7.8 Million professional caregivers needed in next 25 years!
Preparing For Tomorrow podcast
Release Date: 02/05/2026
7.8 Million professional caregivers needed in next 25 years!
Preparing For Tomorrow podcast
Providing care for a very sick, injured or elderly family member is hard! Especially without help. There are currently over 50 million family caregivers sacrificing their time, family, health and future to provide that care. LTC insurance is not designed to replace you; it's there to help you be able to help without hurting yourself or getting overwhelmed from doing it alone. Who is going to pay for those 7.8 million licensed care providers as the Baby Boomer generation reaches 80 this year and continues to age? It's either us, our family, or the government. Part of "us" is LTC insurance - so...
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Guest Interview: Jason Dutra shares Worksite LTC case study 4 employees
Preparing For Tomorrow podcast
Jason Dutra with BuddyIns joins us this week to share a case study on worksite LTC benefits. There are companies that will offer guaranteed issue (no health questions) hybrid life/LTC plans to a company with as few as 3 employees. Listen and learn if this is a tool you would like to offer, or that you would like your employer to offer. Then schedule an introductory meeting with me to discuss options for your company If you'd like to learn more first, use this link to research at BuddyIns You can schedule a meeting with Jason by submitting a referral at the top right of the page. Please...
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What is discussed in our first meeting?
Preparing For Tomorrow podcast
Hello to all our new and returning listeners! Because we've had a large increase in listeners, I thought I'd share what we discuss during our initial consultation (which costs you only time). It's good for long time listeners to get a refresher as well. Our first meeting, via phone or Zoom and sometmes in person, is mostly educational. It's impossible to make a decision on something as important as preparing for futue extended care needs unless we understand what we are deciding. LTC insurance is not for everyone. It must fit in with the rest of your retirement plan in order to protect...
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Back to the Basics of Long Term Care
Preparing For Tomorrow podcast
Because we have so many new listeners, we decided to get back to the basics of long term care and LTC insurance. The best starting point is to learn current and future costs of home care, assisted living, and nursing home care. Use the cost of care website to find costs where you live at Once we understand the risk we're up against if we suffer from dementia, a stroke or a severe car accident (for example), we need to decide where we would want to live when help is needed to get through our days. We need to consider who we want to have helping us, and we need to decide how we're...
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2026 Resolution: Fund LTC plan without killing the budget
Preparing For Tomorrow podcast
Happy New Year! Let's make 2026 the year we design and fund our LTC plan without destroying our budget. This week, Diane shares ways to pay for long term care insurance with alternatives to simply using income to fund it. Listen and learn how to reduce the impact on the budget while preparing for that day when we do become more dependent on other people to help us get through our days. We're making sure to afford a plan today AND afford to provide for our needs then. Schedule a phone or zoom meeting to discover unique and creative ways to prepare for your family's tomorrow If...
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A Christmas song from Paul & Diane Stoddart
Preparing For Tomorrow podcast
We recorded "It Came Upon a Midnight Clear" along with a few other classics about 15 years ago. My husband, Paul, is the guitar master, and I am playing flute. Please enjoy, and share with those you care about most as you gather to celebrate this week. As Christians, our family is celebrating the birth of our Savior. Whatever you celebrate this season, do so with love and joy in your hearts. If you're weary, lay still and hear the angels sing as they bring peace throughout the world. I pray for blessings over each of you today, and into 2026 (and beyond). Sending hugs to...
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Guest Interview:Jason Dutra BuddyIns - easy to add LTC at work
Preparing For Tomorrow podcast
When discussing worksite LTC with employers, two question come up all the time - 1) How much work do I as an employer or HR director have to put in? 2) I heard LTC insurance is expensive. How much more will the company be spending to add this benefit? Jason Dutra clearly addresses both of these questions this week. For more info, reachout to me Or research first at Jason's email is When asking him or the team for more info, be sure to let them know I sent you so we can connect that way.
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I can't afford LTC & I'll never qualify for Medicaid
Preparing For Tomorrow podcast
That title is an oxymoron. Truthfully, if you'll never qualify for Medicaid, that means you'll pay for all of your long term care needs yourself. In this week's episode we're sharing things you need to consider today, long before care is needed. You need to prepare for tomorrow's needs today, whether you choose to own insurance or not. You need to create a roadmap for your caregivers to follow if you're unable ot unwilling to communicate your wishes when you need extended care. In today's episode, Diane shares what is involved in creating that roadmap. To help you prepare for where...
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301% rate increase? What the...?
Preparing For Tomorrow podcast
Diane received an email this week from a long time listener who received a notice of a 301% rate increase request from his LTC insurance company. This episode discusses the process of requesting and seeking approval for rate increases. This process is heavily regulated from multiple angles. It's definitely not a random insurance company tactic to create more profit or to force policy holders to cancel their policies. I know it seems like it sometimes. Rate increases cause a lot of headache and extra work and payroll expense to the insurance companies as well. They don't want to...
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Some of what I'm thankful for...
Preparing For Tomorrow podcast
Thank you all who are listening to these podcasts and for the great feedback you've shared over the years. I can't believe we're in our sixth year already. I'm so thankful that these poscasts are helping so many people learn about long term care and all the strategies available to protect our families. Enjoy your family this Thanksgiving weekend, and always be thankful. If you're ready to plan for your family, schedule
info_outlineProviding care for a very sick, injured or elderly family member is hard! Especially without help.
There are currently over 50 million family caregivers sacrificing their time, family, health and future to provide that care.
LTC insurance is not designed to replace you; it's there to help you be able to help without hurting yourself or getting overwhelmed from doing it alone.
Who is going to pay for those 7.8 million licensed care providers as the Baby Boomer generation reaches 80 this year and continues to age?
It's either us, our family, or the government.
Part of "us" is LTC insurance - so we won't force our famly members to exhaust themselves.
You can view current (2024) and estimate future cost of care where you live here
I recommend you use 5% COLA and not the 3% that defaults when you open the page.
I said I would add a link to the site that discusses LTC reform and how Medicaid impacts the entire industry, but the link is not active today. I have LTC Bullets emailed to me weekly. Hopefully, it's up and running again soon. The link is here for when it is online again
Schedule a meeting with me here