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Hollowtree Benefits Hollowtree: Custom Solutions for Disability Insurance And Long-Term Care Coverage

We partner with HR and leadership teams to make benefits feel simple and personal, with clear education and modern enrollment support across email, SMS, direct mail, webinars, and personalized video. Our specialty is voluntary long-term care insurance and disability solutions, designed to help teams prepare for real life risks while keeping the experience smooth for both HR and employees. From first conversation to enrollment, we bring a practical, human approach: straightforward guidance, clean materials, and a rollout plan that drives participation without creating extra work for your team.

Most benefit packages cover life insurance and disability. Those feel like the bookends of protection.But there's a gap ...
09/29/2026

Most benefit packages cover life insurance and disability. Those feel like the bookends of protection.

But there's a gap in the middle that often goes unaddressed: the years when someone is alive, working, and then suddenly needing help with everyday tasks due to illness, injury, or age.

Long-term care coverage is the piece that fills that space. And more employers are starting to recognize it as a meaningful part of a complete benefits strategy.

If your current package doesn't include LTC, it may be worth exploring what that gap could mean for your employees.

09/25/2026

When employees hear "long-term care," many picture a nursing home. But that's actually the last resort, not the starting point.

Most people receive care in their own homes, with support tailored to their needs. It might be a few days a week to give family caregivers a break. It could be full-time assistance. Assisted living facilities offer graduated levels of care as needs change. Adult day care lets working families provide support while maintaining their careers.

The flexibility matters. When employees understand the real options, long-term care coverage becomes less abstract and more relevant to how they actually want to live.

The benefits package you offer tells employees something about how you see them.When a team member faces a long-term car...
09/24/2026

The benefits package you offer tells employees something about how you see them.

When a team member faces a long-term care need, either for themselves or a loved one, what happens next depends on what was already in place. The employers who get remembered are the ones who thought ahead.

Long-term care coverage is one of those benefits that rarely gets noticed until it matters enormously. That moment of relief, knowing something is there, is something employees carry with them.

The hard moments reveal the culture. The benefits package is part of that story.

Not every workforce looks the same. Enrollment shouldn't be treated like it does.Every employer has different needs. Dif...
09/23/2026

Not every workforce looks the same. Enrollment shouldn't be treated like it does.

Every employer has different needs. Different timelines. Different communication preferences. Different populations. A one-size-fits-all approach rarely holds up when your workforce is anything but uniform.

Flexibility matters. Whether it's customizing enrollment windows, integrating with existing systems, or adapting communication strategies for diverse employee groups, the enrollment process should bend to fit your reality, not the other way around.

That's how enrollment becomes less of a project and more of a partnership.

09/22/2026

A number that tends to stop people in their tracks: about 70% of people who reach age 65 will eventually need some form of long-term care.

With a large baby boomer population now entering that stage of life, the demand for long-term care is growing fast. For employers, that means the conversation around LTC benefits is no longer something to put off.

Understanding the scale of the need is often the first step toward offering employees a meaningful way to plan for it.

09/09/2026

When a loved one needs care, every family's situation is different. Some hire professional caregivers. Others rely on family members who take time off work. Many do both.

Indemnity long-term care policies pay the insured directly, not a facility or agency. That means the benefit can be used however the family chooses. A daughter caring for her father can use part of the benefit to offset lost income. A family member juggling caregiving with childcare can pay for extra help at home.

The flexibility matters because care rarely fits a single template. Families know what works for them.

Brokers ask us this question more than almost any other: "What exactly do you do?"It is a fair question. Benefits enroll...
06/17/2026

Brokers ask us this question more than almost any other: "What exactly do you do?"

It is a fair question. Benefits enrollment ex*****on sits at the intersection of technology, communication, and compliance, and it can be hard to know where one partner ends and another begins.

This carousel walks through the full picture of what Hollowtree does, how we do it, and why it matters to your clients. If you have ever wondered how we fit into your process, this is a good place to start.

Group long-term care coverage is having a moment, and the momentum goes well beyond state mandate conversations.More emp...
06/16/2026

Group long-term care coverage is having a moment, and the momentum goes well beyond state mandate conversations.

More employers are starting to ask about it. More brokers are bringing it to the table. And more employees are realizing that traditional health and disability plans leave a significant gap when it comes to extended care needs.

The trend is worth paying attention to. Whether you're exploring group LTC for the first time or looking to deepen your understanding of where the market is heading, the conversation is shifting in a meaningful way.

One of the biggest barriers to long-term care enrollment is employees assuming they won't qualify.With a guaranteed issu...
06/15/2026

One of the biggest barriers to long-term care enrollment is employees assuming they won't qualify.

With a guaranteed issue LTC option, there are no health questions and no declines. Every eligible employee gets approved, full stop.

That changes the conversation entirely. Benefits teams spend less time managing exceptions, and more employees walk away with real coverage in place.

For brokers working with groups who have struggled with participation or past declinations, this is worth a closer look.

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Darien, CT
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