Workshop--Pay or Play Registration June
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Register for the June 13 Pay or Play workshop.
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Workshop--Recruiting & Retention Registration
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Register for the June 25 workshop, Recruiting & Retention: Bridging the Generational Gap.
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Seminar--Integrated Risk Prevention Registration
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Register for the September 19 seminar, Integrated Risk Prevention.
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Workshop--Pay or Play Registration Q3Seminar--Materials for OwatonnaSeminar--Materials for Heath Care Reform & Benefits Compliance
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View the presentation for the Health Care Reform & benefits compliance seminars on March 20 and March 27.
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Seminar--Private Company Executive Liability Risk Registration
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Register for the October 17 seminar.
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Seminar--OSHA Materials
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View the materials for the seminar, OSHA Audits & How to Defend Against a Citation.
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Seminar--Duluth Seminar Material
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View the presentation for the February 13 seminar in Duluth.
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Seminar--Benefits Compliance and Health Care Reform Registration
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Register for the March 20 seminar.
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Workshop--Pay or Play Registration Q2
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Register for the April 2 Pay or Play workshop.
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Seminar--Materials for Employment Law
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Jan. 16, 2013--View the presentation materials for the Labor & Employment Law seminar.
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SAPAA Quote Form
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Complete insurance protection starts with an insurance agency that understands your business.
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eHealth
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A link to our partner's Web site.
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Dealers Open Lot Reporting Form
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Physical Damage Insurance Program
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Submission Success
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Thank you for contacting us.
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Client Tools
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Online tools that help make dealing with insurance and all its complexities easier.
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Home
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Home page for RJFAgencies.com
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Life Insurance 101
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Sept. 14, 2011--Many of your employees rely on your company for all or most of their insurance coverage. Therefore, you may want to consider offering life insurance. Whether group-sponsored or voluntary, this coverage offers protection and security.
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Events Overview
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We offer several insurance and risk prevention seminars and workshops, and online Webinars (most of which are free) to help you understand risk, how it affects you and what you can do about it.
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Subscriptions
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Sign up to receive RJF newsletters, publications and information
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Training--Intrinsic Coach Development Series
 If you have attended any of RJF’s seminars or recent Webinars, you have learned how important it is to have the ability to chance the way you think about choices. RJF is partnering with Totally Coached to offer Certified Intrinsic Coach training.
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Webinar--Trends in Voluntary Benefits
 Recorded on May 8, 2013, Duration: 45 minutes
Voluntary benefits can help a company attract and retain top talent. Learn about national voluntary benefits trends and see how your company stacks up.
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Webinar--Medical Funding Concepts
Recorded on April 24, 2013, Duration: 1 hour
Learn about the different options available to fund benefits programs and which is best for your organization and balance sheet.
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Webinar--Workers' Compensation 101
 Recorded on April 10, 2013, Duration: 1 hour
Learn the ins and outs of workers' compensation and how you can prevent risk to your organization.
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Webinar--Prevent Claims Fraud and Litigation
 Recorded on March 13, 2013, Duration: 1 hour
Learn how to keep workers' compensation insurance claims from hurting your culture and balance sheet.
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Webinar--Cyber Liability
 Recorded on March 6, 2013, Duration: 1 hour
Cyber liability is an often over-looked risk that every organization faces. Is your data safe? What kind of sensitive information does your company keep that could lead to an exposure that could cause major fiscal damage.
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Webinar--Understanding Your Surety Relationship
 Recorded on February 27, 2013, Duration: 45 minutes
Learn how surety bonds can prevent risk to your company.
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Webinar--Trends in Benefits Administration Technology
 Recorded on February 12, 2013, Duration: 1 hour
Learn about the latest innovations and trends in benefits administration technology.
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Webinar--Prevent Turnover with Pre-employment Screening
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Presented on January 30, 2013
Prevent employee turnover and see how different pre-employment screening tools can help your organization. Please note: There was a technical issue with the recording, but the presentation is available for download.
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Webinar--Health Care Reform and Compliance Update Q1
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Recorded on January 23, 2013, Duration: 45 minutes
Stay ahead of health care reform and compliance changes. Prevent risk by making sure you have the most recent information.
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Webinar--Implications of the Election on ACA Rules
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Recorded on November 15, 2012, Duration: 30 minutes
During this Webinar, we will discuss the changes to your benefit and compensation plans you need to be ready for in 2013 as ACA provisions start coming due.
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Webinar--Emod Calculation Changes
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Recorded on September 26, 2012, Duration: 30 minutes
Beginning January 2013, the NCCI will make changes to how an employers’ experience modification factor is calculated, which may influence your insurance rates. Learn how these changes may effect you.
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Webinar--Medical Plan Captive as a Health Care Cost Savings Strategy
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Recorded on July 19, 2012, Duration: 1 hour
For most mid-size employers, health care benefits costs continue to increase at an unaffordable rate and have become one of the largest company expenses. Managing these costs is a business priority.
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Webinar--Effective Safety Committees
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Recorded on June 13, 2012, Duration: 1 hour
Having a safety committee seems simple enough, however many organizations struggle with how start and maintain an effective safety committee. While having the best intentions, a committee without the right support and guidance can quickly become defunct.
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Webinar--Measuring Safety Culture
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Recorded on June 7, 2012, Duration: 1 hour
The safety of your employees is of the utmost importance. Not only do accidents affect your insurance premiums, but they also affect your culture and your most important investment, your employees. They key to creating an excellent safety culture is knowing how to measure it's effectiveness.
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Webinar--Shifting Patterns of Thinking
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Recorded on May 22, 2012, Duration: 1 hour
Leaders need to shift how they think about people and choices in order for culture improvement and employee engagement efforts to succeed. Likewise, sustainable change on an individual level requires people to take ownership of their own engagement and well-being. The key to sustainable change is to move away from trying to change and control behaviors to focusing on shifting how a person thinks about choices.
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Webinar--Leadership Development
Recorded on May 9, 2012, Duration: 1 hour
Developing current and future leaders is critical to the growth and sustainability of any organization. No culture change or employee engagement effort can succeed without quality leaders. Effective leadership development needs to be approached with a long-term strategy, just like any other organizational initiative.
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Webinar--Using Quality Metrics to Build a World Class Culture
Presented on March 8, 2012
Building a world-class culture requires having clear baseline measurements of your current culture and engagement. It also requires you to utilize quality metrics to guide change and improvement efforts on both an organizational and individual level.
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Workshop--Recruiting & Retention
 Tuesday, October 29, 8:30-10:30 AM, MINNEAPOLIS (Please note the new date)
Does your recruiting and retention strategy focus on all of your employees, or is it geared towards a specific generation? Learn how to bridge the multi-generational gap and engage all your employees.
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Workshop--Creating a Three to Five Year People Strategy
 Wednesday, Dec. 4, 8:30-10:30 AM, MINNEAPOLIS
Making sure your company has a three to five year people strategy is essential in controlling payroll costs and preventing talent voids. At this workshop you will create a three to five year strategy.
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Workshop--Create a Formal Return-To-Work Program
 Wednesday, Nov. 20, 8:30-10:30 AM, MINNEAPOLIS
Creating a formal return-to-work program can have a significant impact on the length your employees are out on workers' compensation. Learn how to create and institute this program in your organization.
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Workshop--Revamping or Creating Your Safety Handbook
 Tuesday, Nov. 5, 8:30-10:30 AM, MINNEAPOLIS
Having proper safety procedures is essential to having a safe work environment. If your handbook hasn't been updated in the last couple of years, it is time to revisit your policies.
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Workshop--Pay or Play Tool
 Tuesday, Oct. 15, 8:30-10:30 AM, MINNEAPOLIS
Do you know what health care reform will cost your company and what are options are? Get a customized health care reform impact analysis during this workshop and find out what you should be planning for.
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Workshop--Musculoskeletal Diseases and the Aging Workforce
 Tuesday, Oct. 8, 8:30-10:30 AM, MINNEAPOLIS
Learn how to prevent risk to the aging workforce.
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Workshop--Engaging Millennials
 Tuesday, Aug. 27, 8:30-10:30 AM, MINNEAPOLIS
Learn how to engage millennials and tap into this generation's talents.
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Workshop--Pay or Play Tool
Tuesday, Aug. 20, 8:30-10:30 AM, MINNEAPOLIS
Do you know what health care reform will cost your company and what are options are? Get a customized health care reform impact analysis during this workshop and find out what you should be planning for.
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Workshop--Pay or Play Tool
Thursday, June 13, 8:30-10:30 AM, MINNEAPOLIS
Do you know what health care reform will cost your company and what are options are? Get a customized health care reform impact analysis during this workshop and find out what you should be planning for.
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Workshops Overview
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Upcoming risk prevention workshops offered by RJF and Marsh & McLennan Agency LLC.
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Charity Challenge Supporters
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Many, many thanks to you for taking up our challenge. We couldn't do it without you!
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2013 Charity Challenge
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RJF/MMA will launch the 2013 Charity Challenge campaign on June 3. Our goal is to raise $280,000 by August 30 on behalf of two non-profit organizations: Children's Hospitals and Clinics of Minnesota and College Possible
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Past Charity Challenges
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See what we've done in years past.
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Briefly From Bill - 2012 Charity Challenge
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Sept. 19, 2012--Last week RJF celebrated its 2012 Charity Challenge, which is our capstone philanthropic event. I was extremely proud to present more than $250,000 to Children’s Hospitals & Clinics of Minnesota and College Possible.
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Webinar--Influence Your Workers' Compensation Premium
 Wednesday, Dec. 18, 12-1 PM
There are risk prevention measures you can take that can lower your workers' compensation premium. Learn how to influence the numbers.
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Webinar--Health Care Reform & Compliance Update Q4
 Wednesday, Dec. 11, 12-1 PM
Stay ahead of health care reform and compliance changes. Prevent risk by making sure you have the most recent information.
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Webinar--Developmental Management
 Wednesday, Nov. 13, 12-1 PM
Learn about the importance of developmental management and the benefits you can see in your organization.
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Webinar--The Cost of Risk
 Thursday, Oct. 17, 12-1 PM
Learn how the risk your company faces directly affects your insurance premiums and things you can do to lower your risk.
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Webinar--Maximizing Your Surety Credit
 Wednesday, Sept. 25, 12-1 PM
More information coming soon. Please check back.
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Webinar--Importance of Long-term Care
 Wednesday, September 11, 2013, 12-1 PM
Many employers and employees underestimate the importance of long-term care insurance. Make sure you are able to educate your employee population about long-term care insurance.
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Webinar--Incident Reporting & Investigation
 Wednesday, Aug. 14, 12-1 PM
Learn to prevent risk by properly investigating and documenting workplace accidents.
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Webinar--Bring Sustainable Culture Change to Your Organization
 Wednesday, June 12, 12-1 PM
To make permanent changes to your culture, leaders and employees must be open to changing the way they think about themselves and others.
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Webinars Overview
Upcoming risk prevention Webinars offered by RJF and Marsh & McLennan Agency.
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Webinar--Health Care Reform and Compliance Update Q2
 Wednesday, June 5, 12-1 PM
Stay ahead of health care reform and compliance changes. Prevent risk by making sure you have the most recent information.
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Webinar--Learn the Risk Management Center
 Tuesday, May 28, 12-1 PM
Learn how to use the Risk Management Center to prevent risk to your organization.
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Seminar--Preventing Private Company Executive Liability Risk
 Thursday, Oct. 17, 7:30-9 AM -- GOLDEN VALLEY, MN
Learn how to prevent the D&O, employment practices and fiduciary liability exposures facing private companies.
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Seminar--Integrated Risk Prevention
 Thursday, Sept. 19, 8:30-11:30 AM -- GOLDEN VALLEY, MN
Learn how to bring risk prevention into your entire company.
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Seminar--Millennials and Their Impact on Your Workforce
 Thursday, June 20, 8:30-11:30 AM -- GOLDEN VALLEY, MN
As Generation Y enters the workforce, employers are seeing that this generation has very different expectations than their predecessors had. Learn how to interact, motivate and harness the talent of this generation.
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Seminar--Impact of Changing Demographics on Employers
 Thursday, May 23, 8:30-11:30 AM -- GOLDEN VALLEY, MN
Learn how the changing demographics of the available workforce in Minnesota may change your hiring practices.
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2013 Seminars Overview
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Upcoming risk prevention seminars offered by RJF and Marsh & McLennan Agency LLC.
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Sign Up to Receive RJF Invites
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Start receiving email invitations to our risk prevention seminars.
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Leif Johnson
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Leif Johnson, Risk Consultant, Business Insurance. Contact: +1 763 548 8585, johnsonl@rjfagencies.com.
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Amy Diedrich
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Amy Diedrich, Employee Benefits Consultant. Contact: +1 763 548 8594, diedricha@rjfagencies.com
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Jeff Settem
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Jeff Settem, Surety Consultant. Contact: 746-763-8500, settemj@rjfagencies.com.
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John Simenson
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John Simenson, Producer. Contact: 218-348-5122, simensonj@rjfagencies.com
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Jim Erickson
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Jim Erickson, Producer. Contact: 715-5523630, ericksonj@rjfagencies.com
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Bob St Arnold
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Bob St. Arnold, Producer. Contact: 218-590-0153, starnoldb@rjfagencies.com
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Tom Ziemann
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Tom Ziemann, Executive Vice President, Producer. Contact: 763-746-8287, ziemannt@rjfagencies.com
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Tom Nepper
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Tom Nepper, Executive Vice President. Contact: 763-746-8207, neppert@rjfagencies.com
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LeRoy Taggart
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LeRoy Taggart, Risk Consultant. Contact: +1 612 270 1544, taggartl@rjfagencies.com
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Casey Nepper
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Casey Nepper, Risk Consultant, Business Insurance. Contact: 763-746-8544, nepperc@rjfagencies.com.
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Tim Gallagher
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Tim Gallagher, Director, Commercial Lines. Contact: 763-746-8296, gallaghert@rjfagencies.com.
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Ryan Watkins
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Ryan Watkins, Insurance & Risk Consultant. Contact: 763-548-8879, watkinsr@rjfagencies.com.
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Greg Sandvig
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Laura Moore, Risk Management Consultant. Contact: 763-746-8252, moorel@rjfagencies.com.
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Laura Moore
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Laura Moore, Risk Management Consultant. Contact: 763-746-8252, moorel@rjfagencies.com.
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John Mares
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John Mares, Risk Management Consultant. Contact: 763-548-8867, maresj@rjfagencies.com.
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Deb Lindquist
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Debbie Lindquist, Account Manager. Contact: 763-746-8234, lindquistd@rjfagencies.com.
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Shalin Johnson
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Shalin Johnson, Risk Consultant Sales Executive. Contact: 763-746-8535, johnsons@rjfagencies.com.
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Doug Imholte
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Doug Imholte, Risk Consultant. Contact: 763-746-8221, imholted@rjfagencies.com.
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Todd Ellingson
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Todd Ellingson, Life Sciences & Technology Risk Advisor. Contact: 763-746-8515, ellingsont@rjfagencies.com.
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Corie Curtis
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Corie Curtis, CISR, CIC, Account Manager, Auto Dealers. Contact: 763-746-8258, curtisc@rjfagencies.com.
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Scott Chapin
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Scott Chapin, Commercial Insurance/Employee Benefits Consultant. Contact: 715-634-6513, chapins@rjfagencies.com.
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Reesa Baker
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Reesa Baker, Account Manager. Contact: 763-746-8285, bakerr@rjfagencies.com.
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Mary Pat Aanenson
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Mary Pat Aanenson, Account Manager. Contact: 763-746-8202, aanensonm@rjfagencies.com.
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Mindy Carlson
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Mindy Carlson, Risk Prevention Consultant. Contact: 763-746-8276, carlsonm@rjfagencies.com.
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Jackie Fink
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Jackie Fink, CIRMS, CIC, RN, Community Association Specialist. Contact: 763-746-8547, finkj@rjfagencies.com
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Sarah Fjellanger
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Sarah Fjellanger, CIC, CIRMS, Community Association Specialist. Contact: 763-746-8278, fjellangers@rjfagencies.com.
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Joe Mirocha
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Joe Mirocha, CIC, CIRMS, Community Association Specialist. Contact: 763-746-8272, mirochaj@rjfagencies.com.
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Herman Fasbender
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Herman Fasbender, CIC, CIRMS, ARM, Community Association Specialist. Contact: 651-480-1739, fasbenderh@rjfagencies.com.
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PK Kriha
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PK Kriha, Senior Benefits Consultant. Contact: 763-746-8536, krihap@rjfagencies.com.
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John McDonough
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John McDonough, Employee Benefits Consultant. Contact: 763-746-8249, mcdonoughj@rjfagencies.com.
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Donn ScrogginsGreg Haffely
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Greg Haffely, Producer, Benefits. Contact: 763-746-8523, haffelyg@rjfagencies.com
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Mary Setter
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Mary Setter, Senior Vice President, Employee Benefits & Carrier Relations. Contact: 763-746-8216, setterm@rjfagencies.com
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Tara Arndt
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Tara Arndt, Director of Employee Benefits Operations. Contact: 763-548-8878, arndtt@rjfagencies.com.
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Brian Szczech
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Brian Szczech, Employee Benefits Consultant. Contact: 763-548-8569, szczechb@rjfagencies.com.
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Justin Uhrich
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Justin Uhrich, Employee Benefits Consultant. Contact: 763-746-8211, uhrichj@rjfagencies.com.
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Bill Jeatran
Bill Jeatran, chief executive cfficer, founded the company in 1986, when he purchased a small agency with revenues of about $100,000. His goal was to build a firm that provides risk prevention advice and resources to clients rather than insurance products alone. He serves on the Children’s Hospitals and Clinics of Minnesota board of directors.
Contact: 763-746-8201, jeatranb@rjfagencies.com.
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Tim Fleming
Tim Fleming, president, joined RJF soon after Bill Jeatran purchased the company. Together, the pair began building the agency, whose genesis occurred over a pint in Ireland during a study abroad semester for the two roommates.
Contact: 763-746-8204, flemingt@rjfagencies.com.
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Jill Lowder
Jill Lowder, chief operating officer, has been instrumental in creating a company that focuses on partnering with forward-thinking clients to prevent risk. She has also played a key role in integrating RJF's approach into the company's service strategy and platform.
Contact: 763-746-8205, lowderj@rjfagencies.com.
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Jim Johnson
Jim Johnson, vice president, sales & marketing, came to RJF after running various aspects of national, regional and local agencies and brokerages. His knowledge of and experience with insurance is balanced with his dedication to helping employers eliminate as much risk as possible.
Contact: 763-746-8271, johnsonj@rjfagencies.com.
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Dawn Araya
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Dawn Araya, Claims Manager. Contact: 763-746-8293, arayad@rjfagencies.com
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Cassandra Coopet
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Cassandra Coopet, Claims Consultant. Contact: 763-746-8263, coopetc@rjfagencies.com.
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Dan Martin
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Dan Martin, Safety Consultant. Contact: 763-746-8295, martind@rjfagencies.com.
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David Rumsey
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David Rumsey, Safety Consultant. Contact: 763-746-8284 , rumseyd@rjfagencies.com.
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Rosie Ward
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Rosie Ward, Health Management Services Manager. Contact: 763-548-8861, wardr@rjfagencies.com.
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Jackie Sutherland
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Jackie Sutherland, Safety Consultant. Contact: 763-746-8213, sutherlandj@rjfagencies.com.
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Angela Wheeler
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Angela Wheeler, Claims Consultant. Contact: 763-746-8266, wheelera@rjfagencies.com.
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Alan Wissbroecker
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Alan Wissbroecker, Director of Employer Services. Contact: 763-746-8502, wissbroeckera@rjfagencies.com.
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Heather Roiger
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Heather Roiger, HR Consultant, Contact: 763-746-8219, roigerh@rjfagencies.com.
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Emily Kratz
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Emily Kratz, Health Management Consultant. Contact: 763-746-8510, kratze@rjfagencies.com.
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Lindsey Hanson
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Lindsey Hanson, Loss Control Consultant. Contact: 763-548-8862, hansonl@rjfagencies.com.
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Bjorn Honda
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Bjorn Honda, Executive Vice President. Contact: 763-746-8507, hondab@rjfagencies.com.
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Dan Hanson
 Dan Hanson, Director, Management Liabiilty Group. Contact: 763-548-8599, hansond@rjfagencies.com.
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People Overview
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RJF's people are highly trained and skilled in insurance technicalities as well as business risk avoidance techniques.
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PCORI Fees
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May 24, 2013--Certain employers may be responsible for paying a PCORI (Patient-Centered Outcomes Research Institute) fee as soon as July 31, 2013. This usually would be for plan years that ended on October 31, 2012, November 30, 2012, or December 31, 2012.
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Minimum Value and Affordability
 May 15, 2013--The IRS has released a proposed rule on the minimum value and affordability rules under the ACA. The proposed rule provides guidance on determining whether health coverage under an employer-sponsored plan is affordable and provides minimum value for determining employer “pay or play” penalties.
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Coach to Values Not Behavior
 May 14, 2013--Leading a group of human beings is very complex. How a person approaches problems, people, the pace of the environment and procedures demonstrate a person’s preferred behavioral styles.
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Model Notice of Exchange
 May 13, 2013--The Department of Labor has released guidance and model notice language for employers to use to meet the Affordable Care Act employee exchange notice requirement.
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News Release - RJFMarsh & McLennan Agency Earns Highest Honors From The Hanover Insurance Group
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WORCESTER, Mass. (May 13, 2013) – The Hanover Insurance Group, Inc. (NYSE: THG), a leading provider of property and casualty insurance products and services nationwide, recently honored RJF/Marsh & McLennan Agency with its Top Franchise Partner Award
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Briefly From Bill - Cyber Security Issues Affect Small and Midsize Companies Too
 May 10, 2013--Cyber-crime, network security, denial of service attacks, data breach. These terms had little relevance to anyone other than a handful of IT dudes scattered in basements somewhere in Silicon Valley until relatively recently.
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News Release - Small and Midsize Employers in Minnesota Largely Uninsured Against Cyber Crime
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MINNEAPOLIS, May 8, 2013—More than 83% of small and midsize employers are without insurance policies designed to provide financial support and protection in the event of an IT breach, according to a survey report released today by RJF/MMA.
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Cyber Liability: The Cost of a Data Breach
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May 7, 2013--One of the most common questions we receive is: ”What is the cost to my organization if I fail to protect the confidential information of others?”
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Cyber Liability: Determining What Information is Confidential
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May 7, 2013--Clearly, for an organization to understand their risk to a confidential information breach, it first has to understand what type of information may be considered confidential.
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HSA Limits for 2014
 May 7, 2013--The IRS has released the 2014 limits affecting Health Savings Accounts (HSAs) and High Deductible Health Plans.
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The Millennial Workforce Millennials and the Recruitment-Retention Process
 May 6, 2013--Not surprisingly, this generation that grew up in a highly techno-driven society, Millennials use a variety of online resources when job-hunting, and may even prescreen potential employers based on how e-literate they are.
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The Millennial Workforce: What Management Should Know
 May 6, 2013--In the coming years, companies and management have to adapt to the unique mindset of the incoming Millennial (or Generation Y) employees but also face the loss of the retiring Boomers, who take with them decades of knowledge.
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Cyber Liability: Understanding Third-Party Exposure Risks
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May 6, 2013--Failing to protect the confidential information of others creates many exposures to your business. At a high level these exposures can be broken down into third-party exposures and first-party costs to your business.
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Cyber & Data Security Risk Survey Report
 RJF/Marsh & McLennan Agency conducted a survey to find out how and what small and mid-sized employers are thinking about cyber and data security risk and the insurance protection available to them.
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90-Day Waiting Period Limits
 April 30, 2013--Proposed regulations addressing the Affordable Care Act’s prohibition on waiting periods exceeding 90 days were recently released. The proposed regulations are substantially similar to the August 2012 temporary guidance, but with some additional clarification.
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News Release - Excellence in Risk Management
 New York, April 22, 2013 – Senior executives and risk professionals are more aligned than ever on their views of the role that risk management should play in strategic planning.
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Preventing Talent Voids
April 18, 2013--The workforce is aging, more people are retiring or approaching retirement than are joining the workforce, and education systems seem to lag behind the needs of business. Getting ahead of this trend can help you prepare your organization and position it for the future.
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News Release - Jill Lowder Elected to the Society of Certified Insurance Counselors Board of Governors
 MINNEAPOLIS, April 16, 2013—The National Alliance for Insurance Education & Research’s Society of Certified Insurance Counselors recently elected Jill Lowder to its Board of Governors.
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What Employers Need To Know About MNsure
 April 5, 2013--The signing of the health insurance exchange bill in March authorizing the creation of a state-run health insurance exchange known as MNsure has been a game-changer for the health insurance arena in Minnesota.
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Small Employer Choice Option Delayed on Federal SHOP Exchange
 April 3, 2013-- The Department of Health and Human Services has announced that one of the options planned for small group insurance purchased through federally-operated exchanges will be delayed until 2015.
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News Release - Commercial Flood Insurance Rates Jump Availability Declines as Upper Midwest Flood Danger Looms
 MINNEAPOLIS, March 28, 2013—Commercial flood insurance prices are rising as underwriters attempt to recoup significant flood losses sustained by Superstorm Sandy.
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Common Controlled Group Basics
 March 28, 2013--The Affordable Care Act placed new emphasis on the need to determine when related organizations must be treated as a single employer. Setting up different companies under separate tax ID numbers does not relieve related employers from being treated as a single employer under controlled group rules.
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Strengthening Employee Engagement…and Abs
 March 14, 2013--RJF is building on its effort to improve employee wellbeing by increasing movement during the workday. Despite spending time in front of computers and in meetings, RJF doesn’t think this means employees must sit for eight hours a day.
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News Release - Amy Diedrich joins RJF-Marsh & McLennan Agency as employee benefits consultant
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MINNEAPOLIS, March 12, 2013 – RJF, a Marsh & McLennan Agency, recently expanded it employee benefits department with the addition of Amy Diedrich, an experienced employee benefit expert in public school districts.
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Methods for Determining Employer Plan Minimum Value
 March 7, 2013--The IRS and HHS have released an employer plan minimum value calculator designed to assist employers in determining if their health plan meets the minimum value requirements of the ACA.
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HIPAA Notice of Privacy Practices Update
 March 6, 2013--Final rules were published in January 2013 that resulted in changes to the HIPAA Privacy Rule, Security Rules, Breach Notification Rule and enforcement.
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Section 105h Nondiscrimination Rules
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WHITE PAPER: Section 105(h) nondiscrimination rules are complex; however, a quick review of an employer's benefit, contribution and eligibility strategies will help determine whether or not they need to perform the detailed nondiscrimination tests.
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What to know about cyber liability policies
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Feb. 13, 2013--In this interview with Dan Hanson, management liability director, you'll learn what types of coverage are provided by cyber liability insurance policies, how companies can analyze their actual risks from these “virtual attacks.”
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Family Medical Leave Act Updates
 Feb. 12, 2013--The US Department of Labor recently made updates to the Family Medical Leave Act. They removed certification and notice forms from FMLA regulations and made changes to the military sections of the rules.
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Tax Credits and Individual Tax Liability
 Feb. 5, 2013--The IRS has issued an amendment to final regulations regarding qualification for a premium tax credit when purchasing individual health insurance through a public exchange. In a separate set of guidance, the IRS clarified exemptions from the “individual mandate” tax beginning in 2014.
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HIPAA HITECH Omnibus Final Rule
 Feb. 5, 2013--The final omnibus Health Insurance Portability and Accountability Act rule, makes a long list of significant changes to existing regulations.
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Beyond OSHA compliance--How an increased safety focus can benefit employers
 Jan. 30, 2013--Risk & Safety Consultant David Rumsey discusses OSHA compliance and overall workplace safety, and how they can work together to positively impact a company’s bottom line.
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OSHA Seminar Video Promo
 Jan. 29, 2013--Risk & Safety Consultant David Rumsey discusses why you ought to attend the upcoming seminar, OSHA Audits & How to Defend Against Them.
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Notice of Exchange Delays
 Jan. 24, 2013--The Department of Labor has officially stated the delay of the employer requirement to send a “Notice of Exchange” to employees.
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Helping the New Workforce to Interdependence
 Jan. 23, 2013--How do you manage those who feel entitled and view themselves as being “above the law?” Those in HR and many managers struggle with how to understand and work with any person who displays those kinds of attitudes.
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Adjustment for Transit and Parking Benefits
 Jan. 22, 2013--The Internal Revenue Service released inflation-adjusted amounts for transit and parking benefits on January 11, 2013.
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IRS Releases Guidance on Employer Shared Responsibility Rules
 Jan. 14, 2013--The IRS has released additional guidance related to the Affordable Care Act (ACA) employer shared responsibility rules. The guidance includes proposed regulations and a series of questions and answers published on the IRS Web site.
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Trends in Employment Law Claims — Looking Ahead
 Heather Roiger, RJF HR Consultant, and Dan Hanson, RJF Director of Management Liability, explore what employers can expect in 2013 employment claims and what factors will influence the potential for employment liability issues.
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IRS Releases Guidance on Employer Shared Responsibility Rules
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Jan. 9, 2013--The Internal Revenue Service has released proposed regulations on the employer shared responsibility rules contained in the Affordable Care Act (ACA) and a series of questions and answers.
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Parity for Mass Transit Plans
 Jan. 9, 2013-- The American Taxpayer Relief Act of 2012 that addressed tax increases and automatic spending cuts, also included an extension for Qualified Transportation Plans.
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Employee Benefits Year In Review 2012
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Jan. 7, 2013--Review the changes that happened in 2012 in the world of Employee Benefits.
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News Release - MMA Acquires McGraw Wentworth
 White Plains, New York, January 7, 2013 – Marsh & McLennan Agency LLC (MMA), a subsidiary of Marsh Inc., today announced that it has acquired McGraw Wentworth, Inc., an employee group benefits consulting and brokerage firm based in Troy, Mich.
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EB 2012 Review - 2014 Employer Shared Responsibility Rules
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Jan. 4, 2013--The ACA requires that employers with 50 or more full-time employees must offer "minimum essential coverage" to all full-time employees. If an employer's plan does not meet certain requirements, they may be subject to penalties.
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EB 2012 Review - Summary of Benefits & Coverage Requirements
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Jan. 4, 2013--The ACA requires health plans and health insurance issuers to provide a summary of benefits and coverage to applicants and enrollees. Review the notification requirements.
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EB 2012 Review - Grandfathered Plan Status
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Jan. 4, 2013--Employers need to determine the "grandfathered status" of their benefits plan and what changes go beyond the permitted guidelines.
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EB 2012 Review - Timeline of Events
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Jan. 4, 2013--Reivew a timeline of compliance requirements by year.
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EB 2012 Review - Health Care Reform
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Jan. 4, 2013--The Supreme Court's decision to uphold PPACA and the outcome of the 2012 elections have prompted employers to start making plans and taking action regarding compliance with the PPACA.
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MMA Acquires Liscomb Hood Mason
 White Plains, New York, January 4, 2013 – Marsh & McLennan Agency LLC (MMA), a subsidiary of insurance broker Marsh Inc., today announced the acquisition of agency, Liscomb Hood Mason Co., based in Duluth, Minnesota.
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EB 2012 Compliance - HSA Plan Limits
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Jan. 4, 2013--If an employer offers a high deductible health plan (HDHP) to employees that is compatible with a health savings account, the HDHP must comply with minimum deductible and out-of-pocket maximum limits for 2013.
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EB 2012 Compliance - Transportation Fringe Benefit Limits
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Jan. 4, 2013--The IRS issued final regulations on “qualified transportation fringe benefits” under Code Section 132. Read about what these benefits include.
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EB 2012 Compliance - Adoption Assistance
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Jan. 4, 2013--For employer-sponsored adoption assistance programs, the maximum amount excludible from an employee’s income in 2013 for the adoption of a child will be $12,650. Read more about at what income level this benefit begins to phase out.
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EB 2012 Compliance - Dependent Care Regulations
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Jan. 4, 2013--Sponsors of dependent care assistance plans are required to notify plan participants of the total tax-free benefit they received through the plan during the calendar year by January 31, 2013.
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EB 2012 Compliance - Annual Reporting Requirements
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Jan. 4, 2013--Welfare benefit plans that have 100 or more participants enrolled on the first day of the plan year are required to file Form 5500 each year. Filing must be completed by the last day of the seventh month after the end of the plan year.
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EB 2012 Compliance - Section 105H Nondiscrimination Requirements
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Jan. 4, 2013--Self-funded, or self-insured, health plans are also subject to certain nondiscrimination requirements in terms of benefits, eligibility and contributions. There are two “tests” that a plan must pass.
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EB 2012 Compliance - Cafeteria Plan Nondiscrimination Requirements
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Jan. 4, 2013--Cafeteria plans must meet certain nondiscrimination requirements to ensure highly compensated key employees do not receive a disproportionate amount of tax-advantaged benefit.
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EB 2012 Compliance - Disability Benefit Taxation
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Jan. 4, 2013--Employees who receive disability benefits (long term or short term) may be taxed on these benefits based on how the premiums are paid.
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EB 2012 Compliance - Medicare Prescription Drug Improvements & Modernization Act
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Jan. 4, 2013--Employers must continue to fulfill annual requirements related to Medicare Part D with both their employees and the Centers for Medicare and Medicaid Services.
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EB 2012 Compliance - Group Term Life Insurance Imputed Income
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Jan. 4, 2013--Internal Revenue Code Section 79 permits an employee to receive up to $50,000 of group term basic life insurance on a tax-free basis. The value of an amount over $50,000 must be added to the individual’s taxable income. In addition, imputed income rules also may apply to voluntary or optional life insurance depending on the benefit plan structure.
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EB 2012 Compliance - Annual Notice Requirements & Reminders
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Jan. 4, 2013--Group health plan sponsors should ensure compliance with the following notice requirements.
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RJF Becoming MMA
 December 31, 2012--We are taking steps to adopt the Marsh & McLennan Agency name and logo. You’ll see it happening over the coming months, with the expectation that in July, the RJF name and logo will no longer be used.
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Trends in Employment Law Claims — Looking Back
 Dec. 19, 2012--The increase in both employment law claims and award amounts has generated significant concern among all employers, both large and small. Here we provide a thumbnail analysis of recent years’ employment claims.
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News Release - MMA Acquires Brower
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White Plains, New York, December 5, 2012 – Continuing its strategy to build a national platform, Marsh & McLennan Agency LLC (MMA), a subsidiary of insurance broker Marsh Inc., today announced the acquisition of Brower Insurance Agency.
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Increased Medicare Tax
 Dec. 4, 2012-- The Affordable Care Act imposes an increased Medicare tax on higher income individuals. There are a couple of things employers need to consider when applying the higher tax rate.
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Wellness Program Guidance
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Dec. 4, 2012--Long-awaited guidance on several key provisions of the Affordable Care Act, including requirements on essential health benefits, preventing pre-existing condition discrimination & employment-based wellness programs has been released.
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Addressing Employee Needs Following Disaster
 Nov. 30, 2012--Employers need to recognize that, while their employees want to support the rebuilding and recovery process following a disaster, they are also struggling with personal priorities and issues.
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Small Group Insurance Regulations
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Nov. 21, 2012--The Department of Health and Human Services (HHS) released two sets of proposed regulations related to provisions of the Affordable Care Act (ACA) that are important to individual and fully-insured small group health plans.
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MN Workers Comp Insurance Payroll
 Nov. 21, 2012--The Minnesota Dept. of Commerce is changing the formula used to calculate workers’ compensation premiums. This change increases the individual weekly remuneration for officers and owners.
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Impact of the Election on the ACA
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Nov. 12, 2012--With the re-election of President Obama and very little change in the make-up of Congress, the path to full implementation of the Affordable Care Act (ACA) now seems clear. Now it is time to move forward to implement what is necessary for each particular employer.
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Compliance Year-End Reminders
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Nov. 7, 2012--As the close of 2012 draws near, we wanted to provide employers with some year-end reminders about compliance deadlines that are coming up soon.
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News Release - MMA Acquires Protector Group
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White Plains, New York, November 5, 2012 – Marsh & McLennan Agency LLC (MMA), a subsidiary of insurance broker Marsh Inc., today announced that it has acquired Howalt+McDowell Insurance, Inc., the largest independent agency in South Dakota.
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News Release - MMA Acquires Howalt McDowell
 White Plains, New York, November 5, 2012 – Marsh & McLennan Agency LLC (MMA), a subsidiary of insurance broker Marsh Inc., today announced that it has acquired Howalt+McDowell Insurance, Inc., the largest independent agency in South Dakota.
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Disaster-related Information for Employers
 This is an aggregate of multiple resources related to helping employers prepare for and recover from a disaster.
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Tip Sheet - Resources for Employees following disaster
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Nov. 6, 2012--Following a disaster, employees need support too. We've aggregated various agencies and programs that would be of most use to employees and their families post-disaster.
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Compliance Calendars
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This Compliance Calendar will help you determine your plan's filing obligations.
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Tip Sheet - Documenting Damages & Losses
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Nov. 1, 2012--During the claims process, you will need to provide evidence of the damage and the loss, both in terms of property damage and business interruption. Here's a checklist of the information business owners will need to provide.
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Post-Disaster - Mitigate The Impact
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Oct. 31, 2012--Following a disaster event — fire, flood, blizzard or tornado, for example — business owners are faced with a daunting aftermath. The following is an overview how to mitigate damage and increase your chances of reopening your business.
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ACA Impact on Small Businesses
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Oct. 2, 2012--The ACA has a significant impact on the health plans that employers offer to their employees. This summary provides an overview of many of the significant elements of the Act that are of particular importance to small employers.
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RJF Hires Brian Szczech
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September 28, 2012—Brian Szczech recently joined RJF, a Marsh & McLennan Agency LLC company, as its newest employee benefits consultant.
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Are You Emod Savvy?
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Sept. 26, 2012--First, a short primer. Your workers’ compensation e-mod (aka Experience Modification Rating, EMR or mod) is a multiplier used by your work comp insurance company to help determine the amount of your premium.
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Why Sales Managers Fail
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Sept. 20, 2012--The Sales Manager position is one of the most difficult in a company. The success or failure directly impacts the profitability of the company. The purpose of this article is not to discuss all the contributing factors to failure of those in the position of Sales Manager, but rather to address some of the hidden reasons for lack of success.
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Disaster Preparedness And Recovery — Useful Resources
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Sept. 11, 2012-- Preparing for what to do during and aftera disaster is a key to mitigating the impact on your business. Here's a list of Websites with useful information to help prepare for and recover from disasters and weather-related events.
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News Release - MMA Acquires Rosenfeld Einstein
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September 10, 2012--Marsh & McLennan Agency LLC (MMA), a subsidiary of insurance broker Marsh Inc., today announced that it has acquired Rosenfeld Einstein, a $9 million property/casualty and employee benefits agency based in Greenville, S.C.
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News Release - MMA Acquires Eidson Insurance
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September 6, 2012 – Marsh & McLennan Agency LLC (MMA), a subsidiary of insurance broker Marsh Inc., today announced it has acquired Eidson Insurance, a $3.4 million revenue property/casualty and employee benefits agency based in Orlando, Florida.
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Definition of Full-time Employee
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September 5, 2012--The IRS released Notice 2012-58 which includes guidance related to the definition of full-time employee.
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Updated CHIP Notice
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August 24, 2012--The DOL has updated the model notice that employers may use to satisfy the CHIP notice requirement.
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SCOTUS Decision & the Impact on Employers
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August 7, 2012--The Supreme Court of the United States ruled that the individual mandate under the Patient Protection and Affordable Care Act is constitutional. The Act's coverage mandates remain in effect and the implementation and administration of its various mandates will need to continue.
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Flood Prep & Response
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July 12, 2012--Angela Wheeler, RJF claims consultant and specialist on property damage, provides some recommendations on how to safeguard your company from flood damage and what to do after a flood occurs, as well as some general flood safety tips.
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News Release - MMA Acquires Security Insurance Services
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July 9, 2012--Marsh & McLennan Agency LLC (MMA), a subsidiary of insurance broker Marsh Inc., announced the acquisition of Security Insurance Services Inc., one of the largest insurance agencies in Wisconsin.
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RJF on the Security Insurance Services Acquisition
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July 9, 2012--RJF and Marsh & McLennan Agency LLC recently acquired Security Insurance Services, based in Milwaukee. This is RJF’s third acquisition since joining Marsh & McLennan Agency, and the 19th for Marsh & McLennan Agency as a whole.
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NFIP Extended for Five Years
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July 6, 2012--On Friday, June 29, Congress extended the National Flood Insurance Program (NFIP) until September 31, 2017, and vowed to make it more financially sound.
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SCOTUS Rules on ACA
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June 28, 2012--In what may be the most anticipated decision in at least a generation, the Supreme Court has upheld the constitutionality of the so called “individual mandate” contained in the Affordable Care Act.
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Distracted Driving
 June 14, 2012--Distracted driving is defined as any activity that could direct a person’s attention away from the primary task of driving. The three main types of distractions include visual, manual and cognitive.
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Facts About Emod Changes
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June 14, 2012--The NCCI and MWCIA are making changes to how experience modifiers (emods) are calculated. Outlined here are some of the basic facts explaining how employers may be affected by this change to workers' compensation insurance premiums.
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News Release - MMA Acquires Progressive Benefit Solutions
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White Plains, New York, June 8, 2012 – Marsh & McLennan Agency LLC (MMA), a subsidiary of broker Marsh Inc., today announced that it has acquired Progressive Benefit Solutions (PBS), a $5 million revenue employee benefits agency based in Raleigh, Nor
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Covering Your Bases - Insuring Against Disasters
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June 8, 2012--Business owners need to understand how their insurance will respond after a disaster and what their role is. After a disaster, policyholders should be prepared to secure the loss site, notify the insurer, and prepare to rebuild.
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Medical Loss Ratio Rebates
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June 4, 2012--Beginning in 2012, insurers must report their prior year MLR data to the Department of Health and Human Services by June 1 and if the minimum standards described above are not satisfied, premium rebates must be provided to policyholders no later than August 1.
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FSA Limit
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June 4, 2012--The IRS issued Notice 2012-40, which provides guidance regarding the effective date of the $2,500 limit on salary reduction contributions for Section 125 cafeteria plan health care flexible spending arrangements and the deadline for amending plans to comply with the limit.
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HSA Limits for 2013
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June 4, 2012--The Internal Revenue Service has issued maximum contribution, deductible and out-of-pocket maximum limits for Health Savings Accounts and HSA-compatible high deductible health plans for the 2013 calendar year.
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Briefly From Bill - Three Upcoming Risks for Employers
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May 31, 2012--Three prominent risks facing employers include the upcoming health care reform ruling by the United States Supreme Court, a changing property and casualty insurance marketplace, and the pending storm season.
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Wage Continuation Reporting
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May 24, 2012--The practice of wage continuation has been deemed inappropriate when the carrier is not notified of the lost time resulting in inaccurate reporting to the state bureau for unit statistical purposes regarding a company’s experience modif
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The Changing Commercial Insurance Marketplace
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May 24, 2012--RJF's Laura Moore's piece for Finance and Commerce discusses reasons why the commercial insurance marketplace is changing, ushering in premium increases and less-favorable terms.
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False Claims Act
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May 18, 2012--The False Claims Act is intended to discourage people and businesses from defrauding the government. If a false claims is made, individuals and companies may be subject to large penalties.
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Stillwater Fire Department Receives Grant For Fire Rescue Boat
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May 14, 2012--Thanks to a $12,989 donation from Fireman’s Fund Insurance Company and RJF, a Marsh & McLennan Agency LLC company, Stillwater Fire Department is retrofitting a 24-foot surplus Coast Guard fire boat they recently acquired.
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What to Expect from Your Carrier Post-Disaster
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May 15, 2012--An RJF claims consultant and specialist on property damage explains what businesses can and should expect from their carrier in the event of a weather-related catastrophe.
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Cobra Audit Guidelines Revised by IRS
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May 2, 2012--The IRS may be stepping up their efforts to ensure that employers are complying with COBRA when it recently updated its COBRA audit procedures on its Website last month.
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DOL Begins Enforcing Affordable Care Act
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May 2, 2012--Written audit requests to health and welfare plans from the DOL have included inquiries related to various mandates under the Affordable Care Act. This marks the first appearance of ACA-related topics in DOL auditing practices.
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Comparative Effectiveness Fees
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May 1, 2012--The IRS has issued proposed rules addressing the comparative effectiveness research fees imposed by the Patient Protections and Affordable Care Act (PPACA) on health insurance carriers and plan sponsors of self-insured health plans.
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Group Disability Insurance
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May 1, 2012--Studies show that working-age adults are more likely to suffer from a disability in a given year than they are to die. Unless it is offered through their employer, most adults have little, if any, disability insurance coverage.
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Hiring Considerations- Arrests & Conviction Records
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April 27, 2012--The EEOC voted and approved revisions to the use of arrest and conviction records in the hiring process. The approval addresses which factors an employer should consider when utilizing criminal conviction history.
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Health Care Reform Employer Penalties
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April 2, 2012--Sunday’s Star Tribune featured a health care reform Q&A with RJF’s Mary Setter. Based on how the article was edited, there may be some confusion about how health care reform penalties work and are applied to employers.
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HIPAA Notice of Privacy Practices
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March 27, 2012--HIPAA requires that plan participants of employer-sponsored health plans receive a Notice of Privacy Practices. The requirement applies to several different types of health plans.
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Final Rule for Health Insurance Exchanges
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March 27, 2012--The Department of Health and Human Services published the final rule on Affordable Health Insurance Exchanges to provide states with a framework for establishing their exchanges while preserving flexibility.
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FAQ SBC Requirements
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March 27, 2012--The recently released FAQ's regarding the implementation of the SBC provisions contains 24 questions received by the DOL, HHS and the Treasury.
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News Release - MMA Acquires KSPH
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March 13, 2012, New York--Marsh & McLennan Agency LLC (MMA), a subsidiary of insurance broker Marsh Inc., today announced that it has acquired KSPH LLC, a $5 million revenue employee benefits agency based in Glen Allen, Virginia.
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Payroll Tax Cut Extended
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March 5, 2012--The Middle Class Tax Relief and Job Creation Act of 2012 will extend the two percentage point payroll tax cut that has been in effect since the beginning of 2011.
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Affordable Care Act Technical Release
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March 5, 2012--The Department of Labor (DOL) recently issued a technical release providing responses to questions from employers and other stakeholders regarding the Affordable Care Act (ACA) provisions governing automatic enrollment, employer shared responsibility (sometimes referred to as “play or pay”), and waiting periods.
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Healthy Culture Great Company
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WHITE PAPER--Developing a process to change your company culture is not only an effective way to engage your workforce, it is the only way to make lasting changes to overall productivity, employee satisfaction and, consequently, the bottom line.
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Four Pillars of Organic Growth
Feb. 17, 2012--Strong organic growth depends on the successful execution of four disciplines. These four disciplines function as pillars that form the structural integrity of your talent development plan.
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Defining the Employment Status of Interns
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Feb. 17, 2012--Applying the term “intern” to a position does not exempt the employer from federal and state minimum wage and overtime laws. The positions must meet certain criteria, or they are subject to the same laws as employees.
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Good Coach - Bad Coach
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Feb. 17, 2012--Leading employees to personal and professional growth can be challenging. It is often easier to just give them the answer when they have a question. The good coach would instead ask them a question in return.
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Regulations on Summary of Benefit & Coverages
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Feb. 15, 2012--The IRS, Department of Labor and Health and Human Services released final regulations regarding the Summary of Benefits and Coverage (SBC) requirement contained in the Affordable Care Act.
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Transportation Fringe Benefit Limits
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Feb. 8, 2012--The IRS issued final regulations on “qualified transportation fringe benefits” under Code Section 132.
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Cafeteria Plan Nondescrimination Requirements
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Feb. 8, 2012--Cafeteria plans must meet certain nondiscrimination requirements to ensure highly compensated key employees do not receive a disproportionate amount of tax-advantaged benefit.
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Statutory Disability 2012
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Feb. 7, 2012--Certain states mandate short term disability (STD) coverage for employees who work in those states. States have varying eligibility requirements that determine if an individual is eligible for disability insurance.
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FSA HRA HSA
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Feb. 12, 2012--The Affordable Care Act established a uniform standard effective January 1, 2011 that applies to all tax-favored arrangements, such as flexible spending arrangements (FSAs), health reimbursement accounts (HRAs) and health savings accounts (HSAs)
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Taxation of Domestic Partner Coverage
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Feb. 7, 2012--Many employers provide health plan coverage to their employees’ domestic partners. This coverage may be taxable on a federal level to the employee depending on several factors.
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RJF Wellness to Wellbeing
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Jan. 31, 2012--Working in the employee benefits business, we’re often asked how we approach wellness with our own employees. Over time we have embraced a more well-rounded approach and are now focusing on our employees' overall wellbeing.
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Posting OSHA's Form 300A
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Jan. 20, 2012--Employers required to maintain records of occupational injuries and illnesses are reminded to do the following by February 1 to comply with OSHA's record-keeping requirement:
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W2 Reporting Requirement Guidance
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Jan. 10, 2012--The IRS recently released IRS Notice 2012-9 that provides employers additional guidance on the Form W-2 reporting requirement created under the Affordable Care Act.
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NLRB Posting Requirement Delayed
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Jan. 4, 2012--The National Labor Relations Board announced that it was delaying the implementation of its rule requiring covered employers to post notice of employee rights under the National Labor Relations Act.
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CMV Drivers Banned From Cell Phones
Jan. 4, 2012--The Federal Motor Carrier Safety Administration issued a new rule, effective, Jan. 3, 2012, prohibiting interstate commercial motor vehicle drivers from using hand-held cell phones while driving.
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Benefits Buzz Newsletters
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Benefits and HR tips updated on a monthly basis.
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Live Well Work Well Newsletters
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A newsletter bringing readers information about healthy living.
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Health Savings Account Plan Limits
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Dec. 29, 2011--The Internal Revenue Service (IRS) released the 2012 cost-of-living-adjusted HSA limits.
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MN DEED Survey
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Dec. 28, 2011--Most Minnesota manufacturers are predicting 2012 to be as good or better than 2011, according to a Minnesota Department of Employment and Economic Development (DEED) report.
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2014 Pay or Play Mandate
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The Play or Pay law requires that employers with 50 or more full-time equivalent employees must provide a minimum level of medical insurance for their employees. If organizations do not meet the government requirements, they must pay a penalty.
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HHS Issues Definition of Essential Health Benefits
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Dec. 21, 2011--The Department of Health and Human Services (HHS) issued a bulletin outlining proposed policies that will give states flexibility to define the “essential health benefits” required by the Affordable Care Act.
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Adoption Assistance Programs
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Dec. 18, 2013--For employer-sponsored adoption assistance programs, the maximum amount excludible from an employee’s income in 2012 for the adoption of a child (both for regular and special needs adoptions) will be $12,650 (decreased from $13,360 in 2011)
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Medicare Prescription Drug Act
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Group health plans must provide notice to Medicare-eligible participants advising whether prescription drug coverage provided under the plan is “creditable” or “non-creditable”.
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Final Regulations on Medical Loss Ratio
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Dec. 12, 2011--The Department of Health and Human Services (HHS) announced final regulations on the medical loss ratio (MLR) requirements under the Affordable Care Act1.
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Dependent Care Regulations
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Sponsors of dependent care assistance plans are required to notify plan participants of the total tax-free benefit they received through the plan during the calendar year by January 31, 2012.
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Grandfathering of Group Health Plans
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Dec. 8, 2011--As employers make changes to their plan’s benefits and contributions, the number of “grandfathered” plans has significantly decreased over the last year. Plans that lose that status must comply with additional provisions of the law.
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2018 Excise Tax
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The government has imposed an excise tax or “Cadillac Tax” if a plan’s value is above the required maximum.
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Jeatran--MMA Acquisition of Seitlin
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Nov. 22, 2011--Last week, Marsh & McLennan Agency (MMA) announced its latest acquisition, Seitlin Insurance. Based in Florida this firm is about the same size as RJF, and was the largest independent agency in Florida.
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Annual Reporting Requirements
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Welfare benefit plans that have 100 or more participants enrolled on the first day of the plan year are required to file a Form 5500s (and attachments) each year.
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Health Savings Accounts in Wisconsin
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Wisconsin tax law was changed to treat Health Savings Account (HSA) contributions and earnings as tax-free for state income tax purposes.
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News Release - MMA Acquires Seitlin
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Nov. 17, 2011--Continuing its strategy to build a national platform, Marsh & McLennan Agency LLC (MMA), a subsidiary of insurance broker Marsh Inc., announced today the acquisition of Seitlin Insurance.
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HIPAA Audit Program
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Nov. 14, 2011--The Health and Human Services Office for Civil Rights (OCR) is piloting a program to perform up to 150 audits of covered entities to assess privacy and security compliance related to HIPAA requirements.
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Insurance Market Changes - November 2011
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Nov. 14, 2011--At RJF, we're seeing effect from this hardening market, including less available coverage, less favorable terms for policy holders like higher deductibles and lower limits, tighter underwriting scrutiny, and higher insurance premiums.
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WI Tax Law-Health Insurance for Adult Children
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Nov. 11, 2011--Wisconsin employers no longer need to add the fair market value for health insurance benefits to an employee's income as long as a child has not turned 27 by the end of the tax year.
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State of Manufacturing 2012
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Nov. 4, 2011--RJF is again sponsoring the State of Manufacturing™ research project, led by Enterprise Minnesota.
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News Release - MMA Acquires Gallagher
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Nov. 3, 2011--Marsh & McLennan Agency LLC (MMA), a subsidiary of insurance broker Marsh Inc., today announced the acquisition of Gallagher & Associates Inc., a $1 million property and casualty insurance agency specializing in public school districts.
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Wisconsin Changes Definition of Dependent
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Oct. 31, 2011--The state of Wisconsin has passed legislation that would largely change the state’s definition of dependent for insurance coverage purposes to more closely follow the new federal definition created by the Affordable Care Act.
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CLASS Act Suspended
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Oct. 31, 2011--On Oct. 14 Secretary of Health and Human Services, Kathleen Sebelius released a report regarding the analysis and viability of the CLASS Act and announced that the Administration had decided to not move forward with its implementation.
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Essential Health Benefit Recommendations
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Oct. 20, 2011--Beginning in 2014, all individual health plans and small employer fully-insured health plans must include coverage for essential health benefits.
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NLRB Posting Delayed
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Oct. 15, 2011--The National Labor Relations Board extended the implementation deadline for its notice posting rule from November 14 to January 31, 2012.
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American Jobs Act- Legislation Update
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Oct. 1, 2011--President Obama presented the American Jobs Act, including the Fair Employment Opportunity Act of 2011. Based on this proposal, the Act will prohibit employers and employment agencies from discriminating against uunemployed job-seekers.
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Preventing Harm to your Fiduciaries
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Sept. 30, 2011--Any company that sponsors a 401(k) or profit-sharing plan, or welfare plan needs Fiduciary Liability coverage to protect against errors in plan administration and breaches of fiduciary duty under ERISA.
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Concealed Carry in Wisconsin
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Sept. 30, 2011--Wisconsin has passed legislation that permits licensed and trained individuals to carry a concealed weapon. The bill, which will take effect Nov. 1, 2011, also allows people to carry loaded, uncased guns in their vehicles.
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Wellness Program Band-Aid
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Sept. 30, 2011--Focusing on behaviors is like putting a Band-Aid on a tumor. To impact the causes of poor wellbeing, companies need to focus on how people think about their choices and strengthening judgment.
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Briefly From Bill - RJF Rebrand
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Sept. 30, 2011--Over the past two years we worked closely with a local branding company to help us convey our true corporate identity. In mid-July we made our official internal brand launch and we have been “taking it to the streets” ever since.
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Medical Care Related Travel Expenses
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Sept. 30, 2011--Employees with a Health Flexible Savings Account (FSA), Health Reimbursement Account (HRA) or Health Savings Account (HSA) are able to claim medical care-related mileage for reimbursement at a slightly higher rate.
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Medicare Part D
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Sept. 16, 2011 -- Employers that provide prescription drug coverage must disclose to plan participants who are eligible for Medicare Part D whether the prescription drug coverage provided under the group health plan is creditable or non-creditable.
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Partner with Claims Adjusters
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Sept. 30, 2011--The outcome of claims depends on an attentive adjuster with good communication skills. Here are some tips business professionals working with claims can follow to maintain a positive relationship with the adjuster.
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Fleming and Jeatran Entrepreneurs of the Year
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Sept. 8, 2011--Tim Fleming, president of RJF, a Marsh & McLennan Agency LLC company, and Bill Jeatran, RJF’s CEO, were jointly selected as St. John’s University’s inaugural Entrepreneurs of the Year.
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Communication Strategies
Sept. 30, 2011--When people are not responding correctly, it’s time to stop and assess before you respond. You might first ask: How are we as leaders contributing to the problem? Have we failed to understand the needs and personalities of our people
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Jeatran to SJU Board of Regents
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Sept. 1, 2011--St. John’s University in Collegeville, Minn., recently named Bill Jeatran, chief executive officer of RJF, a Marsh & McLennan Agency LLC company, to its Board of Regents. The three-year board term began July 1.
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NLRA Rights Notice
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Aug. 31, 2011--The National Labor Relations Board (NLRB) issues final regulation requiring employers to post National Labor Right Act (NLRA) Rights Notice.
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Minnesota E-Verify
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Aug. 31, 2011--E-Verify required for Minnesota business that provide $50,000 worth of services to the State of Minnesota.
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RJF Hires Heather Roiger
 Aug. 30, 2011--RJF, a Marsh & McLennan Agency LLC company, recently hired Heather Roiger as its newest human resources consultant.
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Proposed SBC Requirements
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Aug. 24, 2011 -- The Internal Revenue Service, Department of Labor, and Health and Human Services have released proposed regulations for the Summary of Benefits and Coverage requirement (SBC) contained in the Affordable Care Act.
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MN Taxation of Adult Children Coverage
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Aug. 23, 2011 -- The Affordable Care Act extended coverage for eligible dependents up to age 26. The value of coverage for adult children can be excluded from the employee’s federal taxable income if the dependent will not reach age 27 during the calendar year.
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Group Term Life Insurance
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Internal Revenue Code Section 79 permits an employee to receive up to $50,000 of group term basic life insurance on a tax-free basis. The value amount over $50,000 must be added to the individual’s taxable income.
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COBRA Subsidy Ending
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Aug. 8, 2011 -- The COBRA subsidy provided under the American Recovery and Reinvestment Act of 2009 (ARRA) will soon come to an end.
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Preventive Services for Women
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Aug. 8, 2011 -- On August 1, 2011, the Department of Health and Human Services (HHS) adopted guidelines that require non-grandfathered health plans to provide women’s preventive services free of charge to participants.
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Health Care Reform Fees
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August 3, 2011--The IRS' Notice 2011-25 requests comments regarding the implementation of health plan fees which will help fund comparative clinical effectiveness research relating to patient-centered outcomes.
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Same Sex Benefits
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On July 2, 2011, Rhode Island Governor Lincoln Chafee signed legislation that allows same-sex couples to form civil unions effective as of July 1, 2011. The law comes just days after New York passed legislation legalizing same-sex marriage.
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Blog Overview
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Information, knowledge, insights and updates on risk and insurance from RJF and Marsh & McLennan Agency LLC.
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Services & Products
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Basically, we’ve got it all. With so much to offer, things can get left out on lists. If you don't see it below, just ask.
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Expense vs Investments
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While typically administered by the Human Resources department, the best benefits programs are seen as a strategic business asset worthy of c-suite attention and resources.
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Employee Benefits Overview
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With the increasingly complicated compliance landscape intersecting with changes in how employers and employees are defined and engage with each other, leading employers need to provide programs of benefits not just health insurance.
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Claims Consulting
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Claims management and advocacy services
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Human Resources Consulting
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Human Resources Consulting
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Health Management Consulting
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Health Management Services
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Safety Consulting
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Safety and Loss Prevention Services
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Consulting Overview
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Our consultants specialize in all aspects of risk management: Human Resources, Safety & Loss Control, Health Management & Wellness, and Claims Management. When brought together, you end up with what we call a risk prevention package.
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Steps of the PREVENT Process
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Following our PREVENT Process, RJF goes degrees further than most insurance agents and brokers are willing to go to learn about your organization, and it delivers results. Our clients are able to reduce risk, insurance and employee benefits costs while also improving their operations and profitability.
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PREVENT Process Overview
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The RJF PREVENT Process is at the heart of what we believe: that preventing risks is a smarter solution than simply managing them. It's how we identify risks and offer solutions that fit your goals, risk appetite and budget. It's how we get results.
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Press Room
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Press releases and contact information for media.
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Disclosure Statement
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Compensation Guide for US Clients
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Privacy Policy
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We are committed to your privacy.
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Careers
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Join one of the metro area's greatest places to work!
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Contact
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Find out how we can prevent your risk today. RJF has offices in Minneapolis and Duluth, MN; and Eau Claire, Hayward and Spooner, WI.
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Our Leadership
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Our leadership team is second to none.
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Our Ownership
Our Community
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RJF maintains an active commitment to the communities in which it operates.
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Our Philosophy
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We believe a business culture that supports a healthy, safe work environment by delivering the right benefits, programs and policies will keep employees engaged and more productive.
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About Overview
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As the upper Midwest hub for Marsh & McLennan Agency, RJF is a leader in risk prevention and insurance advising and consulting for mid-market employers throughout this part of the country.
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Cyber Liability Protection
RJF/MMA is experienced and knowledgeable on cyber liability risk and the insurance products available to protect you in the event of a breach.
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Carrier Relationships
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RJF has a network of reliable surety companies for many different types of clients.
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Commercial Surety
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There are many non-construction surety bonds that you might need at a moment’s notice to secure a contract or sale.
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Management & Executive Liability Insurance
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We have a large number of products drawn from our world-wide experience and partnerships with trusted insurers.
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Management & Executive Risk Prevention
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An executive or management liability insurance program with gaps in it is not worth the paper it’s written on. We can identify your exposures, conclude if they are insurable and help you decide whether insurance is the best option for protection.
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Life Science Risk Prevention
 In partnership with Marsh & McLennan, the premier global provider of advice and solutions in risk, strategy and human capital, RFJ can service any benefit or property/casualty need, nationally or internationally.
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Life Science Insurance
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RJF provides a total portfolio of insurance offerings designed to keep pace with your growing business.
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Clinical Trials Protection
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As life science organizations increasingly turn to global markets to conduct clinical trials, they become exposed to new risks. RJF offers clinical trial insurance protection through two primary sources: Chubb and Marsh.
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Construction Insurance
 We can provide access to all types of insurance common for companies in the construction industry.
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Construction Risk Prevention
 Beyond insurance, RJF can help eliminate construction and contractor risk.
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Manufacturing Risk Prevention
 Beyond insurance, RJF can help eliminate manufacturing risk.
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Manufacturing Insurance
 A sample of the insurance programs we offer manufacturers.
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Risk Prevention is More than Great Insurance
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Risk prevention services support your insurance coverage by addressing the causes of risk at its core. RJF has a many services to help prevent damaging insurance claims from occurring in the first place.
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Industry & Coverage Specialization
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RJF focuses on the following industries & specialty insurance lines: Manufacturing; Construction; Auto Dealers; Bike Industry; Franchising Hospitality; Retail; Small Business; Nonprofit; Life Science; Law Firms; Surety Bonding; Executive Liability.
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Business Insurance Services & Products
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We can fulfill any insurance need you could possibly need. If you don't see what you're looking for below, just ask.
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Local to Multi-National Protection
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Because we are a division of Marsh & McLennan Agency, you’re covered whether your firm is local, statewide, multi-state or international.
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Contract Surety
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RJF understands that a contractor's bond program is a vital component in achieving your business goals.
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Business Insurance Overview
Proper commercial insurance is essential. Our account teams work with you to help ensure adequate and accurate insurance protection is in place and that you get all the support you need—whether structuring new coverage or managing a claim through to resolution. Read More
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Surety Bonding
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RJF has skilled, in-house bond professionals who can save your company time and effort when trying to find the right surety. Our professionals understand the complexities of the bonding marketplace and can find solutions to meet your demanding needs.
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Executive Management Liability Insurance
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An executive or management liability insurance program with gaps in it is not worth the paper it’s written on. We can identify your exposures, conclude if they are insurable, and help you determine whether insurance is the best option.
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Manufacturing Overview
 We have manufacturing insurance programs available to cover workers' compensation, fleet/auto insurance, property insurance and more, but our primary concern is to help prevent claims in the first place.
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Construction Overview
 No only do we deliver competitive and quality insurance programs for contractors, we also help develop safety and risk prevention initiatives and programs that take your business culture into account.
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Life Science Overview
 We think strategically to develop customized insruance and risk prevention solutions designed specifically around the needs of life science organizations, to help you manage risks and propel growth.
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