Preparing For Tomorrow podcast

This week, I interviewed Lynda Krueger with Owl Be There Tampa.  Owl Be There isn't a quick referral by zip code resource.  Or a DIY search through Google. Lynda and her associate improve the lives of seniors with wise guidance around senior living and care. Lynda shares the details of what it takes and how she works t

There are so many ways to design a long term care plan.  However, different planning strategies offer their own unique benefits. For example, LTC Partnership Protection is only available on stand-alone LTC plans. Cash benefits and return of premium options are stronger with hybrid life/LTC and annuity /LTC plans. We wi

Lisa asked if LTC insurance requires us to use the whole benefit every month or can we use less and stretch the benefit period to pay longer. The answer is "that depends". What kind of plan do you have? What kind of care do you need? Where are you living to receive care? Who will be helping you? Listen and schedule wit

This week, a client emailed me an article from Moneywise's retirement section that discussed Medicaid estate recovery. Read the article here -  The reason we plan is so that Medicaid won't take our house or impoverish our family. This link shows what different states let us keep and still qualify for Medicaid to pay fo

I promise I'll start talking numbers and cases again next week. We made it through the storms and things are almost normal in our community. This week, I received a question about me rather than about long term care, and I felt the need to answer. Do I get depressed talking about getting old or getting sick all day lon

I an still catching up after two hurricanes came through Florida this month,m so I am replaying this episode from August 10, 2021.  Kristina asks about mistakes people make or things people fail to consider when planning for future long term care needs. There are several, but three stand out to me as I have worked too