This week, Mike in New Jersey asked how the elimination period works.  Is it cumulative? Do I have to pay it every time I access LTC benefits?  Diane affirms that many people are confused by the elimination period in a long term care insurance plan, and she shares how it is different than other deductibles used in other types of insurance.   We'll send Mike a gift to thank him for bringing important questions and answers to our listeners.  Ask your question  at so we can thank you, too.

This week, Liann in Tampa, Florida, askes why she has to wait to apply for LTC insurance because her doctor recently adjusted the dosage of a medication she takes.  Diane shares why stability is important to the insurance companies and why waiting a few months can help us obtain a favorable decision, ie: approval for coverage.

This week, Diane talks with Dr. Tommy Lane with Lane Family Wellness & Chiropractic.  He shares that pain is the motivator for people to come see him.  We wait until life is disrupted and then want a quick fix.  Wellness care involves maintenance to prevent acute pain from becoming chronic.  Planning for future LTC needs is similar in that we naturally want to wait to spend money on something we hope never happens.  In both cases, waiting creates bigger problems and  bigger expenses.

This week, Trish asks how much is enough insurance when LTC is needed.  Diane shares some planning ideas she works through with her clients to determine just how much is enough.  For asking, we'll send Trish a thank you gift.  Ask your question at using the Contact Us tab.

This week, Mary asks how COVID affects her ability to buy an LTC plan and  how the industry may be changing.  As a thank you for asking, we are sending Mary a thank you gift.  Ask your question at so we can thank you as well.

This week, Diane shares her process to understand her clients and  help them navigate through a somewhat confusing assortment of options when designing a long term care plan.  She interviews Renee Brunelle with Pathfinders Downsizing Solutions and explores how to best transition from home to a senior living environment that still feels like home.

This week, Sue from Seattle, WA, is concerned that her son will need help getting questions answered and finding care providers when she goes on claim.  She wants to know if insurance companies will help.  For asking, we'll send Sue a thank you gift.  Ask your questions at and we can thank you for helping us guide families to be protected against the immeasurable risk of needing extended care.

This week, Robyn from Englewood, Florida, asks a two part question:  If she stops needing LTC benefits, can she stop and restart them later?  And if she does, will she need to pay another deductible?  For asking, we'll send a thank you gift to Robyn this week.  Please ask your questions at click the contact us tab and ask in the remarks section.  We will be sure to thank you as well.

This week, Diane shares why it's important to seek out an CLTC professional when considering our LTC planning options.  She welcomes Jennifer Jenkins with Rooted Holistic Health back to help us learn how to find answers based on facts rather than opinions, and to understand why we need to prepare for a long life.

This week, Ron & Gloria ask if there is any overlap between what Medicare pays for care and what LTC insurance pays.  People often get confused in this area, and Diane answers with an example from her own family. Thanks Ron & Gloria!  Your thank you gift is on the way!  Ask your question in the Contact Us tab at www.preparing4tomorrow.com