This week, Steve in North Carolina wants to know if all LTC insurance companies use the same underwriting guidelines to determine eligibility. Listen as Diane shares how LTC underwriters use our health history to make decisions.

This week, Cindy asks how to go about opening a claim for her parents LTC needs. When is the right time to contact the insurance company? What happens when a claim is opened? For asking, we'll send Cindy a gift to say thank you for contributing and asking questions that provide the answers we need when life throws a curve ball.

This week, Carmen Palogruto with Cruise Planners asked what LTC options are available for people rebounding from a loss of income or a job loss due to the pandemic. Listen as Diane shares some ideas on how to build plans over time.

This week, Norman in Florida shared that he and his wife recently updated their revocable trust and wants to know if that will protect their estate if long term care is needed. Listen as Diane shares some insight about trusts and LTC plans. Full disclosure, Diane is not an attorney, but she works with many when designing plans for her (and their) clients. As a thank you, we'll send Norm a gift for asking.

Diane shares what's changed in the LTC industry in 2020. How are consumers responding to these changes? How does the Secure Act affect our LTC planning and funding strategies going forward?

This week, Sharon and her daughter Michelle want to know if there are any insurance options for a healthy 81 year old. Listen to Diane's reply and ask your questions so we can continue to help others learn how to Prepare For Tomorrow. Merry Christmas to you and all whom you hold dear in your hearts.

This week, Joy asks if she can use her LTC plan to pay for home care if she lives somewhere other than the home where she currently resides. Specifically, she wants to move to a Continuing Care Retirement Community (CCRC). Diane shares how LTC insurance pays for home care services. What questions do you have? When you ask, you are helping us to help others who also want to learn how to protect their family from the immeasurable cost of an extended care need.

This week, Quint Bodine with Heartland Payroll Service asks when is it too early to buy LTC insurance. Please like, review, subscribe and share so others can learn how to protect against this immeasurable risk. We'll send Quint a gift to say thank you this week, and we can send one to you if we use your question in a future episode. Ask at www.preparing4tomorrow.com

This week, Diane continues answering Jennifer's question from last week and discusses single pay linked benefit or hybrid plans. There are multiple companies that offer these plans, and they all look a little different. For time's sake, we only discuss one company and one combination of benefit options here. Go to www.preparing4tomorrow.com to request a free consult from the Contact Us tab to learn if and what options are best to protect your family.

This week, Jennifer in Illinois inquires about the value/benefit of a single pay LTC plan. There are a few advantages to paying a lump sum up front, which Diane shares in this week's episode. For asking, we'll send her a gift to say thank you for helping us help others. Ask your question at www.preparing4tomorrow.com and we'll send you a thank you gift as well.