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Despite a Stressful Liability Allegation, Company Keeps Focus
…company needed to take weren’t just complicated – they were almost overwhelming. IMPACT: Rather than worrying about potential exposures from a multi-million dollar allegation of liability, this family-owned company is…
RISK INSIGHT: Savings with M3 Mod Verification Process 2010-2015
…regular comparisons, benchmarking your plan data to ensure you are receiving the most competitive pricing. It’s another way we give you the ‘freedom to move your business forward’. For more…
Controlling Premium Audits to Eliminate Overcharges
…Helping you successfully prepare for a premium audit is one way that we illustrate that commitment. Our Senior Living & Social Services team is dedicated to preparing and partnering with…
Closing Claims Affects Bottom LineβBig Time
…worry about was the complexities of workers’ comp reserves, or the refiling of unit stat cards, or experience modification factors. That’s what M3 is here for. IMPACT: M3 proactively searched…
Cash In Lieu – Cash to Waive Health Coverage?
Considering a Cash In Lieu Program? Today’s employers are more challenged than ever in finding strategic ways to attract and retain talented employees to staff public services. They’re faced with…
A Turkey For Which Nobody Was Thankful
…for the damages—damages that were technically outside of the policy language. M3 is proud to partner with great insurance companies that consistently come through for clients in times of need. …
RISK INSIGHT: The Insurance Impact of the βWhite Collarβ Rule
…exempt employees is $23,660 per year and the minimum salary for the highly compensated employees is $100,000 per year. Final rule (effective December 1, 2016): The minimum salary level for…
M3 Releases 2016 Health Benefits Trend Report
…to being experts in both the products we represent and the industries we serve. Our people advance M3’s competitive advantage in the marketplace, and our focus on community builds better…
Successful Succession
…and reworking. Simple requires elbow grease. Often, things that appear effortless require the most effort. One person getting out of the way, while another is simultaneously stepping in— that’s hard…
Five Reasons for Worksite Benefits
…as a way to fund their long-term care needs. 5. Create more satisfied employees Research shows that employees who are offered voluntary benefits report greater satisfaction with their overall benefits…
M3 Releases Wellness Trend Report
…level of participation of any wellness component, with participation rates ranging from 76-100%. Tying employee incentives to results, known as health-contingent programs, are on the rise. This way of incentivizing…
Worksite Benefits: Open Enrollment or Off-Cycle?
…way, through the course of an enrollment and benefits education process employees can also be taught how to use the new system, far reducing the number of “I don’t know…