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A new study suggests that older adults with cancer may be especially good candidates for a little-known Medicare benefit that can make expensive prescription drugs easier to manage financially.

Researchers found that the Medicare Prescription Payment Plan, sometimes called M3P, can significantly reduce the financial strain that often hits Medicare beneficiaries early in the year, when high-cost medications sometimes must be paid upfront. How does it work? Get the details here.

If your commercial building is vacant for more than 60 days, any damage during that time may not be covered by your insurer.

But what if you are renovating the space and have work crews there regularly making improvements? Would your commercial property policy cover damage if sprinklers leak or the facility is vandalized?

State senators have introduced three new bills that aim to address major insurance issues exposed by last year's Malibu and Altadena fires, particularly inadequate policy limits and living cost provisions that run out before a home is rebuilt.

The proposals focus on what happens after a declared disaster. When homeowners are displaced, rebuilding costs spike and many people discover their coverage falls short. Together, they would expand living-expense benefits, speed up claim payments and reduce the risk that homeowners are left underinsured when they try to rebuild.

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.