Indemnity vs Reimbursement in LTCi

Consumers looking for long-term care insurance (LTCi) may ask about the differences between indemnity vs reimbursement plans. This is a valid question, as there are key factors making them separately unique. Deciding to purchase an indemnity or reimbursement plan...

When Should You Buy a Life / LTC Hybrid Policy?

Instead of using traditional long-term care insurance policies, a LTC hybrid policy offers more opportunities to those who have a bad health history – as many who do are more likely to be declined. There are other factors too, which we will review in this article....

12 Reasons Long-Term Care Insurance is a SCAM!

Asking yourself if long-term care insurance is a scam isn’t a dumb question, as many people from all walks of life may suspect that. Over the decades, many important changes were made to protect the consumer against unfair insurer decisions or other potential issues...

Short-Term Long-term Care Insurance

Short-term long-term care insurance might seem like an oxymoron. How can an insurance product designed to help you pay for long-term care costs look like short-term care insurance? Here are three characteristics of short-term long-term care insurance: Shorter benefit...

What is True Long-Term Care Insurance?

True long-term care insurance isn’t typically sold by ‘financial advisors’ or insurance agents, as most of them sell life insurance. How can you know?

Improvements to Long-Term Care Insurance

Traditional long-term care insurance is the oldest and most common form of long-term care insurance. Of the 7,111,139 long-term care policies in-force (as of December 2021), 6,311,826 are traditional long-term care insurance policies....

Medicare does NOT pay for long-term care services.

If you have assets to protect (retirement, savings, CDs, stocks, property), then you need to watch this video to learn how a Long-Term Care Partnership Policy can protect your assets for the Medicaid spend-down rules.

Been Declined for Long-Term Care Insurance?

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What is a “Recovery Policy”?

by Scott A. Olson, CLTC | August 1, 2024 | LTCi Basics, LTCi Info Articles | 0 Comments

Finding out what a recovery policy is requires some background information. In most states, these policies are called “Limited Benefit Convalescent Care.” That’s not an appealing name for an insurance policy. Sometimes, these policies are mislabeled as “short-term...

Top 10 states for Long-Term Care Insurance Rate Increase Protections

by Scott A. Olson, CLTC | November 6, 2019 | LTCi Info Articles, LTCi in the News | 0 Comments

Rate Increases.Rate Increases!Rate Increases!!Rate Increases!!!That’s all you see when you read about long-term care insurance on the internet. It’s true there have been a lot of rate increases on long-term care insurance policies. However, that’s only half the...

Medicare For All Is NOTHING Like Medicare

by Scott A. Olson, CLTC | October 10, 2018 | LTCi Info Articles, LTCi in the News | 0 Comments

Medicare is one of the most popular programs the federal government has ever created. To capitalize on Medicare’s popularity, proponents of single-payer healthcare are calling their plans “Medicare For All”. The details of the “Medicare For All” plans, however, are...

The State of Washington’s Long-Term Care Trust Act is “as good as it gets”

by Scott A. Olson, CLTC | March 22, 2018 | LTCi Info Articles, LTCi in the News | 0 Comments

The State of Washington was recently considering legislation to help fund long-term care for some of the state’s residents. The program would be funded through a payroll tax of .49% on all wages. Every employee in the state of Washington will be automatically enrolled...

Simple LTC Solution

by Scott A. Olson, CLTC | March 19, 2018 | LTCi Info Articles, LTCi Basics, Partnership Policy | 0 Comments

How to Protect Your Life’s Savings with a Long-Term Care Partnership Program The insurance industry does not want you to read this book. This book gives you knowledge from an insider. This knowledge will empower you to take simple steps that can protect your life’s...

Reader Beware: Chicago Tribune publishes “half-right” article on LTC insurance

by Scott A. Olson, CLTC | February 7, 2018 | LTCi Info Articles, LTCi in the News | 0 Comments

Chicago Tribune writer knows just enough about LTC insurance to be dangerous. The Chicago Tribune recently published an article by Elliot Raphaelson. It’s entitled, Long-term care insurance: Buyer beware, which is why I’ve entitled this post, “Reader Beware!” Below...

Why Are So Few Companies Selling Long Term Care Insurance?

by Scott A. Olson, CLTC | December 11, 2016 | LTCi Info Articles, LTCi Myths | 0 Comments

In his article, "Should I Buy Long Term Care Insurance", Richard Eisenberg, Money Editor for PBS-owned NextAvenue.org wrote: “Insurance companies keep dropping out of this market….’a decade ago, there were more than one hundred insurance companies writing private...

New Long Term Care Insurance Companies Bring Number of Active Sellers to 13

by Scott A. Olson, CLTC | November 27, 2016 | LTCi in the News, LTCi Info Articles | 5 Comments

With more long term care insurance companies coming into the market, there are now 13 different long term care insurance companies actively selling new policies in most states. National Guardian Life is the newest entrant to the long-term care insurance market....

The REAL Reason John Hancock is Discontinuing Sales of New Long Term Care Insurance Policies

by Scott A. Olson, CLTC | November 10, 2016 | LTCi Info Articles, LTCi in the News | 5 Comments

John Hancock has sold over 1.2 million long-term care insurance policies. Most of those policies were sold between 2002 and 2012. During that 10-year span John Hancock offered some of the best long-term care insurance policies on the market. We have hundreds of...

Some attorneys understand long term care insurance, others don’t.

by Scott A. Olson, CLTC | January 16, 2016 | LTCi Info Articles, LTCi Myths | 0 Comments

Most elder law attorneys understand long term care insurance and the advantages it gives their clients who are healthy and want to plan ahead. One of the leading advocates for long term care insurance is a founding member of the National Academy of Elder Law...

Direct, frank advice!

This book provides straight-talk about buying LTC insurance. Don’t assume that just because an agent or even your investment advisor says their new option is “best”, it’s likely not best for you. Scott’s book gives you the tools to ask the right questions to get the best coverage for you and your family. #1: Don’t be afraid to shop around! And never get pressured into buying something on your first call or appointment. Click HERE to read the review on Amazon!

William E. Comfort

The Best on LTC Coverage

This is the best book I’ve read to make an informed decision on ltc insurance. There are so many products out there and so many good and bad salesmen that this is a MUST READ book to have in your arsenal. It cuts to the chase and explains the need to know facts in making an informed decision. Its such important insurance and Scott explains that really anyone can afford it. I cared for my parents for 10 years and know that everybody needs to have ltc coverage. I’m so impressed with Scott’s advice that I have gifted this book to my financial planner, CPA and all our closest friends and family members. Click HERE to read the review on Amazon!

Miz Picky

Clear, no-nonsense information that will greatly improve your understanding of Long Term Care Insurance options

An excellent read for anyone wanting to cut through the clutter of Long Term Care Insurance policy offerings. I had a decent understanding of LTCi policies but now have a much stronger knowledge after reading this book. I am now aware of considerations in policy selection that were not intuitively obvious before. I will re-read this book and use it as a reference when my wife and I purchase policies in the not too distant future.

This book is not a sales pitch by the author but honestly seeks to inform of the pros and cons of the options in the market today. Of course if you chose to contact him for quotes along with other providers I expect he would be pleased to compete for your business. Cheers. Click HERE to read the review on Amazon!

Silk McCue

Book is a “Must-Read” before buying any LTC policy

Scott’s book explains the world of long term care insurance in a very easy to understand manner. If you are thinking about buying a LTC policy, you must read Scott’s book first. You will gain an incredible amount of knowledge that you can apply when you start talking with LTC agents, reviewing LTC quotes, and ultimately, purchasing a LTC policy. Click HERE to read the review on Amazon!

David Johnson

Book helpful; Scott is amazing!

I read this book and found it extremely helpful! I also spoke directly with Scott and he was amazingly helpful and knowledgeable. No, pushy salesmen. Just honest helpful information. I recommend this book and to reach-out to Scott afterward to discuss and find answers to your specific questions and situations. I am a real person!!
Houston, Texas
Click HERE to read the review on Amazon!

A.W. (Verified Purchase)

A very practical guide.

This book is easy to read and understand. Illustrations are clear. I recommend it to anyone who is doing financial planning for themselves or their family members. Click HERE to read the review on Amazon!

Sheri Richardson

Great book. Very informative

Great book. It has a lot of information and facts about long term care insurance that I couldn’t find on the internet. The author seems very knowledgeable about the subject. The book gives clear and firm answers to questions other insurance agents normally would just say “it depends”, such as whether people should consider hybrid policies, etc. The book has one typo error and some paragraph has weird formatting though, but does not affect the quality of the content at all. Click HERE to read the review on Amazon!

Sheryl Liu