In this final episode of our miniseries, we reveal the last two crucial questions you must ask before purchasing long-term care insurance. Scott exposes dangerous premium traps and contrasts the real costs of different inflation protection riders. He explains why you must demand to see the "guaranteed values" page of a contract. Ready to take the guesswork out of your future? Head over to LTCShop.com to use our Policy Finder and get your customized, anonymous quote today!

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 the three critical questions you must ask about any long-term care policy, including how to verify your monthly maximum benefits and safeguard your total pool of money against compounding inflation. Scott exposes the massive difference between contractually guaranteed values and risky, non-guaranteed projections, so you can ensure your plan actually pays the bills when you need it most.

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.

Are you confused by the jargon and sales pitches surrounding long-term care insurance? Join expert Scott A. Olson as he breaks down the first two of seven critical questions you must ask before purchasing a policy to ensure you aren't being steered toward the wrong product. Learn how to identify the right type of coverage and verify if your advisor is truly qualified to help you protect your financial future.

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 expert Scott A. Olson breaks down the proposed New York Long-Term Care Trust Act and the potential impact it could have on your paycheck. Modeled after a similar program in Washington State, this legislation would implement a mandatory payroll deduction for W-2 and self-employed workers to fund a state-run long-term care program. Olson warns viewers about a "hidden trap" in the current bill: a retroactive opt-out deadline that requires residents to own private insurance before the bill is even officially signed into law.

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.

Welcome to the 100th episode celebration of LTCi Now! In this special episode, Scott A. Olson wraps this series up by pulling back the curtain on long-term care planning and content creation. He also reveals the surprising lack of education among financial planners regarding long-term care insurance. Scott also explains why he uses real-life case studies to bust common industry myths and shares his top episode recommendations for financial professionals.

Your support made it possible for us to get to 100 episodes! We couldn't have done this without you. Thank you. Here is to 100 more!

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.

Welcome to the 100th episode celebration of LTCi Now! In this special Q&A series, Scott A. Olson dives into the common questions you ask about long-term care insurance and this show. In this episode, he dives into his personal journey specializing in long-term care insurance and explains what the CLTC designation means. He also breaks down why common misconceptions about LTCi from financial advisors can cause you to lose thousands of dollars in retirement.

Your support made it possible for us to get to 100 episodes! We couldn't have done this without you. Thank you. Here is to 100 more!

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.

Welcome to the 100th episode celebration of LTCi Now! In this special Q&A series, Scott A. Olson dives into the common questions you ask about long-term care insurance and this show. He shares the story behind the founding of LTCShop.com, the realities of policy rate increases, and reveals the exact insurance coverage he and his wife have. 

Your support made it possible for us to get to 100 episodes! We couldn't have done this without you. Thank you. Here is to 100 more!

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 expert Scott A. Olson highlights how inflation acts as a silent killer for retirement plans. This is particularly true when choosing how to fund your long-term care. He shares a real-world example of a client who nearly chose a life insurance policy with a chronic illness rider with flat benefits over a traditional policy whose benefits would double by her 80s due to a 3% compound inflation rider. Ultimately, he outlines five non-negotiable features to look for in a hybrid policy, including a 7702B rider and robust compound inflation protection.

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 expert Scott A. Olson exposes another hidden trap of using universal life insurance with chronic illness riders to fund your future care. Sharing a personal story of a policy he bought and quickly canceled, Scott reveals how the fine print allows insurance companies to slash your expected benefits based on life expectancy. Learn how these policies compare to traditional long-term care insurance, which guarantees your benefits from day one.

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.

Don't let an "A-to-Z" generalist financial advisor sell you a policy that gambles with your retirement safety net. In this episode, Scott A. Olson breaks down why a chronic illness rider is, at best, a mediocre substitute for true long-term care insurance. Using a real-life story, he exposes how these life insurance riders often lock you into high premiums but could pay absolutely zero for your care if their specific conditions aren't met. Real long-term care insurance is regulated with specific triggers that allow you to access care when and where you need it. 

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.