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2015 Cyber & Data Security Risk Survey2017 Global Cyber SurveyACA InfoACASeminarAllen SchlenkerClient ToolsDealers Open Lot Reporting FormeHealthHome HowaltMcDowellAMarshMcLennanAgencyJerry JencksLife Insurance 101Online Resources - Milwaukee AppletonOnline Resources - Minneapolis Duluth Eau Claire Hayward SpoonerOnline Resources - Sioux FallsSAPAA 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 & 2016 Cyber & Data Security Risk Survey Report2015 is Right Around the Corner2016 FSA Adoption and Commuter Limits Released2017 ACA Reporting Forms Now Available2017 Employee Benefits Trends2017 Tax Returns Require Filers to Certify Health Insurance2018 P & C Outlook2018 Excise Tax90-Day Waiting Period Limits90-Day Waiting Period Rules and Eligibility RequirementsA Gap In Coverage- Locum Tenens PhysiciansA 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 RepealedACHA Passes House- Heads to SenateAdditional 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 ReleaseAfter Much Secrecy Republicans Release Healthcare BillAgencies Finalize Preventive Care RulesAgencies Issue Final SBC RulesAgencies Issue Guidance on Employers' Premium Reiumbursement Options for EmployeesAgencies Release New Summary of Benefits and Coverage TemplatesAgencies Release Proposed Regulations on Short-Term Limited Duration InsuranceAHCA Bill Released in SenateAHCA Passes in the HouseAIR System Will Remain Up and Running After June 30th DeadlineAlternative to Affordable Care Act UnveiledAmerican Health Care Act -Congressional Republicans’ ACA ReplacementAmerican Jobs Act- Legislation UpdateAnnual Enrollment Keeping Employees EngagedAnnual Reporting RequirementsAnthem Cyber-AttackAre You Emod Savvy?Benefits Buzz NewslettersBeware of FICA-Reduction Arrangements using Wellness ProgramsBeyond 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 2015Business Insurance Tips for 2018Cadillac Tax DelayedCafeteria Plan Nondescrimination RequirementsCatastrophic DisastersChanges to Minnesota’s Anti-Indemnification Impacts You and Your Construction ContractsCLASS Act SuspendedCMS Extends Reinsurance Fee Submission DeadlineCMS Extends Transition Relief for Non-Compliant Plans Through 2019CMV 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 Update IRS Accepting Tax Returns Without Indication of Health InsuranceCompliance Year-End RemindersConcealed Carry in WisconsinCongress Extends Parity to Mass Transit Benefits – PermanentlyCongress Passes Law Explanding Use of HRAs by Small EmployersConsider Hiring a Vet or his or her spouse or dependentConstruction ContractsCourt Sends Wellness Regulations Back to EEOC for ReconsiderationCourt Vacates EEOC Wellness Program Incentives RulesCovering Your Bases - Insuring Against DisastersCrisis Management Part One - Plan and PrepareCrisis Management Part Three- PR PlanCrisis Management Part Two - Business InterruptionCyber & Data Security Risk Survey ReportCyber Breach - EquifaxCyber Liability: Determining What Information is ConfidentialCyber Liability: The Cost of a Data BreachCyber Liability: Understanding Third-Party Exposure RisksCyber Privacy Law and Governance in the Spotlight After US ElectionData Breach Risks During Annual EnrollmentDefining the Employment Status of InternsDefinition of Full-time EmployeeDependent Care RegulationsDisaster Preparedness And Recovery — Useful ResourcesDisaster Preparedness UpdateDisaster-related Information for EmployersDiscontinuation of Cost-Sharing Subsidies in the MarketplacesDistracted DrivingDOL Begins Enforcing Affordable Care ActDOL Proposes Changes to Annual Reporting for ERISA PlansDOL Revises FMLA Definition of SpouseDOL Workers Comp Program to Monitor Opioid UseDOL’s Final Fiduciary Rules for Investment Advisors Apply to HSAsDraft 2015 ACA Reporting Instructions Require Reporting by Employers with HRAsDrones expand business' horizonsEB 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 Releases Final Rules for Wellness Programs under ADA and GINAEEOC Reminded That Congress Writes LawsEEOC’s Status Report in AARP v EEOC Creates Uncertainty for Wellness ProgramsEffectively Managing Crises and Reputational Risk For Health Care OrganizationsElectronic Logging Devices- A Hacker's New Window?Employee Benefit Changes in the Tax Cuts and Jobs Act of 2017Employee 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 in 2017 - Change is coming - How will it affect you?Employee Benefits in 2018Employee 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 WorkersEmployee Retention- A Strategic ApproachEmployer Shared Responsibility Rules Delayed until 2015Enrollment Counts for Transitional Reinsurance Fee Due Nov 15 2016Environmental Compliance and the Trump AdministrationEnvironmental Compliance: Toxic Substances Control ActEnvironmental Risk - Finding the Help You Need in this Highly-Regulated AreaErgonomics- The Impact on Your Bottom LineERISA Disclosure RequirementsEssential Health Benefit RecommendationsEven with an uncertain future new fiduciary rule has changed retirement plansFacts About Emod ChangesFall Protection StandardsFalse Claims ActFamily Medical Leave Act UpdatesFAQ SBC RequirementsFederal Contractors and Close FriendsFederal 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 ACA Nondiscrimination ProvisionsFinal Rule on Orientation PeriodsFinal Rules for Wellness PlansFinal Rules on the ACA Employer MandateFive Ways to Improve Your Company's Open EnrollmentFleming 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 ServiceHouse Committees Release Proposed Legislation to Repeal and Replace the ACAHouse Republicans Withdraw the AHCAHow 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 ACAImproving Quality of Care Hinges on Employee EngagementIncreased Medicare TaxInsurance Market Changes - November 2011Interim Rules on Contraceptive ExemptionsInternship 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 Adjusts HSA Contribution LimitIRS Announces 2017 HSA and FSA LimitsIRS Extends Deadline for 1095 FormsIRS Issues Draft ACA Reporting FormsIRS Issues Final 2015 Health Plan Coverage Reporting InstructionsIRS Issues More Cadillac Tax InsightsIRS Issues Proposed Employer Reporting RulesIRS Provides a 30-Day Extension for Furnishing Forms 1095IRS 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 claimsJudge Blocks Overtime Rule Set to Take Effect December 1Lawsuit alleges Dave & Buster's reduced hours to avoid ACALegalizing Marijuana Raises Legal Issues for EmployersLive Well Work Well NewslettersLocal News- Minneapolis sets minimum wage to 15 per hourLooking beyond MNsure's 2015 premium rates releaseLower Court Same-Sex Marriage Rulings Stand in Five StatesLow-Tech Cyber RiskMA Releases Proposed Regulations on EMAC SupplementManage Claims to Lower Your Workers Compensation PremiumManaging ACA Tracking & Reporting Requirements for 2015March 2018 Promotion & New HiresMarketplace Subsidies for Adult ChildrenMarketplace Subsidy Notices What Employers Need to KnowMarsh & 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 Part D Creditable Coverage Notice RequirementMedicare Part D Notices Due by Oct 14Medicare Prescription Drug ActMercer Releases 2015 Health Plan Survey ResultsMethods for Determining Employer Plan Minimum ValueMinimum Value and AffordabilityMinneapolis Approves Paid Sick Leave LawMinnesota 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 Announces Client Directors and Technology Team AdditionsMMA Launches Customer ThermometerMMA Minneapolis Leadership ChangesMMA Stop Loss SurveyMN 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 OSHA Reporting and Drug Testing RulesNew OSHA Silica Standard Effective September 23New Rules on Overtime Pay on Track for 2016New Ruling On Criminal History Questions in MinnesotaNew York Paid Family Leave LawNews Release - 2013 Charity Challenge Individual Monetary Donations Up 49 PercentNews Release - Amy Diedrich joins RJF-Marsh & McLennan Agency as employee benefits consultantNews Release - Bill Jeatran Appointed New MMA PresidentNews 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 Blakestad IncNews 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 RJF Financial ServicesNews 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 RiskNews Release - Tim Fleming New Upper Midwest CEONFIP 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 Compliance Alert OSHA Delays Electronic Reporting RequirementOSHA Expands Injury Reporting Requirements & Alters 300 Log ExemptionsOSHA Injury Tracking Live OnlineOSHA News Release- Delay in Crystalline Silica Standard EnforcementOSHA Seminar Video PromoOT Regulatory burdens shift to statesOut of Pocket Maximum LimitsOut-Of-Pocket Limit Rules for 2016Overtime ExpansionParity for Mass Transit PlansPartner with Claims AdjustersPayroll Tax Cut ExtendedPBJ Reporting & its Potential Impact on Workers' Compensation InsurancePCORI FeesPCORI Fees due by August 1 2016PCORI Fees Due by End of JulyPerformance Management is Much More Than a Yearly ReviewPopulation Health ManagementPost-Disaster - Mitigate The ImpactPost-Election Returns What Now for Obamacare?Posting OSHA's Form 300APrepare For US Supreme Court Health Insurance Exchange RulingPreparing For Your Regulatory InspectionPresident Trump Issues Executive Order on the Affordable Care ActPrevent Getting the Flu & Cold This SeasonPreventing Harm to your FiduciariesPreventing Talent VoidsPreventive Services for WomenProperty & Casualty Update - July 2014Property and Casualty Commercial Insurance 2017 - A Good Time to Re-Examine StrategiesProposed Rules Regarding Excepted BenefitsProposed SBC RequirementsPublic vs Private ExchangesRecap of MMA Seminar- The Future of Health Care & Employee BenefitsRecap of MMA Seminar: Employment Law 2018Regulations on Summary of Benefit & CoveragesRegulatory Changes for Commercial DriversReinsurance Fee Submission GuideReports Of The Fiduciary Rule’s Demise May Be Greatly ExaggeratedRetroactive Increase to Mass Transit Benefit LimitRevealing Financial Risk & Improving Financial HealthRevised I-9 Form Now AvailableRisk Assessment - Are You a Better Risk Than You Think?RJF Becoming MMARJF Hires Brian SzczechRJF Hires Heather RoigerRJF on the Security Insurance Services AcquisitionRJF Wellness to WellbeingRyan Watkins in Mpls St Paul Business JournalSafety Resources - AWAIR ChecklistSafety Resources - Winter Slips and FallsSafety Resources- Excavation Safety Stand DownSafety Resources- Fire Prevention & ControlSafety Resources- MN DLI Safety GrantsSafety Resources- Office ErgonomicsSafety Resources- OSHA RecordkeepingSafety Resources- Safe Driving TipsSame Sex BenefitsSame Sex Spousal Cafeteria PlanSCOTUS Decision & the Impact on EmployersSCOTUS Rules on ACASection 105h Nondiscrimination RulesSevere Weather- Why It MattersSHOP Enrollment DelaySick & Safe Leave Rule- Ordinances in Minneapolis and St PaulSix 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 FraudSocial Engineering Impersonation FraudSpending Bill Delays Cadillac TaxStart 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 ProgramTalent Management- Planning for GrowthTax Credits and Individual Tax LiabilityTax Treatment of Benefits Provided to Same-Sex Married CouplesTaxation of Domestic Partner CoverageTelemedicine and HSAsTexting While DrivingThe 4 Myths of IT Data SecurityThe Affordable Care Act’s Penalties and Fees What Employers Need to KnowThe AHCA-- What Employers Need to KnowThe Annual HR AuditThe 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 Need for Flood InsuranceThe New “Ban the Box” Law—What It Means For EmployersThe Opioid Crisis- Why Employers Need to Pay AttentionThe 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 disasterTips for Controlling Workers' Compensation Prescription CostsTips for Riding Out the StormTop 10 Questions About the Experience Modification Rating AnsweredTotal Cost of RiskTotal Worker Health IntroductionTransportation Fringe Benefit LimitsTrends in Discrimination & Harrassment LawsuitsTrends in Employment Law Claims — Looking AheadTrends in Employment Law Claims — Looking BackTruck Driving & Ergonomic ChallengesTrumps Executive Order on Health CareTrustee ExposureUmbrella Policies-Customized Protection for High EarnersUnderstanding the Experience Modification RatingUnderstanding the Medical Loss RatioUnderstanding 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 2016Updated OSHA Silica Standard aims to Keep Workers SafeUS 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 ReportingWeight Management- Help Your Employees Help ThemselvesWellness Program Band-AidWellness Program GuidanceWhat Companies Should Know About Cyber LiabilityWhat Employers Need To Know About MNsureWhat the 2017 Tax Reform Actually Means for EmployersWhat 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 DisabledWhere is Health Care Reform HeadedWhite House Extends Transition Relief for Non-Compliant Plans Through 2018Why Manufacturing Companies Are Now More Susceptible to Data BreachesWhy 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 SavingsWork Wellbeing- Easing Holiday StressWorkers Comp - Issues with Temporary, Seasonal and Contract EmployeesWorkers Compensation Fraud - A challenge and an opportunityWorkplace BullyingWorkplace Ergonomics Fit the Job to the WorkerWorkplace Harassment- Can You Practice Zero Tolerance?Business InsuranceBusiness Insurance OverviewBusiness Insurance Services & ProductsCarrier RelationshipsClinical Trials ProtectionCommercial SuretyConstruction InsuranceConstruction OverviewConstruction Risk PreventionContract SuretyCyber Liability ProtectionCyber Liability Protection - oldDuluth 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 InvestmentsServices & 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--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 Supporters2016 Charity Challenge Supporters2017 Charity Challenge SupportersBriefly From Bill - 2012 Charity ChallengeCharity 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 OverviewHowalt McDowellHowaltMcDowell Insurance HistoryHowaltMcDowellCorporateGivingPeopleAbbey VanderwerfAdam CooperAllen SchlenkerAngela WheelerAppleton PeopleBern HockenBill JeatranBill TownsendBjorn HondaBob BauerBob PronoldBob St ArnoldBrad RehfeldtBrenda GluecksteinBruce MortonCasey NepperCassandra RudyChristy WestermanCorie CurtisDan HansonDave HosackDavid RumseyDawn ArayaDawn KunzmannDeb LindquistDonn ScrogginsDoug ImholteDrew ReavesDuluth PeopleEau Claire PeopleGeorge StruveGlenn CarlsonGreg HaffelyGreg SandvigHayward-Spooner PeopleHerman FasbenderHoward BooteJack MillerJarrod MullerJeff ScherschligtJeff SkougJesse BewerJessica DaRoncoJill LowderJill O'BrienJim EricksonJim JohnsonJohn MaresJohn McDonoughJohn SiffertJon TerryJosh GassenJustin OvermanJustin UhrichKathy HartsockKim AdeyLaci DahlLaura MooreLeRoy TaggartLindsey HansonLisa VildbergLorne TschanzMary Pat AanensonMary SetterMelinda GibasMichael BarryMike MusicMilwaukee PeopleMinneapolis PeoplePatrick CollentinePaul Seifert JrPeople OverviewPK KrihaReesa BakerRich NiestromRochelle SweetmanRyan BeduhnRyan WatkinsScott ChapinScott NazeShalin JohnsonSioux Falls PeopleStephanie VerHeySteve VlkTara ArndtTerry LivelyTim FlemingTim GallagherTodd EllingsonTom GallagherTom NepperTony ProsperoTracy Dahl-WebbTracy EichmannWilliam SchaafPREVENTPREVENT Process OverviewReducing Workers' Compensation Losses Case Study - RRTSteps of the PREVENT Process