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Does your injury and illness prevention program spell out the disciplinary action your company will pursue if its safety rules are not adhered to?

Addressing disciplinary issues can be a very sensitive and stressful process for most managers, supervisors and employees. However, if such issues are avoided or handled poorly, it can lead to serious consequences such as property damage, injury or even fatality. Here's why a disciplinary process should be part of every workplace safety program.

In October and November of 2011, floods inundated large parts of central Thailand, including thousands of factories that made everything from automotive parts and hard disk drives to eyeglass lenses and air conditioners.

Carmakers in Detroit shut down because they could not get the parts they needed and half of the world's hard disk drive production was wiped out, leaving computer manufacturers with stalled assembly lines. When disasters like this occur, businesses around the world feel the effects. On a local scale, if one of your suppliers or vendors suddenly halted operations, what would you do?

People often worry about fires damaging their homes and commercial buildings. While fires are dangerous and can cause extensive damage to property, they are rare compared to another element that is in the home or building every minute of every day: Water.

Water damage emergencies occur 14,000 times a day in American homes and businesses, according to insurance industry data. What can you do prevent water damage in the first place, and what will your insurance cover?

With 2026 now upon us, so is a slew of new laws and regulations that affect California businesses.

Every year, legislation passed by the state Legislature and signed into law by the governor take effect, and 2025 was a busy legislative session in Sacramento. The end result is another wave of new legislation that California employers need to stay on top of. 

While you should exercise to take care of your health, what you put into your body can have a great impact on how you feel and your overall general health.

And as part of your efforts to stay healthy, you're also trying to stave off diseases, like heart disease, cancer and other issues that unhealthy foods can help usher in. So, what can you eat that will give your body the most bang for the buck? Find out here.

How long you wait to notify your workers' compensation insurer of a workplace injury can make a significant difference in the cost of that claim.

When your premium is calculated, one of the key elements that your carrier takes into account is the cost and frequency of prior claims during the past few years. In short, by improving your organization's injury notification times, you can also positively affect the cost of the claim, which in turn can help reduce your overall workers' comp premiums going forward. Here's what you need to know.

One of the biggest challenges as we age is the prospect of having to spend days, weeks, months or even years in a care setting such as a hospital or nursing home.

If you're on Medicare, it can help foot the bill for the first 60 days, but far less in the following 30 days, and after that you are mostly on your own. If you're enrolled in traditional Medicare or a Medicare Advantage plan, you'll be responsible for growing out-of-pocket costs and paying full fare after day 90, or sometimes day 150.

The Centers for Medicare and Medicaid Services has completed a second round of negotiations to lower the prices of 15 expensive and widely used prescription drugs for Medicare enrollees by an average of 36%.

The new prices, which will take effect in 2027, include popular medications like Ozempic and Wegovy, two expensive diabetes drugs that are also effective for weight loss. The list also includes other drugs that treat asthma and COPD, cancers, Type 2 diabetes, arthritis and other conditions. Some drug prices were drastically reduced by 75% to 80%.

The House of Representatives has unanimously approved legislation that would extend Medicare's Acute Hospital Care at Home program for five more years through 2030. The bill now moves to the Senate for consideration.

For Medicare beneficiaries, particularly seniors who prefer receiving care at home or want to avoid extended hospital stays, the Hospital Inpatient Services Modernization Act would help preserve access to a care model that has expanded rapidly since it was introduced in 2020.

While your health insurance will cover most of your health care costs, if you are hit with a serious illness, you'll likely be out more than just your out-of-pocket expenses for health care.

The time off recuperating or receiving treatment can cut into your ability to earn a paycheck and pay the myriad of recurring expenses you're faced with: rent or a mortgage, car payments, credit card payments, utilities, food…you get the picture. Did you know there's an inexpensive solution?

The biggest advantage of term life insurance is that it's affordable. It provides the greatest possible protection for the lowest monthly premium — for a while. Most people buy term life insurance to protect their families for 20 years or so, or until the children are grown. Term life is often the most cost-efficient solution for these temporary protection needs.

But what happens when your term policy is about to expire — and you still need life insurance protection?

A recent decision by a U.S. Court of Appeals illustrates how robust documentation on the part of employers can thwart questionable discrimination lawsuits filed by employees or job applicants.

While the decision by the appellate court for the Fourth Circuit in Chapman v. Maryland Department of State Police is not binding outside Maryland, it reinforces the notion that consistent, specific and timely documentation can defeat discrimination lawsuits before they go to trial.