Side affects podcast
Rethinking Workplace Benefits: Life, LTC and the Evolving Carrier Landscape
Episode #164
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You’ve heard the buzzwords: accident, critical illness, hospital indemnity… but what do they actually mean? And why are they becoming such a critical part of today’s benefits strategy? As the workforce evolves, benefits are no longer just a line item — they’re a strategic lever for attracting talent, managing risk and supporting an aging population. By 2030, there will be more people 65+ than under 18, reshaping how employers think about life insurance, long-term care and financial protection.
In this episode, we’re joined by MB Supplemental and Executive Risk Solutions Consultant, Kristi Winters to break down how supplemental benefits are evolving amid rising costs, limited carrier options and increasing employee need. From the decline of traditional group LTC to the rise of hybrid solutions and voluntary benefits, we unpack what employers and employees need to know now. Tune in to learn how benefits are changing — and what it means for the future.
About Our Guest
Kristi Winters
Kristi is a Supplemental & Executive Risk Solutions Consultant at McGohan Brabender. She's been helping employees and leadership teams protect their income, preserve assets, and build confidence in their financial futures. With a strong commitment to education and guidance, she takes a thoughtful, people-first approach to helping others make informed financial decisions. A graduate of Ohio University in 2005, Kristi began her career as a teacher—an experience that continues to shape her work today. Her background in education instilled a deep belief in the power of knowledge and clear communication. She values the role of teaching in empowering individuals, and she carries that mindset into every client interaction. For the past five years at MB, Kristi has combined her passion for education with her expertise in financial protection strategies. She is committed to simplifying complex concepts and helping clients feel confident, informed, and prepared for the future. Connect with Kristi on LinkedIn.
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