Pinned Tweet
There's still a lot of confusion about this, especially in the financial planning community. This two-minute video explains it clearly.
youtube.com/watch?v=0cphJcNy…
Contractually locked rates + Cash indemnity payouts. 💸 How modern long-term care insurance finally became a true asset for your retirement.
Buy my book on Amazon: zurl.co/UTH4e
Listen to the podcast: zurl.co/zUPL5
Watch our YouTube channel: zurl.co/GNqv2
Our website to learn more: zurl.co/DMrmi
Scott A. Olson, CLTC®, is co-founder of zurl.co/DMrmi and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.
#LongTermCare #RetirementPlanning #HybridLTC #FinancialStrategy #LTCInsurance
A real life example of how a 90 service day elimination period worked for our family. Small daily home care visits made a huge difference and helped satisfy the elimination period quickly with minimal out of pocket expense.
Buy my book on Amazon: zurl.co/t8RGI
Listen to the podcast: zurl.co/1dxjA
Watch our YouTube channel: zurl.co/V8g5b
Our website to learn more: zurl.co/3H8Tf
Scott A. Olson, CLTC®, is co-founder of zurl.co/wXopL and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.
#lifeinsurance #ltc #longtermcareinsurance #insurancerates #insurance
Not every investor has the same financial risks. This perspective explains why moderate investors may have the most to lose without a long term care plan.
Buy my book on Amazon: zurl.co/r4c0o
Listen to the podcast: zurl.co/UL2YY
Watch our YouTube channel: zurl.co/c2ly0
Our website to learn more: zurl.co/s9hRx
Scott A. Olson, CLTC®, is co-founder of zurl.co/s9hRx and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.
#LongTermCare #LongTermCareInsurance #RetirementPlanning #FinancialPlanning #AssetProtection #Retirement
A real example of how a 90 day service elimination period worked for our family. Even short daily home care visits helped us meet the requirement.
My book: zurl.co/1FGVH
Podcast: zurl.co/it6oE
YouTube: zurl.co/V0ii4
Website: zurl.co/l0aQv
This example confuses a lot of people in long term care insurance. Here’s why it does not make much practical sense.
Buy my book: zurl.co/JBZch
podcast: zurl.co/3hZzw
YouTube channel: zurl.co/tYmG8
Learn more: zurl.co/Mfdsh
LTCShop.com retweeted
Replying to @amelia_tweetz
My mom had long term care insurance and it was a blessing when we were forced to put her in a care facility.
LTCShop.com retweeted
Replying to @jackbinswitch
LTC insurance is not rare.
What’s rare is people planning ahead to get LTC coverage BEFORE they are so old that it is unaffordable.
To your point: MAKE A PLAN NOW. If “self insure” is the plan, at least earmark the funds you want to use in an investment with LTC features.
LTCShop.com retweeted
Replying to @txsalth2o @LTCShop
My mother-in-law was no longer able to take care of herself. We had cleaned out her house three years prior in anticipation of her coming to live with us. We had even built an addition so she would have her own space. My wife, our daughter and I flew out to bring her back to live with us after a medical emergency. She was dragging her feet and wouldn’t agree to go. My wife’s brother called mom and told her that if she didn’t get on the plane with us, he would call the county immediately and they would take her to a county home for seniors.
That worked. He was bad cop and my wife was good cop. We had six great years with her in our home.
LTCShop.com retweeted
One summer I brought up my parents moving in with us and it turned into a heated argument.
I was trying to get my mom to make a plan for potential illness or injury. I asked, “what’s the plan if you fall and break your hip?” She said that wasn’t going to happen, asked why I was picking a fight and was in no way going to consider leaving the home and community they had lived in for 40+ years.
I kid you not 2 months later I got a phone call. My mom had fallen and broke her hip.
My dad needed full time care due to his cancer recovery.
Same day I hoped on a plane and flew across the country to deal with it. This was the 4th time I had to drop everything and fly out for an emergency in 2 years.
When my mom was discharged I sat down with my parents and said, “Your decisions are making me choose between you and my children. You have lived wonderful full lives, they have not. They need their mom with them. The next time I hop on a plane in an emergency to take care of you two, it’s to bring you back with me. If you want to stay here, then you’re going into a full time care facility. Expecting that your children to take care of you at the expense of your grandchildren because you don’t want to leave San Diego at the age of 80 isn’t right.”
They hadn’t thought of it that way. They were apologetic, and much more open to discussing the home they’d move into if they didn’t move in with me.
I’m sharing because recently I’ve seen many posts from others in similar situations, and thought maybe this line of conversation may help.
They don’t mind making their own kids lives harder but hurting their grandkids? That they care about.
This family's long term care insurance did more than pay for care. It gave them the freedom to keep investments intact during a market downturn instead of selling assets to cover expenses.
Planning ahead can create options when they matter most.
Buy my book on Amazon: zurl.co/PHl2D
Listen to the podcast: zurl.co/Xei3e
Watch our YouTube channel: zurl.co/UOTB5
Our website to learn more: zurl.co/q1P8H
Scott A. Olson, CLTC®, is co-founder of zurl.co/q1P8H and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.
#longtermcareinsurance #ltc #longtermcare #financialplanning101 #ltci #retirementplanning #fiancialfreedom #insurancetips #retirement #lifeinsurance
LTCShop.com retweeted
Replying to @amelia_tweetz
As a real estate agent, I often see the sale of a home or assets to pay for care. That money will be used for care until you are down to I believe around $3K total assets in this world - then you can go on Medicaid (govt assistance). NO one tells people to buy or invest in LONG TERM CARE Insurance or have a separate savings to pay for care. There is a great Twitter account who talks about this @LTCShop
Long-term care insurance was rebuilt from the ground up for the middle class.
Between state Partnership rules protecting your savings dollar-for-dollar and strict pricing regulations, modern LTCi isn't your grandfather’s policy.
22 Reasons Why LTC Insurance is A LOT Better Today than 25 Years Ago: youtu.be/1684VXCN9hk
Don't base long term care planning on family stories or assumptions.
The better question is: What do I have to protect?
Get an anonymous long term care insurance quote in minutes using the Policy Finder. No phone call required.
Buy my book on Amazon: zurl.co/vAFA3
Listen to the podcast: zurl.co/BrEzd
Watch our YouTube channel: zurl.co/yhWJU
Our website to learn more: zurl.co/oaXIb
Scott A. Olson, CLTC®, is co-founder of zurl.co/oaXIb and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.
#longtermcareinsurance #ltc #ltci #retirementplanning #longtermcare #financialplanning101 #fiancialfreedom #insurancetips #lifeinsurance #retirement
Did you know modern long-term care insurance receives tax treatment granted to almost no other financial asset in America? 🤯📉
With tax-deductible premiums for business owners and 100% tax-free benefits when you need care, modern policies are a massive upgrade from the old days. It is the ultimate financial win-win: get the tax deduction on the way in, and your care benefits are completely tax-free on the way out.
If you own a business or an HSA, you need to hear this. Drop your questions in the comments below! 👇
#TaxHacks #LongTermCare #LTCInsurance #BusinessOwnerTips #TaxDeductions #FinancialPlanning #RetirementStrategy
Buy my book on Amazon: zurl.co/sZwDf
Listen to the podcast: zurl.co/aGs0k
Watch our YouTube channel: zurl.co/BDRQw
Our website to learn more: zurl.co/Sxpmn
Scott A. Olson, CLTC®, is co-founder of zurl.co/Sxpmn and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.
1995 Long-Term Care Insurance vs. Modern LTCi:
• Underpriced premiums ➡️ Actuarially sound pricing
• Assumed 5% lapse rates ➡️ Sub-1% real-world lapse pricing
• Medicaid spenddown➡️ 44-state Partnership asset shelter
22 Reasons Why LTC Insurance is A LOT Better Today than 25 Years Ago: youtu.be/1684VXCN9hk
Did you know that modern long-term care insurance eliminated the confusing loopholes of the past? 🚫🔍
Decades ago, fine print made it difficult to qualify for care. Today, federal rules require standardized, objective benefit triggers based on functional reality—not arbitrary hurdles. If you need help with two daily activities or require supervision for a cognitive impairment, you qualify. No prior hospital stays required!
Drop your questions about modern policies in the comments below! 👇
#LongTermCare #LTCInsurance #FinancialPlanning #ConsumerProtection #InsuranceTips #RetirementPlanning #WealthManagement
Buy my book on Amazon: zurl.co/ugbto
Listen to the podcast: zurl.co/3q4js
Watch our YouTube channel: zurl.co/ZacOY
Our website to learn more: zurl.co/k2Dbs
Scott A. Olson, CLTC®, is co-founder of zurl.co/k2Dbs and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.
Many people assume that if their parents or grandparents died young, they won't need long term care.
The reality is that modern medicine has changed the equation.
The condition that may have taken a family member's life years ago could now be something you survive, and live with for years while needing care.
When deciding whether long term care insurance makes sense, focus on your income, assets, and what you want to protect. Don't rely on family history alone.
Buy my book on Amazon: zurl.co/QZfBd
Listen to the podcast: zurl.co/uNdEY
Watch our YouTube channel: zurl.co/xTVkm
Our website to learn more: zurl.co/lSk3h
Scott A. Olson, CLTC®, is co-founder of zurl.co/lSk3h and host of Long-Term Care Insurance Now. He has specialized exclusively in long-term care insurance since 1995 and is licensed nationwide. His National Producer Number (NPN) is 617232.
"Should I Buy LTCi?" Chart: zurl.co/frue3
#longtermcareinsurance #ltc #ltci #retirementplanning #longtermcare #financialplanning101 #fiancialfreedom #insurancetips #lifeinsurance #retirement








