Creating a World Class Culture Seminar Follow Up 

Wednesday, March 7, 2012, 8:00-9:30 AM

The False Claims Act is a set of statutes that are intended to discourage individuals and businesses from defrauding the government.  

Webinar--Employee Benefits and Compliance for 2012 presentation material.

December 7, 2011 - Building a Culture of Engagement Seminar Follow Up

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.

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.

The latest from the RJF bike blog.

RJF’s Retail Bike & Ski Shop Insurance Program was built from the ground up to protect bicycle shop and ski shop owners like you.

This program is the only one endorsed by the International Mountain   Bicycling Association (IMBA), available exclusively for its clubs in the United States.

Want to host a race or other special event? Make sure you and your organization are protected. Often a special policy must be issued, and RJF can help.

Shop owners and IMBA clubs can get started now.

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.

COBRA subsidies provided under health care reform legislation will end by Aug. 31, 2011 for most assistance-eligible individuals.

The U.S. 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.

Our leadership team is second to none.

Join one of the metro area's greatest places to work!

As a Marsh & McLennan Agency LLC company, there are no resources we don’t have access to.

RJF maintains an active commitment to the communities in which it operates.

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.

Feb. 17, 2012--Most health management programs tend to focus on changing behaviors and use incentives to try to get people to change. It is more important to get underneath the surface of behaviors to identify and address values and attitudes.

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. 

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.

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.

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.

Jan. 30, 2012--Fireplaces, power strips and clothes dryers are things that are in use every day. To ensure safety, it is important to follow proper maintenance and operation procedures when using these items. 

Jan. 30, 2012--Associations need workers’ compensation coverage as they can be held responsible for medical costs and lost wages for an injured contractor if there is no other insurance in place.

Jan. 30, 2012--Workers’ compensation will not cover association volunteers. In Minnesota, an injury is not covered by workers’ compensation unless an employer/employee relationship exists.

Jan. 27, 2012--Flood facts for Community Associations.

Jan. 27, 2012--Workers Compensation policies are auditable policies. The estimated payroll makes it auditable because the carrier bases the annual premium charge off the estimated payroll that is submitted to them.

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:

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.

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.

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.

Nov. 4, 2011--RJF is again sponsoring the State of Manufacturing™ research project, led by Enterprise Minnesota.

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.

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.

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.

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 Act1.

Jan. 3, 2012--The Temporary Payroll Tax Cut Continuation Act of 2011 was passed in late December and will temporarily extend a payroll tax cut for wages paid through February 29, 2012.

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.

Employees who receive disability benefits (long-term or short-term) may be taxed on these benefits based on how the premiums are paid.

Cafeteria plans must meet certain nondiscrimination requirements to ensure highly compensated key employees do not receive a disproportionate amount of tax-advantaged benefit.

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.

Our employees share their time and talents with many civic clubs, chambers of commerce, scouting organizations, religious institutions and other non-profits. It's our employees values in action.

More information on our Sponsorship levels

Click here to download the submission form and instructions.

RJF launched its 2011 Charity Challenge campaign on June 6. Our goal is to raise $125,000 by August 31 on behalf of two non-profit organizations: Children's Hospitals and Clinics of Minnesota and Admission Possible

Many, many thanks to you for taking up our challenge. We couldn't do it without you!

2011 RJF Charity Challenge - Events & Volunteer Opportunities

Meet RJF's Hayward and Spooner, Wisconsin team.

Meet RJF's Duluth team

Meet RJF's Eau Claire team.

Meet our Minneapolis team.

Dan Hanson, Director. Contact: 763-548-8599, hansond@rjfagencies.com.

Bjorn Honda, Executive Vice President. Contact: 763-746-8507, hondab@rjfagencies.com.

Helping clients with HR policies and procedures like employee handbooks, employee screening or termination procedures is just the beginning for Heather. Her true talents come through when helping a business eliminate its risks before they occur.

Alan Wissbroecker, Director of Employer Services. Contact: 763-746-8502, wissbroeckera@rjfagencies.com.

Angela Wheeler, Claims Consultant. Contact: 763-746-8266, wheelera@rjfagencies.com.

Jackie Sutherland, Safety Consultant. Contact: 763-746-8213, sutherlandj@rjfagencies.com.

Rosie Ward, Health Management Services Manager. Contact: 763-548-8861, wardr@rjfagencies.com.

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.

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.

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.

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.

Mary Setter, Senior Vice President, Employee Benefits & Carrier Relations. Contact: 763-746-8216, setterm@rjfagencies.com

Yvonne Moe Olson, Employee Benefits Consultant. Contact: 763-548-8569, moeolsony@rjfagencies.com

Greg Haffely, Producer, Benefits. Contact: 763-746-8523, haffelyg@rjfagencies.com

Brian Woods, Employee Benefits Consultant. Contact: 763-746-8211, woodsb@rjfagencies.com.

Donn Scroggins, Employee Benefits Consultant & Practice Leader. Contact: 763-746-8264, scrogginsd@rjfagencies.com.

Herman Fasbender, CIC, CIRMS, ARM, Community Association Specialist. Contact: 651-480-1739, fasbenderh@rjfagencies.com.

Joe Mirocha, CIC, CIRMS, Community Association Specialist. Contact: 763-746-8272, mirochaj@rjfagencies.com.

Sarah Fjellanger, CIC, CIRMS, Community Association Specialist. Contact: 763-746-8278, fjellangers@rjfagencies.com.

Jackie Fink, CIRMS, CIC, RN, Community Association Specialist. Contact: 763-746-8547, finkj@rjfagencies.com

Jim Erickson, Producer. Contact: 715-5523630, ericksonj@rjfagencies.com

John Simenson, Producer. Contact: 218-348-5122, simensonj@rjfagencies.com

Bob St. Arnold, Producer. Contact: 218-590-0153, starnoldb@rjfagencies.com

Tom Ziemann, Executive Vice President, Producer. Contact: 763-746-8287, ziemannt@rjfagencies.com

LeRoy Taggart, Producer. Contact: 763-746-8506, taggartl@rjfagencies.com

RJF has a dedicated community association team specializing in association risk prevention.

Claims management and advocacy services

Human Resources Consulting

Health Management Services

Safety and Loss Prevention Services

Subscribe to RJF seminars

RJF’s Health Management Services Manager Rosie Ward, Ph.D., will present “Moving Beyond Motivation for Lasting Results” at the 22nd Annual Art and Science of Health Promotion Conference.

Start receiving email invitations to our risk prevention seminars.

Thursday, April 19, 2012, 8:30-11:30 AM

Things to do to help identify, mitigate and eliminate claim fraud,which can lead to litigation and other costs.

Thursday, October 25, 2012, 8:30-11:30 AM

Find out what compliance concerns are on the horizon and get an introductory session in how health management programs deliver more results than wellness programs.

Thursday, February 9, 2012, 8:30-11:30 AM

How a well-functioning culture supports a healthy and safe environment and an engaged workforce, resulting in enhanced productivity and fewer insurance claims.

Thursday, March 15, 2012, 8:30-11:30 AM

Things to do to help identify, mitigate and eliminate claim fraud,which can lead to litigation and other costs.

Thursday, November 15, 2012, 8:30-11:30 AM

With thoughtful plan design and a structured savings education program, you give employees a better chance for retirement readiness.

Thursday, October 11, 2012, 8:30-11:30 AM

Confronting the obesity epidemic can provide profitable returns throughout your organization.

Wednesday, September 19, 2012, 8:30-11:30 AM

Common sense, low-cost and no-cost measures you can take to help safeguard your organization from very common and costly employment practices lawsuits and litigation.

Wednesday, June 20, 2012, 8:30-11:30 AM

How health care reform and other updates will affect your benefits program in 2012, and what you can do to avoid disruptions to your culture.

Wednesday, May 16, 2012, 8:30-11:30 AM

Things to do to help identify, mitigate and eliminate claim fraud, which can lead to litigation and other costs.

Thursday, March 15, 2012, 1:00-2:00 PM CST

During this Webinar you will learn about Network Security & Privacy Liability. There are exposures you should be aware of that are unique to the drug testing and program management industry. 

Thursday, March 8, 2012, 12-1 PM

This Webinar the is follow-up to the seminar “Creating a World Class Culture to Prevent Risk” and will provide you with guidance on using metrics within your organization to create a world class culture.

Wednesday, February 22, 2012, 12-1 PM

The IRS released Notice 2012-9 which clarifies its prior guidance on the requirement under the Affordable Care Act to report the cost of employer-sponsored health coverage on employees' annual Forms W-2.

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.

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.

We can fulfill any insurance need you could possibly need. If you don't see what you're looking for below, just ask.

Because we are a division of Marsh & McLennan Agency, you’re covered whether your firm is local, statewide, multi-state or international.

RJF has a network of reliable surety companies for many different types of clients.

There are many non-construction surety bonds that you might need at a moment’s notice to secure a contract or sale.

RJF understands that a contractor's bond program is a vital component in achieving your business goals.

We have a large number of products drawn from our world-wide experience and partnerships with trusted insurers.

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.

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.

RJF provides a total portfolio of insurance offerings designed to keep pace with your growing business.

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.

RJF can provide access to all types of insurance, including the following lines, which are common for companies in the construction industry.

Beyond insurance, RJF can help eliminate construction and contractor risk.

Here you'll find thoughts, ideas, updates and insight about manufacturing risk prevention, insurance, and other manufacturing industry topics.

Beyond insurance, RJF can help eliminate manufacturing risk.

A sample of the insurance programs we offer manufacturers.

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.