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It's time to raise your expectations.

We put your future in focus by visualizing your data, identifying trends, and giving you actionable insight.

Get a Glimpse into the Future

Your data tells the story of your business. As MJ’s proprietary analytics tool, APERTURE can help bring your data into focus so you can understand the past—and forecast what’s to come.

Learn more

WHAT WE DO

Risk Management

Optimizing your risk management strategy is a crucial part of achieving your business goals. Our team can get you there.

MJ BENEFITS+

Our Benefits+ programs are designed to go beyond standard solutions, providing a comprehensive and fully customized approach to employee benefits consulting that prioritizes the health, happiness, and success of your employees. 

PERSONAL INSURANCE

Personal insurance can be in impersonal business, but not at MJ. We work hard to help you plan for the future and protect what matters most.

Why MJ

Driven by passion.

Inspired through leadership.

Fueled by curiosity.

Pushed by determination.

Empowered by innovation.

Focused on fun.

NAVIGATING THE FINAL RULE: UNDERSTANDING NQTL REQUIREMENTS AND MENTAL HEALTH PARITY

Wednesday, November 20, 2024

This past September, the Departments of Labor (DOL), Treasury, and Health and Human Services released the final rule for the Mental Health Parity and Addiction Equity Act (MHPAEA). As these agencies increase compliance audits, self-insured plan sponsors, along with their third-party service providers, face challenges in developing their plans’ NQTL analyses.

The new regulations require self-funded plans to collect specific data and conduct a thorough evaluation to assess the impact of NQTLs on mental health benefits compared to medical benefits under the plan.

Join this reFRAME webinar for a refresher on the Mental Health Parity Comparative Analysis and NTQL Requirements as well as what organizations should expect from the recently released final regulations. Speakers will also provide potential resources that may be able to assist your organization in complying with the upcoming requirements.

Register here

HIPAA Privacy Changes: What It Means for Reproductive Health

Wednesday, December 4, 2024

Deemed necessary by the Department of Health and Human Services (HHS) following the U.S. Supreme Court’s decision in Dobbs v. Jackson Women’s Health Organization and its aftermath of state-level abortion laws, HHS issued a HIPAA Privacy Rule to Support Reproductive Health Care Privacy (the “2024 Privacy Rule”). The 2024 Privacy Rule amends the HIPAA privacy rule to afford greater protection to protected health information (PHI) that is related to reproductive health care, with the goal of maintaining the necessary trust between patient and healthcare provider. Compliance with the 2024 Privacy Rule is required by December 22, 2024.

Join this reFRAME webinar as we give a primer on HIPAA compliance for plan sponsors, discuss the recent regulatory changes and what must be done to comply, and demo an easy and affordable HIPAA Compliance solution.

This webinar will be facilitated by The MJ Companies’ Vice President, Legal + Compliance, Bryan Gross and Benefit Comply’s Compliance Consultant, Delaney George. This reFRAME webinar is free for all MJ clients, partners, and friends. Register today!

Register here

December Compliance Webinar: End of the Year Benefits Wrap-Up

Thursday, December 12, 2024

As 2024 is coming to an end, we’d like to highlight some of the important employee benefits compliance issues and changes that have taken place during the year and then look forward to developments expected in 2025 that may impact your benefit plans.

register here

What’s On Our Minds

Risk Management
PUBLISHED November 19th, 2024

Navigating Cybersecurity Challenges in the Construction Industry

The MJ Companies

The construction industry is continuously moving toward digitization, adopting advanced technology such as artificial intelligence, the Internet of Things (IoT) and Building Information Modeling …

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Benefits+
PUBLISHED November 18th, 2024

Employee Benefit Plan Deadline Relief Issued Due to Recent Natural Disasters

DeAnn Deck

On Nov. 8, 2024, federal agencies issued deadline relief to ensure that employee benefit plans, participants, beneficiaries, qualified beneficiaries and claimants in disaster areas …

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Risk Management
PUBLISHED November 12th, 2024

Additional Coverages and Extensions Under the Business Income and Extra Expense Form

The MJ Companies

When organizations encounter unexpected disasters, avoiding operational disruptions or temporary shutdowns may be challenging, and even brief closures can carry costly consequences. That’s where …

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Leave and Absence Management
PUBLISHED November 5th, 2024

Tale of Two Employers: Early Learnings from the Launch of Colorado’s Paid Leave Insurance Program

Courtney Hutchison

Colorado is a leader in family-supporting policies and one of 13 states with paid family and medical leave laws. As such, we are trailblazers …

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Benefits+
PUBLISHED November 5th, 2024

IRS Announces 2025 Retirement Plan Limits

DeAnn Deck

The IRS has released Notice 2024-80, containing cost-of-living adjustments for 2025 that affect amounts employees can contribute to 401(k) plans and individual retirement accounts …

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Risk Management
PUBLISHED October 29th, 2024

The Rise of Nuclear Verdicts: A Case Study

The MJ Companies

What Is a Nuclear Verdict? Nuclear verdicts refer to exceptionally high jury awards—generally, those exceeding $10 million. Such verdicts have become increasingly common in …

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Benefits+
PUBLISHED October 23rd, 2024

IRS Releases Health FSA Limit for 2025

DeAnn Deck

On Oct. 22, 2024, the IRS released Revenue Procedure 2024-40 (Rev. Proc. 24-40), which includes the inflation-adjusted limit for 2025 on employee salary reduction …

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Risk Management
PUBLISHED October 22nd, 2024

Data, Data, and More Data Privacy Requirements:

Carol Scully

In today’s rapidly advancing digital landscape, technology and artificial intelligence (AI) are transforming the way businesses operate. But with these advancements come new challenges—especially …

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Benefits+
PUBLISHED October 21st, 2024

IRS Expands List of Preventive Care Benefits for HDHPs

Ann Poland

The IRS has expanded the list of preventive care benefits permitted to be provided by an HDHP without a deductible. If you administer a …

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Contact

Indianapolis

Location

571 Monon Blvd.
Suite 400
Carmel, IN 46032

Telephone: (317) 805-7500
Fax: (317) 805-7515

Phoenix

Location

3900 E. Camelback Rd.
Suite 225
Phoenix, AZ 85018

Telephone: (602) 772-3300
Fax: (602) 772-3349

Denver

Location

201 Columbine St.,
Suite 300
Denver, CO 80206

Telephone: (720) 354-3861
Fax: (317) 805-7515