by Michael Riska | Feb 8, 2026 | Long-Term Care Insurance
Long-Term Care (LTC) insurance is evolving, reshaping how employers and brokers think about long-term protection. As insurance carriers adjust standalone LTC availability, many organizations are left with open questions. What options remain? How do these changes...
by Michael Riska | Jan 14, 2026 | LTC-Life Hybrid Insurance
2026 is here, and employers are approaching benefits decisions with a very different mindset. They’re no longer asking what benefits to offer just to stay competitive. Instead, they’re asking more profound, more practical questions: Will employees actually understand...
by Michael Riska | Dec 16, 2025 | LTC-Life Hybrid Insurance
If you’ve ever tried walking employees through their benefits options during a busy enrollment season, you already know the truth: most people genuinely want to make wise decisions—they just don’t feel confident doing it. They’re overwhelmed by terminology, unsure of...
by Michael Riska | Nov 11, 2025 | LTC-Life Hybrid Insurance
Every November, Long-Term Care Awareness Month serves as a reminder of something we tend to avoid thinking about: what happens when we or a loved one needs extended care? Whether it’s due to aging, illness, or an unexpected injury, long-term care (LTC) is something 7...
by Michael Riska | Oct 13, 2025 | LTC-Life Hybrid Insurance
If you’re an employer or benefits broker exploring more innovative ways to enhance your employee benefits package, you’ve likely come across Life with Long-Term Care (LTC). This innovative solution combines the financial protection of life insurance with the practical...
