The majority of Americans remain insecure about their retirement prospects, often because they don't work with a financial professional to put a formal savings, investment, and insurance plan together to account for their "golden" years, Deloitte's most recent research revealed.

Action is not definitive ruling on constitutionality of opt-out.

The core of effective litigation management is good communication with everyone involved in a case. With good communication, you can eliminate most surprises, whether you deal with one case a year or hundreds, says Michael Zeoli, litigation management manager, claims group, Chubb Group of Insurance Companies, Warren, N.J.