Poor decisions when planning cause BIG problems later

Poor decisions when planning cause BIG problems later

Author: Diane Stoddart, Certified Long Term Care Consultant, CLTC October 9, 2025 Duration: 12:05
Preparing For Tomorrow podcast
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This week, after hearing from a client who wishes she would have bought more insurance a decade ago, Diane shares decisions that others have made in the past and now regret it. These people, if they had thought through their decisions before making them, could have ended up with much better outcomes. When planning to provide for ourselves and protect our families, we need to take action. And we need to not skip the small things. The small things in these stories would have made all the difference. We all have a plan for our own future long term care needs. Some will just let things happen and will end up being "put" somewhere. Those who proactively seek solutions end up with much better choices later on. You can view both current and projected costs of home care, assisted living, and nursing home care where you live or plan to live here I recommend you use 5% inflation on care as that's what we've seen for three decades. Then schedule a phone or zoom meeting to start designing your plan here Then you'll be Prepared for Tomorrow!!!

Diane Stoddart brings a professional yet deeply personal perspective to the complex world of long-term care planning in Preparing For Tomorrow podcast. As a Certified Long Term Care Consultant, she understands that preparing for future care needs involves more than just finances-it's about safeguarding your family's well-being and peace of mind. Each conversation cuts through the industry jargon to clarify the real options available, from insurance products to legal strategies, all aimed at protecting your life savings from being depleted by unexpected care costs. You'll hear Diane break down essential concepts and terms, making a daunting subject feel manageable and urgent. Alongside expert guests, she explores the emotional and physical dimensions of caregiving, offering a holistic view that acknowledges the full weight of these decisions. This isn't about fear; it's about empowerment through knowledge. Tuning into this podcast provides a straightforward guide to creating a practical plan, ensuring you can face tomorrow with confidence rather than anxiety, knowing your loved ones and your legacy are secure.
Author: Language: English Episodes: 100

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Guest interview: Lynda Krueger with Owl Be There Tampa [not-audio_url] [/not-audio_url]

Duration: 21:01
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 gui…
Gio wants a plan that does EVERYTHING and more [not-audio_url] [/not-audio_url]

Duration: 11:18
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 ben…
Do I need to use the whole benefit every month? [not-audio_url] [/not-audio_url]

Duration: 11:18
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 Ever Get Depressed Talking about This Stuff? [not-audio_url] [/not-audio_url]

Duration: 11:27
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…
We made it through Milton and are feeling blessed [not-audio_url] [/not-audio_url]

Duration: 3:14
Thank you for all the phone calls and messages asking how we are doing. Our home is fine. No damage and no flooding. We didn't lose power. Lots of branches to clean up, and the last two days we've been putting all the st…
We're in Tampa and are staying here throuh Milton [not-audio_url] [/not-audio_url]

Duration: 1:30
Just a quick update. We're ok so far. Hoping for a Cat 3 or less when it hits, likely a little south of us so we'll get a lot of rain. Presuming all goes as well as can be, I'll update you all on Friday.
Why & when would an insurance company not approve and pay a claim? [not-audio_url] [/not-audio_url]

Duration: 16:30
To answer this question, I need to first share why and when LTC insurance companies are required to approve and pay a claim, and then I'll discuss where this can get confusing or messed up. LTC insurance companies are st…

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