Episode 55

Market Broadening and the Realities of Long-Term Care - 01/10/2026

January 10th, 2026

52 mins 50 secs

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missing premium payments insurance claim strategies elimination periods insurance benefit activation ltc premiums compounding benefits indemnity policies ltc tax implications activities of daily living (adls) standardized ltc contracts 1996 hipaa act long-term care insurance south central wisconsin caregiver stories 24/7 care respite care aging at home non-medical home care visiting angels patrick smith magnificent 7 market broadening value vs. growth stocks russell 2000 nasdaq s&p 500 dow jones industrial average 2026 stock market kickoff

About this Episode

John Berkley discusses the strong 2026 market kickoff, highlighting significant gains in the Dow and Russell 2000 as the market broadens beyond the "Magnificent 7". Special guest Patrick Smith, owner of Visiting Angels, examines the growing preference for non-medical home care as a way to age at home. The episode provides a deep dive into long-term care insurance, covering the impact of the 1996 HIPAA Act, strategies for activating benefits, and navigating elimination periods to ensure policies function as assets rather than liabilities.