Most employees are quietly facing the realities of aging parents and caregiving responsibilities. We help employers bring long-term care to their workforce in a way that feels clear, supportive, and manageable.
This isn't a future problem. It's already showing up in your workforce.
of people over age 65 will need some form of long-term care. Most have no plan to pay for it.
of working adults in their 40s and 50s are already caring for an aging person — often while raising their own children.
More employees are dealing with caregiving stress than ever before. At the same time, a wave of new state-mandated LTC payroll taxes is forcing employers to act. States like Washington, California, New York, and others are rolling out mandatory LTC programs funded by employee payroll deductions. Without a qualifying private plan in place, your employees have no way to opt out.
LTC is complex. We make it manageable.
Long-term care insurance is one of the most misunderstood benefits in the market. We specialize in it. We know the carriers, the policy structures, and the enrollment strategies that actually drive participation.
We're not tied to any single carrier. We evaluate the full market — including guaranteed-issue options — to find the coverage structure and pricing that fits your workforce and your goals.
We don't just recommend a plan and walk away. We run the entire enrollment process — education, communication, tech platform, live support — so your HR team doesn't have to.
We offer guaranteed-issue long-term care plans that combine life insurance with living benefits — covering home health, assisted living, adult day care, and more. Whether used during life or passed on after, the policy provides guaranteed approval without medical underwriting for eligible groups.
Coverage is completely portable. Employees keep it even if they change jobs or retire.
No medical questions. Coverage up to $350,000 at a benefit pool, with flexible payment options.
If benefits are used and the need ends, the full benefit pool restores — so coverage is never permanently reduced.
Long-term care insurance is becoming a top priority for today's workforce. Here's why.
When LTC is part of your benefits conversation, it signals that your company thinks beyond the obvious. It's a differentiator in a competitive market.
Employees managing care for a loved one lose focus, miss work, and burn out. LTC coverage helps them plan ahead and stay present.
States are imposing LTC payroll taxes. Offering a qualifying plan lets employees opt out and gives your organization a proactive compliance posture.
Without a carve-out, employees bear the full cost of state LTC taxes with no choice in coverage. A group plan puts them in control.
Group LTC plans can offer guaranteed-issue enrollment with no medical underwriting — a benefit employees can't get on their own.
Group rates and payroll deduction make LTC coverage accessible for employees at every income level and life stage.
Whether you're responding to state mandates or looking to offer something truly meaningful, we'd love to walk you through your options.
Pick a time that works for you. We'll walk through your options in 15 minutes or less.
Speak with Our Team →No commitment. No preparation needed. Just a conversation.
