Life with LTC: What Employers and Brokers Need to Know

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...

June Is Alzheimer’s & Brain Awareness Month — Here’s What That Means for Your Benefits Strategy

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...

When Standalone LTC Changes: What Brokers and Employers Should Know

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...

Life Insurance with Long-Term Care: A Dual Solution for Future Security

by Michael Riska | May 9, 2024 | Long-Term Care Insurance, LTC-Life Hybrid Insurance

In the dynamic landscape of employee benefits, life insurance with long-term care (LTC) emerges as a comprehensive package, offering a dual benefit that secures employees’ future while managing the rising healthcare costs. This article explores how integrating...

6 Compelling Reasons to Advocate for Employer-Provided Long-Term Care Insurance

by Michael Riska | Apr 3, 2024 | Long-Term Care Insurance, LTC-Life Hybrid Insurance

Long-term care insurance (LTCI) has emerged as a cornerstone of comprehensive retirement planning in today’s changing demographics and rising healthcare costs. While individuals can procure LTCI through direct channels with insurers, the benefits of accessing...

The Future of Long-Term Care: Insights for Benefits Brokers, HR Managers, and Business Owners

by Michael Riska | Mar 13, 2024 | Long-Term Care Insurance

As our population ages and lifespans extend, the demand for long-term care solutions becomes increasingly critical. The need for comprehensive planning to address the uncertainties of aging is more important than ever. This blog delves into the current trends and...