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: [email protected]
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

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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: [email protected]
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
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: [email protected]
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: [email protected]
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: [email protected]
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: [email protected]
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: [email protected]
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: [email protected]
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: [email protected]
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: [email protected]
Phone: 877-727-9582
LinkedIn: https://www.linkedin.com/in/scottaolsoncltc/

Follow LTCShop
Facebook
Twitter