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Despite expected longevity increasing, more and more people will also need long-term care at some point in their life.

But, in the event of a long-term care need, it's important that the family stays focused on the emotional and physical needs of the person needing care. Having properly planned for this eventuality with insurance coverage allows them to do so. Here's how you can plan.

Most Americans tuck their life insurance policies away after purchasing them. But, it's important to review your policy periodically, particularly if you've had any life changes that may require alterations to your coverage. Otherwise, your family could be left with costs and bills they may not be able to cover.

This item sets out some developments that should prompt a policy review.

While you already have enough to worry about when your child leaves for college, you don't want the specter of them dealing with the theft or damage of their possessions while there.

For about $150 a year, you can protect your child's possessions against theft or damage caused by fire, lightning, smoke, vandalism, electrical surges, windstorms or hail, water damage from utilities or appliances, and more. The same insurance also provides liability protection for students living off-campus. Here's how it works.

Back pain is one of the top reasons that people begin to lose mobility in middle age. Besides staying limber and learning techniques to strengthen your core muscles, one of the best ways to be kind to your back is to sleep on a proper mattress. 

Considering that you will spend roughly a third of your life asleep in bed, choosing the right mattress is an essential part of managing low back pain. It can make the difference in whether you can sleep at night and function the next day.

If you haven't nearly been run over by one by now on one of your walks, you may not have noticed that e-bikes are growing in popularity. But, along with the convenience of less pedaling and faster speeds, comes a greater risk of an e-bike rider injuring themselves or a pedestrian, or damaging a third party's property.

Most goods in the U.S. are delivered by truck. Trucking companies, businesses that deliver their own product and their customers rely on well-functioning vehicles and drivers for the success of their operations.

Too often, though, driving a truck is not conducive to good health. That can spell trouble for the drivers and for the profitability of their employers.

Read this to see what you can do to maintain a healthy driving force.

When most people think about job safety and hazards in the workplace, they think about construction and manufacturing work environments.

Office hazards are either forgotten or ignored because the general assumption is that they are minor when compared to those in more labor-intensive work environments. But people do in fact get injured or sickened in offices all the time. Here's what you should be doing to ensure the safety of your office workers.  

Every employer, no matter how small, faces the specter of being sued by a past, present or prospective employee at some time.

In fact, such employment practices claims are widespread - so much so that most businesses are much more likely to have an employment practices liability claim than a general liability or property loss claim. The stakes are even higher now in the #MeToo era. Are you protected?

California Insurance Commissioner Ricardo Lara has approved all of the Workers' Compensation Insurance Rating Bureau's recommended changes to the wage thresholds for construction industry dual classifications to take effect Sept. 1, 2026.

What are the new thresholds?

The economy in mid-2026 can be difficult for retirees, particularly as inflation continues to drive up the cost of everyday staples, electricity, health care and insurance premiums. 

On top of that, people are living longer than ever, so retirees must ensure they don't outlive their savings. How can they do that?

For many retirees, one of the biggest changes after leaving the workforce is that the government eventually requires them to withdraw money from certain retirement accounts.

These withdrawals, known as required minimum distributions, apply to most traditional IRAs and employer-sponsored retirement plans like 401(k)s and 403(b)s. Missing an RMD deadline can trigger significant tax penalties, making it important to understand the rules and plan ahead.

Builders risk policies are nuanced and often include multiple conditions that determine whether the insurer considers a loss a covered event. Those caveats are embedded in the policy's sublimits, extensions and definitions in the endorsements.

To avoid having a claim denied due to these conditions, contractors should pay attention to water damage sublimits, delay-related extensions and key policy terms that may narrow coverage substantially.