<p>Jim and Chris discuss listener emails on Social Security earnings limits, and two emails relating to using annuities for LTC planning.</p> <p>(13:00) — A listener asks whether income from selling NSO stock counts as earned income for Social Security, potentially triggering the earnings limit before full retirement age.</p> <p>(21:00) — George asks about using a 1035 exchange to move variable annuities with guaranteed living benefits into a product offering long-term care benefits, and wants help weighing the tradeoffs of this approach.</p> <p>(49:45) — The guys help a listener think through annuity planning to fund future long-term care costs for in-laws, including whether to use one joint annuity or two individual annuities and where to find SPIA quotes.</p> <p>The post <a href="https://www.theretirementandirashow.com/podcast/social-security-annuities-for-ltc-planning-qa-2624/">Social Security, Annuities for LTC Planning: Q&#038;A #2624</a> appeared first on <a href="https://www.theretirementandirashow.com">The Retirement and IRA Show</a>.</p>