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877-727-9582 Scott@LTCShop.com
 * Read Sample of Book
 * Rate Increases
 * LTC Partnership
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 * Policy Finder
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 * California Residents
 * Policy Finder
 * About Us
 * Read Sample of Book
 * Rate Increases
 * LTC Partnership
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INDEMNITY VS REIMBURSEMENT IN LTCI

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...
Read More


WHEN SHOULD YOU BUY A LIFE / LTC HYBRID POLICY?

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 declined. There are other factors too, which
we will review in this article....
Read More


12 REASONS LONG-TERM CARE INSURANCE IS A SCAM!

Asking yourself if long-term care insurance is a scam isn’t a dumb question, as
many people from all walks of life may suspect that. Over the decades, many
important changes were made to protect the consumer against unfair insurer
decisions or other potential issues...
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SHORT-TERM LONG-TERM CARE INSURANCE

Short-term long-term care insurance might seem like an oxymoron. How can an
insurance product designed to help you pay for long-term care costs look like
short-term care insurance? Here are three characteristics of short-term
long-term care insurance: Shorter benefit...
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WHAT IS TRUE LONG-TERM CARE INSURANCE?

True long-term care insurance isn’t typically sold by ‘financial advisors’ or
insurance agents, as most of them sell life insurance. How can you know?

Read More


IMPROVEMENTS TO LONG-TERM CARE INSURANCE

Traditional long-term care insurance is the oldest and most common form of
long-term care insurance. Of the 7,111,139 long-term care policies in-force (as
of December 2021), 6,311,826 are traditional long-term care insurance
policies....
Read More
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MEDICARE DOES NOT PAY FOR LONG-TERM CARE SERVICES.


IF YOU HAVE ASSETS TO PROTECT (RETIREMENT, SAVINGS, CDS, STOCKS, PROPERTY), THEN
YOU NEED TO WATCH THIS VIDEO TO LEARN HOW A LONG-TERM CARE PARTNERSHIP POLICY
CAN PROTECT YOUR ASSETS FOR THE MEDICAID SPEND-DOWN RULES.



BEEN DECLINED FOR LONG-TERM CARE INSURANCE?

We’ve helped hundreds of people get approved for long-term care insurance, even
if you’ve been declined in the past.

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BUY OUR BOOK



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STATE INFO

Need information about your state? We strive to provide accurate information
about each state’s recommendations.

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CONTACT US

Have questions? We’re here to help. Email us, or call us at your convenience.


DIRECT, FRANK ADVICE!

This book provides straight-talk about buying LTC insurance. Don’t assume that
just because an agent or even your investment advisor says their new option is
“best”, it’s likely not best for you. Scott’s book gives you the tools to ask
the right questions to get the best coverage for you and your family. #1: Don’t
be afraid to shop around! And never get pressured into buying something on your
first call or appointment. Click HERE to read the review on Amazon!

William E. Comfort

March 22, 2018


THE BEST ON LTC COVERAGE

This is the best book I’ve read to make an informed decision on ltc insurance.
There are so many products out there and so many good and bad salesmen that this
is a MUST READ book to have in your arsenal. It cuts to the chase and explains
the need to know facts in making an informed decision. Its such important
insurance and Scott explains that really anyone can afford it. I cared for my
parents for 10 years and know that everybody needs to have ltc coverage. I’m so
impressed with Scott’s advice that I have gifted this book to my financial
planner, CPA and all our closest friends and family members.  Click HERE to read
the review on Amazon!

Miz Picky

August 1, 2018


CLEAR, NO-NONSENSE INFORMATION THAT WILL GREATLY IMPROVE YOUR UNDERSTANDING OF
LONG TERM CARE INSURANCE OPTIONS

An excellent read for anyone wanting to cut through the clutter of Long Term
Care Insurance policy offerings. I had a decent understanding of LTCi policies
but now have a much stronger knowledge after reading this book. I am now aware
of considerations in policy selection that were not intuitively obvious before.
I will re-read this book and use it as a reference when my wife and I purchase
policies in the not too distant future.

This book is not a sales pitch by the author but honestly seeks to inform of the
pros and cons of the options in the market today. Of course if you chose to
contact him for quotes along with other providers I expect he would be pleased
to compete for your business. Cheers. Click HERE to read the review on Amazon!

Silk McCue

April 11, 2018


BOOK IS A “MUST-READ” BEFORE BUYING ANY LTC POLICY

Scott’s book explains the world of long term care insurance in a very easy to
understand manner. If you are thinking about buying a LTC policy, you must read
Scott’s book first. You will gain an incredible amount of knowledge that you can
apply when you start talking with LTC agents, reviewing LTC quotes, and
ultimately, purchasing a LTC policy.  Click HERE to read the review on Amazon!

David Johnson

August 25, 2018


BOOK HELPFUL; SCOTT IS AMAZING!

I read this book and found it extremely helpful! I also spoke directly with
Scott and he was amazingly helpful and knowledgeable. No, pushy salesmen. Just
honest helpful information. I recommend this book and to reach-out to Scott
afterward to discuss and find answers to your specific questions and situations.
I am a real person!!
Houston, Texas 
Click HERE to read the review on Amazon!

A.W. (Verified Purchase)

December 7, 2018


A VERY PRACTICAL GUIDE.

This book is easy to read and understand. Illustrations are clear. I recommend
it to anyone who is doing financial planning for themselves or their family
members.  Click HERE to read the review on Amazon!

Sheri Richardson

June 21, 2018


GREAT BOOK. VERY INFORMATIVE.

Great book. It has a lot of information and facts about long term care insurance
that I couldn’t find on the internet. The author seems very knowledgeable about
the subject. The book gives clear and firm answers to questions other insurance
agents normally would just say “it depends”, such as whether people should
consider hybrid policies, etc. The book has one typo error and some paragraph
has weird formatting though, but does not affect the quality of the content at
all.  Click HERE to read the review on Amazon!

Sheryl Liu

May 20, 2018


WHAT IS A “RECOVERY POLICY”?

by Scott A. Olson, CLTC | August 1, 2024 | LTCi Basics, LTCi Info Articles | 0
Comments

Finding out what a recovery policy is requires some background information. In
most states, these policies are called “Limited Benefit Convalescent Care.”
That’s not an appealing name for an insurance policy. Sometimes, these policies
are mislabeled as “short-term...
Read More


TOP 10 STATES FOR LONG-TERM CARE INSURANCE RATE INCREASE PROTECTIONS

by Scott A. Olson, CLTC | November 6, 2019 | LTCi Info Articles, LTCi in the
News | 0 Comments

Rate Increases.Rate Increases!Rate Increases!!Rate Increases!!!That’s all you
see when you read about long-term care insurance on the internet. It’s true
there have been a lot of rate increases on long-term care insurance policies.
However, that’s only half the...
Read More


MEDICARE FOR ALL IS *NOTHING* LIKE MEDICARE

by Scott A. Olson, CLTC | October 10, 2018 | LTCi Info Articles, LTCi in the
News | 0 Comments

Medicare is one of the most popular programs the federal government has ever
created. To capitalize on Medicare’s popularity, proponents of single-payer
healthcare are calling their plans “Medicare For All”. The details of the
“Medicare For All” plans, however, are...
Read More


THE STATE OF WASHINGTON’S LONG-TERM CARE TRUST ACT IS “AS GOOD AS IT GETS”

by Scott A. Olson, CLTC | March 22, 2018 | LTCi Info Articles, LTCi in the News
| 0 Comments

The State of Washington was recently considering legislation to help fund
long-term care for some of the state’s residents. The program would be funded
through a payroll tax of .49% on all wages. Every employee in the state of
Washington will be automatically enrolled...
Read More


SIMPLE LTC SOLUTION

by Scott A. Olson, CLTC | March 19, 2018 | LTCi Info Articles, LTCi Basics,
Partnership Policy | 0 Comments

How to Protect Your Life’s Savings with a Long-Term Care Partnership Program The
insurance industry does not want you to read this book. This book gives you
knowledge from an insider. This knowledge will empower you to take simple steps
that can protect your life’s...
Read More


READER BEWARE: CHICAGO TRIBUNE PUBLISHES “HALF-RIGHT” ARTICLE ON LTC INSURANCE

by Scott A. Olson, CLTC | February 7, 2018 | LTCi Info Articles, LTCi in the
News | 0 Comments

Chicago Tribune writer knows just enough about LTC insurance to be dangerous.
The Chicago Tribune recently published an article by Elliot Raphaelson. It’s
entitled, Long-term care insurance: Buyer beware, which is why I’ve entitled
this post, “Reader Beware!” Below...
Read More


WHY ARE SO FEW COMPANIES SELLING LONG TERM CARE INSURANCE?

by Scott A. Olson, CLTC | December 11, 2016 | LTCi Info Articles, LTCi Myths | 0
Comments

In his article, "Should I Buy Long Term Care Insurance", Richard Eisenberg,
Money Editor for PBS-owned NextAvenue.org wrote: “Insurance companies keep
dropping out of this market….’a decade ago, there were more than one hundred
insurance companies writing private...
Read More


YUGO FAILED! LONG TERM CARE INSURANCE MUST BE DEAD NOW

by Scott A. Olson, CLTC | December 9, 2016 | LTCi in the News, Activities of
Daily Living (ADLs), Benefits Triggers (Triggers), LTCi Info Articles | 6
Comments

Between 1985 and 1992, over 140,000 Yugos were imported into the United States.
The Yugo rarely met emission standards, had an unreliable electrical system, and
continually broke down. The joke went: “Why does the Yugo come with a rear
defroster?.....” “so your hands...
Read More


NEW LONG TERM CARE INSURANCE COMPANIES BRING NUMBER OF ACTIVE SELLERS TO 13

by Scott A. Olson, CLTC | November 27, 2016 | LTCi in the News, LTCi Info
Articles | 5 Comments

With more long term care insurance companies coming into the market, there are
now 13 different long term care insurance companies actively selling new
policies in most states. National Guardian Life is the newest entrant to the
long-term care insurance market....
Read More


THE REAL REASON JOHN HANCOCK IS DISCONTINUING SALES OF NEW LONG TERM CARE
INSURANCE POLICIES

by Scott A. Olson, CLTC | November 10, 2016 | LTCi Info Articles, LTCi in the
News | 5 Comments

John Hancock has sold over 1.2 million long-term care insurance policies.  Most
of those policies were sold between 2002 and 2012. During that 10-year span John
Hancock offered some of the best long-term care insurance policies on the
market.  We have hundreds of...
Read More
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