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...
by Michael Riska | Sep 15, 2025 | LTC-Life Hybrid Insurance
The conversation around Life Insurance with Long-Term Care (LTC) benefits has never been louder—or more urgent. For years, long-term care was treated as a “someday” problem, something to be addressed closer to retirement. Today, it’s a mainstream workplace benefits...
by Michael Riska | Aug 19, 2025 | LTC-Life Hybrid Insurance
As a benefits broker, you know that accurate, compelling data builds trust. Let’s start with the numbers: According to Genworth’s 2024 Cost of Care Survey: $77,792 — annual median cost for an in-home health aide $111,325 — annual median cost for a semi-private room in...
by Michael Riska | Jun 12, 2025 | LTC-Life Hybrid Insurance
Here’s the truth your clients need to hear: Health insurance and Medicare do not provide meaningful long-term care coverage. At best, Medicare covers up to 100 days of care in a skilled nursing facility—and only under specific circumstances. Medicaid? That’s only an...
by Michael Riska | Apr 16, 2025 | LTC-Life Hybrid Insurance
In today’s benefits landscape, decisions must be backed by data, not just good intentions. That’s why recent benchmarking from Eastbridge Consulting Group is making waves among forward-thinking brokers and business owners. The numbers speak volumes about where...
