Not only do younger people overestimate what a life insurance premium might cost them, they're far less likely to be covered than older generations.

It's a problem will only get worse in the coming years, as the overall population increases--the older adult population in particular.

Many mistakenly believe that top-hat plans are entirely exempt from ERISA's requirements. With one increasingly rare exception, however, ERISA remains an important consideration in how these arrangements are structured.

The bill would encourage development of nonaddictive alternative painkillers, as well as crack down on current opioid distribution.