What's an Irrevocable Trust, and Is It Right for You?
An irrevocable Trust can help protect your assets from creditors and even lower some taxes. It also lets you decide who gets your assets when you pass away. Using an irrevocable Trust has both pros and cons.
The Medical Cost Crisis Doesn't End with the Bill.
June 18, 2026
As healthcare costs rise, employees have less financial cushion for what comes next—making legal protection more valuable, not less.
Man looking at paper.
Medical Trigger
Legal/Financial Consequence
Surprise billing / billing dispute
Attorney access to review and dispute
Collections & credit damage
Legal guidance on debt & consumer rights
Hospitalization / serious diagnosis
Advance directives, healthcare proxy, living will
Caregiving responsibilities for an aging or ill family member
Access to Care.com to find vetted caregivers and can help reduce out-of-pocket caregiving costs*
Medicare / Medicaid questions
Attorney guidance on eligibility & navigation
7.8%
Healthcare cost trend 2025—highest in 15+ years
Source: WTW / Vanderbilt
52%
of employers shifting more costs to employees in 2026
Source: SHRM
80%
of Americans fear a medical bill could derail their finances
Source: Equitable 2025
Why Now?
Employees are absorbing more healthcare costs than at any point in recent memory — up to $571/month more for family coverage. They have little financial cushion to absorb a legal crisis on top of a medical one. A legal plan for around a dollar a day is no longer a luxury. It is a safety net — and it pays for itself the first time an employee uses it.
The numbers tell the story:
$26,993 Avg. annual family premium — up 6% from 2024
Source: KFF 2025
$1,886 Avg. single-coverage deductible; $2,631 at small firms
Source: KFF 2025
37% of adults cannot cover a $400 emergency bill
Source: Federal Reserve
1 in 12 Americans carry medical debt — totaling $220B+ nationwide
Source: KFF
Reach out to your LegalShield Business Solutions representative or email [email protected] to get updated proposals, enrollment materials, and talking points.
Thank you! You're subscribed!
Oops! Something went wrong while submitting the form.