#314 - Hybrid Long-Term Care Insurance Explained

Today as we close out the long term care planning month, Steve Cain returns to the show to discuss hybrid long-term care insurance policies. On the previous episode (#313), Steve Cain gave us the key facts about traditional long-term care insurance and today we explore some alternatives to the traditional long-term care insurance route. This episode will help you understand different options in the long-term care insurance realm. I’ll also answer some listener questions and have our retirement coach, B.W., help us think about what to do when you are in the role of caregiver.

PodcastsRoger WhitneyFebruary 26, 2020Steve Cain, insurance, long-term care

#313 - Traditional Long-Term Care Insurance Key Facts

You may know that I am not a fan of traditional long-term care insurance. But that is why we are exploring this topic together. It is important for me to reexamine my biases periodically to see how they hold up. On this episode of Retirement Answer Man, Steve Cain, from LTCI joins me to examine traditional long-term care insurance. I have plenty of questions for him so that we can learn how traditional long-term care insurance works and examine our own risks. Join me by listening to this conversation to learn more about long-term care insurance so that you’ll have the tools to determine if it is right for you.

PodcastsRoger WhitneyFebruary 19, 2020Steven Cain, insurance, long-term care

#312 - Mitigating Your Long-Term Care Risk with Dr. Marc Milstein

There is a 50% chance that you’ll need long-term care at some point in your future so let’s learn how to mitigate your long-term care risk. Sure, you can always try the long-term care insurance route, but with it being an emerging industry, the underwriting doesn’t have enough data to provide the insurance that you need at a consistent cost you can afford. Long-term care insurance policies still aren’t as robust as home owner’s insurance policies. If you plan to self-insure against long-term care you’ll need to know the risk factors and what your personal risk of needing this type of costly care will be.

PodcastsRoger WhitneyFebruary 12, 2020insurance, long-term care, Marc Milstein

#214 - Healthcare Before Medicare: Part-time Work With Benefits

Learn more about which companies are the best for part-timers to receive healthcare benefits as well as whether COBRA may be a good option for your healthcare coverage needs. Listen in to gain more knowledge about how to maneuver our complex medical insurance system.

PodcastsRoger WhitneyMarch 28, 2018pretirement, insurance, medicare, COBRA

#213 - Healthcare Before Medicare: Getting Creative

If you are thinking of retiring before retirement age or simply interested in insurance alternatives you will want to see if this is a good option for you. Listen to this episode as we explore all the options on how to get healthcare before Medicare.

PodcastsRoger WhitneyMarch 21, 2018medishare, insurance, medicare

#212 - Healthcare Before Medicare: ACA and COBRA

The whole point of this series is to help you guys (and myself) figure out how to afford medical insurance before Medicare kicks in. So grab your headphones and a pen and paper to take notes because you’ll want to take in all the information you can in this important episode on the ACA and COBRA.

PodcastsRoger WhitneyMarch 14, 2018ACA, COBRA, healthcare, insurance

#211 - Healthcare Before Medicare: My Wife Quit Her Job!

If you are one of the 67% of Americans that retire before the age of 66, or even if you are part of the 100% of Americans that are confused about the insurance system then you will want to listen to this episode and the whole series to come about insurance before Medicare.

PodcastsRoger WhitneyMarch 7, 2018medicare, healthcare, insurance, ACA

How much insurance is too much before you retire?

In today’s podcast I’ll take you through a three a 3 step framework to determine how much insurance you need.

blog postRoger WhitneyJuly 10, 2017insurance

#121 - What You Should Know About Risk Management and Insurance

Risk management is the way in which you assess the amount of risk to your financial portfolio and life that exists, and what you’re going to do about it. Let’s talk about it today.

PodcastsRoger WhitneyJune 1, 2016risk management, insurance

How Do I Choose Long Term Care Insurance? [Worksheet]

"How do I choose long term care insurance?" is question many baby boomers are wondering as they near retirement. This week, I've added a worksheet to the Retirement Answer Library to give you the basics. You can access it here.

blog postRoger WhitneyOctober 2, 2014insurance

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