All Episodes
Preparing For Tomorrow podcast — 285 episodes
Nursing home care is inevitable unless...
Alternatives to LTC insurance
When should we not buy LTC insurance?
When is it not a good idea to buy LTC insurance?
What are typical exclusions with LTC insurance?
What's on the menu?
Which is my favorite hybrid LTC plan?
What's Your Long Term Care Plan?
Guest Interview: Mary Ellen Gilbert with Navacare
How to keep our parents from ruining our plans
Where are we most independent as we age?
He walked out on us
What is LTC Partnership and how can it help me?
How did I get here & why do I stay?
How can the insurance company pay if no one is billing them?
be One of the few
nearly 800,000 care workers needed by 2034
We can't keep doing this to the women in our lives
Guest Interview: Esther Greenhouse, environmental gerontologist, control how you age
What is a biomarker? Why should I care?
It's either your plan or someone else's plan for you
We don't know what it feels like to be old
Saving $26,850 in premiums over 5 years? LTC Specialists matter
I should have done this when I first thought of it
He fell and he couldn't get up
48% increase in cost of care from 2019-2024
Don't let them scam you or your parents
We need to plan like the sun will come up tomorrow morning
If I can't get what I want, I don't want anything
My clients need me 25 years before they think they need me
Please share this with someone you love
7.8 Million professional caregivers needed in next 25 years!
Guest Interview: Jason Dutra shares Worksite LTC case study 4 employees
What is discussed in our first meeting?
Back to the Basics of Long Term Care
2026 Resolution: Fund LTC plan without killing the budget
A Christmas song from Paul & Diane Stoddart
Guest Interview:Jason Dutra BuddyIns - easy to add LTC at work
I can't afford LTC & I'll never qualify for Medicaid
301% rate increase? What the...?
Some of what I'm thankful for...
Guest Interview: Jason Dutra with BuddyIns discusses UNUM ceasing LTC sales in February 2026
Nov. is LTC Awareness Month & Family Caregiver Month - coincidence?
Who is the LTC insurance really for?
Questions we don't get as often but very relevant
Which hybrid plan do I recommend most?
Guest Interview: Jason Dutra with BuddyIns shares how employers can attract and retain employees
Poor decisions when planning cause BIG problems later
Start Young & Get it Done Part 2
Start Young & Get it Done!
Who's your quarterback? What's your defense?
Guest Interview: Jason Dutra with BuddyIns shares worksite LTC plans today vs. yesterday
Less healthy? Less Wealthy? Less Young? There are plans for you
Just keep throwing seeds
Questions that must be asked if you're told to self fund LTC needs
LTC in Europe
When Health Interrupts Our Plans
Which kind of plan is right for me?
Understand how different annuities offer LTC benefits
How having a plan can help the whole family
What can happen without a plan?
We need to focus on what we can control
Annuity LTC Client turned $100K taxable gains to tax-free income for LTC
Stand-alone LTC - shared and individual
shared vs. individual LTC plan comparison - how do they work?
Are shared LTC plans the same as Partnership plans?
This week, I'm talking to dads
Highlights from 2025 Sustainable Solutions: Future of LTC Financing
More people with memory concerns at younger ages - limits options severely
Guest interview: Mike Simenstad with NGL - How LTC plans and planning has evolved
I want to buy an LTC policy for my parents
What tax advantages are you overlooking?
In this economy, it's even more important to have a plan
30 years of retirement needs 30 years of LTC protection
Don't do these things until after you've considered LTC insurance options
Case Study: Is age 79 too late to buy LTC insurance?
Questions 9 & 10 - Nursing homes? Paying family?
Question 8 - How long will I need to pay my LTC premiums?
Question 7 - Does Medicare pay for long term care?
Question 6 - What's the best age to buy LTC insurance?
Question 5 - Are there tax deductions when I own LTC insurance?
Question 4 Part 2 - Annuities: can I get my money back if I don't need care?
Question 4 - Can I get money back if I don't need care?
Question 3 - What is an Elimination Period?
Question 2 - How much insurance do I need?
Question 1 - What does LTC insurance pay for?
Reason For The Season - Song for you to enjoy from us
Notice who is helping who this holiday season
2 years ago...
Case Study: Joe 71 & Jenny 72 single premium life/LTC hybrid plan
Our Thanksgiving card and song for you
Guest interview: Lynda Krueger with Owl Be There Tampa
Gio wants a plan that does EVERYTHING and more
Do I need to use the whole benefit every month?
The nursing home costs $13,000/month. Will the state take my house to pay for it?
Do You Ever Get Depressed Talking about This Stuff?
What are the biggest mistakes people make when considering LTC insurance?
We made it through Milton and are feeling blessed
We're in Tampa and are staying here throuh Milton
We made it through hurricane Helene, but too many didn't - What does that have to do with LTC ?
Why & when would an insurance company not approve and pay a claim?
$25,000-$30,000 per month for home care and assisted living?
They're selling EVERYTHING to qualify for Medicaid
Make that inherited IRA create tax-free LTC benefits
What's better than leaving an inheritance?
Tom said he doesn't think he'll ever need LTC, so why should he buy a policy?
Asking the intrusive health questions gets more approvals
Questions I hate to get
What questions do we get most often?
Why is it important to work with a LTC Planning Specialist?
What's a 1035 exchange?
What if I die before using all my LTC benefits?
They said I was too big to qualify for LTC insurance. What can I do to protect my family?
When I Met Alzheimer's Face to Face
My lifetime of mistakes that you shouldn't make - really only 3 of them
Case Study - he turned $100K taxable gains into over $500K tax-free LTC benefits
Pension Protection Act - create tax-free LTC income using taxable gains on non-qualified annuities
We think we're saving on premiums, but what's the real cost of waiting?
I promised your mom
Interview: Jay Zigmont with Childfree Wealth - Who's going to bring me my chips?
How can we afford to pay $270K annually for care in 30 years?
Home Care Costs Increased over 14% March 2023 to March 2024!!!
How can I be sure the insurance company will keep their promise to pay?
Where is the urgency?
How can I be sure I can live at home no matter what happens to me?
Is the LTC plan my company is offering the same as one I can buy on my own?
Questions we can't answer today need to be addressed anyway
The LTC plan everyone needs - with or without insurance
Rate increases are the elephant in the room
Baseball and Long Term Care - What league are you in?
What happens at claim time?
Peace - Love - Joy - Hope
Case Study - If she had an cash indemnity plan, it would be so much easier
Which words help and which damage our ability to plan for or receive LTC benefits?
What are our parents thinking? And why?
What is Underwriting? What is reverse underwriting?
Welcome to Preparing For Tomorrow 2024!
Marry Christmas - Happy Holidays - Welcome 2024!
Can I stop/pause benefits after I start using my LTC insurance?
Will you review my LTC policy and tell me if it's right for my needs?
LTC Awareness Month - Physical - I'm tired, and I have to stop!
LTC Awareness Month - Caregiver strain - SOCIAL
LTC Awareness Month- Caregiver Strain- Emotional
LTC Awareness Month - Caregiver strain - MONEY
LTC Awareness Month - Caregiver strain- TIME
If I move to another state or country, will I need to buy a new plan?
Is there a time limit for me to use my LTC benefits?
What are consequences of waiting to buy?
Don't do this to your kids!!!
What can I do if my LTC company increases my premium?
Why do you need to know my financial information to get me a quote?
What does Tax-Qualified mean?
Should I include inflation protection in my LTC plan, even at the higher cost?
Hurricanes & Dementias - cone of uncertainty
Can the cash value in my life insurance be used to fund a LTC plan?
Can I use an annuity to fund my LTC plan and avoid taxes?
Can I use my IRA to fund an LTC plan for my spouse?
How is long term disability insurance different than LTC insurance?
Is it worth it to wait for better health?
What are some pitfalls to watch for when considering LTC coverage options?
What are you really sacrificing when you wait to buy LTC insurance?
Prepare Today to Celebrate Independence Tomorrow
February Case Study: What if I was declined?
Why should we include our adult children when planning for LTC?
How can we use the SECURE ACT to design tax-free LTC benefits?
How long will I have to pay premiums?
Do I need LTC insurance if I don't have a family to protect?
A plan for wherever you live and whoever is helping
Why is it important to have dedicated funds for care?
LTC insurance buys your family time to make better decisions for your care
Can we buy a small LTC policy today and add more coverage later?
Why can't I just get a quote?
LTC annuities with enhanced LTC benefits
Explain the phrase "protect assets equal to benefits paid"
Don't have LTC insurance? You still need a plan
How does a 1035 exchange work to add LTC benefits to my life insurance policy?
Same premium; very different tax deductions
What tax deductions are available with LTC insurance?
If I have enough money, do I really need LTC insurance?
Why should I start planning today?
How can we continue to bring you valuable content?
Premium increase or Waiver of Premium, which would you prefer?
I was just diagnosed with _____, can I still get the insurance?
Natural Consequences
Recap 2022 and Welcome 2023!
My Christmas Wish
Prepared or not prepared? - that is my question...
Is an LTC tax coming to my state?
Interview: Michael Anthony with Medicaid Success Select
Their advisor told them to wait 3 years to buy LTC coverage...
How long will they live?
Time to resettle into a smaller space? A senior move manager can make it easy
IRS rules change; client adds second plan to offset taxes
Interview: Michelle Thomas with The Colonnade at Carrollwood
Interview: Mary George with Best Years Senior Care
Bonnie said "That's not enough!"
Interview: Dean Lambert with The Love Always Project
When should a 31 year old be adding LTC to their retirement plan?
We need a plan for when life doesn't go as planned
April is tax season - learn what laws are in place to reduce taxes and protect assets
Where is the LTC industry headed?
Interview: Angelett Johnson with Small Assisted Living Coalition
How did Nancy choose to protect her family?
March Case Study - which benefits should Nancy select?
Is there an LTC plan that I can use to pay my daughter and for professional care?
Interview: Kelly's dad showed his love for her by preparing early
Love is letting our family manage our care rather than provide care when LTC is needed
What if I'm not sure what benefits or what company I want?
Interview with Psych-K facilitator and author Judy Kane
January Case Study Annuity LTC
If one company declines me, will all other companies do the same?
Wrapping up 2021!
If I have enough money, do I really need LTC insurance? Part 3
If I have enough money, do I really need LTC insurance? Part 2
How does the Alternate Plan of Care work?
Doreen's last chapter
Gotta pause....
Why can't I just get a quote online like with other insurance?
What does Contingent Non-Forfeiture mean? Is it on every LTC plan?
My husband's LTC insurance will end next month. What can I do to keep it active?
What is Restoration of Benefits? What other optional riders are available?
Will using the LTC benefit decrease the death benefit? How?
Coming soon to a state near you...
Can a corporation pay AND deduct LTC premiums for key employees?
Can I put my assets into a trust and ask Medicaid to pay for my LTC?
Celebrate Independence!!!
If I don't need care for 30 years, how do I choose a company today?
When I met Alzheimer's face to face
Our own LTC journey continues
I'm only 28 and need to opt out. What can I do?
How do I qualify for a preferred health discount?
What does LTC insurance cost? Then I'll know how much to get
How long is a typical nursing home stay?
Will Medicare payments for skilled care go toward my LTC elimination period?
What's the difference between long term care and hospice care?
How can I avoid paying the LTC Trust Act tax?
Why might someone be rejected for LTC insurance?
What about taxes?
Can I use my 401(k) to fund an LTC plan?
What happens when LTC insurance runs out?
How do I choose a home care agency?
Is all underwriting the same?
How do I open a claim for my parents?
Is there affordable LTC coverage if I lost income/employment during the pandemic?
Will a revocable trust protect my estate when LTC is needed?
Thankful to move on to 2021
Can someone age 81 get LTC coverage?
Will LTC insurance pay for home care only in my own home?
When is it too early to buy LTC coverage?
What's the benefit of a single pay linked benefit plan?
What's the benefit of a single pay LTC plan?
Is there a plan that can help my wife, who is in a wheelchair?
How much does LTC cost?
What is an elimination period? How does it work?
Why is there a waiting period if I change medication?
Pain is the Motivator
How much is enough LTC insurance?
How does COVID - 19 affect the LTC industry?
You Drive...We Navigate
Will insurance companies help my family find help when I need it?
Can I stop the benefits and restart later?
Seek an Expert
Is there an overlap with Medicare and LTC insurance?
What is an LTC Partnership Plan?
Can my spouse use my plan if I don't?
Prepare to be generous
Building Bridges
What's the youngest age to buy LTC insurance?
Is it ever too late to buy LTC insurance?
When caregivers get help helping...
Do I need to get a new policy after 3 or 5 years?
Can I use LTC insurance to pay my daughter?
Do I need a physical to get LTC insurance?
Quality of Life
Do I have to go to a nursing home with LTC insurance?
What does Medicare pay for?
How much insurance do I need?
What's the best age to buy LTC insurance?
Better...Calmer...More Restful
Interview with my husband/producer
Advocate vs. salesperson
Seamless Transitions
LTC and Estate Planning
When I Met Alzheimer's Face to Face
Why is planning important?