Empathy supports people through life’s toughest moments — and life’s toughest chapters, too.

Right now, someone is standing in a loved one's kitchen, distributing pills by color and number into a weekly organizer, decoding prescriptions that aren't their own. Somewhere else, a person is caring for themselves as best they can, saving email addresses and phone numbers they'll need in case of emergency. There are 63 million of these someones in the U.S. alone, and the number grows every year. They're caregivers, and most of us will take on that role at some point in our lives.

We built Empathy because caregiving is a long-term crisis hiding in plain sight. More than 70% of Americans turning 65 will need long-term care in their lifetime. Nearly 30% of caregivers will provide that care for five years or more. Six in ten are working full-time jobs while they do it, and half of them are struggling to hold it all together. Nearly a third have left a job entirely because caregiving asked for more than they could give. *

That reality expands what "life's toughest moments" means to us. It's not only the moments that hit all at once. Sometimes it's the chapter that unfolds slowly, over years, without ever quite announcing itself.

Caregivers need more connectivity between the systems that support them

Ask any family managing long-term care, and they'll tell you the same thing: the tools that are supposed to help them don't talk to each other. Financial products cover the cost of care, but contact mostly ends once the policy is sold. Caregiving apps help with the day-to-day, but live outside the insurance relationship a family already relies upon. Estate planners, care platforms, and care delivery providers each solve one piece of the problem but leave the family to stitch the rest together themselves, usually at the exact moment they have the least time and capacity to do it.

Then, there’s the financial burden. Almost half of long-term care is still paid for out of pocket,* and families often default to the most expensive option because nobody stepped in early enough to help them choose otherwise. By the time most people start looking for a solution, a diagnosis has already been delivered, a hospitalization has happened, or a caregiver has already burned out. Caregivers deserve support that guides and sustains them.

What Empathy believes

After serving millions of families globally through some of their toughest life transitions, here’s what we know: caregiving can be experienced solo or shared across a full circle of family. It often shows up later in life, when the social infrastructure people used to rely on has thinned out. It can start slowly, long before anyone calls it a crisis, and can feel less like a single event than a constant state of readjustment to a new way of living. We built Empathy for the whole arc of those experiences because we know caregiving journeys are often as unique as the people moving through them.

We believe support should show up before the emergency, so families can act while they still have options. We believe the person providing care and the person receiving it both deserve support, not just one or the other. And we believe the right place to deliver that support is inside the relationship a family already has with their insurer or advisor.

That's the continuum we've built. When there's no return to normal in sight, Empathy's Caregiving Support helps build the infrastructure for a new one.

How Empathy caregiving works in practice

Empathy is delivered through a combination of AI and a human Care Team doing the work neither could do alone. For insurers and advisors, that means a partner who extends what their policies already promise. For families, it means one platform that spans the practical and the emotional, for as long as their caregiving chapter lasts.

Why now

Caregiving is one of the largest unaddressed risks to families, and the market built to address it is still deeply fragmented. Estate planners, caregiving apps, and care delivery providers each own a piece, and families are left to assemble the whole. Our mission is to make sure a family's plan reflects their new reality, and to offer lasting support to the people and advisors navigating what comes next.

Everyone deserves a way through caregiving that doesn't ask them to figure it out alone.

*Source: Caregiving in the US, AARP & National Alliance for Caregiving, July 2025