PODCAST · business
Long Term Care Radio
by Brian Ott, RICP, CLTC
Long-Term Care Specialist, Brian Ott hosts a weekly show covering all aspects of long-term care.
Episodes
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The Last Radio Show
Although the podcast will continue, this show is the last show airing on the radio stations. Brian goes through how we started this show and how it has evolved over the years.
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Staying In Your Home
Brian discusses what points to consider when planning on staying in your own home in a long-term care situation.
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General Policy Questions
Brian responds to thoughtful questions about long-term care insurance policies.
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Small Plans Count
Brian explains why even a small long-term care insurance plan makes sense for most people.
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Protecting Your Legacy
Learn about the importance of long-term care planning when you are doing estate planning.
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Entitlements Programs
Brian explains how Medicare, Medicaid, and the VA programs work for long-term care.
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Know what you are buying
Brian addresses a listener's concerns about his father's policy not paying a claim.
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Better Funding Options
Brian explains the various ways to fund these asset-based long-term care programs and how they remain an asset to you.
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Get More for Less
Brian compares asset-based plans that pay you back with traditional plans that don't and teaches you which ones cost less.
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Getting Money Back
Learn how you can access money in your plan through borrowing, surrendering, or canceling you're your plan.
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What LTCi Pays For
Brian will teach you what services long-term care insurance pays for and where you can use your policy.
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You Are Self-Insuring
Brian explains why advisors are wrong about self-insuring
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Is Cash King
Brian will go over the pros and cons of cash benefit plans
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Who Can Be a Caregiver
Brian explains who can qualify to be a caregiver with insurance and state rules.
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Why Statistics Don't Matter
Brian goes over how he designs plans based on personal situations and not averages.
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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.
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Tax Time
Brian discuss some overlooked ways to get a tax deduction on long-term care insurance premiums.
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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.
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Should You Keep Your Premium
Brian compares investing insurance premiums to purchasing a long-term care insurance plan
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Don't Believe the Myth's
Brian goes over some of the most common myths surrounding long-term care planning.
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When and Where
Brian explains the reality of when long term care situations happen and where the majority of people receive care.
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Life, Disability, and LTCi
Brian discusses the difference between Life, Disability, and Long-Term Care Insurance policies prompted by a listener question.
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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.
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Comparing Companies
Brian addresses a listener's question about why he doesn't say the company during the client of the week.
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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.
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Don't Pay More for Less
Brian explains why asset-based plans that pay you back are not more expensive than traditional plans.
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Care Provider Options
Brian discusses the multiple options long-term care insurance pays for when you need care.
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Death Benefits, Cash Value and Surrender Value
Brian explains the other guaranteed benefits of Asset-Based long-term care insurance plans
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Covered Services
Brian goes over what services are covered by Long-term care insurance.
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Plan Design Options
Brian goes over total benefits, monthly benefits, and other considerations when designing a long-term care insurance plan.
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Misconceptions
Brian goes through the top 5 misconceptions about long-term care planning and what long-term care insurance actually does for you.
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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.
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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.
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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?
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Understanding Benefits
Brian explains how your benefits work once you go on claim.
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Legacy is More Than Money
Brian discusses the importance of long-term care planning when doing estate planning.
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Family is Why
Brian explains why long-term care planning is not just about money.
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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.
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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.
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Where to Start
Brian explains why you don't start with "quotes" when it comes to long-term care planning.
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Taxes and LTC
Brian goes over tax deductions for businesses and individuals and the advantages of tax-free income on claim.
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LTC Survey
Brian discusses a recent survey done and brings some more education about some of the common viewpoints around LTC
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The Walmart Effect
Brian talks about the Financial Industry's regulations that have affected choices, similar to the "Walmart Effect".
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Reallocating Income
Brian discusses the pitfalls of trying to reallocate existing income to pay for long-term care.
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It Wasn't Medicare
Brian goes over what Medicare and government plans cover for long-term care expenses.
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Common and Uncommon Features
Brian goes over some of the differences between different carriers and how their plans work.
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What is the Best Plan
Brian discusses how plans are different and considerations you need to understand to find the best option.
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Divorce and Second Marriages
Brian discusses the importance of Long-term care planning for couples getting a divorce and 2nd marriages.
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Small Plans Matter
Brian discusses assessing the cost of care and how much coverage you may need.
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It's Your Money
Brian discusses options on getting your money back if you don't use your plan for long-term care services.
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Frequently Asked Questions
How many episodes does Long Term Care Radio have?
Long Term Care Radio currently has 195 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.
What is Long Term Care Radio about?
Long-Term Care Specialist, Brian Ott hosts a weekly show covering all aspects of long-term care.
How often does Long Term Care Radio release new episodes?
Long Term Care Radio publishes regularly with 195 episodes available. Check the episode list for the typical release schedule.
Where can I listen to Long Term Care Radio?
You can listen to Long Term Care Radio on PodParley by clicking any episode. We provide an embedded audio player for direct listening, and you can also subscribe via your preferred podcast app using the RSS feed.
Who hosts Long Term Care Radio?
Long Term Care Radio is created and hosted by Brian Ott, RICP, CLTC.
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