Long Term Care Radio

Long-Term Care Specialist, Brian Ott hosts a weekly show covering all aspects of long-term care.

Who Can Be a Caregiver 05/02/2025

Who Can Be a Caregiver Brian explains who can qualify to be a caregiver with insurance and state rules. /episode/index/show/7e94fb3b-fd1d-4dc3-a5e1-17c7e112bcab/id/36414000

Why Statistics Don’t Matter 04/25/2025

Why Statistics Don’t Matter Brian goes over how he designs plans based on personal situations and not averages. /episode/index/show/7e94fb3b-fd1d-4dc3-a5e1-17c7e112bcab/id/36316405

Traditional vs Asset-Based 101 04/18/2025

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. /episode/index/show/7e94fb3b-fd1d-4dc3-a5e1-17c7e112bcab/id/36222125

Tax Time 04/13/2025

Tax Time Brian discuss some overlooked ways to get a tax deduction on long-term care insurance premiums. /episode/index/show/7e94fb3b-fd1d-4dc3-a5e1-17c7e112bcab/id/36116190

Bad Advice 04/04/2025

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. /episode/index/show/7e94fb3b-fd1d-4dc3-a5e1-17c7e112bcab/id/36007920

Should You Keep Your Premium 03/28/2025

Should You Keep Your Premium Brian compares investing insurance premiums to purchasing a long-term care insurance plan /episode/index/show/7e94fb3b-fd1d-4dc3-a5e1-17c7e112bcab/id/35911770

Don’t Believe the Myth’s 03/23/2025

Don’t Believe the Myth’s Brian goes over some of the most common myths surrounding long-term care planning. /episode/index/show/7e94fb3b-fd1d-4dc3-a5e1-17c7e112bcab/id/35827800

When and Where 03/14/2025

When and Where Brian explains the reality of when long term care situations happen and where the majority of people receive care. /episode/index/show/7e94fb3b-fd1d-4dc3-a5e1-17c7e112bcab/id/35681155

Life, Disability, and LTCi 03/07/2025

Life, Disability, and LTCi Brian discusses the difference between Life, Disability, and Long-Term Care Insurance policies prompted by a listener question. /episode/index/show/7e94fb3b-fd1d-4dc3-a5e1-17c7e112bcab/id/35578575

Making Money on LTCi 02/28/2025

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. /episode/index/show/7e94fb3b-fd1d-4dc3-a5e1-17c7e112bcab/id/35486030

Comparing Companies 02/21/2025

Comparing Companies Brian addresses a listener's question about why he doesn't say the company during the client of the week. /episode/index/show/7e94fb3b-fd1d-4dc3-a5e1-17c7e112bcab/id/35379695

Government Reality 02/14/2025

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. /episode/index/show/7e94fb3b-fd1d-4dc3-a5e1-17c7e112bcab/id/35290190

Don’t Pay More for Less 02/08/2025

Don’t Pay More for Less Brian explains why asset-based plans that pay you back are not more expensive than traditional plans. /episode/index/show/7e94fb3b-fd1d-4dc3-a5e1-17c7e112bcab/id/35205600

Care Provider Options 01/31/2025

Care Provider Options Brian discusses the multiple options long-term care insurance pays for when you need care. /episode/index/show/7e94fb3b-fd1d-4dc3-a5e1-17c7e112bcab/id/35102150

Death Benefits, Cash Value and Surrender Value 01/27/2025

Death Benefits, Cash Value and Surrender Value Brian explains the other guaranteed benefits of Asset-Based long-term care insurance plans /episode/index/show/7e94fb3b-fd1d-4dc3-a5e1-17c7e112bcab/id/35030430

Covered Services 01/16/2025

Covered Services Brian goes over what services are covered by Long-term care insurance. /episode/index/show/7e94fb3b-fd1d-4dc3-a5e1-17c7e112bcab/id/34888175

Plan Design Options 01/10/2025

Plan Design Options Brian goes over total benefits, monthly benefits, and other considerations when designing a long-term care insurance plan. /episode/index/show/7e94fb3b-fd1d-4dc3-a5e1-17c7e112bcab/id/34805335

Misconceptions 01/03/2025

Misconceptions Brian goes through the top 5 misconceptions about long-term care planning and what long-term care insurance actually does for you. /episode/index/show/7e94fb3b-fd1d-4dc3-a5e1-17c7e112bcab/id/34705390

What Is Long-Term Care Insurance? 12/27/2024

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. /episode/index/show/7e94fb3b-fd1d-4dc3-a5e1-17c7e112bcab/id/34632995

Traditional Rate Increases 12/20/2024

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. /episode/index/show/7e94fb3b-fd1d-4dc3-a5e1-17c7e112bcab/id/34551975

Formal vs Informal Care 12/13/2024

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? /episode/index/show/7e94fb3b-fd1d-4dc3-a5e1-17c7e112bcab/id/34432510

Understanding Benefits 12/06/2024

Understanding Benefits Brian explains how your benefits work once you go on claim. /episode/index/show/7e94fb3b-fd1d-4dc3-a5e1-17c7e112bcab/id/34321135

Legacy is More Than Money 11/29/2024

Legacy is More Than Money Brian discusses the importance of long-term care planning when doing estate planning. /episode/index/show/7e94fb3b-fd1d-4dc3-a5e1-17c7e112bcab/id/34203015

Family is Why 11/22/2024

Family is Why Brian explains why long-term care planning is not just about money. /episode/index/show/7e94fb3b-fd1d-4dc3-a5e1-17c7e112bcab/id/34113066

What is Underwriting 11/15/2024

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. /episode/index/show/7e94fb3b-fd1d-4dc3-a5e1-17c7e112bcab/id/33939407

What Happens When You Go On Claim 11/08/2024

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. /episode/index/show/7e94fb3b-fd1d-4dc3-a5e1-17c7e112bcab/id/33852802

Where to Start 11/01/2024

Where to Start Brian explains why you don’t start with “quotes” when it comes to long-term care planning. /episode/index/show/7e94fb3b-fd1d-4dc3-a5e1-17c7e112bcab/id/33746022

Taxes and LTC 10/25/2024

Taxes and LTC Brian goes over tax deductions for businesses and individuals and the advantages of tax-free income on claim. /episode/index/show/7e94fb3b-fd1d-4dc3-a5e1-17c7e112bcab/id/33620152

LTC Survey 10/18/2024

LTC Survey Brian discusses a recent survey done and brings some more education about some of the common viewpoints around LTC /episode/index/show/7e94fb3b-fd1d-4dc3-a5e1-17c7e112bcab/id/33515847

The Walmart Effect 10/11/2024

The Walmart Effect Brian talks about the Financial Industry's regulations that have affected choices, similar to the "Walmart Effect". /episode/index/show/7e94fb3b-fd1d-4dc3-a5e1-17c7e112bcab/id/33414077

Long Term Care Radio

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