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...

Designing Life with LTC Benefits Around Real Workforce Needs

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...

Supporting the Sandwich Generation in Today’s Workforce: Why Employers and Benefits Brokers Should Be Paying Attention

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...

What Employers Are Asking for in 2026 and How Brokers Can Prepare Now

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...

Why Employees Want Better Benefits Guidance—And Why Life with LTC Is the Solution

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...