by Michael Riska | Jul 21, 2026 | Long-Term Care Insurance, LTC-Life Hybrid Insurance
Most people don’t think about long-term care until they need it, or until a parent does. By then, the options are limited, and the price tag is real. About 70% of Americans turning 65 will need some form of long-term care in their lifetime. Yet only 3% to 4% of adults...
by Michael Riska | Jun 16, 2026 | Long-Term Care Insurance, LTC-Life Hybrid Insurance
Every June, the Alzheimer’s Association asks us to go purple. To wear the color, share the hashtags, raise awareness. And that matters. But for benefits brokers and HR professionals, the conversation needs to go deeper than a purple ribbon. June is the right time to...
by Michael Riska | May 20, 2026 | Long-Term Care
Long-term care conversations usually start the same way. Someone says, “I’ll deal with that later.” Or: “Medicare will probably cover it.” Or maybe: “That’s really only something older people need to think about.” Then life happens. A parent needs help after a stroke....
by Michael Riska | Apr 6, 2026 | LTC-Life Hybrid Insurance
Not every employee group has the same needs, and not every benefit should be designed the same way. That’s especially true when it comes to Life with Long-Term Care (LTC) benefits. For some employers, an employer-paid approach creates meaningful protection that...
by Michael Riska | Mar 10, 2026 | Long-Term Care, LTC-Life Hybrid Insurance
Today’s workforce is balancing more responsibilities than ever before. For many employees, the challenge isn’t just managing a career while raising children. It’s also helping care for aging parents. This growing group, often referred to as the sandwich generation, is...
