By:  Steve Kolker, Insurance Consultant, Employee Benefits, Hilb Group/Barrow Group One of the most essential, but difficult to afford coverages is long-term care (LTC) insurance.  LTC insurance covers services like nursing home, assisted living, or in-home assistance that Medicare generally does not provide. The cost for...

This Field Assistance Bulletin (FAB) issued on 7/25/25 provides important updates for staffing agencies that hire domestic workers, particularly those in the home care industry. To summarize these updates: Suspension of 2013 Final Rule Enforcement: The Wage and Hour Division (WHD) will no longer enforce...

Death is universal, but how we approach it says everything about our values. As more Americans reconsider what it means to “die well,” the contrast with Europe’s approach to end-of-life care is sharper than ever. It’s not just about policy—it’s about perspective. ________________________________________ 🧭 Control vs. Collective...