsprout-18031051 Sat, 25 Oct 2025 00:00:00 -0700 380 full false Half-Truths the New York Times Shared about Long-Term Care Insurance (Part 3) 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 regulations, falling interest rates, and industry consolidation shaped the market. Scott also reveals why many people are denied coverage, not because underwriting has gotten stricter, but because they wait too long to apply. 

The New York Times articles mentioned.
Why Long-Term Care Insurance Falls Short for So Many, Nov. 22, 2023

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
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Twitter

]]> 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 regulations, falling interest rates, and industry consolidation shaped the market. Scott also reveals why many people are denied coverage, not because underwriting has gotten stricter, but because they wait too long to apply. 

The New York Times articles mentioned.
Why Long-Term Care Insurance Falls Short for So Many, Nov. 22, 2023

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> Scott A. Olson Buzzsprout-18031039 Wed, 22 Oct 2025 00:00:00 -0700 533 full false What the NY Times Gets Wrong About New LTCi Policies (Part 2) 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 how new pricing rules and rate stability regulations protect today's policyholders. And third, he introduces Long-Term Care Partnership Programs that make quality coverage affordable for the middle class.

The New York Times articles mentioned.
Why Long-Term Care Insurance Falls Short for So Many, Nov. 22, 2023

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> 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 how new pricing rules and rate stability regulations protect today's policyholders. And third, he introduces Long-Term Care Partnership Programs that make quality coverage affordable for the middle class.

The New York Times articles mentioned.
Why Long-Term Care Insurance Falls Short for So Many, Nov. 22, 2023

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> Scott A. Olson Buzzsprout-18021020 Sat, 18 Oct 2025 00:00:00 -0700 625 full false What the New York Times Gets Wrong About LTC Insurance (Part 1) 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 negative headlines, the industry remains strong and reliable. 

U.S. Department of Health and Human Services: National Long-Term Care Insurance Claims Decision Study

New York Times articles mentioned.
Why Long-Term Care Insurance Falls Short for So Many, Nov. 22, 2023

Long-Term Care Insurance Can Baffle, With Complex Policies and Costs,
Dec. 18, 2015

When a Safety Net Is Yanked Away, Nov. 12, 2010

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> 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 negative headlines, the industry remains strong and reliable. 

U.S. Department of Health and Human Services: National Long-Term Care Insurance Claims Decision Study

New York Times articles mentioned.
Why Long-Term Care Insurance Falls Short for So Many, Nov. 22, 2023

Long-Term Care Insurance Can Baffle, With Complex Policies and Costs,
Dec. 18, 2015

When a Safety Net Is Yanked Away, Nov. 12, 2010

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> Scott A. Olson Buzzsprout-18020948 Wed, 15 Oct 2025 22:00:00 -0700 385 full false Let's Talk Averages 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. Long-term care insurance, he concludes, exists precisely to solve this uncertainty and protect retirement portfolios from the unpredictable costs of care.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> 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. Long-term care insurance, he concludes, exists precisely to solve this uncertainty and protect retirement portfolios from the unpredictable costs of care.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> Scott A. Olson Buzzsprout-17962598 Fri, 10 Oct 2025 21:00:00 -0700 371 full false One of the Best Ways to Self-Insure for Long-Term Care 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 assets to provide tax-efficient, flexible coverage that can multiply the value of every dollar set aside for care.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> 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 assets to provide tax-efficient, flexible coverage that can multiply the value of every dollar set aside for care.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> Scott A. Olson Buzzsprout-17962587 Tue, 07 Oct 2025 21:00:00 -0700 393 full false Practical Guidance for Self-Insuring Your Long-Term Care 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 immediate support, reduces family stress, and preserves relationships when caregiving becomes a reality.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> 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 immediate support, reduces family stress, and preserves relationships when caregiving becomes a reality.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> Scott A. Olson Buzzsprout-17923354 Fri, 03 Oct 2025 21:00:00 -0700 360 full false When is the Best Time to Buy Long-Term Care Insurance? 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 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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> 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 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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> Scott A. Olson Buzzsprout-17923322 Tue, 30 Sep 2025 21:00:00 -0700 455 full false Roth IRAs: Third Worst Way to Pay for Long-Term Care 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 care undermines their most significant advantages. Instead, Scott explains that traditional IRAs and 401(k)s are more tax-efficient for covering care costs since withdrawals are taxable but can be offset by medical expense deductions.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> 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 care undermines their most significant advantages. Instead, Scott explains that traditional IRAs and 401(k)s are more tax-efficient for covering care costs since withdrawals are taxable but can be offset by medical expense deductions.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> Scott A. Olson Buzzsprout-17884054 Fri, 26 Sep 2025 21:00:00 -0700 232 full false HSAs: Second Worst Way to Pay for Long-Term Care 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 long-term care funding solution.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> 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 long-term care funding solution.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> Scott A. Olson Buzzsprout-17884047 Tue, 23 Sep 2025 21:00:00 -0700 619 full false The Worst Way to Self-Insure for Long-Term Care 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 care when the time comes. Scott highlights why this lack of planning creates unnecessary stress, leaving loved ones to shoulder emotional, financial, and physical burdens without guidance.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> 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 care when the time comes. Scott highlights why this lack of planning creates unnecessary stress, leaving loved ones to shoulder emotional, financial, and physical burdens without guidance.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> Scott A. Olson Buzzsprout-17844780 Tue, 16 Sep 2025 21:00:00 -0700 275 full false Easily Compare Hybrid and Traditional Long-Term Care Policies 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 the death benefit and cash value when making comparisons. Finally, he discusses five situations where a hybrid can still be beneficial, such as specific health histories, shorter payment schedules, international coverage, unlimited benefits, and the ability to pay family caregivers.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> 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 the death benefit and cash value when making comparisons. Finally, he discusses five situations where a hybrid can still be beneficial, such as specific health histories, shorter payment schedules, international coverage, unlimited benefits, and the ability to pay family caregivers.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> Scott A. Olson Buzzsprout-17844404 Sun, 14 Sep 2025 22:00:00 -0700 522 full false Lessons from My Caregiving Experience Lessons from My Caregiving Experience In this episode, Scott A. Olson reflects on his second experience as a caregiver when his mother-in-law suddenly needed long-term care. He contrasts this experience with his first, far more stressful caregiving journey, and explains how planning ahead reduced stress for the entire family. 

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> In this episode, Scott A. Olson reflects on his second experience as a caregiver when his mother-in-law suddenly needed long-term care. He contrasts this experience with his first, far more stressful caregiving journey, and explains how planning ahead reduced stress for the entire family. 

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> Scott A. Olson Buzzsprout-17801293 Sat, 06 Sep 2025 23:00:00 -0700 970 full false The Easy Way to File A Long Term Care Insurance (LTCi) Claim The Easy Way to File A Long Term Care Insurance (LTCi) Claim Filing a long-term care insurance (LTCi) claim can be complex, especially if you've never done it before. In this video, Scott A. Olson, co-founder of LTCShop.com, breaks down the common roadblocks to filing an LTCi claim. Discover how you can simplify the claims process and focus on what truly matters: your loved ones.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> Filing a long-term care insurance (LTCi) claim can be complex, especially if you've never done it before. In this video, Scott A. Olson, co-founder of LTCShop.com, breaks down the common roadblocks to filing an LTCi claim. Discover how you can simplify the claims process and focus on what truly matters: your loved ones.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
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Twitter

]]> Scott A. Olson Buzzsprout-17766596 Fri, 05 Sep 2025 21:00:00 -0700 415 full false Key Differences Between Traditional LTC and Hybrid Policies Key Differences Between Traditional LTC and Hybrid Policies On this episode, Scott A. Olson tackles the question of whether to go with traditional long-term care insurance or a hybrid life insurance policy with a long-term care rider. He shares the story of a woman in her mid-50s who first applied for a hybrid policy because it offered a death benefit on top of long-term care coverage. After weighing both options, she realized the traditional policy would give her far more protection against rising care costs and ultimately chose it to secure her future care needs.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> On this episode, Scott A. Olson tackles the question of whether to go with traditional long-term care insurance or a hybrid life insurance policy with a long-term care rider. He shares the story of a woman in her mid-50s who first applied for a hybrid policy because it offered a death benefit on top of long-term care coverage. After weighing both options, she realized the traditional policy would give her far more protection against rising care costs and ultimately chose it to secure her future care needs.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> Scott A. Olson Buzzsprout-17806725 Wed, 03 Sep 2025 03:00:00 -0700 454 full false Let's Talk About Claims Let's Talk About Claims Many people want to purchase long-term care insurance after witnessing how much it helped a loved one. In this video, Scott A. Olson, co-founder of LTCShop.com, explains the significant impact of these policies, with over $224 billion in claims paid to more than 1.7 million policyholders. He also demystifies the rules around claim denials, highlighting the incontestability clause that protects policyholders. If you're considering long-term care insurance, this is essential information you need to know.

Long-Term Care Insurance Experience Reports for 2023

Long-Term Care Insurance Model Act

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> Many people want to purchase long-term care insurance after witnessing how much it helped a loved one. In this video, Scott A. Olson, co-founder of LTCShop.com, explains the significant impact of these policies, with over $224 billion in claims paid to more than 1.7 million policyholders. He also demystifies the rules around claim denials, highlighting the incontestability clause that protects policyholders. If you're considering long-term care insurance, this is essential information you need to know.

Long-Term Care Insurance Experience Reports for 2023

Long-Term Care Insurance Model Act

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> Scott A. Olson Buzzsprout-17766586 Tue, 02 Sep 2025 21:00:00 -0700 318 full false How does Private LTC Insurance Compare to the WA Cares Fund? How does Private LTC Insurance Compare to the WA Cares Fund? The WA Cares Fund is the nation’s first government-run long-term care insurance program, but how does it really compare to private insurance? In this episode, Scott A. Olson, CLTC, breaks down nine key reasons private long-term care insurance outshines the WA Cares Fund.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> The WA Cares Fund is the nation’s first government-run long-term care insurance program, but how does it really compare to private insurance? In this episode, Scott A. Olson, CLTC, breaks down nine key reasons private long-term care insurance outshines the WA Cares Fund.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> Scott A. Olson Buzzsprout-17728101 Tue, 26 Aug 2025 21:00:00 -0700 689 full false Public Long-Term Care Insurance? What is the WA Cares Funds? Public Long-Term Care Insurance? What is the WA Cares Funds? In this episode, Scott A. Olson explains the WA Cares Fund, the first government-run long-term care insurance program in the U.S. He highlights what Washington State did right and wrong with the program's design and explores key similarities between WA Cares and private LTC insurance. He also outlines six distinct advantages the WA Cares Fund offers over private LTC policies.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> In this episode, Scott A. Olson explains the WA Cares Fund, the first government-run long-term care insurance program in the U.S. He highlights what Washington State did right and wrong with the program's design and explores key similarities between WA Cares and private LTC insurance. He also outlines six distinct advantages the WA Cares Fund offers over private LTC policies.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> Scott A. Olson Buzzsprout-17722394 Sat, 23 Aug 2025 21:00:00 -0700 667 full false The Best Annuities to Buy for Long-Term Care The Best Annuities to Buy for Long-Term Care In this episode, Scott A. Olson, CLTC, explains how certain annuities can multiply your premium deposit, providing significant leverage for long-term care. He details how these products attract clients who need to prioritize easy underwriting, catastrophic coverage, and a built-in death benefit.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> In this episode, Scott A. Olson, CLTC, explains how certain annuities can multiply your premium deposit, providing significant leverage for long-term care. He details how these products attract clients who need to prioritize easy underwriting, catastrophic coverage, and a built-in death benefit.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> Scott A. Olson Buzzsprout-17683957 Tue, 19 Aug 2025 21:00:00 -0700 317 full false The Worst Annuities Used to Plan for Long-Term Care The Worst Annuities Used to Plan for Long-Term Care Scott A. Olson breaks down the worst types of annuities marketed for long-term care planning. He explains why most annuity-based strategies fall short and how some approaches merely amount to self-insuring. If you're considering annuities as part of your LTC plan, this is a must-listen.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> Scott A. Olson breaks down the worst types of annuities marketed for long-term care planning. He explains why most annuity-based strategies fall short and how some approaches merely amount to self-insuring. If you're considering annuities as part of your LTC plan, this is a must-listen.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> Scott A. Olson Buzzsprout-17680455 Sat, 16 Aug 2025 12:00:00 -0700 658 full false Rate Stability FAQs Rate Stability FAQs In this episode, Scott discusses the history, purpose, and effectiveness of the NAIC's Rate Stability Regulation for long-term care insurance. He explains how to check if your policy is covered and notes that these regulations aim to reduce future premium increases. As a result, newer policies usually experience smaller or no rate increases compared to older ones.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter


]]> In this episode, Scott discusses the history, purpose, and effectiveness of the NAIC's Rate Stability Regulation for long-term care insurance. He explains how to check if your policy is covered and notes that these regulations aim to reduce future premium increases. As a result, newer policies usually experience smaller or no rate increases compared to older ones.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter


]]> Scott A. Olson Buzzsprout-17648486 Tue, 12 Aug 2025 21:00:00 -0700 344 full false Rate Increases! Rate Increases! Rate Increases! Rate Increases! Rate Increases! Rate Increases! In this episode, Scott A. Olson explains the truth about long-term care insurance rate increases and why many older policies saw steep hikes. Today’s policies, while more expensive upfront, are subject to stricter regulations that reduce the likelihood of significant future hikes. As a result, while minor adjustments are still possible, new buyers are far less likely to face the dramatic increases of the past.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> In this episode, Scott A. Olson explains the truth about long-term care insurance rate increases and why many older policies saw steep hikes. Today’s policies, while more expensive upfront, are subject to stricter regulations that reduce the likelihood of significant future hikes. As a result, while minor adjustments are still possible, new buyers are far less likely to face the dramatic increases of the past.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> Scott A. Olson Buzzsprout-17646396 Sun, 10 Aug 2025 00:00:00 -0700 563 full false How To Compare Hybrids (Part 2) How To Compare Hybrids (Part 2) In this episode, Scott A. Olson shares a true story that highlights the risks of relying on uninformed investment advisors when shopping for hybrid long-term care insurance. He explains how a poorly chosen policy can result in limited benefits or even no benefits at all.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> In this episode, Scott A. Olson shares a true story that highlights the risks of relying on uninformed investment advisors when shopping for hybrid long-term care insurance. He explains how a poorly chosen policy can result in limited benefits or even no benefits at all.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> Scott A. Olson Buzzsprout-17605593 Tue, 05 Aug 2025 21:00:00 -0700 391 full false How To Compare Hybrids (Part 1) How To Compare Hybrids (Part 1) In this episode, Scott A. Olson breaks down the five critical elements to compare when evaluating hybrid life/long-term care insurance policies. From death benefits and cash value to LTC coverage, premium schedules, and no-lapse guarantees, Scott simplifies the jargon so you can make an informed decision about which hybrid policy might be right for you.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> In this episode, Scott A. Olson breaks down the five critical elements to compare when evaluating hybrid life/long-term care insurance policies. From death benefits and cash value to LTC coverage, premium schedules, and no-lapse guarantees, Scott simplifies the jargon so you can make an informed decision about which hybrid policy might be right for you.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter

]]> Scott A. Olson Buzzsprout-17603946 Sat, 02 Aug 2025 08:00:00 -0700 337 full false The Easiest Way to Get a Real Long-Term Care Quote The Easiest Way to Get a Real Long-Term Care Quote Discover how to get a personalized long-term care insurance quote without the hassle. In just two minutes, Scott A. Olson walks you through LTCShop.com's most popular feature: the Policy Finder. No phone calls, no sales pitches, just a simple, anonymous tool to help you find the right coverage at the right price.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter 

]]> Discover how to get a personalized long-term care insurance quote without the hassle. In just two minutes, Scott A. Olson walks you through LTCShop.com's most popular feature: the Policy Finder. No phone calls, no sales pitches, just a simple, anonymous tool to help you find the right coverage at the right price.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter 

]]> Scott A. Olson Buzzsprout-17573600 Tue, 29 Jul 2025 21:00:00 -0700 207 full false Should I Buy a Hybrid Policy? Should I Buy a Hybrid Policy? In this episode, Scott A. Olson tackles the common question of whether to buy a hybrid or traditional long-term care insurance policy. He explains five specific scenarios where a hybrid policy might be the better choice. He concludes by emphasizing the importance of comparing key features in a hybrid policy.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter 

]]> In this episode, Scott A. Olson tackles the common question of whether to buy a hybrid or traditional long-term care insurance policy. He explains five specific scenarios where a hybrid policy might be the better choice. He concludes by emphasizing the importance of comparing key features in a hybrid policy.

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: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter 

]]> Scott A. Olson Buzzsprout-17567924 Sat, 26 Jul 2025 14:00:00 -0700 365 full false How to Compare Long-Term Care Policies? How to Compare Long-Term Care Policies? In this episode, Scott A. Olson, co-founder of LTCShop.com, explains how to compare long-term care insurance policies with confidence. He outlines four essential questions you must ask about any policy: daily home care benefit, daily facility care benefit, lifetime maximum benefit, and whether benefits grow with inflation.


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 LTCShop.com
Interested in a personalized quote? Check out my Policy Finder

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

]]> In this episode, Scott A. Olson, co-founder of LTCShop.com, explains how to compare long-term care insurance policies with confidence. He outlines four essential questions you must ask about any policy: daily home care benefit, daily facility care benefit, lifetime maximum benefit, and whether benefits grow with inflation.


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 LTCShop.com
Interested in a personalized quote? Check out my Policy Finder

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

]]> Scott A. Olson Buzzsprout-17536745 Tue, 22 Jul 2025 21:00:00 -0700 397 full false How Much Does Long-Term Care Insurance Cost? How Much Does Long-Term Care Insurance Cost? In this episode of LTCi Now, Scott A. Olson breaks down the question, “How much does long-term care insurance cost?” and explains the key factors that determine your premium, including age, health, gender, and more, to help you make an informed decision about protecting your future.

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 https://www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: Scott@LTCShop.com 
Phone: 877-727-9582 
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

]]> In this episode of LTCi Now, Scott A. Olson breaks down the question, “How much does long-term care insurance cost?” and explains the key factors that determine your premium, including age, health, gender, and more, to help you make an informed decision about protecting your future.

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 https://www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: Scott@LTCShop.com 
Phone: 877-727-9582 
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

]]> Scott A. Olson Buzzsprout-17531387 Sat, 19 Jul 2025 18:00:00 -0700 322 full false The 28 Hats of a Caregiver: A Tribute to My Wife The 28 Hats of a Caregiver: A Tribute to My Wife Even with excellent long-term care insurance, caregiving is still a heavy lift. In this video, Scott honors his wife by sharing the 28 roles she filled while caring for her mother. From managing finances and legal affairs to attending every medical appointment, she did it all while working full-time and raising a family. None of it would have been possible without the vital support made affordable by a strong, long-term care insurance policy.

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott Olson
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC

]]> Even with excellent long-term care insurance, caregiving is still a heavy lift. In this video, Scott honors his wife by sharing the 28 roles she filled while caring for her mother. From managing finances and legal affairs to attending every medical appointment, she did it all while working full-time and raising a family. None of it would have been possible without the vital support made affordable by a strong, long-term care insurance policy.

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott Olson
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC

]]> Scott A. Olson Buzzsprout-17415146 Tue, 15 Jul 2025 21:00:00 -0700 357 full false Long-Term Care Expert Reviews "Caregiving" - Part 2 Long-Term Care Expert Reviews "Caregiving" - Part 2 In this episode, Scott shares his thoughts on the new PBS documentary Caregiving, produced by Bradley Cooper. Drawing on his own experiences as a caregiver and LTCi expert, he breaks down the film and what he wishes it had covered.

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott Olson
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC

]]> In this episode, Scott shares his thoughts on the new PBS documentary Caregiving, produced by Bradley Cooper. Drawing on his own experiences as a caregiver and LTCi expert, he breaks down the film and what he wishes it had covered.

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott Olson
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC

]]> Scott A. Olson Buzzsprout-17492869 Sat, 12 Jul 2025 00:00:00 -0700 283 full false The Easiest Way to Shop for Long-Term Care Insurance The Easiest Way to Shop for Long-Term Care Insurance In this episode, Scott A. Olson explains LTCShop.com’s simple four-step process for shopping for 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 https://www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: Scott@LTCShop.com 
Phone: 877-727-9582 
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC


]]> In this episode, Scott A. Olson explains LTCShop.com’s simple four-step process for shopping for 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 https://www.ltcshop.com
Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: Scott@LTCShop.com 
Phone: 877-727-9582 
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC


]]> Scott A. Olson Buzzsprout-17494831 Tue, 08 Jul 2025 21:00:00 -0700 294 full false The 5 Types of Stress Caregivers Face Everyday The 5 Types of Stress Caregivers Face Everyday In this episode, Scott shares from personal experience the five types of stress every caregiver faces daily: physical, emotional, mental, financial, and family stress. Whether you’ve been a caregiver or may be one in the future, this honest account will prepare you for the reality behind the role. Discover how planning ahead, particularly with long-term care insurance, can alleviate the burden.

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott Olson
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC

]]> In this episode, Scott shares from personal experience the five types of stress every caregiver faces daily: physical, emotional, mental, financial, and family stress. Whether you’ve been a caregiver or may be one in the future, this honest account will prepare you for the reality behind the role. Discover how planning ahead, particularly with long-term care insurance, can alleviate the burden.

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott Olson
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC

]]> Scott A. Olson Buzzsprout-17415659 Tue, 08 Jul 2025 21:00:00 -0700 632 full false Long-Term Care Expert Reviews "Caregiving" - Part 1 Long-Term Care Expert Reviews "Caregiving" - Part 1 In this episode, Scott shares his thoughts on the new PBS documentary Caregiving, produced by Bradley Cooper. Drawing on his own experiences as a caregiver and LTCi expert, he breaks down what the film got right and what it missed

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott Olson
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC

]]> In this episode, Scott shares his thoughts on the new PBS documentary Caregiving, produced by Bradley Cooper. Drawing on his own experiences as a caregiver and LTCi expert, he breaks down what the film got right and what it missed

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott Olson
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC

]]> Scott A. Olson Buzzsprout-17454309 Sat, 05 Jul 2025 18:00:00 -0700 371 full false How Recovery Policies Can Help Cover Long-Term Care How Recovery Policies Can Help Cover Long-Term Care In this episode, Scott suggests “recovery policies” to cover long-term care. Scott details the fine print factors, benefit triggers, home care coverage, and inflation protection that determine whether a recovery policy is worth considering. He also highlights how some recovery policies may offer unique advantages over traditional LTC insurance and even recommends layering two policies for comprehensive coverage. 

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott Olson
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC

]]> In this episode, Scott suggests “recovery policies” to cover long-term care. Scott details the fine print factors, benefit triggers, home care coverage, and inflation protection that determine whether a recovery policy is worth considering. He also highlights how some recovery policies may offer unique advantages over traditional LTC insurance and even recommends layering two policies for comprehensive coverage. 

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott Olson
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC

]]> Scott A. Olson Buzzsprout-17405620 Thu, 26 Jun 2025 13:00:00 -0700 678 full false The RIGHT Way to Buy Long-Term Care Insurance The RIGHT Way to Buy Long-Term Care Insurance For years, Scott's approach to selling long-term care insurance was fundamentally flawed. But over two decades ago, everything changed for him because of one client: Mrs. Robinson.

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott Olson
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC

]]> For years, Scott's approach to selling long-term care insurance was fundamentally flawed. But over two decades ago, everything changed for him because of one client: Mrs. Robinson.

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott Olson
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC

]]> Scott A. Olson Buzzsprout-17277097 Tue, 03 Jun 2025 15:00:00 -0700 250 17 full false Easy Approval Long-Term Care Insurance (EZ-LTC) Easy Approval Long-Term Care Insurance (EZ-LTC) In this video, Scott shares his #1 recommendation for anyone who has been declined for long-term care insurance: "Easy Approval Long-Term Care Insurance," which he calls EZ-LTC, for short.

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott Olson
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC

]]> In this video, Scott shares his #1 recommendation for anyone who has been declined for long-term care insurance: "Easy Approval Long-Term Care Insurance," which he calls EZ-LTC, for short.

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott Olson
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC

]]> Scott A. Olson Buzzsprout-17277043 Tue, 03 Jun 2025 15:00:00 -0700 278 17 full false Have you been declined for long-term care insurance? Have you been declined for long-term care insurance? Have you been declined for long-term care insurance? In this video, Scott shares what to do if you’ve been declined for long-term care insurance and guides you through the next steps. Getting denied doesn’t mean you’re out of options. There are still innovative, practical strategies you can use to plan for your future and protect yourself and your loved ones.

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott Olson
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC

]]> Have you been declined for long-term care insurance? In this video, Scott shares what to do if you’ve been declined for long-term care insurance and guides you through the next steps. Getting denied doesn’t mean you’re out of options. There are still innovative, practical strategies you can use to plan for your future and protect yourself and your loved ones.

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott Olson
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC

]]> Scott A. Olson Buzzsprout-17276891 Tue, 03 Jun 2025 14:00:00 -0700 144 16 full false Alternatives to LTCi - Should I use a Chronic Illness Rider? Part 3 Alternatives to LTCi - Should I use a Chronic Illness Rider? Part 3 What alternatives to LTCi are out there? How do I know which one is right for me?

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott Olson
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC

]]> What alternatives to LTCi are out there? How do I know which one is right for me?

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott Olson
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC

]]> scott@ltcshop.com (Scott A. Olson) 7faf17a9-b3b4-4e13-b7e8-8c0e394db376 Tue, 28 Jul 2020 00:00:01 -0700 794 retirement, assets, wealth, insurance, asset protection, financial planning, long-term care, investing, investments 15 full false Alternatives to LTCi - Should I use a Chronic Illness Rider? Part 2 Alternatives to LTCi - Should I use a Chronic Illness Rider? Part 2 What alternatives to LTCi are out there? How do I know which one is right for me?

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott Olson
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC

]]> What alternatives to LTCi are out there? How do I know which one is right for me?

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott Olson
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC

]]> scott@ltcshop.com (Scott A. Olson) e4ced64a-bf25-499a-ab0f-e3598734726a Thu, 23 Jul 2020 00:00:02 -0700 694 retirement, assets, wealth, insurance, asset protection, financial planning, long-term care, investing, investments 14 full false Alternatives to LTCi - Should I use Chronic Illness Rider? Part 1 Alternatives to LTCi - Should I use Chronic Illness Rider? Part 1 What alternatives to LTCi are out there? How do I know which one is right for me?

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott Olson
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC

]]> What alternatives to LTCi are out there? How do I know which one is right for me?

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott Olson
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC

]]> scott@ltcshop.com (LTCShop.com) 954b4e3f-db4f-42ba-bbcb-a9888ecb01fd Tue, 14 Jul 2020 09:03:57 -0700 778 retirement, assets, wealth, insurance, asset protection, financial planning, long-term care, investing, investments 13 full false Alternatives to LTCi - Should I use a QLAC? Alternatives to LTCi - Should I use a QLAC? Today, Scott answers the question: What is a Qualified Longevity Annuity Contract (QLAC)? Should you use it for your long-term care?

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC

]]> Today, Scott answers the question: What is a Qualified Longevity Annuity Contract (QLAC)? Should you use it for your long-term care?

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC

]]> scott@ltcshop.com (Scott A. Olson) d4b973d5-fe0a-4f6c-ba7b-635373f46123 Thu, 09 Jul 2020 00:00:29 -0700 698 retirement, assets, wealth, insurance, asset protection, financial planning, long-term care, investing, investments 12 full false Alternatives to LTCi - Should I use a Roth IRA? Alternatives to LTCi - Should I use a Roth IRA? Today, Scott answers the question: Should you use a Roth IRA for your long-term care?

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC



]]> Today, Scott answers the question: Should you use a Roth IRA for your long-term care?

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC



]]> scott@ltcshop.com (Scott A. Olson) e0f57135-c8d1-4d5b-8adb-83a336dda64f Tue, 07 Jul 2020 00:00:02 -0700 698 retirement, assets, wealth, insurance, asset protection, financial planning, long-term care, investing, investments 11 full false Alternatives to LTCi - Can I use a Health Savings Account (HSA)? Part 2 Alternatives to LTCi - Can I use a Health Savings Account (HSA)? Part 2 Today, Scott answers the question: Can I use a Health Savings Account (HSA)? Should I use it for my long-term care?

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC



]]> Today, Scott answers the question: Can I use a Health Savings Account (HSA)? Should I use it for my long-term care?

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC



]]> scott@ltcshop.com (Scott A. Olson) 1351051c-8c84-489f-a9c0-aa64671ef015 Thu, 02 Jul 2020 00:00:27 -0700 836 retirement, assets, wealth, insurance, asset protection, financial planning, long-term care, investing, investments 10 full false Alternatives to LTCi - Can I use a Health Savings Account (HSA)? Part 1 Alternatives to LTCi - Can I use a Health Savings Account (HSA)? Part 1 Today, Scott answers the question: Can I use a Health Savings Account (HSA)? Should I use it for my long-term care?

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC

]]> Today, Scott answers the question: Can I use a Health Savings Account (HSA)? Should I use it for my long-term care?

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC

]]> scott@ltcshop.com (Scott A. Olson) 0b53f46e-2aaf-4f50-aa7f-78f597821c7d Wed, 01 Jul 2020 06:15:26 -0700 648 retirement, assets, wealth, insurance, asset protection, financial planning, long-term care, investing, investments 9 full false 7 K.E.Y. Questions: Summary 7 K.E.Y. Questions: Summary Today, Scott reviews the 7 K.E.Y. questions you need to ask before buying long-term care insurance in this final summary.

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC

]]> Today, Scott reviews the 7 K.E.Y. questions you need to ask before buying long-term care insurance in this final summary.

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC

]]> scott@ltcshop.com (Scott A. Olson) 9f634391-5462-40d0-bf30-30f590476df5 Thu, 25 Jun 2020 00:00:13 -0700 693 retirement, assets, wealth, insurance, asset protection, financial planning, long-term care, investing, investments 8 full false 7 K.E.Y. Questions: Will Premiums Increase with the Benefits? 7 K.E.Y. Questions: Will Premiums Increase with the Benefits? Today, Scott reviews the 7 K.E.Y. questions you need to ask before buying long-term care insurance. Question #7: Will premiums increase with the benefits?

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC

]]> Today, Scott reviews the 7 K.E.Y. questions you need to ask before buying long-term care insurance. Question #7: Will premiums increase with the benefits?

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC

]]> scott@ltcshop.com (Scott A. Olson) ba39f537-b272-46c6-8d89-96fd756de6b1 Tue, 23 Jun 2020 00:00:02 -0700 699 retirement, assets, wealth, insurance, asset protection, financial planning, long-term care, investing, investments 7 full false 7 K.E.Y. Questions: Will the policy stay in force to age 100? 7 K.E.Y. Questions: Will the policy stay in force to age 100? Today, Scott reviews the 7 K.E.Y. questions you need to ask before buying long-term care insurance. Question #6: Will the policy stay in force to age 100?

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC

]]> Today, Scott reviews the 7 K.E.Y. questions you need to ask before buying long-term care insurance. Question #6: Will the policy stay in force to age 100?

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC

]]> scott@ltcshop.com (Scott A. Olson) 0ac76305-cb4c-4ef9-84e6-78d6e93af93a Thu, 18 Jun 2020 00:00:08 -0700 556 retirement, assets, wealth, insurance, asset protection, financial planning, long-term care, investing, investments 6 full false 7 K.E.Y. Questions: Does the lifetime Maximum Grow? 7 K.E.Y. Questions: Does the lifetime Maximum Grow? Today, Scott reviews the 7 K.E.Y. questions you need to ask before buying long-term care insurance. Question #5: Does the lifetime maximum grow?

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC

]]> Today, Scott reviews the 7 K.E.Y. questions you need to ask before buying long-term care insurance. Question #5: Does the lifetime maximum grow?

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC

]]> scott@ltcshop.com (Scott A. Olson) b6d43bb6-44b8-4423-b534-61237bc2f677 Wed, 17 Jun 2020 12:40:28 -0700 569 retirement, assets, wealth, insurance, asset protection, financial planning, long-term care, investing, investments 5 full false 7 K.E.Y. Questions: What will the Monthly Benefit Be? 7 K.E.Y. Questions: What will the Monthly Benefit Be? Today, Scott reviews the 7 K.E.Y. questions you need to ask before buying long-term care insurance. Question #4: What will the Monthly Benefit Be?

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC

]]> Today, Scott reviews the 7 K.E.Y. questions you need to ask before buying long-term care insurance. Question #4: What will the Monthly Benefit Be?

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC

]]> scott@ltcshop.com (LTCShop.com) 4a24c734-f2ec-4629-959b-9671243ed9a1 Thu, 11 Jun 2020 00:00:01 -0700 568 4 full true 7 K.E.Y. Questions: What's the Monthly Benefit? 7 K.E.Y. Questions: What's the Monthly Benefit? Today, Scott reviews the 7 K.E.Y. questions you need to ask before buying long-term care insurance. Question #3: What's the monthly benefit?

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC

]]> Today, Scott reviews the 7 K.E.Y. questions you need to ask before buying long-term care insurance. Question #3: What's the monthly benefit?

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC

]]> scott@ltcshop.com (LTCShop.com) d90b6f2f-f42b-45ac-a963-d920255c061f Tue, 09 Jun 2020 00:00:20 -0700 493 retirement, assets, wealth, insurance, asset protection, financial planning, long-term care, investing, investments 3 full true 7 K.E.Y. Questions: Are you LTC Partnership Certified? 7 K.E.Y. Questions: Are you LTC Partnership Certified? Today, Scott reviews the 7 K.E.Y. questions you need to ask before buying long-term care insurance. Question #2: Are you LTC partnership certified?

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC

]]> Today, Scott reviews the 7 K.E.Y. questions you need to ask before buying long-term care insurance. Question #2: Are you LTC partnership certified?

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC

]]> scott@ltcshop.com (LTCShop.com) 6b5db3ad-2a31-4680-bf01-9672084ee16e Thu, 04 Jun 2020 00:00:08 -0700 552 retirement, assets, wealth, insurance, asset protection, financial planning, long-term care, investing, investments 2 full true 7 K.E.Y. Questions: Which Type of Policy? 7 K.E.Y. Questions: Which Type of Policy? Today, Scott reviews the 7 K.E.Y. questions you need to ask before buying long-term care insurance. Question #1: Which type of policy? 

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC

]]> Today, Scott reviews the 7 K.E.Y. questions you need to ask before buying long-term care insurance. Question #1: Which type of policy? 

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 https://www.ltcshop.com

Interested in a personalized quote? Check out my Policy Finder: https://www.ltcshop.com/long-term-care-insurance/policy-finder/

Buy Scott's Book: https://a.co/d/87570bu

Contact Scott
Email: Scott@LTCShop.com
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook: https://www.facebook.com/LTCShop
Twitter: https://twitter.com/ltcshop

Copyright 2025 Scott A. Olson, CLTC

]]> scott@ltcshop.com (LTCShop.com) 4a778d5c-cb6b-47e5-a913-887cc2031aaf Tue, 02 Jun 2020 00:00:09 -0700 475 1 full true