Guaranteed Approval Specialty DI & LTC

Disability Insurance & Long-Term Care. Done Differently.

We marry modern tech with deep insurance expertise so these benefits actually get understood and used.

Implemented in weeks. Supported long after launch.

60-Second Overview

Modern Benefits. Deep Expertise.

Disability insurance and long-term care solutions — built with the technology and enrollment support your workforce needs.

100+

Years Collective Experience

25+

Partner Organizations

Trusted

By Leading Carriers

Start Where You Are

Whether you're growing a book, supporting a workforce, or serving a medical group, Hollowtree handles the operational burden behind the program.

For Brokers

Add DI & LTC revenue without getting pulled into enrollment.

Most brokers avoid DI and LTC because rollout turns into employee questions, chasing enrollments, and handholding. We help you offer the coverage while we run the enrollment and support behind it.

Broker-of-record protected. Carrier-agnostic.

Explore Broker Partnership

For Employers

Offer DI & LTC without creating internal lift.

We design, communicate, and support the program end-to-end so your team isn't managing questions, reminders, or follow-up. Employees get guidance at decision-time — not just access.

No internal build required. No ongoing management burden.

Explore Employer Solutions

For Medical Groups & MSOs

Bring high-value coverage to physicians and 1099 clinicians.

We support physician-led groups and MSOs with programs built for high-income, complex populations — including 1099 Disability Insurance aligned to how clinicians actually get paid.

Built for physician-led, high-income organizations.

Explore MSO Solutions

Where Most Programs Break Down, We Take Over.

Programs don't fail because of product. They fail when no one owns rollout, employees don't understand the decision, and enrollment gets dropped.

Design a Program That Will Actually Be Adopted

Most programs look fine on paper but never get adopted. We structure for real-world participation based on your population -- not off-the-shelf plans that sit unused.

Run Enrollment So Employees Actually Decide

Instead of employees ignoring emails or missing deadlines, we guide the decision in real time -- through reminders, education, video, and live support. Participation is driven, not hoped for.

Manage Everything After Launch

Instead of HR fielding questions about coverage or billing, employees contact us directly. We handle policy servicing, inquiries, and claims advocacy -- nothing circles back.

Programs launch, employees make decisions, and participation follows.

A 250-person healthcare group launched in 4 weeks. Enrollment reached 72% without HR involvement.

The Honest Picture

What's required of you, and what usually goes wrong.

What This Doesn't Require

Another initiative for HR to manage
A project or benefits overhaul
A complex rollout for your team to build
Ongoing internal support requirements

Why DI & LTC Programs Usually Underperform

Treated as optional add-ons
No structured enrollment process
Employees don't understand the value
No support after rollout

Most programs fail quietly. We build them to work.

Product — Long-Term Care

The Long-Term Care line most brokers and employers under-serve.

Long-Term Care is the coverage most benefits plans quietly skip — and the one that hurts most when it's needed. We bring broker-friendly LTC program design, guided enrollment, and post-launch servicing so the benefit actually gets elected and kept. Carrier-agnostic. State-mandate aware. Built to scale from a physician group to a 10,000-employee enterprise.

Program design across major LTC carriers — no preferred-carrier agenda
Education and enrollment handled by our team, not yours
Ongoing servicing: employees call us, not HR

See how LTC programs run at Hollowtree

Product — 1099 Disability Insurance

1099 Disability Insurance for MSOs and physician groups.

Most physicians in MSO structures are compensated as 1099 contractors — which means traditional group DI plans often miss the income that matters most. We build 1099 Disability Insurance programs that cover physicians the way they actually get paid, with specialty-appropriate definitions of disability and underwriting paths that work at group scale.

Designed for MSO, PLLC, and physician-owned structures
Income-appropriate benefit levels for high earners
Full enrollment support — no HR rollout burden

Also offering traditional group DI? Yes — for W-2 populations inside MSOs and employer groups who need a coordinated strategy alongside the 1099 program.

Explore 1099 DI for Medical Groups

What Makes This Work

The Enrollment Engine sitting underneath every program.

Product design is table stakes. Adoption is where programs live or die. Every Hollowtree program — DI, LTC, or both — runs on the same enrollment engine: guided decisions, live support, and follow-through that lasts past year one.

Guided decisions, not PDFs.

Employees meet a real benefits counselor during enrollment — through reminders, videos, microsites, and one-on-one support. Decisions happen in context, not in a panic.

Zero HR lift.

We own communication, scheduling, the enrollment platform, and employee questions from kickoff through year-end. HR gets reporting, not tickets.

Participation that holds.

Our programs aren't measured on sign-ups. They're measured on whether people still have coverage they understand in year two.

Built for physicians, law firms, professional services, and high-earner populations standard group plans don't scale to.

Built for High-Income, Complex Populations

These populations don't make these decisions without guidance. Without explanation, support, and follow-through, participation drops off quickly.

Physicians, specialists, and clinical staff.

Law firms and professional services.

High earners underserved by standard benefits.

Two Financial Risks Most High Earners Carry Uncovered

Income Protection (DI)

If income stops, everything else does too. Most group plans under-cover this risk -- especially for physicians and high earners.

Asset Protection (LTC)

Extended care can erase savings. Most employees never address it without guidance -- and state mandates are making it harder to ignore.

Program Builder

Not sure where to start?

Answer four quick questions and we will sketch a one-page program outline tailored to your team. About 60 seconds.

Build a program outline Or schedule a 15-minute walkthrough

Case Studies

Proof that enrollment can be simple.

See how Hollowtree helps employers, brokers, and medical groups turn complex disability insurance and long-term care benefits into clear, high-participation enrollment experiences.

Long-Term Care Case Study

How a professional services firm launched group LTC without creating an HR project

A professional services employer used Hollowtree to make long-term care coverage available through a structured enrollment campaign, clear employee education, and guided benefit support. Hollowtree handled the rollout strategy, employee communications, enrollment experience, and support workflow so the employer could offer a sophisticated benefit without overwhelming HR.

Group LTC enrollment
Guided employee education
Low HR lift

Read the LTC case study

Disability Insurance Case Study

How a healthcare organization simplified disability insurance for clinicians

A healthcare organization needed a better way to help physicians and high-income clinicians access disability insurance without sending each person into the individual market alone. Hollowtree helped consolidate the education, enrollment, and broker support experience into a clearer group program.

Physician-focused DI
Broker-friendly rollout
Simplified enrollment

Read the DI case study

View all case studies

Trusted By Leading Carriers

Frequently Asked Questions

Common questions about disability insurance, long-term care, and how our enrollment programs work.

Disability insurance replaces a portion of income if an individual is unable to work due to illness or injury. Long-term care insurance helps protect personal assets by covering the cost of extended care services — such as in-home care, assisted living, or nursing care — that are not typically covered by health insurance or Medicare.

Our approach is designed to minimize the administrative burden on HR. We support communication, enrollment, and ongoing employee questions, while keeping your team informed through reporting and coordination.

Timelines vary based on scope and census, but many programs can be implemented within approximately 30 days. We support the process from design through enrollment, helping streamline execution and reduce the need for internal project management.

No. We work alongside your existing broker or advisor. Broker-of-record relationships remain fully intact, and our role is to support program design, enrollment, and ongoing service in areas that may require additional specialization.

An enrollment firm focuses on the communication, education, and decision-support aspects of employee benefits programs. While brokers typically advise on plan selection and structure, an enrollment firm helps employees understand their options and navigate the enrollment process — particularly for more complex benefits such as disability and long-term care insurance. This includes coordinated communication, digital tools, and access to real-time support to help employees make informed decisions.

We serve as a primary point of contact for employee questions related to coverage, billing, and claims. This helps reduce the volume of inquiries directed to HR, while keeping your team informed as needed.

See How This Would Work for Your Organization

In 15 minutes, we'll show you how the program would be structured, how enrollment would run, and exactly what your team would (and wouldn't) need to do.

Schedule a 15-Minute Walkthrough