This document outlines the key benefits provided by workers’ compensation insurance when employees are injured on the job or suffer occupational diseases. The main benefits include:

• Medical benefits: Covers necessary medical treatments for work-related injuries.

• Disability benefits: Provides wage replacement (temporary or permanent) for employees unable to work due to injury.

• Vocational rehabilitation: Assists employees in returning to work through job training and placement if they can't return to their previous role.

• Death and dependency benefits: Offers compensation and funeral expense coverage for families of employees who die from work-related incidents.

It also emphasizes the importance for employers to understand these benefits to manage claims effectively and reduce costs.

The article attached explains how personal risk perception—how insurance carriers view your risk level—affects the premiums you pay for different types of insurance (home, auto, and life). It outlines practical strategies to help reduce your perceived risk and secure better insurance rates.

These changes reflect the IRS’s annual inflation adjustments for health savings accounts and high-deductible health plans.

The report highlights a significant rise in cargo theft incidents across North America, with 3,625 cases reported in 2024, amounting to nearly $455 million in losses. Key findings include:

• A 27% increase in cargo theft, with California, Texas, and Illinois accounting for 46% of total thefts.

• Warehouses, distribution centers, and truck stops are the most targeted locations.

• Frequently stolen goods include construction materials, electronics, clothing, pharmaceuticals, and food/beverages.

• The average loss per theft increased by 7.7%, exceeding $200,000.

Employers offering group health plans have flexibility in defining eligibility but must comply with several legal requirements to avoid penalties. The document outlines key “Do’s” and “Don’ts” to help employers properly manage health plan eligibility.