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 | 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...
