Preparing For Tomorrow podcast
Diane Stoddart, Certified Long Term Care Consultant, will show you how to protect your family and loved ones from the financial, physical and emotional burdens and consequences when long term care is needed. In each episode, Diane will help you to navigate through long term care concepts, terms and options and to discuss what strategies are available that can best protect both your family and your nest egg. We will invite guests to sit with us and share ideas regarding various parts of our lives as they relate to long term care planning.
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What are typical exclusions with LTC insurance?
08/13/2026
What are typical exclusions with LTC insurance?
Mike emailed asking about typical exclusions or pre-existing concerns with LTC insurance. LTC insurance is governed by Internal revenue Code (IRC) 7702(b). To be able to offer insurance, companies must adhere to this rule. American Association for LTC insurance (AALTCi) has many resources available on this You can view both current and projected costs of care where you live at I strongly suggest using a 4 or 5% cost of living factor when checking future costs. I think we'd be lying to ourselves if we believe the costs of care will be lower than that in the future. Baby Boomers are starting to turn 80 this year. Learn how Medicaid works (or doesn't work) in your state at Book a quick phone or zoom meeting to ask a question at Book an introductory get to know you meeting at Schedule an initial no obligation consultation at Get ready to Prepare for Tomorrow!!!
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What's on the menu?
08/06/2026
What's on the menu?
Just send me a quote can be compared to going out for dinner, but on a bigger level. When we go out to eat, we consider how hungry we are, what atmosphere we want for dining, what fits our budget, what kind and amount of food we want, and more. We need to plan for LTC needs the same way. Where would we want to live? Who will be providing care? How can we afford this? What companies and plans will consider our health risk? As a planning specialist, I have several insurance companies (restaurants) with various planning and funding options (menu). LTC planning can seem overwhelming, but if we know and understand what we want, we can eliminate menu items (plan options) and restaurants (insurance carriers) to focus on the one's who will pay for the type of care we would want and by whom. As your guide, I help to clarify your questions and share answers to those questions so you can decide what's best for you and your family. Schedule an introductory call or zoom meeting with me to start planning
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Which is my favorite hybrid LTC plan?
07/30/2026
Which is my favorite hybrid LTC plan?
This week, because I was the primary caregiver for our very sick dog, I exhausted myself for 10 days (nothing compared to caring for a parent or grandparent for several years). We're replaying one of your most listened to episodes about hybrid life/LTC plans as a refresher. Learn current and projected costs of care where you live at Learn what each state let's you keep to qualify for Medicaid at and please note that if you request to meet with a specialist from this website, you'll need to ask for me specifically as there are six specialists on this team. Schedule an introductory meeting with Diane at Schedule a full initial consultation to learn how to protect your family at And take care of your favorite furry family members!!!!
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What's Your Long Term Care Plan?
07/23/2026
What's Your Long Term Care Plan?
As promised, here is the link to view my dog's awesome workout routine on Facebook He's doing a little better each day and will hopefully be back to normal in a few more days. On long term care, we all have a plan. Some of us know what our plan is, and some are leaving the decisions up to others, maybe family, maybe the state Medicaid system. In either case, if our memory is fading, or if our decision making skills diminish, we can't be involved in those decisions, and the people around us are stuck tryuing to figure out what we would have wanted. If we have these conversations 10-20-30 years before a need shows up that forces us to need help to get through each day, then our people will know what we would want. Whether you choose to own LTC insurance in some form or not, you still need to have a plan, and those you love most need to know what that plan is. Email me at and I'll reply sending you tools and resources you can use to build your plan. Then, once you know where you would like to live and who you would like to have helping you, schedule time with me to figure out how you can afford to implement your plan
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Guest Interview: Mary Ellen Gilbert with Navacare
07/16/2026
Guest Interview: Mary Ellen Gilbert with Navacare
This week, my guest Mary Ellen Gilbert with shares how we can see the early signs that an aging parent or family member needs more support, even when they insist they're fine. She shares how her company helps families find the right place where their loved one can be the most comfortable at a time when nothing seems comfortable. We need to understand that the person in need is not resisting the help; they're resisting losing thier independence. That we can help them stay as independent as possible with the right support. We need to have these conversations early, so we're not scrambling to figure out what they would have wanted without their input. We always feel guilty that we're doing it wrong if we don't ask early enough to know what they would want. As caregivers, we also need support to know we're not the only one going through this. Navacare offers a free support group for family members in the Clearwater, Tampa Bay area, and they have an online course that can be purchased that walks families through the A-Z of the aging process. These resources are so valuable and can be found in their website Once Mom or Dad is safe, or even better, before they need your support, reach out to me to prepare for your tomorrow at my
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How to keep our parents from ruining our plans
07/09/2026
How to keep our parents from ruining our plans
We all want to wait as long as we can to buy LTC insurance. Too often, health concerns diminish or eliminate what can be offered. In this week's episode, Diane shares consequences that show up when our parent's health and care needs interfere with our ability to plan well. If we implement and start paying the premiums earlier, we can fully fund our policies before mom or dad needs our money and/or our time because they had failed to prepare for their own care needs. If we could completely fund our plan before mom or dad asks for $2000/$4000/$6000 every month for their care, then we know we'll be prepared for our tomorrow and won't need to do the same to our kids, or friends or relatives. When we wait, our parents' negligence or denial of their own needs can prevent us from being financially secure when our own long term care is needed. Learn what your state Medicaid dept let's you keep to qualify for Medicaid at Schedule an introductory meeting to learn if some form of LTC insurance is an appropriate tool for your family at Schedule a full no obligation consult at
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Where are we most independent as we age?
07/02/2026
Where are we most independent as we age?
This week we turn independence upside down. We think we're independent when we can live and receive care in our homes, but that forces our family to reshape their lives to support our progressing needs. Then families feel really bad when they realize they can't do it - they never knew how much work and time it takes. So many parents beg their children to never "put" them somewhere. Or when the subject comes up, they exclaim, "I'm not ready yet!" But then, after they do move to Senior Living, the new exclamation becomes "OMG, why didn't I move her sooner?" Senior Living communities are evolving to meet Baby Boomer demands for comfort and activities. Today, the good ones can be considered Resorts with Help. The better ones, with the best employees who can nurture our well-being and create a great culture cost more than others. The median cost for assisted living today across the country is $75,000 annually and is expected to increase to over $200,000 per year in 20 years. That's median, so the resort like places will cost more. We need to prepare today so we can choose where we can live later. View current and projected costs of care (use 5% inflation growth) at Schedule a brief introductory call or zoom meeting with Diane at
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He walked out on us
06/25/2026
He walked out on us
In almost three decades, I've been asked to leave, I've been hung up on, I've been sworn at and more. But only one person actually got up and walked out of the meeting. This week, I'm talking about dads. The 82 year olds and the 32 year olds and how the role is changing for the better, in my opinion. Men are stepping up to help more with the kids and to just be present for them. It's a choice. It's also a choice to prepare today for a time when it may be harder to do the things that are taken for granted today, like putting on socks and shoes, or walking up steps without assistance. Hopefully, the dad's who are willing to be vulnerable today with children growing up will be willing to admit that there may be a time when help is needed. They'll prepare for those days as well. View current and projected costs of care using 5% COLA Check out a ton of great consumer resources at the American Association for LTC Insurance Schedule an introductory meeting with Diane at
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What is LTC Partnership and how can it help me?
06/18/2026
What is LTC Partnership and how can it help me?
This week, we learn about how state LTC Partnership programs started and how they developed over time to include most states. What is Long Term care Partnership? Why is this an effective way to help middle income and middle asset families protect savings when long term care is needed. Who benefits from these kinds of plans? The American Association for Long Term Care Advocacy has a ton of inormation on Partnership and may other subjects. You can find it You can view both current and projected costs of care )please be realistic and use 5% annual inflation Learn what state Medicaid programs let you keep and qualify for Medicaid This is my colleagues website, and I am one of the Specialisrts you can get if you schedule a meeting through this website. But you may get someone else, so use it for research as there are so much great information. Then schedule a 30 minutre introductory meeting with me to help me understand your quest
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How did I get here & why do I stay?
06/11/2026
How did I get here & why do I stay?
People sometimes ask how I got involved in LTC insurance and how do I feel always talking about getting old or sick because it's so depressing. Here's how long term care and LTC insurance showed up in my life and why I am committted to stay. Review both current and projected costs of care where you live Please use 5% COLA for projections. If we think the caregiving industry's inflation will decrease going forward, we're fooling ourselves. Baby boomers are starting to turn 80 this year. The tsunami is here. Learn Medicaid rules in your state The National Council on Aging is a great resource Schedule a 15 minute "Get to know you" call or zoom meeting today at
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How can the insurance company pay if no one is billing them?
06/04/2026
How can the insurance company pay if no one is billing them?
LTC insurance claims are hard to get approved because so many claims are not actually long term care. When a claim is declined, the family becomes disgruntled and angry at the insurance company. Usually the problem is what the providers/doctors, facilities are reporting when filing the claim. LTC News reported over $15 billion was paid in claims in 2024. See the details at AHIP (America's Health Insurance Plans) reports over $16 billion paid in 2024 and separates results by states at View current and projected costs of care where you live at Please be sure to use 5% cost of living increases to get a clear picture of future costs. Schedule time with me to learn more at
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be One of the few
05/28/2026
be One of the few
This week, we discuss the costs of dementia care vs. other long term care needs. Too many believe Medicare pays for care after age 65. Medicare may pay for up to 100 days if skilled care is also needed to help recovery from a hospitalization/procedure, and if you've been in the hosptal at least three nights. At age 80, 75% of people with Alzheimer's disease live in nursing homes while 4% of others at age 80 live there. Do you really want to spend down your assets to qualify fro Medicaid and be "put" in a nursing home where 75% of your peers have dementia? Here is a link to learn what it takes to qualify for Medicaid in your state Here is a link to see current and future costs of care where you live (use 5% inflation growth to project future costs more accurately Then use the link below to schedule a brief call or zoom with me to learn if LTC insurance may be a good strategy you can use to protect yor family, savings and choices If we agree it's a valuable option to consider, we'll schedule a longer meeting and get to work.
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nearly 800,000 care workers needed by 2034
05/21/2026
nearly 800,000 care workers needed by 2034
As baby boomers reach age 80 this year, with the immigrant population in the US diminishing, and seeing the almost 80% turnover of employees in home care, assisted living and nursing home care, we are getting ever closer to the Silver Tsunami. Even today, we don't have enough licensed care givers to meet the need of our aging population. That's before we consider the massive need for geriatricians who provide medical treatment for the elderly. Our primary care physicians are reporting they don't feel comfortable diagnosing or addressing patient questions about dementia. And there are not enough specialists to manage this need. Those with LTC insurance that can be used to pay for care by anyone, licensed or not, are going to be able to help their families help them better and longer when an extended care need shows up. And I say this often - these long term care needs do just show up. We need to prepare for them today, while we're healthy enough to be approved for coverage. You can learn more through the Alzheimer's Association You can schedule a free consultation with me to start designing your plan You can schedule a 15 minute "Get to Know You" meeting
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We can't keep doing this to the women in our lives
05/14/2026
We can't keep doing this to the women in our lives
In the U.S., almost 13 million unpaid/family caregivers are caring for someone with dementia right now. Many are doihng this without help or support from other family members. Most family caregivers are women who live with the dementia patient. 1/4 have kids they are also providing for, placing them in the "sandwich generation". 30% of family caregivers are 65 and older, many with health concerns of their own. The Alzheimer's Association has a ton of info and helpful resources We need to prepare for if and when dementia moves and claims residency in our own homes. And we need to plan so that we don't force the women in our lives to give up everything to provide for us During this Mother's Day week, the best Mother's day gift for your wives, sisters, daughters, grandaughters is to have a plan so you know where you would want to be, who you would lke to have with you, and how you plan to pay for this enormous risk. Schedule time with me to Prepare for your Tomorrow and theirs
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Guest Interview: Esther Greenhouse, environmental gerontologist, control how you age
05/07/2026
Guest Interview: Esther Greenhouse, environmental gerontologist, control how you age
Esther Greenhouse is an environmental gerontologist and longevity strategist who helps people stay independent as they age - physically and financially. As president of Silver to Gold Strategies, she advises financial and long-term care propgrams on reducing preventable caregiving needs and costs. Her Enabling Design Method has shaped national age-friendly initiatives and helped her own mother age in place for 7 extra years, saving an estimated $500,000 to $1.5 million and preserving dignity and choice. Esther lives in Chapel Hill, North Carolina. I learn so much from Esther every time I speak with her and am honored to have her as a colleague! LinkedIn Website Email Remember to schedule time wth me to Prepare for Your Tomorrow
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What is a biomarker? Why should I care?
04/30/2026
What is a biomarker? Why should I care?
The Alzheimer's Association released a Special Report that updates dementia and dementia care information. I have on;y read about 1/3 of the info so far, so I expect I'll have a lot more to share over the nexrt several weeks. The industry is getting better at discovering, diagnosing, and managing dementia. I tried to get a link to the report, but I can't find it. The title is "2026 Alzheimer's Disease Facts and Figures". There is a ton of info at the Alzheimer's Association website website Check out the "About" and 'Research" tabs, and then schedule with me to protect your family, assets and choices when extended care is needed at home, in a family member's home or in a facility/community setting Schedule
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It's either your plan or someone else's plan for you
04/23/2026
It's either your plan or someone else's plan for you
We need to decide if we're going to make our own care decisions when we can no longer live alone or independantly. Or are we going to leave those decisions to a governement employee who must follow whatever the current government decides is approved for your care. Medicaid is being gutted, so please don't believe that you can rely on that at your most critial time in life. Please check out the links below and then schedule with me to start designing your plan so you can be prepared for whatever tomorrow brings your way. Kaiser Family Foundation 10 things about Medicaid long term care services and support AARP Nursing home staffing mandate delayed University of Pennsylvania letter to Elizabeth Warren Schedule to learn more and design your plan
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We don't know what it feels like to be old
04/16/2026
We don't know what it feels like to be old
Professionals in geriatrics and gerontology define "elderly" and "advanced age" as 65 and older and those with chronic needs. It's hard to believe I'm almost elderly?!? The fact that there are professional specialties and new Ai tools, websites, apps and software programs focusing on this enormous age group should indicate to us younger than 60 to prepare for those days ahead of us. There are people and tools available to help as we age, and we should never be embarrassed to ask for help when we need it. Here are several helpful links you can use: America Association for LTC Insurance Phyllis Shelton's LTC website full of valuable info Certification for LTC Elder Law Answers about law and Medicaid Help and guidance for caregivers Help filing LTC claims Alzheimer's Association National Council on Aging Companion Robot for seniors View current and projected costs of care where you live Schedule a phone or zoom meeting to start designing your plan today
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Saving $26,850 in premiums over 5 years? LTC Specialists matter
04/09/2026
Saving $26,850 in premiums over 5 years? LTC Specialists matter
A client with whom I've maintained a relationship for over a decade was almost talked into buying a new LTC plan earlier this year. I'm glad she called me to ask for help! I researched her risk and offered a very similar plan with significantly lower rates. Research is the key to finding the best plans for your family. When you are offered a quote for LTC insurance, ask the person quoting you how many companies they represent and how many LTC applications they submit on average each year. LTC planning is too important to leave to amatures! View current and projected costs of care where you live and where you plan to retire at Then schedule a phone or zoom meeting to start designing your plan
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I should have done this when I first thought of it
04/02/2026
I should have done this when I first thought of it
Don't let your 50 year old kids regret not having planned for future extended care needs when they first thought of it. A first question I ask when meeting with someone is "What made you decide to look into LTC planning now?" Far too many reply with some form of having thought about this years ago, but for whatever reason they came up with, they decided to wait. Now, the plans we're considering cost a lot more at 70 than they did at 50. Or maybe they can't health qualify for the plan they want. You must encourage your 40, 50 and 60 year old children to plan now, while they can be approved by more companies, and while the rates are manageable. This week, we share a client who is buying a plan for her daughter because the family knows the value of LTC insurance after seeing the husband/dad's LTC plan pay over $200,000 over 24 months, protecting the famly's wealth and emotional well-being. Two clarifications - 1) Audrey did not keep $46,000 of the RMD because she did have to pay taxes on the withdrawal. 2) Lindsey's plan's benefits wil increase by 3% annually. She doesn't have to wait until the 10th payment to see increases. Schedule with Diane to design your plan View current and projected costs of care (use 5% inflation) where you live at
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He fell and he couldn't get up
03/26/2026
He fell and he couldn't get up
This week, I'm sharing a story of what happened when I was walking my dog on Saturday. This can happen to anyone. We don't have to be old or sick to have an accident. So many people wait to buy LTC insurance because it's for old people, but 1/3 of people receiving care today are under age 65. And we need to be healthy enough to qualify for coverage. If we wait until after an accident, or a diagnosis, or a medicine that insurance companies won't accept, our options narrow or disappear. Also, we need to encourage our older family members to not be afraid to tell on themseloves when they fall. Even after a big event that causes us to need help living through our days, owning LTC insurance increases the probability that we can stay home to get the help we need. View both current and projected costs of care where you live Then schedule with me to start designing your plan
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48% increase in cost of care from 2019-2024
03/19/2026
48% increase in cost of care from 2019-2024
According to an AARP report, the Department of Health and Human Services reported a 48% increase in cost for home care and assisted living from 2019-2024, while median household income for families 65 and older rose only 22%. That's an average 8% annual increase! And people doubt when we use 5% annual increases to project future needs.... View a summary of the report See what current and projected cost of care where you live at Then schedule with me to learn how you can protect your family, assets and choices
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Don't let them scam you or your parents
03/12/2026
Don't let them scam you or your parents
This week, I received a very disturbing call, and this was soon after I met a man whose job is to protect people (mostly seniors) from scams. I'm so glad that a woman reached out to me for guidance before spending over half of her mom's little bit of savings she needed for her care. Listen and learn, then schedule time with me to prepare for your tomorrow. When we're prepared, we're less likely to be tricked. The 2025 Cost of Care report is available so you can see both 2025 costs and projected costs of care where you live. Check it out BTW, home care costs increased by 13% across the country last year. Prepare today by scheduling a phone or Zoom meeting with me
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We need to plan like the sun will come up tomorrow morning
03/05/2026
We need to plan like the sun will come up tomorrow morning
We need to believe that we're going to get through these world events that are being thrown at us every day. We have to believe that we're going to live a long life. When we live a long life, we get old, and when we get old we need help. The massage today is short, and I hope it encourages each of you to continue planning to protect those you care about most. The new 2025 Cost of Care updates were released thjis week and you can see current nd projectewd costs where you live We're seeing a 13% increase in home care costs across the country. If we want o stay home when we need help getting through our days, we need to plan now to be able to do that. Schedule a phone or Zoom meeting with me to get started
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If I can't get what I want, I don't want anything
02/26/2026
If I can't get what I want, I don't want anything
Just like when we go to an all-you-can-eat buffet, our eyes are bigger than our stomach. With LTC protection, bigger than our budget. We want the best policy that will pay for everything we need for as long as we need care, but our income and savings say we can afford something with less coverage. Or we apply as a couple and one is declined for health. Does this mean we don't get any coverage at all? No! It means we get as much as we can afford for the duration of premiums. If half of our expenses are paid for with insurance, that's using our own assets and income to pay the other half rather than paying for all of our needs ourselves. Our family will be thankful for anything we do to help them help us better. View 2024 and projected costs of care where you live Please use a 4% or 5% increase in costs when looking in the future years as that's how costs have increased over the last three decades. Learn what your state let's you keep to qualify for Medicaid Schedule a phone or zoom meeting to start designing your plan
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My clients need me 25 years before they think they need me
02/19/2026
My clients need me 25 years before they think they need me
I get so many calls from families trying to find caregiving support answers for their older parent or relative. They've reached a point where they are overwhelmed and need help providing for their loved one. This is not the time to look for insurance. The choices are limited and have higher costs because at age 75 or 80, we're close to or at the age when the insurance companies think we'll open a claim. That parent should have considered LTC funding options at 50 or 55. But 50 and 55 year olds too often believe we'll be in the same health mentally and physically at 75 or 80, and that's usually not the case. We need to plan for this WAY before that need shows up. Parents who waited too long must encourage their kids to plan now so this doesn't turn into a never ending cycle of kids spending all of their time and money providing for parents and then not being able to provide for themselves later, depending on their kids' time and money, etc. I promised links to learn more about Medicaid. This link shows what each state let's us keep to be financially eligible for Medicaid benefits: This link shares how each state qualifies an individual for Medicad benefits: Schedule with me to start working on your plan to protect your family, assets and choices and avoid being told where to live by the state.
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Please share this with someone you love
02/12/2026
Please share this with someone you love
Many people inquire about LTC insurance and unfortunately get incorrect or incomplete information. This is why it's important to work with a LTC Planning Specialist, like me, who studies this continually. Years ago, there were a lot more companies offering LTC insurance, but all the plans looked and worked very similarly. Today, there are less companies offering this insurance, but these companies are each offering more unique ways to design and fund plans to meet more needs. Listen to these podcast episodes and arm yourself with the questions you need to ask when designing your plan. You deserve to understand why an advisor or insurance agent is or is not offering you a plan to protect your family, assets and choices. Reach out to me to schedule time to learn more and start to design your plan Ask me a question by scheduling
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7.8 Million professional caregivers needed in next 25 years!
02/05/2026
7.8 Million professional caregivers needed in next 25 years!
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 we won't force our famly members to exhaust themselves. You can view current (2024) and estimate future cost of care where you live 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 for when it is online again Schedule a meeting with me
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Guest Interview: Jason Dutra shares Worksite LTC case study 4 employees
01/29/2026
Guest Interview: Jason Dutra shares Worksite LTC case study 4 employees
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 remember to request me as your specialist. I look forward to helping you protect those you care about most.
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What is discussed in our first meeting?
01/22/2026
What is discussed in our first meeting?
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 both your assets and your family. You can view current (2024) and projected costs of several types of care where you live A 2025 update will be released in March, 2026. You can schedule a phone or zoom meeting with me I look forward to meeting you and helping you to protect those you care about most.
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