Some see record oil production and more alternative routes for delivery once the Strait of Hormuz fully opens.
SUCCESS
U.S. CFTC joins SEC in proposing crypto regulations, though spot-market gap lingers
The derivatives regulator is proposing two rules meant to cover the waterfront of crypto activity and exchanges, as long as it’s not simple, direct trading.
7 Best Travel Insurance Companies for Seniors of October 2026
Key Takeaways
Seven Corners, Travel Insured International, HTH Travel Insurance, IMG Travel Insurance, World Trips, Faye and John Hancock rank among the best travel insurance companies for seniors.
Travel insurance can help you recover your money if your flight is delayed or canceled, if you lose your baggage, or if you get sick or injured during your trip.
Many travel insurance plans have a generous upper age limit — up to 99 years of age. However, certain benefits (adventure sports coverage, for instance) may have lower age caps.
A policy typically costs 4% to 12% of what you paid for the entire trip, according to multiple insurers and online marketplaces. Our research found costs ranging from $150 to $630 for two travelers aged 65 and 70.
Some travel insurance companies offer group coverage for those traveling with five or more people. This can help seniors taking family trips or traveling with other seniors.
Methodology: Our team vetted 20 companies based on 15+ data points. We read the fine print and compared coverage options and prices to determine which insurers best serve the needs of older travelers.
Our top picks for the best travel insurance companies for seniors
Seven Corners – Best for Group Travel Insurance
Travel Insured International – Best for Multi-Trip Travel Insurance
HTH Worldwide – Best for Medical Coverage
IMG Travel Insurance – Best for High Dental Coverage
Faye – Best for 100% Digital Travel Insurance
John Hancock – Best for Trip Delay Coverage
WorldTrips – Best for Upgrades & Add-ons
Pros
Easy enrollment for groups of 10 or more
24/7 multilingual travel support
Optional sports and golf equipment rental up to $5,000
Annual, multi-trip protection available
Cons
Pre-existing conditions waiver only available with Trip Protection and Trip Protection USA (if you purchase the medical bundle)
Medical benefit maximum of $10,000 for people 80 and older
HIGHLIGHTS
A.M. Best rating
A+ (Superior)
TrustPilot score
4.5
BBB rating
A+
Why we chose it: We picked Seven Corners as the best option for group travel insurance for seniors because it offers both trip protection and medical-only insurance plans for groups of 10 or more. With these plans, there is a primary insured person, and the other traveling companions are covered under the same policy.
Travelers can choose between comprehensive trip protection plans or just medical coverage, with the option to customize coverage for one or more travelers based on their needs. Both options include trip cancellation, bag delay and medical coverage.
Seven Corners offers primary medical coverage, which means that the insurer pays out first if you get sick or injured during the trip, as opposed to secondary coverage. The latter requires that you file a claim with your regular health insurer first.
Optional benefits include coverage for car and sports equipment rental, event tickets, “cancellation for any reason” and “interruption for any reason,” which cover up to 75% of non-refundable trip costs. There’s also coverage for expats and “nomads,” so if you plan to travel abroad for a while, it could be a good option.
The company has strong Trustpilot reviews but has a low Better Business Bureau rating (1.75 out of 5) and 30 complaints filed against it in the last three years. Its Trustpilot rating has increased slightly in recent months.
Pros
Single-trip and annual travel insurance plans
$500 pet kennel coverage maximum
Optional interruption for any reason coverage of up to 75% of trip costs
Free cancellation within 14 days of booking
Cons
Annual plan not available for residents of Missouri, Montana, New York or Washington
Natural disaster evacuation coverage only available with the premium plan
16% of Trustpilot reviews are only 1 to 2 stars
HIGHLIGHTS
A.M. Best rating
A+ (Superior)
TrustPilot score
4.1
BBB rating
A+
Why we chose it: Travel Insured International is our pick for the best multi-trip travel insurance option for seniors because it offers frequent travelers an annual plan that includes trip protection and medical coverage that is valid on multiple trips.
If you plan on making several trips in the coming year, Travel Insured International’s annual multi-trip plan offers trip protection and medical coverage for all of them. That saves you the hassle of having to purchase insurance for each trip. Plans start at $94 per year for adults and $64 per year for children.
The company offers $100,000 for accident and sickness expenses per trip and $100,000 for medical evacuations. The plan also allocates $2,500 per trip for bag loss or theft and has a trip delay benefit of $5,000 per trip ($200 per day) for delays of 12 hours or longer. There’s also a missed connection reimbursement of up to $500 per trip.
The cost of the base annual multi-trip plan is $94 a year for adults and $64 per year for children and increases with any upgrades you add.
While Travel Insured does have a 4.1 out 5 score on Trustpilot, 16% of its reviews are only 1 or 2 stars. It currently has 3.8 out of 5 stars based on Better Business Bureau reviews. This has improved slightly in recent months.
Pros
Worldwide access to health services via the mPassport app
24/7 global medical assistance
Trip interruption coverage of up to 200% of tour cost
Covers up to age 95
Direct payment available if you use HTH’s network of medical providers
Cons
Some plans require travelers to have an existing primary health plan
Cancel for any reason not available to New York or Washington residents
Few customer ratings and reviews available
HIGHLIGHTS
A.M. Best rating
A
TrustPilot score
3.2
BBB
N/A
Why we chose it: We picked HTH Worldwide as the best medical coverage travel insurance for seniors because it includes full coverage for doctor visits, diagnostics labs and X-rays. It also offers direct payment (from HTH to the medical provider) if you use someone within HTH’s approved network. That means there’s not waiting around for reimbursement checks to come in.
HTH Travel Insurance offers two travel medical insurance plans — one for travelers with a primary health insurance plan and one for travelers who don’t have health insurance. Both plans allow customers to choose between four medical benefit options ($50,000, $100,000, $500,000 or $1,000,000) and four deductible options ($0, $100, $250 or $500). There are also single-trip, multi-trip and long-term coverage options.
Besides travel medical coverage, HTH Travel Insurance offers three trip protection plans — TripProtector Economy, TripProtector Classic and TripProtector Preferred. All three plans include trip cancellation, trip delay and trip interruption coverage. The trip interruption coverage covers up to 200% of trip costs, the highest percentage out of all the companies on our list. A highlight of HTH’s travel coverage is that it can include preexisting conditions, as long as you pay your premium within a certain period after booking. There’s also group coverage for those traveling with five or more people.
It’s important to note that while HTH’s Trustpilot score looks fairly low (just 3.2 out of 5 stars), it’s based on just two reviews. There have been no complaints or reviews filed with the Better Business Bureau as of Sept. 24, 2026.
Pros
Dental coverage limit of up to $1,000
Plans for airline and cruise travel
Up to $500,000 in primary medical coverage available
Several plans cover preexisting conditions
Up to age 99 covered
Cons
Budget plan offers secondary medical coverage
“Cancel for any reason” add-on is only available on one plan
Limited add-on options
HIGHLIGHTS
A.M. Best rating
A (Excellent)
TrustPilot score
4.6
BBB rating
B
Why we chose it: IMG Travel Insurance (International Medical Group) offers comprehensive travel insurance and excellent health care benefits, which is important for seniors. In particular, its two higher-tier iTravelInsured plans stand out for offering $1,000 in dental coverage with every plan. This dental limit is somewhat of a rarity, as most of the plans we surveyed cap dental coverage at $750.
IMG Travel Insurance sells plans for both airline and cruise travel, as well as plans tailored to adventure sports enthusiasts and budget-conscious travelers who just need the essentials.
All of its travel insurance plans cover up to $1,000 for dental injuries abroad (like infections or broken teeth) as well as take-home prescriptions and supplies.
All of IMG’s insurance plans offer round-the-clock non-insurance services, including but not limited to: emergency cash transfers, medical referrals, help with lost travel documents, emergency translation services and embassy or consulate referrals. There are also dedicated medical plans that offer up to $8 million in coverage.
IMG also has one of the highest Trustpilot ratings out of all travel insurance companies we analyzed: 4.6 out of 5 stars on almost 25,000 reviews. It has had 186 complaints filed with the Better Business Bureau in the last three years.
Pros
Fully digital claims process
Mobile app provides information on flight delays and gate changes, plus baggage claim updates and telehealth services
Add-ons for pet care, cruising and adventure sports
Reimbursements go straight to a digital wallet for easy access
Cons
Some benefits aren’t available in every state
Doesn’t sell policies through popular insurance marketplaces
Very tech-driven, so may not be the right fit for every senior
HIGHLIGHTS
A.M. Best rating
A+
TrustPilot
4.8
BBB rating
A+
Why we chose it: Faye travel insurance offers a travel insurance product that’s highly customizable for tech-savvy seniors. The claims and reimbursement process is fully digital, and is supported by a user-friendly webpage and a mobile app to manage your policy on the go. It also comes very highly rated.
Older travelers comfortable with technology can purchase and manage their policy and file claims through the mobile app, with the option to chat with a live representative 24/7. The app can also connect you to telehealth services, find pharmacies, call your local embassy, check the weather and convert currency. There’s a 24/7 concierge available, too.
Another standout feature is Faye Wallet, a digital wallet within the Faye app that connects to your Google Pay or Apple Pay accounts for faster reimbursement.
You can further customize this travel plan with add-ons that cover veterinary or kennel costs, rental car damage and theft, adventure and extreme sports (regardless of age) and accidental damages to your rental residence.
Faye has the highest Trustpilot rating of all insurers on our list. It boasts a 4.8 out of 5 on nearly 5,000 reviews, and 94% of those reviews are either 4 or 5 stars. The company also has a 4.18 with the Better Business Bureau, and only 34 BBB complaints in the last three years. Domestic coverage costs as little as $4.36 per day, and international coverage starts at $5.76 per day.
Pros
Travel delays are eligible for coverage after just three hours
Preexisting conditions waiver on all plans
“Cancel for any reason” add-on available on all plans
Cons
Baggage delay benefit requires a 12-hour delay
No mobile app support
No concierge services for non-emergency travel needs
Few customer ratings and reviews available
HIGHLIGHTS
A.M. Best rating
A+
TrustPilot score
2.3
BBB rating
A+
Why we chose it: We selected John Hancock Travel as the best travel insurance for trip delays for seniors because of its short delay times. Policyholders can file a trip delay claim if their travels are delayed for as little as three to six hours (most insurers require that you wait 12 hours or more).
John Hancock Travel offers short delays — with fee variations — across the board, even with its least expensive plan. The plans differ in how much you can be reimbursed.
The Gold plan can reimburse you up to $1,000 ($200 per day) if your travels are delayed for three hours or more. The Silver plan, on the other hand, can reimburse up to $750 ($150 per day) with the same time requirements. Lastly, the Bronze plan offers the lowest coverage limit ($500) and has a slightly longer minimum delay requirement of six hours.
Finally, policyholders can upgrade any of John Hancock’s travel insurance plans with add-ons for “Cancel for any reason,” rental car collision and in-flight accidental death & dismemberment.
John Hancock doesn’t detail its plan options or coverages very clearly on its website, so you’ll need to apply for a quote to see your options. Also, while its Trustpilot score looks like, it’s based on only six reviews. The majority of its complaints and low ratings with the Better Business Bureau pertain to other financial products the company offers.
Pros
Travel delay coverage after just five hours
Choice of 75% or 50% “cancel for any reason” coverage
Cons
Not all add-ons are available in every state
HIGHLIGHTS
A.M. Best rating
A++ (Superior)
TrustPilot score
4.6
BBB rating
A+
Why we chose it: WorldTrips stands out for its supplemental coverage options, which should appeal to seniors. Policyholders can upgrade the basic travel insurance plan with several add-ons and add new covered events to boost their coverage.
Upgrades to any WorldTrips travel insurance include those for adventure sports, rental cars, pet care, destination weddings, “cancel for any reason” and “interrupt for any reason.”
Older travelers may want to consider the Elevate plan due to its high medical expenses and emergency medical evacuation coverage. This option includes up to $250,000 in primary accident, sickness, and medical expense coverage; $750 in dental coverage; and $1 million in medical evacuation and repatriation. The Explore and Escape plans both offer primary medical coverage up to $250,000 and $1,000,000 for emergency evacuation and repatriation, respectively.
WorldTrips has strong customer reviews, with 4.6 stars out of 5 on Trustpilot. Nearly 90% of its over 2,000 reviews are either 4 or 5 stars. Its ratings have increased in recent months, and there have been only 27 complaints filed with the BBB against WorldTrips in the last three years.
Other travel insurance companies we considered
The following companies didn’t make it to our top picks, but they are still worth considering if the coverage and benefits suit your traveling needs. Read our full reviews to learn more:
Tin Leg
Tin Leg travel insurance offers nine travel insurance plans, including policies designed for seniors, cruise travelers and adventure sports enthusiasts. The coverage benefits are on par with the top insurers on the market, including coverage for travel delays, cancellations, lost luggage and medical emergencies, as well as extra rental car insurance and coverage if your trip is cancelled or cut short for any reason. The company also boasts a 4.5 rating on Trustpilot.
Why it didn’t make the cut: Unfortunately, Tin Leg’s minimum wait time to file a claim for baggage delay is 24 hours on the majority of its plans. By contrast, most other companies in our top picks accept lost baggage claims after 12 hours. Considering this is one of the most common travel inconveniences, the shorter the claim filing time, the better.
Travelex
Travelex Insurance Services offers three insurance plans: Essential, Advantage and Ultimate. These include coverage for trip cancellation, trip interruption and loss of personal items. Policyholders can further enhance their protection by purchasing nine add-ons, which include car rental coverage, adventure sports, increased medical expenses, additional baggage, cancel for business reasons, rental property coverage and emergency evacuation. The company also boasts strong reviews, with a 4.5 out of 5 on Trustpilot.
Why it didn’t make the cut: Preexisting condition coverage is important for many senior travelers, but it’s only available as an add-on for the Ultimate plan, the company’s most expensive option. Other insurers allow you to add a preexisting condition waiver to most plan options.
Berkshire Hathaway
Berkshire Hathaway offers three travel insurance options, including ExactCare Value, its most affordable plan. This plan includes the basics: trip cancellation, trip interruption, delay and baggage loss or theft.
Why it didn’t make the cut: While Berkshire Hathaway offers competitive travel insurance plans, we found that other insurers on our top picks offered similar benefits and more add-ons such as adventure sports coverage and riders for “cancel for any reason” and “trip interruption for any reason”.
What you need to know about travel insurance for seniors
Travel insurance for seniors is the same as travel insurance for any other age group, but there are some considerations for individuals aged 65 and above, mainly regarding medical benefits:
A minimum of $50,000 in medical coverage is recommended if you’re traveling abroad
Preexisting condition coverage is very desirable
Older travelers should also note that there’s a time limit for getting a preexisting conditions waiver. Insurance providers often require individuals to select the waiver (and purchase their policy) within 14 to 21 days of making their initial trip payment.
Some plans only cover travels up to a certain age, though we found plans that go up to age 99.
How much does travel insurance cost for seniors?
Travel insurance costs can vary widely. According to Generali Global, travel insurance costs between 4% to 12% of the total trip cost.
We surveyed 20 travel insurance companies and found that premiums ranged from $150 to $630 for two travelers who are aged 65 and 70, respectively, on a two-week trip to Spain. The combined trip cost was $4,225.
Costs vary based on the plan you choose and what it covers. The plans with the highest coverage limits for medical expenses, personal property and trip protection had the highest price tag.
How to get travel insurance as a senior
Read on for a breakdown of the steps to get travel insurance.
1. Assess your travel insurance coverage needs
When planning your trip, consider both your health conditions or specific needs and the activities you intend to engage in. Additionally, take stock of any credit card travel benefits and evaluate the coverage you’ll need depending on the destination.
For instance, international travelers should seek a plan with primary medical coverage, since domestic health insurance does not apply when traveling abroad. Conversely, domestic travelers who already have medical insurance may want the most coverage for prepaid trip costs, such as airfare, hotel and excursions.
2. Request and compare travel insurance quotes
Request quotes from several companies and review the plan documents, paying close attention to the policy’s fine print. In particular, look into each provider’s benefits for medical expenses, bag delay or loss, trip cancellation or interruption, and medical evacuation.
You can expedite this process by using a marketplace website like Squaremouth or TravelInsurance.com.
3. Declare any preexisting conditions during the application process
Next, disclose any preexisting condition to the provider to ensure coverage for flare-ups or emergencies related to it. Stable conditions like asthma are typically not considered preexisting.
For travel insurance providers, a preexisting condition is an injury or illness that prompted medical diagnosis or treatment during the policy’s lookback period — which is usually 60 to 90 days prior to the policy’s effective date, but sometimes up to six months.
4. Carefully read policy details, conditions and exclusions
Read the plan documents closely to ensure the policy aligns with your needs. As companies have strict definitions of coverage, you’ll want to make sure that you understand exactly what’s covered and how to properly use benefits when needed. Learning about the policy will also help you make a well-informed decision.
Latest news in travel insurance
The average total trip cost is increasing, according to travel insurer Squaremouth. The typical trip cost nearly $7,399 between Sept. 28, 2025 and Sept. 28, 2026 — a nearly 5% increase in just one year. As these costs increase, travel insurance may be more worth it to some travelers.
Travelers are most concerned with having emergency medical care and medical evacuation services when they’re traveling, according to the Squaremouth report. Primary medical care and having pre-existing condition coverage are also among the biggest concerns.
Flight delays and cancellations have become common in recent weeks. Over 793 U.S. flights were delayed and 35 were canceled on Sept. 24 alone as the industry grappled with technical issues that arose days before. Earlier in the week, over 400 flights were canceled and hundreds more delayed across the East Coast.
Methodology
We gathered sample quotes from 20 travel insurance companies, reviewed the benefits and selected the best travel insurance plans based on the following factors:
Medical expenses coverage: Our top picks offer at least one plan option that covers $100,000+ for medical bills and $500,000+ for emergency evacuation and repatriation of remains.
Travel-delay coverage: Delays are common in air travel, and waiting hours to file a claim is highly inconvenient. We prioritized insurers with short delay time requirements and excluded those requiring delays of at least 12 hours before accepting a claim.
Baggage-delay coverage: Luggage delay is another common problem during air travel. We included providers allowing claims within 12 hours, excluding those requiring travelers to wait up to 24 hours. This coverage is crucial as it helps mitigate the inconvenience of having to repurchase or go without essential travel items.
Baggage loss or theft: Our top picks offer at least one plan option or upgrade that covers baggage loss or theft for up to $1,000 or higher.
Trip cancellation and trip interruption: Our top picks cover 100% of prepaid, non-refundable travel expenses in case you need to cancel your trip as well as 100% to 175% of these expenses if your trip is cut short.
Add-ons: We took special note of add-ons such as “Cancel for Any Reason” (CFAR coverage), adventure sports and car rental collision coverage as well as upgrades to existing coverage levels.
Non-insurance services: We favored insurers that offer additional assistance services for inconveniences and emergencies that can take place during a trip, including multilingual translation and concierge services.
Travel Insurance for Seniors FAQs
Does Medicare cover me when I travel overseas?
Medicare typically doesn’t cover medical treatment outside the U.S., except in particular situations. It may cover inpatient hospital, doctor and ambulance services abroad if immediate medical care is needed and the nearest hospital equipped to offer adequate treatment is a foreign facility.
Does travel insurance cover pre-existing medical conditions?
Travel insurance covers pre-existing medical issues, if you meet the requirements. You’ll need to purchase the policy within 14 to 21 days (the actual number varies by insurer) after you make the first trip deposit — this typically refers to flight reservations. A handful of companies require you to purchase coverage even sooner — up to 24 hours after the initial trip purchase.
Travel insurance will exclude preexisting conditions if you don’t purchase the policy within the stipulated time frame. This means that any medical conditions present anywhere from 60 to 180 days before the policy’s activation are excluded.
Is there an age limit for travel insurance?
While travel insurance doesn’t have an age limit, some providers might impose restrictions or limits on medical coverage and other benefits based on the traveler’s age. Money found insurers that offer coverage for senior travelers up to age 99.
What is the best travel insurance for seniors?
That depends on your exact needs, budget and medical conditions. But we found that Seven Corners, Travel Insured, HTH, IMG, Faye, John Hancock and WorldTrips had some of the best travel insurance options for seniors on the market.
Who has the cheapest travel insurance for seniors?
That depends on what type of coverage you’re looking for. For annual trip coverage, Travel Insured International plans start at just $94. Always get quotes from several companies to get the best deal. Top travel insurers to consider include Seven Corners, WorldTrips, HTH Travel Insurance and Faye.
Summary of Money’s 7 Best Travel Insurance Companies for Seniors of October 2026
Seven Corners – Best for Group Travel Insurance
Travel Insured International – Best for Multi-Trip Travel Insurance
HTH Travel Insurance – Best for Medical Coverage
IMG Travel Insurance – Best for High Dental Coverage
Faye – Best for 100% Digital Travel Insurance
John Hancock – Best for Trip Delay Coverage
WorldTrips – Best for Upgrades & Add-ons
The Legal Details That Matter When Pursuing a Wrongful Death Lawsuit
A wrongful death case is not a story most founders expect to be in. It arrives as a call, a name, and a stack of questions that do not wait until the business is quieter. Who is allowed to file, who else may be responsible, what can be proved, what the family has lost, and how long the law gives you all sit underneath the outcome. The piece below is the plain version of those questions, before anyone is asked to guess at a result.
Several legal questions sit behind a wrongful death lawsuit long before the case reaches a final outcome. The people involved, the party who may be responsible, the evidence available, the losses that can be documented, and the deadline for taking legal action can all affect how the case is handled. Pursuing a wrongful death lawsuit therefore involves more than presenting the basic facts surrounding a death.
Each detail has its own place in the legal process, and some issues may require closer review than others. Looking at these details together helps show what can shape the case from its foundation through the stages that follow.
Establishing Who Can Bring the Lawsuit
The first legal detail is identifying who has the right to bring a wrongful death lawsuit. The answer is not the same in every situation because state laws can set specific rules about who may file and how the case may be handled.
A surviving spouse, child, parent, or another eligible person may have a role under the law that applies to the case. In some situations, a personal representative of the estate may also be involved.
The relationship between the person who died and the person bringing the case can therefore matter. Legal records may be needed to establish that relationship and the person’s role in the lawsuit.
Identifying the Parties Connected to the Death
A wrongful death case also requires attention to the parties connected to what happened. The person responsible may not always be the only party involved. Depending on the circumstances, a business, employer, property owner, driver, or another organization may have a connection to the events.
The available facts help identify which parties need to be considered. Accident reports, workplace records, property information, medical records, and other documents may provide useful details about the circumstances.
Identifying the right parties early can help keep the case focused. It also gives the legal process a clearer record of who may be connected to the events being examined.
Building the Case Around Evidence
Evidence gives structure to the facts of a wrongful death case. Without a clear record, important parts of the circumstances may be difficult to establish.
Relevant evidence can include:
Police or accident reports
Medical records
Photographs and video
Witness statements
Employment and financial records
Each source can provide a different part of the account. A photograph may show conditions at an accident scene, while a witness statement may describe what was seen. Medical records can provide information about the injuries and treatment that followed.
The strength of the record depends on the facts and evidence available. Each document needs to be reviewed in relation to the circumstances of the death.
Understanding the Losses That May Be Part of the Lawsuit
The legal details do not stop with the cause of death. A wrongful death case may also involve losses connected to the person who died and the surviving family members.
Depending on the law that applies, these losses may include funeral expenses, medical costs related to the final injury or illness, lost income, and other documented losses. Some laws may also recognize other types of damages.
The records supporting these losses can be important. Bills, income records, employment documents, and other financial information can help show the amounts involved.
The types of losses that may be considered depend on the applicable law and facts of the case, so each matter requires its own review.
Paying Attention to the Filing Deadline
Time can become one of the most important legal details in a wrongful death lawsuit. Laws often set a deadline for starting legal action, commonly known as a statute of limitations.
That deadline is not necessarily the same for every case. It can depend on the state, the type of claim, and other facts surrounding the death. Certain circumstances may also affect how the deadline is calculated.
Because missing a legal deadline can affect the ability to pursue a case, the applicable time limit needs to be identified as part of the legal review.
Preparing for Disputes Over Fault or Damages
A wrongful death lawsuit may involve disagreements about responsibility or the losses being claimed. The opposing side may challenge the facts, question the evidence, or disagree about the amount of damages.
These disputes can bring more attention to the records supporting the case. Witness accounts may need to be compared, documents may need further review, and certain facts may remain contested.
A disagreement does not mean every part of the case is unclear. It means the disputed points need to be separated from the facts that can be supported by available evidence.
Bringing the Legal Details Together
By the end of the review, the strength of the case often comes down to how well its separate details fit together. Who can bring the lawsuit, which parties may be involved, the evidence available, the losses that can be documented, and the applicable deadlines all have a place in the process.
Pursuing a wrongful death lawsuit means keeping these details connected while paying attention to anything that could affect the case later. A careful review can help keep the focus on the facts, the available evidence, and the circumstances surrounding the death.
The post The Legal Details That Matter When Pursuing a Wrongful Death Lawsuit appeared first on Addicted 2 Success.
Why Safety Data Gets Ignored at Work (And How to Fix It)
A near-miss that never gets written down is still a near-miss. If you run a warehouse, a plant, or a crew, the report in your inbox is usually the small share of what happened on the floor. The rest never makes the form, because the form was built for an audit, not for the person holding the clipboard. The notes below are about that gap: why the data gets ignored, and the few habits that get someone to act on it.
Eleven percent. That is roughly the share of workplace injuries that get reported, according to long-standing estimates from the Centers for Disease Control and Prevention. Which means the paperwork sitting in your inbox tells you about a small slice of what is actually happening on the floor. I have watched supervisors build entire monthly meetings around that slice, then wonder why the same near-miss keeps showing up in the same aisle.
Here is the uncomfortable truth: most safety data fails because the system that collects it was built for the auditor, not the person doing the work. If you run a warehouse, a plant, or a jobsite, you already know the drill. Someone fills out a form. The form goes into a binder or a portal. Nobody reads it. Then a regulator or an executive asks a question, and everyone scrambles. The fix isn’t a thicker binder. It’s changing what gets captured, who sees it, and how fast it moves.
By the end of this, you’ll know the four places safety reporting usually dies, the specific habits that revive it, and a simple way to tell whether you’re actually fixing anything or just producing nicer-looking reports.
The real reason nobody reports anything
Reporting friction is the number one killer, and it’s almost never about laziness. Walk your own floor and count the steps someone takes to file a near-miss. Open a laptop. Log in. Remember a password. Find the right form. Guess which category fits. Hit submit. If that takes more than two minutes, you’ve already lost the person holding a clipboard in one hand and a wrench in the other.
There’s a second, quieter reason: fear. Workers have told me, plainly, that reporting a hazard feels like admitting they weren’t paying attention. If the last person who filed a report got a lecture instead of a thank you, your reporting rate drops within a week. You can’t fix that with a poster campaign.
And there’s a third: no visible response. When someone reports a wet floor and nothing changes for three weeks, they learn something. They learn that reporting is theater. That belief spreads faster than any safety slogan.
What good safety data actually looks like
Forget dashboards for a moment. Good safety data has three properties, and you can test any report against them in about thirty seconds.
It’s timely. A hazard reported the same day gets fixed. A hazard reported at month end gets filed.
It’s specific. “Forklift area unsafe” tells you nothing. “Pallet stack blocking the fire exit on Dock 3” tells you everything.
It’s tied to a person and a deadline. Every open item needs a name and a date, or it becomes background noise.
I’d argue timeliness matters most, and I’ll take a scrappy same-day log over a polished quarterly report every single time. If you only fix one thing this quarter, fix the lag between observation and response.
A five step routine you can run next week
This is the part you can actually use. It doesn’t require a budget approval or a consultant.
Strip the form down. Cut it to what happened, where, and when. Everything else is optional detail you can add later if it matters.
Put a QR code or a tablet at the point of work. Not in the break room. At the loading dock, on the shop floor, near the equipment.
Route every report to one named owner. Not a department. A person who gets a notification and knows they own the response.
Close the loop out loud. When something gets fixed, say so, publicly, and name who reported it. This single habit does more than any incentive program I’ve seen.
Review weekly, not monthly. Ten minutes. Scan for patterns, assign owners, move on. Monthly reviews are where data goes to die.
One plant I know put a tablet on the wall by the time clock and cut their average response time from something like two weeks to under two days. Nothing fancy happened. They just removed the excuse to delay.
Where software actually earns its keep
You can run the routine above on paper for a while, and honestly, for a small shop, you probably should. But paper breaks the moment you have two shifts, three locations, or a regulator asking for trends. That is the point where tracking gets genuinely painful: spreadsheets duplicate, email threads fork, and nobody can prove anything was resolved.
This is where dedicated ehs software stops being a line item and starts being infrastructure. Capturing an incident on a phone, auto-routing it to the right owner, and keeping a timestamped record of what changed gives you the three things paper never can: speed, accountability, and a defensible trail.
Here’s the test I’d apply before buying anything. Ask the vendor to show you the flow from a shop-floor report to a closed corrective action in under sixty seconds. If they can’t, walk away.
Benchmarks worth knowing
It helps to know what “normal” looks like, if only so you stop comparing yourself to fictional numbers. According to the National Institute of Standards and Technology, standards and measurement frameworks exist precisely so organizations can compare performance against consistent criteria rather than anecdotes. That’s your permission slip to stop benchmarking against whatever a conference speaker claimed.
On the environmental side, the Environmental Protection Agency maintains public reporting frameworks that many manufacturers already use for emissions and waste tracking. If your operations touch those categories, your safety and environmental tracking probably belong in the same system. Splitting them creates duplicate data entry, and duplicate data entry is how records quietly drift out of sync.
How to tell whether it’s actually working
Numbers lie in one direction: a rising report count can look like failure when it’s actually success. If your reporting volume goes up after you remove friction, that’s the system working. The metric that matters is closure rate, not volume.
Track three things weekly: how many reports came in, how many closed on time, and how many repeat hazards appeared. If repeats are flat or falling and closures are climbing, you’re winning. Everything else is decoration.
Here’s the part that took me a while to accept: safety culture isn’t built by convincing people to care. It’s built by making it easy to report, fast to respond, and visible when something changes. Care follows behavior, not the other way around.
So pick one thing. Tomorrow morning, time how long it takes someone on your team to file a hazard report. Then cut that time in half before the week is out. Your data isn’t broken. The path to acting on it usually is, and that’s a problem you can fix starting now.
The post Why Safety Data Gets Ignored at Work (And How to Fix It) appeared first on Addicted 2 Success.
Who’s the Genius Behind Meta’s Hit AI App Muse? A Mulleted, Croc-Wearing MIT Dropout.
Alexandr Wang’s Muse hit 5 million downloads faster than ChatGPT. Some Meta employees don’t like the special treatment of his hires.
His Childhood Toys Were Ginseng. Now He Sells Sleep As Hot Cocoa
MoonBrew’s Allan Shen grew up playing with ginseng in his parents’ apothecary, then turned sleep into a nightly hot cocoa ritual headed for Target.
American Banks Are Healthy Now But Capital Proposals Endanger Them
U.S. banking sector appears sturdier than during the 2022 and 2023 turmoil, But new capital requirements makes them less safe.
Walmart has a waterproof Bluetooth speaker with ‘clear, deep’ sound for only $17
TheStreet aims to feature only the best products and services. If you buy something via one of our links, we may earn a commission.
Why we love this deal
Everything is better with music. Whether I’m cleaning the house on a weekend, going for a jog, or even hanging out with friends on the patio, the right soundtrack really sets the mood. I might not want to do two baskets of laundry, but if I’m listening to one of my favorite albums while I get the job done, the chores feel much easier.
I usually pop my earbuds in for both chores and exercise. However, some folks prefer the sound quality of a Bluetooth speaker. We spied a terrific deal on one at Walmart that you shouldn’t pass up. The Burufy Bluetooth Speaker typically retails for $37, but a Walmart deal has cut the price to just $17. Shoppers say it has great sound and a long battery life. Best of all, you could pick up two for less than the regular price of one!
Burufy Bluetooth Speaker, $17 (was $37) at Walmart
Courtesy of Walmart
Shop at Walmart
Why do shoppers love it?
This portable Bluetooth speaker packs a punch for its small price. It features Bluetooth 5.0 and works within a 100-foot range, providing rich stereo sound with dual high-performance drivers and deep, booming bass. While it can connect to laptops, phones, and tablets via Bluetooth, you can use it for devices that don’t have Bluetooth as well by plugging it in. So if you’d like better sound than what your TV’s speakers can provide, simply connect it to this speaker.
Several shoppers mention that this device has impressive battery life and that they were able to use it for two to three days before needing to recharge. Another bonus is that it’s waterproof, so you can bring it to the pool and not worry about it getting wet. If you’d like a richer sound experience, the manufacturer recommends pairing two speakers for a powerful and immersive stereo experience.
Shoppers rave about the quality of this speaker, with one calling it “the best Bluetooth speaker I’ve ever had.” They wrote, “The battery life lasts me for two to three days before I need to charge the speaker. The sound quality is crisp and clear. I love that I can just drop it in my bag and go.”
Details to know
Colors: Blue and black.
Weight: 0.8 pounds.
Battery life: 30 hours.
Related: Walmart’s 3-piece wicker rocking patio set is on sale for just $66
A second shopper wrote, “I paid $20, and it’s easily worth three times that much. My previous speakers and headphones run out of battery life within three or four hours, waking me up and making me grumpy. This speaker has clear, clean, deep sound that makes me want to oversleep. I would definitely buy this speaker again in a heartbeat!”
Shop more deals
Ortizan Wireless Bluetooth Speaker, $25 (was $40) at Walmart
Ikt Portable Bluetooth Speaker, $28 (was $190) at Walmart
A quality Bluetooth speaker doesn’t have to cost hundreds of dollars. The Burufy Bluetooth Speaker has great sound, impressive battery life, and best of all, it’s on sale at Walmart for only $17.
Goldman Sachs resets Nike stock price target after brand disappoints
Near the end of Nike’s earnings call on Oct. 1, CEO Elliott Hill told a football story.
He described how the University of Texas came back from a 20-point deficit against the nation’s top team.
What stuck with him wasn’t the final score. It was the “methodical drives” and “calculated risks” that got the team there.
The message to investors was clear. Nike (NKE) is behind, and the comeback will take time.
Wall Street heard the message, but didn’t like what the scoreboard showed in fiscal Q1.
Nike stock hits a wall
Nike has spent the past few years trying to get back to its roots. In certain business segments, that plan is working.
Its performance business covers running, football, basketball, and training gear. The segment reported revenue of $16 billion in fiscal 2026 (ended in May). It grew in the high single digits again in fiscal Q1, while the running business grew by double digits.
Notably, excitement surrounding the FIFA World Cup powered strong gains.
Also Read: Nike making its most famous sneakers harder to buy
However, Nike Sportswear, which accounts for just under half of quarterly sales, fell by double digits. The Jordan brand, which generates 13% of revenue, fell by the mid-teens, and sales from Greater China were down 26%.
Nike cut revenue from its once-red-hot Dunk sneaker by nearly 50%, a hit of roughly $200 million.
“Yes, the consumer is cautious. But as the leader in the industry, it’s on us to bring more creativity to sportswear,” Hill explained.
He was even more direct about Jordan.
“Simply put, we’ve been oversupplying our iconic retro product, asking them to do too much,” Hill said. “When consumers see the Jumpman, it should feel special. It should feel earned.”
Total revenue in fiscal Q1 came in at $11.2 billion, down 4% from a year earlier. Earnings per share slipped 2% to $0.48.
Comparatively, Wall Street forecast revenue $11.32 billion with earnings per share of $0.43 in Q1.
Goldman Sachs cuts Nike stock price target
The bigger shock for Wall Street was the outlook.
Goldman Sachs lowered its Nike price target to $30 from $38 and kept a “Neutral” rating, Investing.com reported. The firm pointed to fiscal 2027 guidance that landed well below FactSet expectations.
Goldman analyst Brooke Roach pressed management on China during the call, and Chief Financial Officer Dave Denton didn’t sugarcoat his answer.
More Bank Stock Resets:
Bank of America revamps AMD stock price target for 2026
Morgan Stanley resets Microsoft stock forecast ahead of earnings
Goldman Sachs revamps SpaceX stock price target for 2026
“The guidance range that I just provided to you assumes that China actually gets worse from a revenue perspective for the balance of this year,” Denton said.
That’s a tough setup for a stock already on the ropes.
Nike stock currently trades at $33.87, which is close to its 13-year low. Valued at a market cap of $50 billion, NKE stock is down 81% from record highs.
Goldman’s new target sits about 10% below the current price.
Nike CEO Elliott Hill warns of slowing growth in China.Bloomberg / Getty Images
Wall Street splits on Nike stock
Goldman wasn’t alone. Several firms revised their Nike price targets after the report, according to Investing.com:
Stifel: Cut to $36 from $40, citing bleak revenue projections and a 21% drop in adjusted EPS.
BTIG: Trimmed to $50 from $55, keeping a Buy rating.
BofA Securities: Cut to $24 from $30, keeping an Underperform rating due to limited visibility on a sales turnaround.
Jefferies: Lowered to $60 from $75, keeping a Buy rating while noting progress in Performance and North America.
The spread tells the story. The lowest Nike stock price target is $19 and the highest is $68. Analysts agree that the next year looks rough. They disagree on how long the rough patch lasts.
Out of the 33 analysts covering Nike stock, eight recommend “Buy,” 18 recommend “Hold,” and seven recommend “Sell.” The average Nike stock price target is $38, indicating an upside potential of 12% from current levels.
Why the Nike stock price is under pressure
Nike’s guidance explains the gloom.
Management expects fiscal 2027 revenue to fall by high single digits. EBIT, or earnings before interest and taxes, could decline even faster as lower sales squeeze margins.
Nike’s guidance for adjusted EPS is $1.15 to $1.35. That leaves out about $0.15 tied to Pace, a new program designed to make Nike faster and leaner.
Related: Analyst warns Nike’s best quarter this year may be behind it
Pace is a big bet. Nike expects it to save about $2.5 billion at a cost of roughly $1 billion. But most of those savings won’t arrive until fiscal 2029 and 2030.
The plan includes a new campus in Bengaluru, India, and cutting Nike’s regions from four to three.
Denton, only weeks into the job, described the moment plainly.
“Our results are below both our expectations and our potential, and we are focused on closing this gap,” he said.
What’s next for Nike stock
There are bright spots for the iconic footwear brand, given that sales in North America grew by 2%.
Its gross margins also rose 60% basis points to 42.8%. Moreover, Nike ended the quarter with $8.4 billion in cash and short-term investments.
Income investors got some comfort, too. Nike returned about $610 million to shareholders in the quarter.
The drawdown has meant Nike offers shareholders a tasty dividend yield of 4.7% in October 2026.
Data compiled by TIKR shows that Nike is projected to improve free cash flow from $2.18 billion in fiscal 2026 to $2.77 billion in fiscal 2027 and $3.85 billion in 2031. Comparatively, its annual dividend expense is around $2.4 billion.
Denton claimed that “under all scenarios, we have support for maintaining and ultimately growing the dividend over time.”
The next big test comes in November. That’s when Nike holds its Investor Day and plans to share a financial roadmap for the next five years.
Hill likes to compare Nike’s comeback to a game won with patient, methodical drives. Investors now want to see points on the board.
Until then, Goldman’s $30 target suggests the wait could get more painful.
More Stocks NewsJim Cramer says he’s willing to stick his neck out for this stockWarren Buffett’s farewell letter has 4 words for every investorStock Market Today (Oct. 5, 2026): S&P 500 moves higher, yields higher after payrolls dataBofA gives Starbucks investors key customer insight before earnings