Long Term Care Radio
Long-Term Care Specialist, Brian Ott hosts a weekly show covering all aspects of long-term care.
Fri, April 25, 2025
Why Statistics Don’t Matter
Brian goes over how he designs plans based on personal situations and not averages.
Fri, April 18, 2025
Traditional vs Asset-Based 101
Brian compares Traditional and Asset-Based long-term care plans and teaches you why you don’t want to pay more for less.
Sun, April 13, 2025
Tax Time
Brian discuss some overlooked ways to get a tax deduction on long-term care insurance premiums.
Fri, April 04, 2025
Bad Advice
Brian reacts to some of the bad advice he has seen given to his clients over the years regarding long-term care insurance.
Fri, March 28, 2025
Should You Keep Your Premium
Brian compares investing insurance premiums to purchasing a long-term care insurance plan
Sun, March 23, 2025
Don’t Believe the Myth’s
Brian goes over some of the most common myths surrounding long-term care planning.
Fri, March 14, 2025
When and Where
Brian explains the reality of when long term care situations happen and where the majority of people receive care.
Fri, March 07, 2025
Life, Disability, and LTCi
Brian discusses the difference between Life, Disability, and Long-Term Care Insurance policies prompted by a listener question.
Fri, February 28, 2025
Making Money on LTCi
Brian explains how your money works in long-term care insurance plans, how there are plans that give you more money back than you put in, and even plans that make you money.
Fri, February 21, 2025
Comparing Companies
Brian addresses a listener's question about why he doesn't say the company during the client of the week.
Fri, February 14, 2025
Government Reality
Brian discussed what the government programs (Medicare, Medicaid, & the VA) provide for long-term care services. He goes through the misinformation and misconceptions out there about these programs and how they work for long-term care.
Sat, February 08, 2025
Don’t Pay More for Less
Brian explains why asset-based plans that pay you back are not more expensive than traditional plans.
Fri, January 31, 2025
Care Provider Options
Brian discusses the multiple options long-term care insurance pays for when you need care.
Mon, January 27, 2025
Death Benefits, Cash Value and Surrender Value
Brian explains the other guaranteed benefits of Asset-Based long-term care insurance plans
Thu, January 16, 2025
Covered Services
Brian goes over what services are covered by Long-term care insurance.
Fri, January 10, 2025
Plan Design Options
Brian goes over total benefits, monthly benefits, and other considerations when designing a long-term care insurance plan.
Fri, January 03, 2025
Misconceptions
Brian goes through the top 5 misconceptions about long-term care planning and what long-term care insurance actually does for you.
Fri, December 27, 2024
What Is Long-Term Care Insurance?
There are a LOT of misconceptions surrounding long-term care insurance and what a long-term care situation really looks like. In this episode, Brian explains what you're actually insuring against when you put a long-term care plan in place.
Fri, December 20, 2024
Traditional Rate Increases
Rate increases on existing long-term care policies are prevalent right now. In this episode, Brian explains exactly what is happening, and why the older policies have had to raise rates.
Fri, December 13, 2024
Formal vs Informal Care
Brian explains how long-term care insurance plans are paid out and who you can pay for your care with your benefits. Can you pay family members to provide your care?
Fri, December 06, 2024
Understanding Benefits
Brian explains how your benefits work once you go on claim.
Fri, November 29, 2024
Legacy is More Than Money
Brian discusses the importance of long-term care planning when doing estate planning.
Fri, November 22, 2024
Family is Why
Brian explains why long-term care planning is not just about money.
Fri, November 15, 2024
What is Underwriting
Brian explains the underwriting process to qualify for long-term care insurance and how we at 525 Advisors help make the process as smooth as possible.
Fri, November 08, 2024
What Happens When You Go On Claim
This week Brian talks you through what happens in a long term care situation and how the experience is vastly different with insurance and without.
Fri, November 01, 2024
Where to Start
Brian explains why you don’t start with “quotes” when it comes to long-term care planning.
Fri, October 25, 2024
Taxes and LTC
Brian goes over tax deductions for businesses and individuals and the advantages of tax-free income on claim.
Fri, October 18, 2024
LTC Survey
Brian discusses a recent survey done and brings some more education about some of the common viewpoints around LTC
Fri, October 11, 2024
The Walmart Effect
Brian talks about the Financial Industry's regulations that have affected choices, similar to the "Walmart Effect".
Fri, October 04, 2024
Reallocating Income
Brian discusses the pitfalls of trying to reallocate existing income to pay for long-term care.
Fri, September 27, 2024
It Wasn’t Medicare
Brian goes over what Medicare and government plans cover for long-term care expenses.
Fri, September 20, 2024
Common and Uncommon Features
Brian goes over some of the differences between different carriers and how their plans work.
Fri, September 13, 2024
What is the Best Plan
Brian discusses how plans are different and considerations you need to understand to find the best option.
Fri, September 06, 2024
Divorce and Second Marriages
Brian discusses the importance of Long-term care planning for couples getting a divorce and 2 nd marriages.
Fri, August 30, 2024
Small Plans Matter
Brian discusses assessing the cost of care and how much coverage you may need.
Fri, August 23, 2024
It’s Your Money
Brian discusses options on getting your money back if you don’t use your plan for long-term care services.
Fri, August 16, 2024
Other Benefits
Brian explains why long-term care insurance is more than money.
Fri, August 09, 2024
Tax Deferral and LTC
Brian dives into how important tax considerations are in long-term care planning and building wealth.
Fri, August 02, 2024
Home Care vs Facility
Brian discusses where you can receive care and how long-term care insurance helps you age in place.
Thu, July 25, 2024
Biggest Mistakes
Brian explains some of the biggest mistakes people make with planning for Long-term care.
Fri, July 19, 2024
Old Plans vs New
Brian explains the advantages of the new long-term care plans compared to the original plans.
Fri, July 12, 2024
What is LTC?
Brian goes back to the basics of what long-term care is and how insurance works.
Fri, July 05, 2024
No Legal Protection
Brian explains how estate planning fails in protecting assets from Long-term care.
Mon, July 01, 2024
Policy Stacking
Brian discusses the advantages of stacking multiple policies over time.
Fri, June 21, 2024
Annuities and LTC
Brian discusses stereotypes and the preconceived notions that some people have about annuities. He also goes into how they can work with long-term care planning.
Thu, June 13, 2024
Does Every Birthday Count?
What is the best age to get a plan in place?
Sun, June 09, 2024
Plan Funding Options
Learn about all of the unique ways to fund the new Asset Based plans.
Thu, June 06, 2024
Plan Funding Options
Learn about all of the unique ways to fund the new Asset Based plans.
Thu, May 30, 2024
I Want My Money Back
Brian goes through why these new plans that pay you back, work so well for so many people!
Fri, May 24, 2024
Hidden Costs
Brian expands on last week's show and goes through the often overlooked and ignored costs that come with a long-term care situation.
Fri, May 17, 2024
How Much in Your Bucket
Brian discusses considerations for deciding the right amount of long-term care insurance.
Thu, May 09, 2024
When Does It Make Sense To Self-Insure?
Thu, May 02, 2024
Policy Questions
Brian addresses great questions from a podcast listener!
Fri, April 26, 2024
Using Required Providers at Claim Time?
Fri, April 19, 2024
Why The Affluent Want LTCI
Thu, April 11, 2024
What your Savings Can’t Do for you!
Thu, April 04, 2024
When Your Spouse Can't Get Coverage
Thu, March 28, 2024
Advantages of LTCi
Find out the true advantages of long-term care insurance, there are many most people don't know about!
Thu, March 21, 2024
Using Life Insurance for LTC
Fri, March 15, 2024
What and Where
What does long-term care insurance actually pay for and where does it pay for care?
Thu, March 07, 2024
IRS and LTC
Learn about the Tax Advantages of LTC.
Thu, February 29, 2024
Return of Premium
Thu, February 22, 2024
Misconceptions
Thu, February 15, 2024
Pay Now or Over Time
Brian talks about the flexibility and different ways to fund a long-term care insurance plan.
Thu, February 08, 2024
Why Your Advisors is Wrong
Fri, February 02, 2024
Reimbursement vs. Cash
Learn the difference between the two ways long-term care plans can pay out.
Thu, January 25, 2024
Estate Planning and LTC
This is a must listen episode for anyone thinking about their estate plan or has already done an estate plan. Learn how LTC is a vital piece of your estate plan and how it helps your estate plan come true.
Fri, January 19, 2024
Don’t Assume
There are a lot of false assumptions about long-term care planning…
Fri, January 12, 2024
Skeptic, Gullible, Educated.
What type of consumer are you?
Fri, January 05, 2024
Medicare
How it works and what it truly pays.
Tue, January 02, 2024
Hidden Costs
Learn more about the hidden costs of a long-term care situation.
Fri, December 22, 2023
Why We End Up In Care
Fri, December 15, 2023
What and How
This week Brian goes back to the basics about what long-term care insurance is and how a claim is triggered.
Thu, December 07, 2023
Beware of Scare Articles
Fri, December 01, 2023
It's a Caravan not a Pickup
Watch out for fake plans! Listen to Brian explain what these fake plans are and how to watch out for them.
Wed, November 22, 2023
Not About Money
Learn why long-term care planning isn't just about the money...
Thu, November 16, 2023
Popular Funding Options
Did you know there is a variety of ways to fund a long-term care plan and some even have tax advantages!
Thu, November 09, 2023
One Doctor Visit Away
Brian talks about how your health plays into the timing of putting long-term care insurance in place.
Thu, November 02, 2023
Estate Planning and Long-Term Care
Brian goes in depth on the misconceptions of how Estate Planning actually works in a long term care situation. Long-Term Care Insurance is SUCH an important piece of an estate plan but often completely overlooked.
Fri, October 27, 2023
Income versus Assets
In this week's show, Brian explains how incme pays for care, not assets. What happens when you convert assets into income to pay for care?
Fri, October 20, 2023
How do Asset-Based plans really work?
How can these asset based plans really pay you back? We have heard people say "They seem too good to be true". Well, Brian goes in depth about how these plans really work in this episode of Long Term Care Radio.
Fri, October 13, 2023
What about Medicare, Medicaid, and the VA?
Learn the truth about government programs for Long-Term care.
Thu, October 05, 2023
Top Three Plans
Top Three Plans
Sat, September 30, 2023
Avoid Rate Increases
Avoid Rate Increases
Fri, September 15, 2023
Plans Aren't The Same
Plans Aren't The Same
Fri, September 08, 2023
When Zero ROI is Good
When Zero ROI is Good
Wed, August 30, 2023
Too Expensive
Too Expensive
Fri, August 25, 2023
Premium Increases
Premium Increases
Thu, August 17, 2023
Protecting Special Needs Children
Protecting Special Needs Children
Thu, August 10, 2023
Using Insurance to Pay Family
Using Insurance to Pay Family
Wed, August 02, 2023
Whose Money is Your Money?
Whose Money is Your Money?
Tue, July 25, 2023
Cost of Waiting
Cost of Waiting
Fri, July 21, 2023
Top Three Plans
Top Three Plans
Fri, July 14, 2023
Reasons to Look Into Planning
Reasons to Look Into Planning
Fri, July 07, 2023
Long-Term Care Basics
Long-Term Care Basics
Fri, June 30, 2023
Staying Independent
Staying Independent
Fri, June 23, 2023
Design Considerations
Design Considerations
Fri, June 16, 2023
Why G.E.T.?
Why G.E.T.?
Fri, June 09, 2023
Live On, Leave On, Move On
Live On, Leave On, Move On
Fri, June 02, 2023
Adding Coverage to an Existing Plan
Adding Coverage to an Existing Plan
Fri, May 26, 2023
Buying a Plan for Family
Buying a Plan for Family
Thu, May 18, 2023
Getting More Back Than You Put In
Getting More Back Than You Put In
Fri, May 12, 2023
Funding with Retirement Accounts
Funding with Retirement Accounts
Fri, May 05, 2023
Reason People Don't Plan
Reason People Don't Plan
Fri, April 28, 2023
No Free Lunches
No Free Lunches
Fri, April 21, 2023
Tax Advantages of a LTCi
Tax Advantages of a LTCi
Fri, April 14, 2023
Leverage and Efficiency
Leverage and Efficiency
Fri, April 07, 2023
Medicare and Long-Term Care
Medicare and Long-Term Care
Fri, March 31, 2023
Don't Buy Price
Don't Buy Price
Fri, March 24, 2023
Know What You're Buying
Know What You're Buying
Fri, March 17, 2023
Why Asset-Based Plans Work
Why Asset-Based Plans Work
Fri, March 10, 2023
Watch Out for Inflation
Watch Out for Inflation
Fri, March 03, 2023
Supplement Your Income
Supplement Your Income
Fri, February 24, 2023
Real Claims Experience
Real Claims Experience
Fri, February 17, 2023
Managing Your Claim
Managing Your Claim
Fri, February 10, 2023
Avoid Facility Policies
Avoid Facility Policies
Fri, February 03, 2023
Funding Options
Funding Options
Fri, January 27, 2023
Taxes in Retirement
Taxes in Retirement
Fri, January 20, 2023
Liquidity and Guarantees
Liquidity and Guarantees
Fri, January 13, 2023
Vegas and Insurance
Vegas and Insurance
Fri, January 06, 2023
January 7, 2023
January 7, 2023
Fri, December 30, 2022
12-31-22
12-31-22
Tue, December 27, 2022
December 24, 2022
December 24, 2022
Fri, December 16, 2022
Traditional Plans
Traditional Plans
Fri, December 09, 2022
De-Risk with Insurance
De-Risk with Insurance
Fri, December 02, 2022
Know What You Are Getting
Know What You Are Getting
Tue, November 22, 2022
Savings and LTC
Savings and LTC
Fri, November 18, 2022
Claim Time
Claim Time
Fri, November 11, 2022
5 Misconceptions
5 Misconceptions
Mon, November 07, 2022
LTC Awareness Month
LTC Awareness Month
Fri, October 28, 2022
Picking the Right Plan
Picking the Right Plan
Fri, October 21, 2022
Not A Nursing Home
Not A Nursing Home
Fri, October 14, 2022
Repositioning Assets
Repositioning Assets
Fri, October 07, 2022
Long Term Care Myths
Long Term Care Myths
Fri, September 30, 2022
Paying Family
Paying Family
Tue, September 20, 2022
Savings, Inventing, Insurance
Savings, Inventing, Insurance
Fri, September 16, 2022
Too Good To Be True
Too Good To Be True
Fri, September 09, 2022
Lifetime Benefits
Lifetime Benefits
Thu, September 01, 2022
State Partnership
State Partnership
Fri, August 26, 2022
Understanding the Process
Understanding the Process
Thu, August 18, 2022
Is mandatory care the answer?
Is mandatory care the answer?
Thu, August 11, 2022
Medicare and Medicaid
Medicare and Medicaid
Thu, August 04, 2022
Hidden Costs
Hidden Costs
Fri, July 29, 2022
Three Unique Funding Options
Three Unique Funding Options
Fri, July 22, 2022
How Claims Work
How Claims Work
Thu, July 14, 2022
Funding Options and Riders
Funding Options and Riders
Fri, July 01, 2022
What is Long-Term Care?
What is Long-Term Care?
Wed, June 22, 2022
Life Insurance and Long-Term Care
Life Insurance and Long-Term Care
Thu, June 16, 2022
When Should I Plan
When Should I Plan
Fri, June 10, 2022
Uninsured Consequences
Uninsured Consequences
Thu, June 02, 2022
Deducting Premiums
Deducting Premiums
Fri, May 27, 2022
Funding Options -- 1
Funding Options
Fri, May 20, 2022
Why Gurantees Work
Why Gurantees Work
Fri, May 13, 2022
Aging in Place
Aging in Place
Fri, May 06, 2022
When Insurance Doesn't Make Sense
When Insurance Doesn't Make Sense
Fri, April 29, 2022
All You Can Eat
All You Can Eat
Thu, April 21, 2022
Paying Family Members
Paying Family Members
Fri, April 15, 2022
Current Trends
Current Trends
Thu, April 07, 2022
Plans for Larger Estates
Plans for Larger Estates
Fri, April 01, 2022
Plans for Smaller Estates
Plans for Smaller Estates
Tue, March 29, 2022
Avoiding the Nursing Home
Avoiding the Nursing Home
Thu, March 10, 2022
If You Can't Get Coverage
If You Can't Get Coverage
Fri, March 04, 2022
Key Design Elements
Key Design Elements
Fri, February 25, 2022
Asset-Based Plans
Asset-Based Plans
Fri, February 18, 2022
Cost of Care
Cost of Care
Fri, February 11, 2022
When Coverage Runs Out
When Coverage Runs Out
Fri, February 04, 2022
Application Process
Application Process
Wed, January 26, 2022
Risk Tolerance
Risk Tolerance
Fri, January 21, 2022
How Much Do You Need?
How Much Do You Need?
Fri, January 14, 2022
January 15, 2022
January 15, 2022
Fri, January 07, 2022
The Basics
The Basics
Fri, December 31, 2021
2021 Recap
2021 Recap
Tue, December 21, 2021
My Story
My Story
Fri, December 17, 2021
Medical insurance versus Long-Term Care
Medical insurance versus Long-Term Care
Fri, December 10, 2021
Government or Private Pay
Government or Private Pay
Thu, December 02, 2021
Who's Going to Pay?
Who's Going to Pay?
Wed, November 10, 2021
Claims Process
Claims Process
Thu, November 04, 2021
November 6, 2021
November 6, 2021
Thu, October 28, 2021
October 30, 2021
October 30, 2021
Thu, October 21, 2021
Advantages of having a plan
Advantages of having a plan
Thu, October 14, 2021
The Right Amount
October 16, 2021
Thu, October 07, 2021
Savings Based Plans
Savings Based Plans
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