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2015 Cyber & Data Security Risk SurveyACA InfoACASeminarClient ToolsDealers Open Lot Reporting FormeHealthHome Life Insurance 101Online Resources - Milwaukee AppletonOnline Resources - Minneapolis Duluth Eau Claire Hayward SpoonerSAPAA Quote FormSeminar Materials--Integrated Risk PreventionSeminar--Materials for Heath Care Reform & Benefits ComplianceSubmission SuccessAboutAbout OverviewCareersDisclosure StatementMMA Sales CareersOur CommunityPress RoomPrivacy PolicyRegional and Local LeadershipVision Mission and ValuesContact and LocationsContactKansas OfficesMichigan OfficesMinnesota OfficesMissouri OfficesNorth Dakota OfficesSouth Dakota OfficesWisconsin OfficesBlog2014 Charity Challenge 2014 Cyber & Data Security Risk Survey Report2014 Pay or Play Mandate2015 is Right Around the Corner2016 FSA Adoption and Commuter Limits Released2018 Excise Tax90-Day Waiting Period Limits90-Day Waiting Period Rules and Eligibility RequirementsA Second Look at Onsite ClinicsA Year of Change - Employee Benefits in 2016ACA Employer ReportingACA Impact on Small BusinessesACA Preventive Service MandateACA Reinsurance Fee OverviewACA Reporting DelayedACA Reporting Penalities IncreasedACA Small Group Expansion RepealedAdditional FAQs on SBC RequirementsAddressing Employee Needs Following DisasterAdjustment for Transit and Parking BenefitsAdministration Extends Temporary “Fix” For Individual And Small Group PlansAdoption Assistance ProgramsAffordable Care Act amended the Fair Labor Standards Act FLSAAffordable Care Act Technical ReleaseAgencies Finalize Preventive Care RulesAgencies Issue Final SBC RulesAgencies Issue Guidance on Employers' Premium Reiumbursement Options for EmployeesAgencies Release New Summary of Benefits and Coverage TemplatesAmerican Jobs Act- Legislation UpdateAnnual Reporting RequirementsAnthem Cyber-AttackAre You Emod Savvy?Benefits Buzz NewslettersBeyond OSHA compliance--How an increased safety focus can benefit employersBlog OverviewBriefly From Bill - Cyber Security Issues Affect Small and Midsize Companies TooBriefly From Bill - RJF RebrandBriefly From Bill - Three Upcoming Risks for EmployersBusiness Insurance Outlook for 2015Cadillac Tax DelayedCafeteria Plan Nondescrimination RequirementsChanges to Minnesota’s Anti-Indemnification Impacts You and Your Construction ContractsCLASS Act SuspendedCMS Extends Reinsurance Fee Submission DeadlineCMV Drivers Banned From Cell PhonesCoach to Values Not BehaviorCobra Audit Guidelines Revised by IRSCOBRA Exchange Special EnrollmentCOBRA Subsidy EndingComing Soon New DOL Overtime RulesCommercial Property and Casualty Insurance in 2016 - New trends and opportunitiesCommon Controlled Group BasicsCommunication StrategiesCommunication Tips for Surviving the Data Breach Epidemic of 2015Comparative Effectiveness FeesCompliance CalendarsCompliance Year-End RemindersConcealed Carry in WisconsinCongress Extends Parity to Mass Transit Benefits – PermanentlyConsider Hiring a Vet or his or her spouse or dependentCovering Your Bases - Insuring Against DisastersCyber & Data Security Risk Survey ReportCyber Liability: Determining What Information is ConfidentialCyber Liability: The Cost of a Data BreachCyber Liability: Understanding Third-Party Exposure RisksDefining the Employment Status of InternsDefinition of Full-time EmployeeDependent Care RegulationsDisaster Preparedness And Recovery — Useful ResourcesDisaster Preparedness UpdateDisaster-related Information for EmployersDistracted DrivingDOL Begins Enforcing Affordable Care ActDOL Revises FMLA Definition of SpouseDOL’s Final Fiduciary Rules for Investment Advisors Apply to HSAsDraft 2015 ACA Reporting Instructions Require Reporting by Employers with HRAsEB 2012 Compliance - Adoption AssistanceEB 2012 Compliance - Annual Notice Requirements & RemindersEB 2012 Compliance - Annual Reporting RequirementsEB 2012 Compliance - Cafeteria Plan Nondiscrimination RequirementsEB 2012 Compliance - Dependent Care RegulationsEB 2012 Compliance - Disability Benefit TaxationEB 2012 Compliance - Group Term Life Insurance Imputed IncomeEB 2012 Compliance - HSA Plan LimitsEB 2012 Compliance - Medicare Prescription Drug Improvements & Modernization ActEB 2012 Compliance - Section 105H Nondiscrimination RequirementsEB 2012 Compliance - Transportation Fringe Benefit LimitsEB 2012 Review - 2014 Employer Shared Responsibility RulesEB 2012 Review - Grandfathered Plan StatusEB 2012 Review - Health Care ReformEB 2012 Review - Summary of Benefits & Coverage RequirementsEB 2012 Review - Timeline of EventsEbola Preparedness ResourcesEEOC Proposes Rules For Wellness ProgramsEEOC Reminded That Congress Writes LawsEmployee Benefits - 2013 Year in ReviewEmployee Benefits 2014 A Year in ReviewEmployee Benefits in 2014 - Where are we now and where are we going?Employee Benefits Outlook for 2015 - Trends to WatchEmployee Benefits Strategy for 2015 - Penalties Mandates & Reporting Requirements Under the ACAEmployee Benefits Strategy for 2015 - Understanding Plan Design Options Under the ACAEmployee Benefits Year In Review 2012Employee Choice SHOP DelayEmployee Recruitment Build Creative Strategies for Marketing Your Employment Brand to Future WorkersEmployer Shared Responsibility Rules Delayed until 2015ERISA Disclosure RequirementsEssential Health Benefit RecommendationsFacts About Emod ChangesFalse Claims ActFamily Medical Leave Act UpdatesFAQ SBC RequirementsFederal Government Shut Down Implications for HRFeds Sue Honeywell Over WellnessFinal FLSA Overtime Regulations to Take Effect December 1 2016Final Regulations on Medical Loss RatioFinal Rule for ACA Medicare Tax Rule IssuedFinal Rule for Health Insurance ExchangesFinal Rule on Orientation PeriodsFinal Rules for Wellness PlansFinal Rules on the ACA Employer MandateFleming and Jeatran Entrepreneurs of the YearFlood Prep & ResponseFLSA Rule Change in 2015 Could Have a Big Impact on EmployersFour Pillars of Organic GrowthFSA Discrimination TestingFSA HRA HSAFSA LimitFSA Use It Or Lose It ModificationGetting Better Return-to-Work Programs are Helpful to Both Employees and EmployersGood Coach - Bad CoachGrandfathering of Group Health PlansGroup Disability InsuranceGroup Term Life InsuranceHealth Care Reform Employer PenaltiesHealth Care Reform FeesHealth Care Ricochet: New Solutions Called For as the ACA Threatens to Boost Workers' Compensation CostsHealth Insurance Deadline Delay or ExtensionHealth Plan Identifier OverviewHealth Plan Identifier Requirement DelayedHealth Savings Account Plan LimitsHealth Savings Accounts in WisconsinHealthy Culture Great CompanyHelping the New Workforce to InterdependenceHHS Announces Start to Phase 2 of HIPAA Audit ProgramHHS Finalizes 2017 Out-of-Pocket Maximums and Marketplace GuidanceHHS Issues Definition of Essential Health BenefitsHHS Updates Cost-Sharing RuleHIPAA Audit ProgramHIPAA HITECH Omnibus Final RuleHIPAA Notice of Privacy PracticesHIPAA Notice of Privacy Practices UpdateHiring Considerations- Arrests & Conviction RecordsHobby Lobby CaseHours of ServiceHow to avoid the COBRA bite - Explain all options to departing employeesHow to Ensure Your Experience Modification Worksheet is AccurateHRAS FSAS and Premium Reimbursement PlansHSA Limits for 2013HSA Limits for 2014Impact of DOMA Ruling on Health and Welfare PlansImpact of the Election on the ACAIncreased Medicare TaxInsurance Market Changes - November 2011Internship Programs Under the Fair Labor Standards ActIntroducing Employees to Private ExchangesIRA Issues Draft ACA Reporting Form InstructionsIRS Addresses ACA Rules for Employer-provided Health CoverageIRS Issues Draft ACA Reporting FormsIRS Issues Final 2015 Health Plan Coverage Reporting InstructionsIRS Issues More Cadillac Tax InsightsIRS Issues Proposed Employer Reporting RulesIRS Releases 2015 HFSA and Commuter Benefits LimitsIRS Releases 2015 HSA Account and Plan LimitsIRS Releases 2016 HSA Account & Plan LimitsIRS Releases Draft 2015 Instructions for ACA Reporting FormsIRS Releases Guidance on Employer Shared Responsibility RulesIRS Releases Guidance on Employer Shared Responsibility RulesIRS Releases More Guidance on Employer Reimbursement PlansIRS Releases Updated ACA Reporting FormsIRS Rules Employer Payment Plan EPP Arrangements Violate ACA Requirements on Annual LimitsIs captive insurance a good fit for your company?Jeatran to SJU Board of RegentsJeatran--MMA Acquisition of SeitlinJob site safety - Controlling losses and reducing claimsLawsuit alleges Dave & Buster's reduced hours to avoid ACALive Well Work Well NewslettersLooking beyond MNsure's 2015 premium rates releaseLower Court Same-Sex Marriage Rulings Stand in Five StatesLow-Tech Cyber RiskManage Claims to Lower Your Workers Compensation PremiumManaging ACA Tracking & Reporting Requirements for 2015Marketplace Subsidies for Adult ChildrenMarsh & McLennan Agency Acquires Dawson InsuranceMarsh & McLennan Agency Acquires JW TerrillMarsh & McLennan Agency's Upper Midwest Region Adds Environmental Risk & Compliance ServicesMedica Children’s Hospitals and Clinics of Minnesota at Odds on Renewal ContractMedical Care Related Travel ExpensesMedical Loss Ratio RebatesMedicare Part DMedicare Prescription Drug ActMercer Releases 2015 Health Plan Survey ResultsMethods for Determining Employer Plan Minimum ValueMinimum Value and AffordabilityMinnesota Business Presents Community Impact Award to Marsh & McLennan Agency – Upper MidwestMinnesota E-VerifyMinnesota OSHA Adopts Federal OSHA Reporting RequirementsMinnesota Senior Living Reimbursement Reform 2015Mitigating Risk Through Effective People StrategiesMMA Acquires Liscomb Hood MasonMMA Launches Customer ThermometerMMA Minneapolis Leadership ChangesMN DEED SurveyMN Taxation of Adult Children CoverageMN Workers Comp Insurance PayrollMNSure COBRA Special Enrollment PeriodModel Notice of ExchangeNew Agency Guidance and Relief on Offering Student Health InsuranceNew MNsure COBRA Special Enrollment PeriodNew Rules on Overtime Pay on Track for 2016New Ruling On Criminal History Questions in MinnesotaNews Release - 2013 Charity Challenge Individual Monetary Donations Up 49 PercentNews Release - Amy Diedrich joins RJF-Marsh & McLennan Agency as employee benefits consultantNews Release - Commercial Flood Insurance Rates Jump Availability Declines as Upper Midwest Flood Danger LoomsNews Release - Excellence in Risk ManagementNews Release - Jill Lowder Elected to the Society of Certified Insurance Counselors Board of GovernorsNews Release - Liscomb Hood Mason Company and Marsh & McLennan Agency Offices Unite Under Common Brand in One LocationNews Release - Marsh & McLennan Agency Acquires Aviation Solutions LLCNews Release - Marsh & McLennan Agency Acquires Barney & BarneyNews Release - Marsh & McLennan Agency Acquires Cambridge Property & CasualtyNews Release - Marsh & McLennan Agency Acquires Great Lakes Employee Benefit ServicesNews Release - Marsh & McLennan Agency Acquires MHBT IncNews Release - Marsh & McLennan Agency Acquires Senn Dunn InsuranceNews Release - Marsh & McLennan Agency Acquires Tequesta Insurance AdvisorsNews Release - Marsh & McLennan Agency Adds Two Attorneys to Help Employers Navigate Affordable Care ActNews Release - Marsh & McLennan Agency Donates 300000 to Three Twin Cities CharitiesNews Release - Marsh & McLennan Agency's Minneapolis Office Named a Finalist in 2014 Community Impact AwardsNews Release - Marsh and McLennan Agency Acquires Cline Wood AgencyNews Release - MMA Acquires BrowerNews Release - MMA Acquires Eidson InsuranceNews Release - MMA Acquires GallagherNews Release - MMA Acquires Howalt McDowellNews Release - MMA Acquires KSPHNews Release - MMA Acquires McGraw WentworthNews Release - MMA Acquires Progressive Benefit SolutionsNews Release - MMA Acquires Protector GroupNews Release - MMA Acquires Rosenfeld EinsteinNews Release - MMA Acquires Security Insurance ServicesNews Release - MMA Acquires SeitlinNews Release - RJF to Operate as Marsh & McLennan AgencyNews Release - RJFMarsh & McLennan Agency Earns Highest Honors From The Hanover Insurance GroupNews Release - Seven Marsh & McLennan Agency Employees Earn New Affordable Care Act CertificationNews Release - SFM Elects Marsh & McLennan Agency’s Jill Lowder to BoardNews Release - Small and Midsize Employers in Minnesota Largely Uninsured Against Cyber CrimeNews Release - Star Tribune Names Marsh & McLennan Agency’s Twin Cities Office A 2014 Top WorkplaceNews Release - Survey Spurs Marsh & McLennan Agency to Educate Mid-Market Employers on Cyber and Data RiskNFIP Extended for Five YearsNLRA Rights NoticeNLRB Posting DelayedNLRB Posting Requirement DelayedNLRB’s Ruling on First Transit Could Affect Employers’ Social Media PoliciesNon-Calendar Year Transition ReliefNotice of Exchange DelaysOnboarding new employees and the growth of mentoring as way of improving retentionOSHA Expands Injury Reporting Requirements & Alters 300 Log ExemptionsOSHA Seminar Video PromoOut of Pocket Maximum LimitsOut-Of-Pocket Limit Rules for 2016Overtime ExpansionParity for Mass Transit PlansPartner with Claims AdjustersPayroll Tax Cut ExtendedPCORI FeesPerformance Management is Much More Than a Yearly ReviewPopulation Health ManagementPost-Disaster - Mitigate The ImpactPosting OSHA's Form 300APrepare For US Supreme Court Health Insurance Exchange RulingPrevent Getting the Flu & Cold This SeasonPreventing Harm to your FiduciariesPreventing Talent VoidsPreventive Services for WomenProperty & Casualty Update - July 2014Proposed Rules Regarding Excepted BenefitsProposed SBC RequirementsPublic vs Private ExchangesRegulations on Summary of Benefit & CoveragesRegulatory Changes for Commercial DriversReinsurance Fee Submission GuideRetroactive Increase to Mass Transit Benefit LimitRJF Becoming MMARJF Hires Brian SzczechRJF Hires Heather RoigerRJF on the Security Insurance Services AcquisitionRJF Wellness to WellbeingSame Sex BenefitsSame Sex Spousal Cafeteria PlanSCOTUS Decision & the Impact on EmployersSCOTUS Rules on ACASection 105h Nondiscrimination RulesSHOP Enrollment DelaySix Key Workers’ Compensation Developments to WatchSmall Employer Choice Option Delayed on Federal SHOP ExchangeSmall Employer Premium Tax Credit for WISmall Group Deductible Limits RepealedSmall Group Insurance RegulationsSocial Engineering Impersonation FraudStart Planning for ACA Mandates for 2015 NowState of Manufacturing 2012Statutory Disability 2012Stillwater Fire Department Receives Grant For Fire Rescue BoatStrengthening Employee Engagement…and AbsSupreme Court Legalizes Same-Sex MarriageSupreme Court Saves the ACATaking Ownership of Your Workers’ Compensation ProgramTax Credits and Individual Tax LiabilityTax Treatment of Benefits Provided to Same-Sex Married CouplesTaxation of Domestic Partner CoverageThe Affordable Care Act’s Penalties and Fees What Employers Need to KnowThe Cadillac TaxThe Changing Commercial Insurance MarketplaceThe Disability and Medical Leave MinefieldThe Health Care Reform Penalty and Fee Risks for Large EmployersThe Millennial Workforce Millennials and the Recruitment-Retention ProcessThe Millennial Workforce: What Management Should KnowThe New “Ban the Box” Law—What It Means For EmployersThe Pros and Cons of Private Exchanges - Things Employers Should Know and ConsiderThe State of Manufacturing® Results OptimisticThe Women’s Economic Security Act--WESATip Sheet - Documenting Damages & LossesTip Sheet - Resources for Employees following disasterTop 10 Questions About the Experience Modification Rating AnsweredTotal Cost of RiskTotal Worker Health IntroductionTransportation Fringe Benefit LimitsTrends in Employment Law Claims — Looking AheadTrends in Employment Law Claims — Looking BackUnderstanding the Experience Modification RatingUnderstanding the Value of Integrated Risk PreventionUnwitting Victims - Target data breach shows smaller companies are at riskUpdated CHIP NoticeUpdated CHIP Notice AvailableUpdated CHIP Notice for Use Until 2016US Senate Adjourns for 2014 Without Reauthorizing TRIPRAVacation and PTO What do employers owe departing employees?Voluntary Benefits - Expanding Flexibility Building LoyaltyW-2 Health Insurance Reporting ReviewW2 Reporting Requirement GuidanceWage Continuation ReportingWellness Program Band-AidWellness Program GuidanceWhat Companies Should Know About Cyber LiabilityWhat Employers Need To Know About MNsureWhat to Expect from Your Carrier Post-DisasterWhat to know about cyber liability policiesWhat to Know About the New OFCCP Regulations Regarding Affirmative Action for Veterans and the DisabledWhy Private Companies Need D&O InsuranceWhy Sales Managers FailWI Tax Law-Health Insurance for Adult ChildrenWisconsin Changes Definition of DependentWomen's Preventive Care Under ACAWork Comp Claims Refile Services Bring Substantial SavingsWorkers Compensation Fraud - A challenge and an opportunityWorkplace Ergonomics Fit the Job to the WorkerBusiness InsuranceBusiness Insurance OverviewBusiness Insurance Services & ProductsCarrier RelationshipsClinical Trials ProtectionCommercial SuretyConstruction InsuranceConstruction OverviewConstruction Risk PreventionContract SuretyCyber Liability ProtectionDuluth Builders Exchange Group Safety Dividend Insurance ProgramExecutive Management Liability InsuranceIndustry & Coverage SpecializationLife Science InsuranceLife Science OverviewLife Science Risk PreventionLocal to Multi-National ProtectionManagement & Executive Liability InsuranceManagement & Executive Risk PreventionManufacturing InsuranceManufacturing OverviewManufacturing Risk PreventionMSBAIT Risk Protection Program Through Marsh & McLennan AgencyNursing Home & Senior Living InsuranceNursing Home & Senior Living OverviewNursing Home & Senior Living Risk PreventionRisk Prevention is More than Great InsuranceSchool Insurance Products & ServicesSchool Risk PreventionSchools OverviewSurety BondingThe Workers’ Compensation Experience Modification RatingConsultingClaims ConsultingConsulting OverviewEnvironmental ConsultingHealth Management ConsultingHuman Resources ConsultingSafety ConsultingEmployee BenefitsEmployee Benefits OverviewExpense vs InvestmentsIRS Issues 2015 Affordability RatesServices & ProductsEventsEvents OverviewSubscriptionsArchived WebinarsCompliance Requirements for the Small EmployerE-Mods and Workers' CompEvaluating Your Safety ProgramSelf-Funded Plans in a Post-Reform WorldSelf-funding Your Health PlanSeminar -- An Introduction to Total Worker Health Understanding 6055/6056 Reporting RequirementsWebinar -- Crash Course on Mid-Year Changes to Cafeteria PlansWebinar -- E-mods and Workers' CompWebinar -- Employers Guide to Surviving an Agency AuditWebinar -- Health Care ReformWebinar -- Health Care Reform - DecemberWebinar--Basics of Low-Cost Group Health PlansWebinar--Bring Sustainable Culture Change to Your OrganizationWebinar--Complying with HIPAA Privacy RulesWebinar--Cyber LiabilityWebinar--Discrimination TestingWebinar--Effective Safety CommitteesWebinar--Emod Calculation ChangesWebinar--Employer Benefits Obligations Post-DOMAWebinar--Employers Playbook - Pay or PlayWebinar--Health Care Reform & Compliance Update Q4Webinar--Health Care Reform and Compliance Update Q1Webinar--Health Care Reform and Compliance Update Q2Webinar--Implications of the Election on ACA RulesWebinar--Incident Reporting & InvestigationWebinar--Leadership DevelopmentWebinar--Learn the Risk Management CenterWebinar--Maximizing Your Surety CreditWebinar--Measuring Safety CultureWebinar--Medical Funding ConceptsWebinar--Mercer Benchmark SurveyWebinar--Prevent Claims Fraud and LitigationWebinar--Prevent Turnover with Pre-employment ScreeningWebinar--Private ExchangesWebinar--Public vs Private ExchangesWebinar--Shifting Patterns of ThinkingWebinar--Trends in Benefits Administration TechnologyWebinar--Trends in Voluntary BenefitsWebinar--Understanding Your Surety RelationshipWebinar--Unweaving the World of Leave ManagmentWebinar--Wellness Program LegalitiesWebinar--Workers' Compensation 101Workshop--Pay or Play - MinneapolisCharity Challenge2014 Charity Challenge | Marsh & McLennan Agency LLC2014 Charity Challenge Supporters2015 Charity Challenge SupportersBriefly From Bill - 2012 Charity ChallengeCharity Challenge SupportersPast Charity ChallengesSeminarsHealth Care Ricochet - How the ACA Affects Workers’ CompRisk Prevention & Insurance SeminarsSuccession Planning and Knowledge TransferWebinarsAffordable Care Act - A Mid-Year UpdateWebinars OverviewWhat's Trending in Employee Benefits ComplianceWorkshopsLoss Control for ContractorsOn-Site ClinicsWorkshops OverviewPeopleAlan WissbroeckerAli McGintyAmy DiedrichAngela WheelerAppleton PeopleBern HockenBill JeatranBjorn HondaBob BauerBob PronoldBob St ArnoldBrenda GluecksteinBruce MortonCasey NepperCassandra RudyCorie CurtisDan HansonDave DiehlDave HosackDavid RumseyDawn ArayaDeb LindquistDerrick IselerDonn ScrogginsDoug ImholteDuluth PeopleEau Claire PeopleGeorge StruveGreg HaffelyGreg SandvigHayward-Spooner PeopleHerman FasbenderJeff SettemJeff SkougJesse BewerJessica DaRoncoJill LowderJill O'BrienJim EricksonJim JohnsonJim WojciechowskiJohn MaresJohn McDonoughJohn SiffertJohn SimensonJon KrawczykJon TerryJustin UhrichKathy HartsockKim AdeyLaura MooreLeRoy TaggartLindsey HansonLisa VildbergLorne TschanzMary Pat AanensonMary SetterMatthew EntwistleMelinda GibasMichael BarryMike MusicMilwaukee PeopleMinneapolis PeoplePatrick CollentinePaul Seifert JrPeople OverviewPK KrihaReesa BakerRich NiestromRyan BeduhnRyan McArtonRyan WatkinsScott ChapinScott NazeShalin JohnsonSteve LichtenbergTara ArndtTim FlemingTim GallagherTodd EllingsonTom GallagherTom NepperTony ProsperoTracy EichmannWilliam SchaafPREVENTPREVENT Process OverviewReducing Workers' Compensation Losses Case Study - RRTSteps of the PREVENT Process