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New guidance issued by the IRS expands the types of preventive care benefits that high-deductible health plans are required to cover with no out-of-pocket costs on the part of plan enrollees.

The changes are aimed at reducing out-of-pocket costs for diabetes-related expenses, certain cancer screenings and contraceptives. A second rule will allow health savings accounts to reimburse for condoms.

As we get older there are a number of important birthday milestones when we have to make financial decisions that will affect our retirement.

From your retirement investment accounts, to Medicare and Social Security, it's important that you understand what you can do and your obligations during these milestone birthdays. Here's a look at birthdays that will affect your finances.

For most retirees, maximizing the amount of income they can safely take out of their portfolio is the most important financial objective. It's the one thing that makes everything else possible.

Being able to enjoy time with grandchildren, take time out to enjoy golf or travel, secure your nest egg against the need for long-term care — it all hinges on your ability to convert your retirement pot to an income that will last you and your spouse a lifetime.

Here's how you can do just that.

Spiking inflation between 2021 and 2023 hit many people's pocketbooks hard, forcing many households to sunk further into debt as they had trouble making ends meet. One of the big problems everytime the economy struggles is that Americans are not very good at saving or managing theit debt.

Many people lack the skills or the know-how to get their financial house in order. But with a few simple steps, they can put themselves on a path towards saving money without any overhanging credit card debt.

When Donald J. Trump was president during his first term, he tried but failed to repeal the Affordable Care Act, but succeeded in efforts to expand short-term health plans.

His administration also attempted to make it easier to form an association for the purposes of purchasing health insurance that was exempt from many of the ACA's requirements for health plans, an effort that was beaten back by the courts. Now that he's on his way back to the White House, what can we expect for health insurance coverage and regulations during his second term?

Starting Jan. 1, 2025, California is increasing the minimum liability coverage levels that drivers in the state will be required to have on their auto insurance policies.

The new minimums, double current levels, are meant to keep up with inflation, particularly the cost of car repairs and medical costs. What are the new minimums and why are they still not enough in case of a serious accident?

Mental health experts say that many victims of disasters experience post-traumatic stress disorder, depression and anxiety in the months following these events. The loss of loved ones, jobs, material goods and livelihoods are all traumatic experiences for victims, according to one Red Cross official.

Employers helping their workers cope with experiencing a disaster will generally find that having an employee assistance program in place is invaluable. Here's what you can do to help your staff. 

If you have outdoor workers or staff that will have to venture out into the elements during an especially cold winter, you need to make sure you are taking the correct precautions to keep them safe.

If the conditions are extremely harsh, your workers are at heightened danger of injury, or worse. But even if you have employees who are outside for short periods, they can also suffer injuries if they are not prepared. Here's what you should be doing.

With sexual harassment and other bullying behaviors receiving more attention, and with lawsuits increasing, employers have been busy updating or creating anti-harassment policies and training their employees.

Besides the fallout from having sexual harassment occur in the workplace, employers may be targeted in "negligent hiring" charges if victims of on-the-job harassment file suit. That's why much of the conversation among HR specialists and risk managers is avoiding hiring harassers, or potential harassers, in the first place. Where do you start?

Many businesses of all sizes choose to outsource employee management to leasing firms, attracted by the reduced paperwork, benefits costs and legal obligations they would otherwise have.

The business of leasing workers to other employers has become a 120 billion-dollar industry, according to the National Association of Professional Employer Organizations. However, employee leasing comes with risks that business owners should contemplate before making the leap into such an arrangement.

Linda is a junior partner in a law firm and drives a car that the firm owns and insures. The firm's auto insurance covers her as a partner and she doesn't own another car, so she sees no need to have her own policy.  

Most of the time, this is not a problem. But then she takes her kids to DisneyWorld. She rents a car at the Orlando airport and never gives a thought to whether her firm's insurance will cover her if she has an accident with the rental. In this case, a phone conversation with the firm's insurance agent would have been a great idea.

Due to the elements, winter is the most dangerous time of year for driving due to the variety of elements that motorists face.

Snow, ice, slush, wet roads, fog and heavy rain can all make driving difficult, but ensuring that your drivers are trained to handle these conditions and take precautions and plan ahead can reduce the chances of an accident. If you have driving staff you should hold a safety meeting ahead of or at the start of winter conditions. Doing so can save you from a costly insurance claim or lawsuit.