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...
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...
