by Michael Riska | Sep 15, 2026 | LTC-Life Hybrid Insurance
Most employees carry some life insurance through work, and most employers assume that checks the box. But two separate coverage gaps quietly overlap in the average benefits package: employees do not have enough life insurance, and almost none have any long-term care...
by Michael Riska | Aug 14, 2026 | LTC-Life Hybrid Insurance
Somewhere on nearly every team, an employee is quietly juggling a full-time job and a loved one’s care needs. They’re coordinating a home health aide before a 9 a.m. meeting, taking a call from a parent’s doctor at lunch, or leaving early for the...
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....
