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For many workers, retirement marks the first time they must make complex health coverage decisions on their own. After years of relying on employer-sponsored insurance, the transition to Medicare can feel abrupt and confusing, often leaving employees unsure of what to do next.

Employers that step in to guide workers through this transition can improve retirement outcomes, reduce benefit costs and strengthen employee trust. When older employees understand their Medicare options, they are more likely to retire on time, avoid costly mistakes and feel supported by their employer.

Health insurers are reporting progress on their voluntary effort to streamline prior authorization. They say they are on track to standardize the process for submitting prior authorization requests for coverage for many common procedures by Jan. 1, 2027.

The push, led by America's Health Insurance Plans and supported by major carriers, aims to standardize how prior authorization requests are submitted and reviewed across commercial plans, Medicare Advantage and Medicaid-managed care. Insurers say the goal is to reduce paperwork, speed decisions and improve consistency, though many of the commitments remain voluntary and vary by carrier. How will your employees benefit?

Imagine two friends, Viktoria and Jon, who both want to save for the future. Viktoria starts saving $50 a month at age 20, while Jon waits until he's 30 but saves $100 a month. Even though Viktoria started earlier, Jon puts in twice as much each month.

Who ends up with more money by the time they turn 60?

Nearly half of Americans say they feel financially prepared for retirement, but a closer look shows a wide gap between confidence and reality — particularly among younger workers.

Empower's latest "Retirement Readiness Snapshot," found that most respondents are unsure how they will fund their later years. The findings highlight a mix of cautious optimism and lingering concern about inflation, health care costs and long-term savings.

The Aegon Center for Longevity and Retirement worked with Transamerica Center for Retirement Studies to release a survey about retirement outlooks for self-employed individuals. Their study base spanned 15 countries including the United States. Over the years, self-employment has been a term linked mostly to professionals, some trade workers and entrepreneurs. With so many advances in technology, many people are self-employed today with their own websites, online businesses and independent gigs.

Three Southern California residents have been sentenced to 180 days in jail after pulling off what may be one of the most unusual schemes in recent memory: staging bear attacks on luxury cars — with a human in a bear suit doing the dirty work. 

The trio clawed their way to more than $141,000 in insurance payouts by filing claims that a wild bear had broken into a 2010 Rolls-Royce Ghost in Lake Arrowhead and scratched up the interior. Not content with just one successful scheme, they filed additional claims involving two Mercedes-Benz vehicles, all allegedly mauled by the same very busy "bear."

California lawmakers are advancing a package of wildfire-focused legislation aimed at helping homeowners better protect their properties while stabilizing a strained homeowner's insurance market. The effort follows years of destructive fires and insurer pullbacks that have left many residents struggling to find or afford coverage.

Three key bills are designed to give homeowners more tools, clearer guidance and, ultimately, better access to insurance.

It's normal for our mood and energy levels to fluctuate every now and then. However, it can affect our daily routine, including how we normally function in our everyday lives.

While we can't always control what triggers our stress and mood changes, there are certain steps you can take to controlling them without having to resort to alcohol or other vices. Here's how you can boost your mood and mindset naturally.  

While teenagers react with glee when they get their driver's license, for parents it is a time of angst and the specter of higher insurance premiums.

Sticker shock is not uncommon when parents receive that first quote for coverage, but there's a reason for those higher rates. Teen drivers are unproven and due to their lack of experience behind the wheel, insurers try to protect themselves with higher premiums. But don't fret. There are a number of ways to reduce the cost of teen drivers' insurance costs. This item highlights seven of them.

More than two-thirds of renters are uninsured for fire, natural disaster and burglary.

Why do so many people take this unnecessary risk? Some may think that their landlord's insurance will cover any claims, or that only houses are broken into – and not apartments.

But the fact is that more apartments are broken into than houses, and apartments also burn. Worse yet, if a fire starts in one unit it will often affect nearby flats, as well. Here's a look at why you should spring for coverage if you're a renter.

Today's smart home technology has become synonymous with convenience, but it can have a significant positive impact on the quality of life for seniors.

It can make their homes easier to manage and it can also make them safer. This is particularly the case for older adults who need to take medication on schedule, and for those whose mobility is impaired.

Employers generally understand their obligations when harassment comes from supervisors or co-workers. The risk becomes less clear when the offender is a customer, vendor or outsider, but the legal exposure does not disappear.

While federal statutes like Title VII of the Civil Rights Act do not explicitly address third-party harassment, the Equal Employment Opportunity Commission and most federal courts apply a negligence-based framework. The focus is on what the employer knew and how it responded. Once an employee reports harassment, an employer's defense weakens if it fails to act.