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Workers' compensation: Separating fact from fiction

Accidents happen. Sometimes they're impossible to avoid -- unpredictable weather -- or unforeseeable -- a machine malfunctions for no apparent reason. Other times, it could be simple human error, from a co-worker's careless mistake to your own momentary distraction. Whatever the reason, the bottom line is that you suffered an injury on the job and are unable to work.

Have your beneficiaries been reviewed lately?

When you purchased life insurance and started your retirement savings account, you were instructed to name a beneficiary for those funds. And like most people, you probably haven’t thought twice about it since. But as time goes by and life changes occur, it becomes increasingly important to review all aspects of your estate plan, especially your beneficiary designations.

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