Podcasts about long term care

Send us a textThe COVID-19 pandemic exposed a harsh truth about Ontario's long-term care homes: many were woefully understaffed, a factor that helped fuel the rapid spread of the deadly virus.Doug Ford's government promised a major overhaul, including this key goal: by the end of 2024-25, LTC homes would have enough staff that each resident would receive an average of at least four hours a day of direct “hands-on care” from nurses and personal support workers (PSWs).As it worked toward that goal, the government crunched the numbers and regularly disclosed the provincial average. Although Ontario just missed its final target — recording an average of 3 hours and 49 minutes of hands-on care in the fourth quarter of the 2024-25 fiscal year — it exceeded the four-hour mark the following quarter.But data on individual homes' performance has not been made public. Until now.The Trillium, Village Media's bureau at Queen's Park, obtained the internal government data via a freedom of information request. The exclusive report includes a searchable tool that anyone can use to access the data regarding their local long-term care homes.Jessica Smith Cross, editor-in-chief of The Trillium, is our guest on tonight's episode of Closer Look.Along with her investigative report, we also talk about The Trillium's ongoing crowdfunding campaign related to the Ford government's Skills Development Fund (SDF). You can find out more about that project HERE and HERE.Hosted by Village Media's Michael Friscolanti and Scott Sexsmith, and produced by Derek Turner, Closer Look is a new daily podcast that goes way beyond the headlines with insightful, in-depth conversations featuring our reporters and editors, leading experts, key stakeholders and big newsmakers.Fresh episodes drop every Monday to Friday at 7 p.m. right in your local news feed — and on the show's dedicated website: closerlookpodcast.ca. Of course, you can also find us wherever you get your favourite podcasts.Want to be the first to know when a new episode lands? Sign up for our free nightly newsletter, which delivers the latest Closer Look straight to your email inbox. You can also subscribe to our YouTube channel

In this week's episode, hosts Milan Mammen and Kelly Wang interview Denise Bedard, a PhD candidate in Health and Rehabilitation Sciences (Health and Aging). Denise shares with us her immense professional and academic experience in long term care, including reimagining person-centered care in small home service areas. Denise also kindly shares the difficult lessons learned about long term care through the COVID pandemic and its many impacts, especially on older adults in long term care; please consider this a content warning if this is a particularly sensitive subject for you. Denise is part of the Caregiving Research (CARE) Lab at Western University.   Recorded on Tuesday, November 18, 2025. Produced by kirstyn seanor. Theme song provided by FreeBeats.io (Produced by WhiteHot).

The 2026 income cap for long-term care Medicaid is projected to increase. This article discusses how one can plan if their income exceeds the limit.

Kelley discusses the importance of having a comprehensive retirement plan that considers longevity, income streams, healthcare costs, and inflation. She emphasizes the need for strategic planning to avoid common mistakes, such as underestimating life expectancy and relying solely on Social Security. Kelley also addresses year-end financial strategies, including required minimum distributions and Roth conversions, and answers listener questions about annuities and investment strategies. Reach Kelley at 800-810-8060. California Wealth Advisors www.californiawealthadvisors.com See omnystudio.com/listener for privacy information.

Marty covers vital moves to consider before the end of the year including tax loss harvesting, Roth conversations, Qualified Charitable Distributions, RMD strategies, and not losing out on Flexible Spending Accounts. He also lays out the facts on longevity and how to remove the risk from “longevity risk.” The discussion then moves to strategic giving at the end of the year. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

November marks National Long‑Term Care Awareness Month — an ideal time for a proactive, no-fear conversation about long-term care (LTC) planning, the risks Americans face if they wait, and how to incorporate LTC strategies into a comprehensive financial plan. In this episode, Ryan and Alex will dig into the latest statistics on LTC need and cost, explore key misconceptions, and provide actionable steps individuals and families can take now to protect their future, preserve assets, and reduce the burden on loved ones. Whether you're in your 40s, 50s or planning for retirement, this episode will equip you with knowledge and questions to ask — because when it comes to long-term care, the best strategy is having one.

 Meet with us: http://talkwithjlp.com

On episode 531 of The Nurse Keith Show nursing and healthcare career podcast, Keith interviews Danine Bitting, RN, RAC-CT, a Clinical Compliance Specialist with Friends Services Alliance Compliance Collaborative, and Maria Kiwagama, MSN/MHA, CDP, CNDLTC, the Director of Nursing of Barclay Friends' Continuing Care Retirement Community in West Chester, PA. In the course of their conversation, Keith and his guests discuss the Friends Services Alliance Compliance Collaborative's program that supports and mentors Directors of Nursing of skilled nursing and long-term care facilities in order to assure their success as leaders, not to mention the ultimate success of the facilities which they helm. Danine Bitting is a Clinical Compliance Specialist with Friends Services Alliance Compliance Collaborative (FSA), in Blue Bell, Pennsylvania. FSA provides a spectrum of services for the nonprofit senior living industry. Danine has over 25 years of experience in long-term care, with a strong focus on enhancing the quality of life for residents and driving meaningful change in clinical systems. As a former Director of Nursing, Danine led two 5-STAR, non-profit facilities with goals to improve resident life and care via Person Centered Care and developing realistic systems. Danine has worked closely with two hospital networks in the Preferred Provider Network (PPN) to improve resident care following hospitalization and reduce re-hospitalizations.  Maria Kiwagama is a seasoned nursing professional with over a decade of experience in clinical management, quality improvement, and nursing education. She currently serves as the Director of Nursing at Barclay Friends, a not-for-profit Kendal Affiliate that provides compassionate, home-like care for older adults. In her role, Maria oversees nursing operations across Barclay Friends' Continuing Care Retirement Community, which includes two long-term care units, two memory care units, and a Personal Care unit. She is responsible for ensuring high-quality resident care, regulatory compliance, and effective coordination of the nursing staff within the skilled nursing department. Before joining Barclay Friends, Maria spent six years at Waverly Heights, a Life Plan Community in Gladwyne, Pennsylvania, where she held roles as Nurse Manager and RN-Assessment Coordinator. She is a Certified Dementia Practitioner and holds additional certifications in Wound Care and Infection Control and Prevention. Maria recently earned a dual master's degree in Nursing Leadership and Healthcare Administration and is currently completing an Administrator in Training (AIT) program, further strengthening her leadership in long-term care. Connect with Friends Services Alliance and Barclay Friends: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Friends Services Alliance FSA on LinkedIn Barclay Friends Continuing Care Barclay Friends on Facebook Barclay Friends on LinkedIn Barclay Friends on Instagram Contact Nurse Keith about holistic career coaching to elevate your nursing and healthcare career at ⁠⁠⁠⁠NurseKeith.com⁠⁠⁠⁠. Keith also offers services as a motivational and keynote speaker and freelance nurse writer. You can always find Keith on⁠⁠⁠⁠ LinkedIn⁠⁠⁠⁠. Are you looking for a novel way to empower your career and move forward in life? Keith's wife, Shada McKenzie, is a gifted astrologer and reader of the tarot who combines ancient and modern techniques to provide valuable insights into your motivations, aspirations, and life trajectory, and she offers listeners of The Nurse Keith Show a 10% discount on their first consultation. Contact Shada at ⁠⁠⁠⁠TheCircelandtheDot.com ⁠⁠⁠⁠or shada@thecircleandthedot.com.

Most federal employees never take advantage of one of the best tax-saving tools available to them: the Health Savings Account (HSA). In today's episode, Christian breaks down why HSAs are one of the most powerful and underutilized benefits in the FEHB system.

In this episode, we interview Paul Morrison, an IRMAA-certified planner from Lincoln, Nebraska. They discuss the impact of IRMAA (Income Related Monthly Adjustment Amount) on retirees' Medicare premiums and Social Security benefits, highlighting how rising taxable income can trigger higher costs. Paul explains the complexities of IRMAA, the importance of proactive tax planning, and strategies like Roth conversions to minimize surcharges. The conversation also covers Medicare Advantage, the “widow's penalty,” and the need for better financial education. The episode blends personal stories with practical advice for navigating retirement's hidden tax challenges.(03:25) – From College Athletes to Retirees(04:10) – What Is IRMAA?(06:00) – The Tax Trigger(10:20) – How the Brackets Are Set(13:40) – Tax Planning & the SSA-44 Form(19:45) – Medicare Advantage & IRMAA(23:15) – Strategies to Reduce IRMAA(25:55) – The Widow's Penalty(29:06) - Long-Term Care, RMDs, and IRMA(31:21) - IRMA Certification Details(34:57) - Roth Conversions and Standard DeductionNEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-pageFollow Us: youtube: / @9icapLinkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428facebook: / mlb2cfpBuy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4Website: http://www.9icapitalgroup.comHit the subscribe button to get new content notifications.Corrections: Editing by http://SwoleNerdProductions.comDisclosure: https://sites.google.com/view/9idisclosure/disclosure

Ethan Glasgow explores how to stay calm when markets get turbulent and why emotional discipline is key to long-term success. He shares practical strategies for retirement planning, tackling inflation risks, Social Security concerns, and the fear of outliving your savings. Discover why trusting the process and working with a financial professional can help you navigate uncertainty with confidence. As the founder of Ashton and Associates, Abe Ashton has more than 20 years of financial planning experience helping thousands of families in Utah, Nevada, and across the country retire with confidence. Abe’s mission is to provide client-focused education and solutions to seniors and retirees, that help them achieve the retirement they’ve worked so hard for. To get more information on Ashton & Associates, or to schedule a consultation call, 435-688-9500 or visit AshtonWealth.com See omnystudio.com/listener for privacy information.

In this episode of the Smart Wealth & Retirement Podcast, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions dive deep into one of the most important — and often misunderstood — parts of retirement planning: long-term care. They break down what long-term care really means, how it fits into a retirement plan, and the pros and cons of having insurance versus self-funding. Jim and Casey explore the emotional and financial impact of care decisions, discuss the difference between traditional and hybrid policies, and share real-life examples from clients who've faced these challenges firsthand. Whether you're in your 50s, nearing retirement, or already retired, this episode offers practical insight into protecting your assets and your loved ones while maintaining peace of mind. http://retirewithmartin.com/ ← Learn about working with us www.planwellretirehappy.com Episode Breakdown 00:00 – Introduction: Why long-term care planning matters 02:12 – What “long-term care” actually covers 04:05 – How rising healthcare costs affect retirees 06:14 – Why planning early can make a big difference 08:02 – The pros of long-term care insurance 10:26 – Common drawbacks and misconceptions 12:45 – Comparing traditional vs. hybrid policies 15:04 – When self-funding may make more sense 17:10 – How long-term care can impact your income plan 19:22 – Real-life client examples and lessons learned 23:02 – Key takeaways and next steps Disclosure Opinions expressed herein are solely those of Martin Wealth Solutions, unless otherwise specifically cited. Material presented is believed to be from reliable sources, but no representations are made by our firm as to another parties' informational accuracy or completeness. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that any statements, opinions or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation. Past performance may not be indicative of future results. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.

Join us for part two of a conversation with long-term care residents. In spring 2025, Consumer Voice conducted a nationwide survey of residents to learn what daily life is like in their facilities. The questions ranged from whether residents feel they are treated with dignity and respect to how appealing their meals are, and everything in between. In part two of this podcast, we discuss the survey results and explore key themes with the residents themselves, who serve on Consumer Voice's Consumer Advisory Council. They share their thoughts and experiences on what it's like to live in long-term care in 2025 and offer valuable advice on how they advocate for themselves and others.

Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book Want to schedule a consultation? Click here: https://app.hawsfederaladvisors.com/whatservicemakessense I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.

November is Long-Term Care Awareness Month - which makes it a perfect time to tackle one of the most overlooked yet critical aspects of financial planning. In this episode of Something More with Chris Boyd, Jeff Perry, and Russ Ball join Chris to discuss the real challenges families face when long-term care becomes necessary. From understanding what long-term care really means, to the staggering costs, insurance options, and the impact on your financial security, we break down what you need to know to prepare wisely. Do not ignore this risk as 70% of retirees will need some form of care. Tune in for practical insights and strategies to protect your wealth and peace of mind. #LongTermCare #FinancialPlanning #RetirementPlanning #WealthManagement #Insurance #CareCosts #AgingWell #FinancialSecurity #ChrisBoyd #SomethingMorePodcast #MoneyMatters #RiskManagement For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/advisor-teams/amr-team  

In this conversation, Kelley Slaught discusses essential financial truths and strategies for individuals nearing or in retirement. She emphasizes the importance of having a written financial plan, understanding inflation and tax implications, and preparing for longevity. The discussion also covers practical steps for financial success, common retirement planning questions, and answers to listener inquiries, providing a comprehensive overview of retirement planning essentials. Reach Kelley at 800-810-8060. California Wealth Advisors www.californiawealthadvisors.com See omnystudio.com/listener for privacy information.

In this conversation, Marty emphasizes the necessity of having a retirement plan and outlines five essential steps to initiate the planning process. He discusses the importance of financial security and offers insights into effective investment strategies for retirement savings. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

Many people think they're asking the right questions about retirement- but the way those questions are framed often leads to incomplete or even misleading answers. In this episode, Jude breaks down the most common questions he hears and shows how a simple reframing can uncover clearer strategies and more confident retirement decisions. Better questions lead to better answers… and better answers build better retirements.   Here's some of what we discuss in this episode: ❓ Smarter Questions: why reframing your thinking improves planning

Did you know 70% of adults age 65 will need long-term care in their lifetime. 20% will require LTC for more than 5 years. Roger Cantu with OneAmerica join us this week as our special guest to share some shocking statistics about Long-Term Care and offers some creative solutions.

Ethan Glasgow dives into why emotional control is critical during market volatility and shares actionable strategies for building a secure retirement plan. From mitigating inflation risks to understanding Social Security, he addresses common fears about outliving your savings. Discover why trusting the financial planning process and working with a professional can help you navigate uncertainty with confidence. As the founder of Ashton and Associates, Abe Ashton has more than 20 years of financial planning experience helping thousands of families in Utah, Nevada, and across the country retire with confidence. Abe’s mission is to provide client-focused education and solutions to seniors and retirees, that help them achieve the retirement they’ve worked so hard for. To get more information on Ashton & Associates, or to schedule a consultation call, 435-688-9500 or visit AshtonWealth.comSee omnystudio.com/listener for privacy information.

John has lived in this business for a while, 30 years fighting the Wall Street battle! Born and raised in beautiful Michigan with a close family that he loves and cherishes. They spend a great deal of time together travelling and love visiting their family cottage in up north of Michigan. One of his truly favorite spots is mystical Mackinaw Island. Being an avid animal lover and protector, he will soon provide a sanctuary for animals that need love and a safe home. This will be in memory of my “ex-partner” and beloved friend, Bambi, whom he rescued and went everywhere with me in my travels. In my business model, John works in many states but primarily the Michigan and Ohio areas, fighting for his students and clients from the stock market insanity.“Emotions run the market,” and I have learned from all those emotions from all my students through the years!Learn More: https://www.safeestate.net/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-john-badalamenti-founder-ceo-of-safe-estate-discussing-long-term-care

John has lived in this business for a while, 30 years fighting the Wall Street battle! Born and raised in beautiful Michigan with a close family that he loves and cherishes. They spend a great deal of time together travelling and love visiting their family cottage in up north of Michigan. One of his truly favorite spots is mystical Mackinaw Island. Being an avid animal lover and protector, he will soon provide a sanctuary for animals that need love and a safe home. This will be in memory of my “ex-partner” and beloved friend, Bambi, whom he rescued and went everywhere with me in my travels. In my business model, John works in many states but primarily the Michigan and Ohio areas, fighting for his students and clients from the stock market insanity.“Emotions run the market,” and I have learned from all those emotions from all my students through the years!Learn More: https://www.safeestate.net/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-john-badalamenti-founder-ceo-of-safe-estate-discussing-long-term-care

The moment a loved one lands in long‑term care, everything feels urgent and unclear. We've been there—rushed discharges, impossible forms, promises that don't match reality—and we wanted a straight answer on what legal accountability looks like when neglect or abuse causes real harm. That's why we sat down with elder abuse attorney Anthony Lanzone to map the path from pain to action without sugarcoating the struggle.In Episode 113, we talk about why nursing home cases are so hard, what families can realistically expect, and how accountability actually happens. We share the steps to document harm, find the right lawyer, and protect your peace of mind while you pursue justice.• systemic barriers that shield long-term care providers• why elder neglect requires proof beyond simple negligence• how damages caps shape which cases lawyers can take• settlements versus trials and real risk trade-offs• punitive damages and when they apply• CMS liens and how they reduce awards• practical steps to document abuse or neglect• where to file complaints if you cannot sue• why memorializing misconduct still mattersContact Anthony Lanzone:  Email: mycase@www.lanzonemorgan.comPhone: 888-887-9777LINKEDIN#LoveConquersAlz, #ElderCare, #ElderLaw, #NursingHomeReform, #ElderAbuseAwareness, #SeniorAdvocacy, #LongTermCare, #JusticeForOurElders, #PeopleOverProfit, #HealthPodcast, #AdvocacyPodcastSupport the showNo Country For Old People; a Nursing Home Exposé is STREAMING NOW on Amazon Prime (https://www.amazon.com/gp/video/detail/B0F7D1RR5X/ref=atv_dp_share_cu_r) Please watch. Review. Share. Be a ROAR-ior!! JOIN THE R.O.A.R. MOVEMENT for quality long term care! Visit the No Country For Old People Website for more information.YOU CAN ALSO SUPPORT THE ABSOLUTELY CRUCIAL PROMOTION OF OUR DOCUMENTARY "NO COUNTRY FOR OLD PEOPLE" BY MAKING A TAX DEDUCTIBLE DONATION THROUGH THE NATIONAL CONSUMER VOICE HERE Follow us on Twitter, FB, IG, & TiK Tok

This week's blogpost - https://bahnsen.co/47EvNQc Navigating Long-Term Care: Get It or Forget It? In this episode of the Thoughts and Money Podcast, hosts Trevor Cummings and Blaine Carver dive into the complexities of long-term care insurance. They discuss the increasing relevance of long-term care conversations among younger clients, especially those in their late forties and fifties. They explore the financial and emotional considerations of securing long-term care insurance, the impact of healthcare costs, and how these decisions affect a comprehensive financial plan. The episode also covers the evolution of long-term care policies, the pitfalls of older policies, and the importance of proactive planning. Whether self-insured or seeking coverage, understanding the nuances of long-term care can help mitigate future financial risks. 00:00 Introduction to the Podcast 00:16 Inspiration Behind the Article 01:12 The Sandwich Generation 02:13 Insurance and Risk Management 03:57 The Reality of Long-Term Care 06:46 Challenges with Long-Term Care Insurance 10:20 Hybrid Insurance Policies 13:45 Statistics and Financial Planning 17:22 Understanding Self-Insurance 18:28 Gender Differences in Long-Term Care 19:16 The Importance of Financial Planning 21:02 Personal Experiences with Long-Term Care 23:38 Risk Management and Insurance 27:13 Asset Allocation and Long-Term Care 32:35 Concluding Thoughts and Recommendations Links mentioned in this episode: http://thoughtsonmoney.com http://thebahnsengroup.com

Episode notesHumility & grace: distinct muscles that work best togetherThe no-call/no-show that wasn't: correcting assumptions with careDisagreeing without demeaning: honesty rooted in respectModeling connection: Scott moving furniture in dress shoes; a father's everyday compassionIntegrity = what we do when no one's watchingDaily habit: know your “bliss,” reset with people, then re-enter the workListener reflection: Where can you swap a snap judgment for a curious check-in today?

bestinsuranceplanning.com

#|ThisMorning | #What #ToDo #About the #Rise in #LongTermCare #Rates | Phillip Snyder, CLU, The Warner Companies | #Tunein: broadcastretirementnetwork.com | #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #wellness

Send us a textIn this episode of the Tracheostomy Education Podcast, Nicole DePalma and Dr. Jerry Gentile speak with Gene Gantt, president of Eventa, about the challenges and innovations in respiratory care for patients with tracheostomy and mechanical ventilation, particularly in long-term settings. They discuss the development of outcomes-based reimbursement models, the issues surrounding weaning patients from ventilators, and the financial incentives that often hinder quality care. The conversation also touches on the competition between nursing homes and long-term acute care hospitals, as well as the often neglected area of tracheostomy care in nursing facilities.Support the showhttps://tracheostomyeducation.cominstagram.com/tracheostomyeducationlinkedin.com/in/nicole-de-palma-708b16blinkedin.com/in/dr-jerry-gentile

Hans and Robby are back again this week with a brand new episode! This week, they discuss lifetime income annuity w/ enhanced long-term care benefit.  Don't forget to get your copy of "The Complete Cardinal Guide to Planning for and Living in Retirement" on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com. Find us on YouTube: Cardinal Advisors.

Lily Vittayarukskul shares her remarkable journey from working at NASA in her teens to founding a company that innovates with AI to transform long-term care planning. We explore why long-term care remains one of the most misunderstood and underserved areas in wealth management, despite being one of the biggest retirement risks. We break down how long-term care works, who needs it most, the pros and cons of self-funding versus insurance products, and why many families fail to plan until it's too late. We discuss... Lily Vittayarukskul shared her early fascination with aerospace engineering, including work recognized at age 12 and a role at NASA's JPL by 16. A personal long-term care event in her family at age 16 prompted her pivot from aerospace to healthcare. She built technical expertise in genetics and AI at Berkeley before founding a company focused on long-term care solutions. The ideal candidates for long-term care planning are typically 40–60 years old, upper-middle-class individuals with $2–5 million in assets. Many financial professionals avoid long-term care due to its complexity, morbid nature, and time-consuming conversations. Traditional long-term care policies and hybrid/lump-sum products each have advantages depending on individual circumstances and predicted care needs. Self-funding long-term care is an option, but many clients are risk-averse and ultimately prefer a structured insurance plan. Lily's company uses decades of data to predict long-term care events and costs, helping advisors map policies to individual client needs. Long-term care planning is as much about protecting family members and legacy as it is about financial strategy. Conversations about long-term care should start with a professional, involve spouses, and eventually include children or trusted family members. Many clients struggle with the emotional and logistical burdens of caregiving, which can impact their own health and quality of life. The topic is often avoided culturally because it forces acknowledgment of aging, mortality, and potential loss of autonomy. Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Douglas Heagren | Mergent College Advisors   Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter: https://twitter.com/MTIPodcast For more information, visit the show notes at https://moneytreepodcast.com/transform-long-term-care-lily-vittayarukskul-762 

In this episode, The Annuity Man discussed:  Choosing guarantees over speculation Knowing your "PILL" for protection Building your income floor Balancing risk with security   Key Takeaways:  Crypto investments are like rolling dice, while annuities provide contractual guarantees and predictable results. Building financial security means focusing on what you can count on, not what you can guess. The four reasons for owning an annuity are Principal Protection, Income for Life, Legacy, and Long-Term Care. These act as anchors for stability when market uncertainty rises. Social Security and pensions already provide a guaranteed income. Evaluating whether you need more ensures that your financial base remains steady even when the markets shake. Instead of chasing bonuses or hypothetical returns, consider moving some assets from high-risk areas like crypto into products with clear, guaranteed outcomes.   "You own an annuity for what it will do, not what it might do. The 'will do' is the contractual guarantees of the policy." —  Stan The Annuity Man   Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator! 

This week Angela discusses the importance of long-term health care planning. She shares statistics about the likelihood of needing long-term care and the associated costs, emphasizing the need to create a comprehensive plan that goes beyond just financial aspects. Key Takeaways

In this episode of The Broker Link, Cristal Bustillos from The Brokerage Inc. highlights the importance of Long-Term Care Awareness Month and why every advisor should be helping clients prepare for future care needs. Crystal discusses the rising costs of nursing homes and assisted living facilities and explains that Medicare and Medicaid offer limited coverage, leaving many families unprepared for the financial and emotional burden of long-term care. She shares practical solutions like long-term care insurance and life insurance policies with LTC riders, which can help clients maintain their financial security and personal dignity as they age. Crystal also encourages agents to continue their education by: Attending training sessions and webinars Using tools like the Cost of Care Calculator Completing long-term care certification courses Reviewing product guides and available resources As the year comes to a close, she reminds agents that December is the perfect time to tie up loose ends and plan ahead for a successful new year. Learn more about partnering with The Brokerage Inc. by visiting our website, www.thebrokerageinc.com. Remember to like, share, and subscribe to our show!  New episodes are available every Tuesday. Join our Community! LinkedIn: https://www.linkedin.com/company/the-brokerage-inc-/   Facebook:  https://www.facebook.com/thebrokerageinc/  Instagram:  https://www.instagram.com/thebrokerageinc/  YouTube:  https://www.youtube.com/@TheBrokerageIncTexas  Website:  https://thebrokerageinc.com/ 

Send us a textWhen it comes to caregiving and aging, anxiety is a silent but ever-present companion. Whether you're supporting a loved one or navigating your own transition into later life, the emotional toll can be immense. Kelly sits down with Bonnie Brindle—psychotherapist, author, transformational coach, and self-proclaimed “Anxiety Avenger”—to explore the unique challenges of anxiety in senior care and practical strategies for both caregivers and older adults.Drawing from her own journey through debilitating panic disorder and agoraphobia, Bonnie shares not just clinical wisdom, but lived experience. We dive deep into the actionable tips so you or those you care for can move toward calmer, healthier days.For additional information about Kelly, check her out on Linkedin or www.SteadfastAgents.com. To explore your options for long-term care insurance, click here. Steadfast Care Planning podcast is made possible by Steadfast Insurance LLC, Certification in Long Term Care, and AMADA Senior Care.Come back next time for more helpful guidance!

This week on Next Steps 4 Seniors: Conversations on Aging, Wendy sits down with Brooke Acre - independent financial advisor, NFLPA-certified planner, and long-term care expert to talk about the one topic everyone avoids until it’s too late: long-term care planning. Brooke brings 20+ years of experience and a whole lot of heart as she breaks down: Why 70% of people will need care as they age Why Medicare doesn’t cover what most families assume it does How to avoid the financial and emotional crisis that blindsides families The #1 mistake people make with traditional LTC policies (and how to avoid it) A modern approach to LTC planning that protects both spouses, preserves assets, and even leaves a legacy Real-life stories that show exactly why planning early matters Wendy and Brooke also unpack the tough questions families fight about: Who makes the decisions? Where does the care happen? How do you pay for it? And what happens when siblings disagree? If you want peace of mind instead of panic mode, this episode is an eye-opener. Connect with Brooke:

On this week's Money Matters, Scott and Pat tackle three critical financial planning decisions for high-net-worth investors. First, they break down whether it's better to self-insure for long-term care or rely on costly, often restrictive hybrid policies. Next, they explain how to rebalance an inherited portfolio, especially when legacy holdings no longer align with your goals or risk tolerance. Then, they dive into how to finance a vacation home wisely—weighing the risks of portfolio loans, capital gains exposure, and over-leveraging in retirement. You'll also hear a sharp analysis of gold's recent surge—and why emotional investing often backfires. Packed with real-life caller scenarios and expert financial guidance, this episode is a must for anyone focused on smart wealth management, legacy planning, and minimizing risk. Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.

How to remove funds from an Inherited IRAShould you get Long Term Care InsuranceWhat are Qualified DividendsNew Rules for 401k (catch-up only in ROTH starting in 2026)Ronald Reagan on free Trade

#ThisMorning | #LongTermCare #Cost #Lessons for #Policy Makers | Lynn White, CareScout | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #Wellness

In this inspiring episode, AgingIN CEO Susan Ryan sits down with Erin Hart and Peter Murphy Lewis, who share how they're transforming perceptions of long-term care through storytelling and authentic human connection. Erin, who has spent 13 years in long-term care and now works with the Ohio Health Care Association, describes how growing up across the street from her grandmother shaped her lifelong dedication to caregiving. Her personal story and professional mission intersect in powerful ways—advocating for caregivers and restoring pride in their work. Peter, whose childhood experiences with his grandparents' caregivers left a lasting impression, brings his background in media and storytelling to the eldercare space. His documentary series, "People Worth Caring About," captures genuine caregiver stories that highlight the dignity, skill, and heart within the profession. In addition to discussing the power of storytelling to move hearts and reshape cultural narratives about aging and care, Erin and Peter highlight how authentic stories can do what data alone cannot—inspire empathy and drive change. Learn more about the docuseries here: https://peopleworthcaringabout.com/home. Please visit our website at : https://aginginnovation.org Thanks to Amba our sponsor: https://www.ambahealth.com/

Tim Stearns, owner and president of TJ Stearns Financial Planning & Benefits, joins Jon Hansen to discuss long-term care needs. Tim talks about how it can get overlooked when creating a financial plan and the importance of thinking about beneficiaries. For more information, call 800-640-2256.

In spring 2025, Consumer Voice conducted a nationwide survey of long-term care residents to learn what daily life is like in their facilities. The questions ranged from whether residents feel they are treated with dignity and respect to how appealing their meals are, and everything in between. In this two-part podcast, we discuss the survey results and explore key themes with the residents themselves, who serve on Consumer Voice's Consumer Advisory Council. They share their thoughts and experiences on what it's like to live in long-term care in 2025 and offer valuable advice on how they advocate for themselves and others. Guests: Maurice Miller, Ray DiFrancisco, Cindy Jones, Margarite Grootjes, and Jeanette Sullivan-Martinez

You've heard it before—70% of Americans over 65 will need long-term care. While that number is technically true, it's also misleading. Because here's what many people don't realize: the vast majority of retirees will never face a catastrophic, six-figure care event. In fact, nearly two-thirds will spend ZERO out of pocket during their lifetime!

Understanding long-term care options is crucial for families facing dementia. Many fear the overwhelming costs. However, there are often overlooked benefits available. On this episode, we share real stories of financial challenges. Furthermore, we provide practical insights into navigating the complex world of long-term care benefits. We discuss how families can qualify for assistance. Consequently, we highlight strategies to protect assets. Discover the nuances of government programs like Medicaid. Moreover, learn how states interpret federal guidelines. We also touch upon the importance of planning ahead. Consequently, you'll feel more prepared. Ultimately, our goal is to empower you. Therefore, you can secure real support and peace of mind for your loved one's long-term care. Tune in to learn more. Our Guest: Aaron Miller Aaron R. Miller's professional life began with a successful career in corporate litigation, representing large companies in cases involving multi-million dollar disputes. What gave him the most professional satisfaction was helping people with whom he had developed personal relationships. A skilled attorney with a passion for many aspects of law, Aaron nonetheless found himself at a crossroads when he realized that with many years of practice in front of him, he did not want to continue a career involving such combative work.Just before Aaron decided to leave the law for good, he discovered that families really need help protecting those they love through proper estate planning. From that, the Miller Law Office, PLLC was born. +++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ Related Episodes: Long-term Care - Low Cost Options Home Dementia Care Alarm: Crisis in Long-term Care ++++++++++++++++++++++++++++++++++++++++ Sign Up for more Advice & Wisdom - email newsletter. ++++++++++++++++++++++++++++++++++++++++ Please help us keep our show going by supporting our sponsors. Thank you. ++++++++++++++++++++++++++++++++++++++++ Make Your Brain Span Match Your LifeSpan Relevate from NeuroReserve With Relevate nutritional supplement, you get science-backed nutrition to help protect your brain power today and for years to come. You deserve a brain span that lasts as long as your lifespan. ++++++++++++++++++++++++++++++++++++++++ Feeling overwhelmed? HelpTexts can be your pocket therapist. Going through a tough time? HelpTexts offers confidential support delivered straight to your phone via text message. Whether you're dealing with grief, caregiving stress, or just need a mental health boost, their expert-guided texts provide personalized tips and advice. Sign up for a year of support and get: Daily or twice-weekly texts tailored to your situation Actionable strategies to cope and move forward Support for those who care about you (optional) HelpTexts makes getting help easy and convenient. ++++++++++++++++++++++++++++++++++++++++ List of the Top 20 Alzheimer's Podcasts via FeedSpot! See where we rank. Join Fading Memories On Social Media! If you've enjoyed this episode, please share this podcast with other caregivers! You'll find us on social media at the following links. Instagram LinkedIn  Facebook Contact Jen at hello@fadingmemoriespodcast.com Or learn more at Our Website

Roger Loomis sits down with Stephanie Moench and Michael Rustemeyer to discuss their paper that was just published by the SOA Research Institute: “Long-Term Care Wellness Primer”, which can be downloaded here: https://www.soa.org/resources/research-reports/2025/long-term-care-wellness/

Tripp Limehouse discusses the multifaceted nature of legacy planning, emphasizing that it extends beyond financial assets to include emotional and spiritual legacies. He highlights the importance of thorough retirement planning, including the need for liquidity and a 'shock blanket' to handle unexpected life events. The conversation also covers the significance of long-term care planning and the rising costs of healthcare in retirement, urging listeners to consider these factors in their financial strategies. Visit Limehouse Financial to learn more. Call 800-940-6979See omnystudio.com/listener for privacy information.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss how modern life insurance can be more than a death benefit—it can be an all-in-one tool for retirement planning strategies, tax advantages of life insurance, and long-term care insurance. With guest expert Jim Bowman, they explain how well-structured cash value policies—especially Indexed Universal Life—can provide tax free retirement income, flexible access to cash, and an efficient way to leave a legacy to family or charity.Listen in to learn about the practical differences between term and cash value policies, how to design funding to avoid MEC rules, why many retirees use unneeded RMDs to create tax-efficient benefits, and how hybrid life insurance can accelerate a portion of the death benefit for qualifying long-term care needs. If you want a clear path to secure your retirement, plan for retirement, and keep a simple retirement checklist for retiring comfortably, this conversation is for you.In this episode, find out:· How to think about life insurance benefits beyond debt protection—legacy, liquidity, and LTC.· The mechanics of life insurance cash value and using policy loans for tax free retirement income.· Why life insurance and taxes can work in your favor when policies are designed to minimize insurance cost and maximize accumulation.· When to consider life insurance for retirement (including for business owners) and how to fund over 5–7 years to avoid MECs.· Using unwanted RMDs to fund life insurance for seniors or a hybrid life insurance policy with long term care insurance riders.Tweetable Quotes:· “Life insurance can be the Swiss Army knife of retirement—growth, tax efficiency, legacy, and long-term care in one plan.” — Radon Stancil· “Design the policy to minimize insurance cost and maximize cash value—then let it do the heavy lifting for tax-free income.” — Murs TariqThroughout the episode, we cover: Retirement Planning, retirement planning strategies, planning retirement with Indexed Universal Life, coordinating with a broader financial plan, and using a straightforward retirement checklist to align cash flow, taxes, and legacy goals—so you can secure your retirement.Resources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

Washington voters will vote on if they want long term care funds to be invested into the stock market. Some Seattle city employees are still not coming into the office. Sound Transit wants yet another property tax increase to ameliorate its budget deficit. Bob Woodward is once again saying what Trump is doing is “worse than Watergate.” // Big Local: A Federal Way couple had their Dahlia garden destroyed by a passerby. The Everett City Council might renew a law inhibiting people from lying and sitting on public property. // Fridays with Jake Skorheim: What are fans doing to get ready for Mariners games? 

This podcast is sponsored by YARAL Pharma.  In this episode, we are focusing on the management of hypothyroidism -- a treatable, but not curable condition – and will explore unique challenges for patients with hypothyroidism in long-term care – from tolerability and formulation considerations to consistent dosing and patient needs. Dr. Tamara Ruggles is not affiliated with YARAL Pharma. All views and opinions regarding hypothyroidism are solely her own and are not attributable to YARAL or the Pharmacy Podcast Network. IMPORTANT SAFETY INFORMATION for levothyroxine sodium capsules INDICATION AND USAGE Levothyroxine sodium capsules are L-thyroxine (T4) indicated for adults and pediatric patients 6 years and older with: Hypothyroidism - As replacement therapy in primary (thyroidal), secondary (pituitary), and tertiary (hypothalamic) congenital or acquired hypothyroidism Pituitary Thyrotropin (Thyroid-Stimulating Hormone, TSH) Suppression - As an adjunct to surgery and radioiodine therapy in the management of thyrotropin-dependent well differentiated thyroid cancer Limitations of Use: Levothyroxine sodium capsules are not indicated for suppression of benign thyroid nodules and nontoxic diffuse goiter in iodine-sufficient patients as there are no clinical benefits and overtreatment with Levothyroxine sodium capsules may induce hyperthyroidism. Levothyroxine sodium capsules are not indicated for treatment of transient hypothyroidism during the recovery phase of subacute thyroiditis WARNING: NOT FOR THE TREATMENT OF OBESITY OR FOR WEIGHT LOSS Thyroid hormones, including levothyroxine sodium capsules, either alone or with other therapeutic agents, should not be used for the treatment of obesity or for weight loss. In euthyroid patients, doses within the range of daily hormonal requirements are ineffective for weight reduction. Larger doses may produce serious or even life-threatening manifestations of toxicity, particularly when given in association with sympathomimetic amines such as those used for their anorectic effects. Contraindications Uncorrected adrenal insufficiency Warnings and Precautions Cardiac adverse reactions in the elderly and in patients with underlying cardiovascular disease: Initiate Levothyroxine sodium capsules at less than the full replacement dose because of the increased risk of cardiac adverse reactions, including atrial fibrillation Myxedema coma: Do not use oral thyroid hormone drug products to treat myxedema coma Acute adrenal crisis in patients with concomitant adrenal insufficiency: Treat with replacement glucocorticoids prior to initiation of levothyroxine sodium capsules treatment Prevention of hyperthyroidism or incomplete treatment of hypothyroidism: Proper dose titration and careful monitoring is critical to prevent the persistence of hypothyroidism or the development of hyperthyroidism Worsening of diabetic control: Therapy in patients with diabetes mellitus may worsen glycemic control and result in increased antidiabetic agent or insulin requirements. Carefully monitor glycemic control after starting, changing, or discontinuing thyroid hormone therapy Decreased bone mineral density associated with thyroid hormone over-replacement: Over-replacement can increase bone reabsorption and decrease bone mineral density. Give the lowest effective dose Adverse Reactions Common adverse reactions with levothyroxine therapy are primarily those of hyperthyroidism due to therapeutic overdosage. They include the following: General: fatigue, increased appetite, weight loss, heat intolerance, fever, excessive sweating Central Nervous System: headache, hyperactivity, nervousness, anxiety, irritability, emotional ability, insomnia Musculoskeletal: tremors, muscle weakness Cardiovascular: palpitations, tachycardia, arrythmias, increased pulse and blood pressure, heart failure, angina, myocardial infarction, cardiac arrest Respiratory: dyspnea Gastrointestinal (GI): diarrhea, vomiting, abdominal cramps, elevations in liver function tests Dermatologic: hair loss, flushing Endocrine: decreased bone mineral density Reproductive: menstrual irregularities, impaired fertility Adverse Reactions in Children Pseudotumor cerebri and slipped capital femoral epiphysis have been reported in children receiving levothyroxine therapy. Overtreatment may result in craniosynostosis in infants and premature closure of the epiphyses in children with resultant compromised adult height. Seizures have been reported rarely with the institution of levothyroxine therapy. Hypersensitivity Reactions Hypersensitivity reactions to inactive ingredients (in this product or other levothyroxine products) have occurred in patients treated with thyroid hormone products. These include urticaria, pruritis, skin rash, flushing, angioedema, various GI symptoms (abdominal pain, nausea, vomiting and diarrhea), fever, arthralgia, serum sickness and wheezing. Hypersensitivity to levothyroxine itself is not known to occur. Drug Interactions: Many drugs and some foods can exert effects on thyroid hormone pharmacokinetics (e.g., absorption, synthesis, secretion, catabolism, protein binding, and target tissue response) and may alter the therapeutic response to Levothyroxine sodium capsules. Administer at least 4 hours before or after drugs that are known to interfere with absorption. See full prescribing information for drugs that affect thyroid hormone pharmacokinetics and metabolism. To report SUSPECTED ADVERSE REACTIONS, contact Yaral Pharma Inc. at 1-866-218-9009, or FDA at 1-800-FDA-1088 or www.fda.gov/medwatch. For Full Prescribing Information, including Boxed Warning, go to www.yaralpharma.com/levothyroxine-pi.