by Scott A. Olson, CLTC® | Mar 19, 2012 The short answer is no. Long-term care insurance is not harder to buy today! What consumer advocate, Clark Howard, and other mainstream personalities mistake for an impossible underwriting barrier is actually a modernized…

by Scott A. Olson, CLTC® | Mar 19, 2012 The answer – no. Relying on a Health Savings Account (HSA) to self-insure for long-term care fails due to three fundamental flaws: timing risk (lack of coverage during the 20 to 30 year accumulation phase), care-cost inflation…

by Scott A. Olson, CLTC® | Mar 19, 2012 Quick Summary Advisor Bias:  19 out of 20 financial advisors will pitch cash-value life insurance when asked about long-term care planning, often ignoring traditional standalone coverage. Strategic Utility of Hybrids:  Life/LTC…

by Scott A. Olson, CLTC® | Mar 19, 2012 Executive Summary The Welfare Trap: Transferring your home into an irrevocable Medicaid Asset Protection Trust to bypass the 60-month lookback can force you onto a public welfare program instead of creating a viable retirement…

LTCi Info Articles | LTCiNow Podcast Insights Is Self-Funding Long-Term Care Really Cheaper Than Insurance? by Scott A. Olson, CLTC® In this episode of LTCiNow , the discussion explains why Self- Funding Long- Term Care can cost far more than most families expect. The…

Long-Term Care Insurance Claims: How to Make the Process Easy and Stress-Free by Scott A. Olson, CLTC® Long-Term Care Insurance Claims begin when a policyholder needs help with two or more Activities of Daily Living (ADLs) or has a qualifying cognitive impairment. To…

Alzheimer’s Blood Tests and Long-Term Care Insurance: What to Know Before You Test by Scott A. Olson, CLTC® | Mar 19, 2012 Table of Contents 2 3 Alzheimer’s Blood Tests and Long-Term Care Insurance: What Consumers Must Know Before Testing Alzheimer’s Blood Tests and…

#1 Easy Long-Term Care Insurance: Real Stories of Finding Coverage When Others Said “No” by Scott A. Olson, CLTC® Many people assume that qualifying for long-term care insurance is difficult, stressful, or only possible for those in excellent health. Thankfully,…

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? by Scott A. Olson, CLTC® 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…