Protecting Your Legacy
Learn about the importance of long-term care planning when you are doing estate planning.
Jul 11, 2025•52 min
Long Term Care Radio
Long-Term Care Specialist, Brian Ott hosts a weekly show covering all aspects of long-term care.
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Episodes
Entitlements Programs
Brian explains how Medicare, Medicaid, and the VA programs work for long-term care.
Jul 03, 2025•52 min
Know what you are buying
Brian addresses a listener’s concerns about his father's policy not paying a claim.
Jun 26, 2025•52 min
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.
Jun 22, 2025•52 min
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.
Jun 15, 2025•52 min
Getting Money Back
Learn how you can access money in your plan through borrowing, surrendering, or canceling you’re your plan.
May 30, 2025•52 min
What LTCi Pays For
Brian will teach you what services long-term care insurance pays for and where you can use your policy.
May 24, 2025•52 min
You Are Self-Insuring
Brian explains why advisors are wrong about self-insuring
May 16, 2025•52 min
Is Cash King
Brian will go over the pros and cons of cash benefit plans
May 09, 2025•52 min
Who Can Be a Caregiver
Brian explains who can qualify to be a caregiver with insurance and state rules.
May 02, 2025•52 min
Why Statistics Don’t Matter
Brian goes over how he designs plans based on personal situations and not averages.
Apr 25, 2025•52 min
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.
Apr 18, 2025•52 min
Tax Time
Brian discuss some overlooked ways to get a tax deduction on long-term care insurance premiums.
Apr 13, 2025•52 min
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.
Apr 04, 2025•52 min
Should You Keep Your Premium
Brian compares investing insurance premiums to purchasing a long-term care insurance plan
Mar 28, 2025•52 min
Don’t Believe the Myth’s
Brian goes over some of the most common myths surrounding long-term care planning.
Mar 23, 2025•52 min
When and Where
Brian explains the reality of when long term care situations happen and where the majority of people receive care.
Mar 14, 2025•52 min
Life, Disability, and LTCi
Brian discusses the difference between Life, Disability, and Long-Term Care Insurance policies prompted by a listener question.
Mar 07, 2025•52 min
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.
Feb 28, 2025•52 min
Comparing Companies
Brian addresses a listener's question about why he doesn't say the company during the client of the week.
Feb 21, 2025•52 min
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.
Feb 14, 2025•52 min
Don’t Pay More for Less
Brian explains why asset-based plans that pay you back are not more expensive than traditional plans.
Feb 08, 2025•52 min
Care Provider Options
Brian discusses the multiple options long-term care insurance pays for when you need care.
Jan 31, 2025•52 min
Death Benefits, Cash Value and Surrender Value
Brian explains the other guaranteed benefits of Asset-Based long-term care insurance plans
Jan 27, 2025•52 min
Covered Services
Brian goes over what services are covered by Long-term care insurance.
Jan 16, 2025•52 min
Plan Design Options
Brian goes over total benefits, monthly benefits, and other considerations when designing a long-term care insurance plan.
Jan 10, 2025•52 min
Misconceptions
Brian goes through the top 5 misconceptions about long-term care planning and what long-term care insurance actually does for you.
Jan 03, 2025•52 min
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.
Dec 27, 2024•52 min
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.
Dec 20, 2024•52 min
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?
Dec 13, 2024•52 min
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