Long-Term Care Insurance Your Employees Need but Don't Know to Ask For.
Hollowtree designs, launches, and runs Long-Term Care programs end-to-end — so employees actually use the benefit, and HR doesn't carry the rollout.
Why LTC Matters Now
Why Long-Term Care has moved up the priority list.
The reasons are practical, not aspirational. They show up in attrition, productivity, and state tax bills already on the table.
of people over age 65 will need some form of long-term care during their lifetime. Most don't have a plan to fund it.
of working adults in their 40s and 50s are already supporting an aging parent — often while raising their own children.
Long-term care is one of the most overlooked aspects of financial and workforce planning. As care needs, costs, and public policy continue to evolve, individuals and organizations are taking a more thoughtful approach to education and preparation.
Attract & Retain Talent
Including LTC in the benefits conversation signals that the organization thinks beyond the standard package. In a competitive labor market, that's a real differentiator — particularly for employees in caregiver life-stages.
Address Caregiving Productivity Loss
Employees managing care for an aging parent lose focus, miss work, and burn out. LTC coverage gives them tools to plan ahead — not just react after a crisis.
Stay Ahead of Payroll-Tax Mandates
Several states are imposing LTC payroll taxes. Offering a qualifying private plan typically gives employees an opt-out path and gives the organization a proactive compliance posture.
Avoid Default Tax Exposure
Without an opt-out plan in place, employees pay the state LTC tax with no flexibility in coverage. A qualifying group plan returns choice to the employee.
Guaranteed-Issue Coverage
Group LTC plans can offer guaranteed-issue enrollment with no medical underwriting — a meaningful advantage for employees who couldn't qualify on their own.
Group Pricing, Flexible Structure
Group rates and payroll-deductible premium make LTC accessible at every income level — not just for senior leadership.
How LTC Coverage Works
How a Long-Term Care policy actually triggers.
Long-Term Care plans typically begin paying benefits 90 days after a covered individual is unable to perform at least two of the six Activities of Daily Living, or has been diagnosed with a cognitive impairment. Understanding the trigger is as important as understanding the coverage — for both the people designing the program and the people who will eventually rely on it.
The Six Activities of Daily Living (ADLs)
Bathing
Washing yourself and getting in or out of a bathtub or shower.
Dressing
Putting on and removing clothes and securing them.
Eating
Getting food from plate to mouth, including chewing and swallowing.
Toileting
Getting to and from the toilet and maintaining hygiene.
Continence
Controlling bladder and bowel functions.
Transferring
Moving in and out of bed, chairs, or wheelchairs.
Real plans vary in waiting period, benefit pool, and benefit duration. Hollowtree designs the structure to fit the workforce, not the carrier's preferred mix.
Why Hollowtree for LTC
LTC programs fail at adoption, not at quote. We built our practice around the part most firms skip.
Carrier-Agnostic by Design.
Most long-term care programs are built around a specific carrier or product framework. Our approach is different. We evaluate the broader market, including guaranteed-issue and hybrid structures, to identify solutions that align with the needs of the workforce and the goals of the organization.
Enrollment is the Hard Part. We Own It.
The product isn't where LTC programs fail. The decision is. Our team runs education, communication, and live decision support across the enrollment window — so participation reflects what employees actually decided, not what they avoided.
Employees Call Us, Not HR.
After launch, our service team handles claims questions, policy changes, and benefit clarifications directly with the employee. HR doesn't get tickets. The program is designed to remain active and supported beyond the initial enrollment period.
Coverage Mechanics
Guaranteed Issue: No Medical Questions. Real Coverage.
We design guaranteed-issue Long-Term Care plans that combine life insurance with living benefits — covering home health, assisted living, adult day care, and more. Whether the benefit is drawn down during life or passed to beneficiaries after, the policy provides guaranteed approval without medical underwriting for eligible groups.
Portability
Coverage is fully portable. Employees keep it if they change jobs or retire — there's no employer dependency after enrollment.
Guaranteed Issue
No medical questions. Coverage up to $350,000 in a benefit pool, with flexible payment options.
Benefit Restoration
If benefits are drawn down and the need ends, the full benefit pool restores — so coverage isn't permanently reduced by a recoverable event.
*Availability varies by state.
Ten years to pay. Covered for life.
Most LTC planning forces a choice: pay for protection you may never use, or leave the risk unfunded. A 10-pay plan resolves it. Premiums stop after ten years. Coverage continues for life. If care is never needed, beneficiaries receive the full death benefit.
After that, nothing. Coverage continues for life with no further payments.
Up to $10,000/month for care. Plus a $250,000 death benefit.
Employees fund their own premiums through voluntary payroll deduction. Qualifying coverage may exempt employees from state LTC payroll taxes.
Use the group LTC calculator to see age-specific premiums for 10-pay and lifetime plans. No forms required.
See how 10-pay LTC compares to traditional coverage, what it costs at different ages, and how enrollment works.
Trusted By Leading Carriers
Bringing Long-Term Care to your healthcare clients? If you're a broker working with employer groups on benefits design, here's how broker partnerships work at Hollowtree — including LTC-specific carve-out arrangements. Visit the broker partnership page
Bring Long-Term Care to Your Workforce — Without Carrying the Rollout.
Whether you're responding to a state mandate, building out the benefits package, or just exploring what a Long-Term Care program could look like for your team, we'll walk you through the structure, the enrollment plan, and the ongoing service model in a single conversation.
Schedule a 20-Minute LTC Briefing