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Individuals are now exposed to many of the same cyber risks that once targeted only businesses — and the costs to recover from some of these events can be costly. For example, if you are the victim of identity theft, it can cost more than $10,000 to recover after perpetrators open accounts in your name and ruin your credit.

Here's the scary part: Consumer cybercrime complaints and reported losses have reached record levels in recent years, underscoring how common these risks have become, according to the FBI.

When a storm, fire, burst pipe or other covered event damages the home, one of the first things most homeowners do is call their insurance company.

That call officially starts the claims process — and it also starts the clock. From that moment on, your ability to document what happened, what was damaged and what it will cost to repair or replace it can directly affect how long it takes to get paid.

If driving at night feels more stressful than it used to, you are not imagining it.

Headlight glare has become one of the most common complaints among motorists, and safety groups say it is a real and growing issue. The main culprit is whiter, harsher LED lighting, which risks blinding oncoming drivers. This glare can reduce contrast, slow reaction times and make it harder to spot pedestrians, cyclists or road hazards — especially for older drivers.

What can you do?

You're having a party when suddenly the water in your home stops working, and then you notice a rapidly growing water puddle in your front yard. You call a plumber who tells you the main water line is broken and it's going to cost $5,000 to fix.

You call your insurer and find out that your homeowner's policy won't cover the bill and the water company won't cover it either. You're on the hook, but it didn't have to be this way.

A new survey found that many employers plan to add or expand caregiver leave over the next two years as they contend with workforce burnout, changing family dynamics and competition for talent.

The shift comes as caregiving demands intensify across a multigenerational workforce. Many employees juggle work while caring for children, aging parents or other dependents, often with limited financial or workplace support.

Employers are grappling with another year of steep increases in group health plan premiums due to medical cost inflation, higher utilization and rising drug prices.

At the same time, health insurers can no longer shift additional costs to employers and employees through higher deductibles or narrower networks.

Instead, many insurers are pursuing structural changes designed to control long-term costs while improving care quality and member experience. Here's what they are pursuing with the goal of reducing costs for themselves, employers and their covered workers.

A secure retirement does not happen by accident. It is the result of thoughtful planning, realistic assumptions about the future and ongoing attention to how your money will support you after your working years end.

Whether retirement is a few years away or already underway, having a clear plan can help you feel more confident about what lies ahead.

Small business owners are in the unique position of being able to provide additional benefits to their children who work for the company. One smart choice is to include Roth individual retirement account (IRA) as part of their compensation, which can benefit both the children and the business.

Middle-class families — those with incomes of between roughly $50,000 and $180,000 per year (depending on where they live) — are becoming increasingly reliant on workplace benefits to ensure their financial well-being in case of a disability or critical illness.

Simple health insurance is insufficient to carry the load. The loss of a breadwinner's or caregiver's financial contribution through death or disability is often devastating. Here's how you can help.

Many organizations assume that once open enrollment ends and payroll deductions are set, everything will continue to run smoothly. In reality, enrollment changes, life events, terminations, plan switches and billing delays routinely create discrepancies that can quietly cost both employers and employees money.

That's why it's important for employers to conduct regular reconciliations of their benefits offerings.

For most retirees, maximizing the amount of income they can take from their portfolio with minimal tax implications is their main financial objective. This is the one thing that makes everything else possible.

Being able to enjoy time with grandchildren, play golf or travel and secure your savings against the need for long-term care all hinges on your ability to convert your retirement nest egg into income that will last you and your spouse for a lifetime.

In other words, you need a secure income beyond Social Security and your required minimum withdrawals from your retirement accounts. Fortunately, you can create your own pension.

Plaintiff's lawyers are breaking new ground by suing employers for allegedly failing in their fiduciary duties to manage their voluntary benefit plans, including dental, vision, accident insurance, critical illness, cancer and hospital indemnity benefits.

These class action lawsuits typically allege that employers exercise sufficient control over these plans to trigger fiduciary duties under the Employee Retirement Income Security Act and that those duties were breached. Once ERISA applies, employers can face claims tied not just to plan design, but to the prudence of benefit selection and monitoring.