Learn the key benefits of workers’ compensation insurance, including medical coverage, disability support, vocational rehab, and death benefits for employees.

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 urges businesses to enhance security measures to mitigate financial and operational risks associated with cargo theft.

This document discusses how certain state insurance laws may conflict with federal Health Savings Account (HSA) eligibility requirements. Some states mandate that health insurers count third-party payments (e.g., drug manufacturer discounts, coupons, or vouchers) toward an enrollee’s out-of-pocket expenses. However, to maintain HSA eligibility, federal rules require that only actual expenses paid by the insured individual count toward the deductible.