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You have got a great group of employees working with you and your business is thriving. You know much of that success is due to one or two key individuals with both skills and personalities that would be difficult to replace. Imagine they were injured and out of work for a while, or even worse, suppose they died unexpectedly? Would your business survive?

The Americans with Disabilities Act requires employers to provide reasonable accommodations to qualified employees with disabilities.

While the law does not explicitly mandate an interactive process, courts and the Equal Employment Opportunity Commission strongly favor it. A failure to properly engage in this process can lead to legal exposure and claims of discrimination.

The U.S. Treasury Department has announced that it will not enforce a law requiring most businesses with fewer than 20 employees and less than $5 million in annual revenue to report ownership and control information to the federal government every year.

The Corporate Transparency Act required firms to file this information by Jan. 1, 2025, under the threat of a maximum civil penalty of $500 per day (up to $10,000) and up to two years in prison.

Farm operators rely on experienced workers to handle grain trucks, tanker trucks, worker transport buses and vital machinery like combines, pesticide sprayers and planters. But an ongoing labor shortage is increasing risks, as less-experienced workers are stepping into these critical roles.

The Federal Communications Commission has issued a warning about a surge in "grandparent scam" calls, a type of fraud that often targets elderly individuals.

Grandparent scams typically start with a phone call where the fraudster impersonates a relative, often claiming to be a grandchild in desperate need of help. Here's how these scams work, how to identify one and what to do if you think you are being targeted.

Medicare Advantage plans frequently provide supplemental benefits not covered by traditional Medicare, such as dental, vision, hearing services, gym memberships and meal delivery programs. However, they often go unused.

For many Medicare Advantage enrollees, finding a doctor who accepts their plan should be straightforward since each plan typically has a network of physicians available for beneficiaries.

However, due to doctors retiring or deciding to stop accepting new patients, some Medicare Advantage plans include physicians who are no longer available to their policyholders or who don't actually accept their plan. Welcome to the problem of Medicare Advantage "ghost networks."

Taking pictures after a car accident can be crucial for your insurance claim, as they provide irrefutable evidence of the damage, injuries and surrounding conditions, helping to establish fault and support your compensation claims.

Thanks to our smartphones, almost everyone has a camera with them at all times. If you are in an accident, you should put it to good use.

This looks at how a homeowners' policy can be voided if a person lies about the extent of their lost or damaged items in a claim.

While your health insurance will cover most of your medical expenses, and costs associated with some medical issues, it won't cover you for lost income and non-medical expenses you incur if you are unable to work due to your illness.

So, how do you pay for the expenses that medical insurance and disability insurance do not cover?

Many employers may offer group life insurance and death benefits to their employees and these policies are purchased to help your family in case of your death.

But if an individual misses more than 30 days of work or their hours dip to below 20 a week, the policy could lapse.

President Trump has issued an executive order to ensure that invitro fertilization treatments are covered at a lower out-of-pocket cost to employees. Here's a look at the specifics.