What usually breaks during rollout, and how we avoid it.
Disability Insurance & Long-Term Care. Launched in Weeks. Not Stuck in Planning.
Without us: HR manages the rollout, employees are confused, brokers chase enrollment, and participation flatlines.
With us: we own communication, enrollment, and ongoing support -- so none of that lands on your team.
See How It Works (2 min)Start Where You Are
Whether you're growing a book or managing a workforce, we take the operational burden off your plate.
Add DI & LTC Revenue Without Getting Pulled Into Enrollment.
Most brokers avoid DI and LTC because it turns into weeks of explaining coverage, chasing enrollments, and handling edge cases. We take all of that off your plate. Turn a category most brokers avoid into a repeatable revenue stream.
Offer DI & LTC across your book without adding hours to your week. No quoting loops. No enrollment follow-ups. No admin.
Explore Broker PartnershipOffer DI & LTC Without It Becoming an HR Project.
Without support, these programs turn into employee confusion and HR inbox volume. We run communication, enrollment, and support so your team doesn't have to.
No rollout project. No ongoing ownership.
Explore Employer SolutionsAcross active employer programs
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.
What This Doesn't Require.
- Not another initiative HR has to manage.
- Not a payroll or benefits restructure.
- Not a communication campaign you have to build.
- Not ongoing admin or employee support requests.
This runs without becoming your responsibility.
Why DI & LTC Programs Usually Underperform.
They're either over-planned and never launch, or pushed out without support and no one enrolls. Employees don't understand the decision, brokers don't have time to manage it, and HR ends up stuck answering questions.
Typical: Recommend → quote → hand off → confusion → delay → low participation.
Hollowtree: Design → launch → guide decisions → support → sustained participation.
The result is low adoption and programs that quietly disappear. This is why many firms avoid offering these benefits at all.
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.
Trusted By Leading Carriers
Frequently Asked Questions
Common questions about disability insurance, long-term care, and how our enrollment programs work.
DI replaces a portion of your income if you can't work due to illness or injury. LTC protects your savings by covering extended care costs -- like nursing homes, assisted living, or in-home care -- that health insurance and Medicare typically don't. DI shields the paycheck; LTC shields the savings.
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