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When an employee gets behind the wheel on company business, they represent your organization on the road. One poor hiring decision or missing a red flag in a driver's record can lead to costly accidents, liability claims and regulatory trouble.

Motor vehicle record screenings are one of the most effective tools employers have to reduce that risk. But these screenings are not a one-and-done exercise. They should be continuous to reduce your company's risk exposure.

Fed-OSHA has extended its targeted heat illness prevention program for another five years and expanded the number of industries under scrutiny.

The Occupational Safety and Health Administration on Apr. 10 updated its National Emphasis Program (NEP) on indoor and outdoor heat hazards, increasing the number of targeted industries where workers face the highest risk of heat illness to 55 from 33 and extending the program through 2031. Is your industry on the list?

California's workers' compensation rate-making agency has recommended that average benchmark "pure premium" rates increase by 10.4% for policies incepting on or after Sept. 1, 2026.

The Workers' Compensation Insurance Rating Bureau cited an increase in cumulative trauma claims as well as rising medical and administrative costs. The insurance commissioner will still need to weigh in and has the authority to set the rate, so the final change is still up in the air. How will this affect your policy?

You probably haven't thought about it much, but what would you do if you suddenly suffered from a serious health condition, such as a disability? Would a family member be able to take you in and care for you? What would the impact be on their immediate family in regards to finances and emotion? 

What if a family member suddenly suffered from a serious health condition? Would you be able to afford taking them in? Would you sacrifice money as well as time with your children in order to care for them?

There's a simple answer to these questions.

You hear a lot on TV and the radio debating the merits of term insurance versus the merits of permanent life insurance policies, including whole life and universal life insurance.

Anyone who advocates 100% for or against any kind of life insurance structure is missing the point: The best kind of insurance to own is the kind that is in place when the insured dies. Here's how to cut through the noise and find the policy that is best for you.

A family thought their upstate New York home was protected until a fire destroyed it while the homeowner was living in a nursing home. When they filed a claim, the insurer denied coverage and the courts ultimately agreed. Because the named insured no longer lived in the home, the policy did not apply. 

Most homeowners assume their homeowner's insurance covers the house regardless of occupancy. But that's not always the case. Here's what you need to know if you will be out of your home for more than 30 to 60 days.

If you are a Medicare Advantage enrollee, you may have noticed that the number of plans available to you has shrunk during the last Annual Open Enrollment.

It's not your imagination: A research letter published in the medical journal JAMA noted that about 10% of MA enrollees saw their plans discontinued for 2026, forcing them to switch to other MA plans, go back to Traditional Medicare or sign up for a Medicare supplement plan.

What's going on?

Medicare is rolling out a short-term program in 2026 that could make popular weight-loss drugs far more affordable for millions of seniors. The initiative, known as the Medicare GLP-1 Bridge program, will temporarily allow coverage of drugs like Wegovy and Zepbound for weight loss.

Do you qualify for this program?

End-stage renal disease patients who have insurance through an employer health plan or COBRA must be mindful of how the illness changes their coverage to avoid costly out-of-pocket expenses.

Someone who has ESRD has irreversible kidney damage that requires dialysis or a kidney transplant — procedures that are both extremely costly. Once diagnosed with ESRD, regardless of age, you are automatically eligible for a special program known as ESRD Medicare. But if you don't sign up on time, you could face significant out-of-pocket bills.

The primary purpose of life insurance is to deliver a large cash benefit to beneficiaries when the insured dies. Protection is the most important purpose of life insurance, by far.

But today's life insurance policies are versatile and flexible tools. Depending on your carrier and the type of policy you own, the living benefits of your life insurance policy create an asset that can help you and your family achieve a variety of financial objectives, even while the insured is still alive. Here's how one of these dynamic policies can help you. 

Vehicle thefts across the U.S. dropped 23% in 2025, reaching a 15-year low and signaling a sharp reversal from the surge during the pandemic years.

However, despite thefts dropping substantially, cars are still being stolen and you should always take precautions when you leave your car unattended.

A family thought their upstate New York home was protected until a fire destroyed it while the homeowner was living in a nursing home. When they filed a claim, the insurer denied coverage and the courts ultimately agreed. Because the named insured no longer lived in the home, the policy did not apply. 

Most homeowners assume their homeowner's insurance covers the house regardless of occupancy. But that's not always the case. Here's what you need to know if you will be out of your home for more than 30 to 60 days.